skip to main content
money market special
For a limited time, open a Money Market Special account and enjoy up to 4.00% APY¹ for the first six months.
make the most of every dollar you save
with our Money Market Special — earning up to 4.00% APY1
In a time when every dollar matters, we’ve got U covered with our new Money Market Special.
Money Market Special
earn up to
4.00% APY1
on balances up to $100,000 for the first six months.
It really is that simple. No transaction requirements—just fund your new account with at least $15,000 and enjoy up to 4.00% APY¹ for six months.
A Money Market Special account may be best if you:
- Have at least $15,000 available in savings
- Want to earn more than a traditional savings account
- Need access to your money without certificate withdrawal penalties
- Do not already have a money market account at United
- Want to keep emergency funds accessible while earning more
Money Market Special |
||
|---|---|---|
| Effective Date: October 01, 2026 | ||
| Amount | Dividend Rate | APY1 |
| $0 - $100,000.00 | 3.928% | 4.00% |
| $100,000.01 + | 0.896% | 0.90% |
| [1] APY = Annual Percentage Yield. APY is accurate as of 10/1/2026 and is subject to change without notice. The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 10/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened. | ||
After six months, your account automatically converts to our standard Elevate Money Market product, where you'll continue to enjoy the benefits of:
- Easy & Liquid Access - your money is liquid and is accessible via checks, in-branch, Digital Banking, and over the phone.
- Peace of Mind - all deposits here at United are federally insured up to $250,000.
- Earning Potential - money market accounts typically earn higher dividends than standard share savings—calculated daily and paid monthly to help your balance grow faster.
Elevate Money Market |
|||
|---|---|---|---|
| Effective Date: October 01, 2026 | |||
| Minimum Amount | Dividend Rate | APY1 | APY with Bonus Rate2 |
| $0 | 0.000% | 0.00% | 0.00% |
| $1,000 | 0.499% | 0.50% | 3.00% |
| $100,000 | 0.747% | 0.75% | 3.25% |
| $250,000 | 0.995% | 1.00% | 3.50% |
| [1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. [2] Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. | |||
frequently asked questions
A money market account is a type of savings account that typically earns higher dividends than a traditional savings account while still providing convenient access to your funds. It's designed for members who want to grow their savings while maintaining flexibility for future needs, emergencies, or planned expenses. Unlike a certificate, a money market account does not require you to lock in your funds for a fixed term, allowing you to access your money when you need it.
Both money market accounts and savings accounts are designed to help you save and earn dividends on your deposits. The primary difference is that money market accounts typically offer higher dividend rates, especially for larger balances, while still providing convenient access to your funds. Savings accounts are often used for everyday saving goals and may have lower minimum balance requirements.
First and foremost, as for what's best, that depends on your individual financial goals and needs.
That said, our Money Market Special offers a highly competitive introductory rate of up to 4.00% APY¹ for the first six months, while still providing convenient access to your money. After the introductory period ends, your account automatically transitions to an Elevate Money Market account, allowing you to continue earning competitive dividends.
Compared to a share certificate, which typically requires you to keep your money on deposit for a fixed term to avoid penalties, our Money Market Special account gives you the flexibility to access your funds when needed. It likely also offers a higher return than many traditional savings accounts, helping your money work harder while maintaining convenient access to your savings.
savings calculators
Whether you're building an emergency fund, saving for a major purchase, or planning for long-term goals, our savings calculators make it easy to estimate your progress and create a savings strategy that works for you.
related savings articles
11+ Checking Account Questions, Answered
Learn how to manage your checking account and better understand what your balance means.
Starting a New Job? Here’s How to Set Up Direct Deposit
Learn how direct deposit works, how to set it up, and why it's a secure and convenient way to receive your paycheck.
How to Choose the Right Checking Account
We're comparing United's Free Checking, Ultra Checking, and SafeSpend accounts to help you understand how each works and choose the option that best fits your banking needs.
6 Benefits of Joining a Credit Union
As more people are learning the difference between a bank and a credit union, here are top reasons why many are making the switch.
[1] APY is accurate as of 10/1/2026 and is subject to change without notice. The rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 10/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Balances exceeding $100,000 will earn 0.90% APY. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.