Delta Community Credit Union Money Market Account

Delta Community Credit Union Money Market Account

Delta Community Credit Union has numerous types of accounts for members. You can choose between business and individual accounts. One account type is a Money Market Account which has two types savings and business. You can join the community and enroll in affordable banking today.

What is a Money Market Accont?

A Money Market Account (MMA) is a type of savings account that offers a higher return rate compared to regular savings accounts. This means your money grows faster over time. MMAs are offered by banks and credit unions, like Delta Community Credit Union, to help you earn more from your savings.

With a Money Market Account, you can deposit money and let it earn revenue. The rate is usually higher because the bank or credit union uses the money you deposit to invest in low-risk financial products. As a result, they offer you a better return.

One of the benefits of an MMA is that you can withdraw your money at any time, just like with a savings account. However, there might be limits on how many withdrawals or transfers you can make each month, depending on the institution.

In simple terms, a Money Market Account is a great option if you want to earn more from your savings while still having easy access to your money. It’s a good choice if you’re looking for a safe place to grow your money with flexibility.

Types of Delta Community Credit Union Money Market Account

Delta Community Credit Union offers two types of Money Market Accounts:

  • Business Money Market Account: This account is for businesses. It helps businesses grow their savings while allowing easy access to the money whenever needed.
  • Personal Money Market Account: This account is for individuals. It allows people to save their money and use it when they need it, with a higher return compared to a regular savings account.

Both types give you the flexibility to add or take out money, making them a good choice for saving.

Business Money Market Account

Let’s have a look at the return rates, fees, and benefits of a Business Money Market Accont.

Rates for 2025

Tier RateRateAPY
$0.01 – $24,999.990.75%0.75%
$25,000.00 – $99,999.991.24%1.25%
$100,000.00 – $499,999.991.74%1.75%
$500,000.00 – $999,999.991.98%2.00%
$1,000,000.00 – and up2.13%2.15%

Benefits

  • Flexible Access to Funds: Businesses can easily deposit and withdraw funds, offering flexibility in managing cash flow while earning a higher return on the balance.
  • Low Minimum Deposit Requirements: With a low minimum deposit requirement, businesses of various sizes can open and maintain the account, ensuring it is accessible to both small and large businesses.
  • Tiered Interest Rates: Delta Community Credit Union offers tiered rates based on the account balance, allowing businesses to earn higher rates as their balances grow.
  • Low Fees: The Business Money Market Account comes with relatively low fees, making it an affordable option for businesses looking to grow their savings without excessive costs eating into their returns.

Personal Money Market Account

Rates for 2025

Tier RateRateAPY
$1,000.00 – $9,999.990.30%0.30%
$10,000.00 – $24,999.990.35%0.35%
$25,000.00 – $49,999.990.40%0.40%
$50,000.00 – $99,999.990.60%0.60%
$100,000.00 – $249,999.990.75%0.75%
$250,000.00 – $499,999.990.85%0.85%
$500,000.00 – $999,999.991.24%1.25%
$1,000,000.00 – and above1.98%2.00%

Benefits

  • Free ATM Card: With the Personal Money Market Account, you’ll receive a free ATM card, allowing you to conveniently access your funds at ATMs anytime. This benefit provides easy access to your money without additional fees, enhancing the flexibility of your savings.
  • Competitive Dividend Rates: The Personal Money Market Account offers competitive dividend rates, meaning you can earn more from your savings compared to traditional savings accounts. These rates are designed to help your money grow faster, making it a smart choice for individuals looking to maximize their savings potential.
  • Convenient Account Access: Delta Community Credit Union provides easy access to your money through various channels, including in-person, ATMs, and online banking. This level of accessibility ensures that you can manage your funds anytime, whether you’re at home or on the go.
  • Freedom to Manage Online: With online banking, managing your Personal Money Market Account has never been easier. You can check balances, make transfers, and track your earnings from the comfort of your home or office, putting control in your hands whenever you need it.
  • No Early Withdrawal Penalty: Unlike many other investment accounts, the Personal Money Market Account offers the benefit of no early withdrawal penalty. This means you can access your funds whenever you need them, without worrying about losing or facing any fees for withdrawing before a certain time.

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