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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.
open an account calculate your savings
Already a United Member? Save time by opening your account through Digital Banking, where your personal information is automatically pre-filled.
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.
open an account schedule an appointment
Already a United Member? Save time by opening your account through Digital Banking, where your personal information is automatically pre-filled.
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.
Nope! Apart from funding the account within a minimum opening balance of $15,000, there are no other monthly or transactional requirements to earn the introductory dividend rate.
To open a Money Market Special account, you'll need a minimum opening deposit of $15,000. The funds can come from an existing United account or be transferred from another financial institution.
Our Money Market Special account is available to all United members who do not currently have a Money Market account with United or have not had one within the past 12 months.
Yes. Your funds remain accessible, giving you the flexibility to make withdrawals or transfers when needed. Unlike a certificate account, a Money Market Special account does not lock your money in for a fixed term, allowing you to earn a competitive rate while maintaining access to your savings.
After the 6-month introductory period, your account will automatically convert to an Elevate Money Market account and earn the applicable dividend rate(s) in effect at that time. No action is required on your part, and you'll continue to enjoy convenient access to your funds and all the benefits of a Money Market account.
This is another one that largely depends on your individual financial goals and needs.
A Money Market Special account combines a competitive dividend rate with the flexibility to access your funds when needed. A share certificate, on the other hand, typically offers a fixed dividend rate, which may be higher, in exchange for keeping your money on deposit for a set term. If easy access to your savings is important, a Money Market Special account may be the better choice. If you're comfortable locking in your funds for a period of time to potentially earn a higher return, a share certificate may be worth considering.
Existing Members:
If you’re already a United member, the easiest way to open your account is through Digital Banking. You can also open an account by phone at (888) 982-1400 or by visiting any United branch.
Not a Current Member:
As long as you meet United’s membership eligibility requirements, you can still open an account online using our online application, or visit any United branch to get started.
Membership at United Federal Credit Union is available to individuals, families, and employees who meet eligibility requirements. United partners with more than 900 employers and serves communities throughout Arkansas, Indiana, Michigan, Nevada, North Carolina, Ohio, and Pennsylvania. Prospective Members can visit a branch or explore membership options online to determine eligibility.
Ready to get started? Schedule an appointment in branch or phone call, or open an account today.
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[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.