Democracy FCU's Business Plan to the COVID-19 Crisis.

Money Management Savings

Enjoy the benefits of checking plus high dividends. Earn high rates without the risk of uninsured Money Market Mutual Fund Investments. Plus, write up to six checks a month.

Money Management Account Details

So Many Great Features in One Account!

The Money Management Account is the perfect mix of high dividends, flexibility, and safety.

  • $1,000 minimum investment to earn dividends
  • Maximum of 6 withdrawals per month; three checks can be written to a third party
  • Minimum withdrawal of $200
  • Automatic transfer of funds to checking to cover overdrafts
  • Account is insured up to $250,000 by NCUA, backed by the U.S. Government
  • Excess Share Insurance provides an additional $250,000 in coverage
  • Access funds 24/7 through online banking, mobile banking, phone banking and more

Questions about the Money Management Account?

Give us a call or visit a branch. We’d love to talk with you!

Money Management Account Rates

Table data for Money Management Account
 Rates effective 04-04-2020
Balance to Earn APY Dividend Rate APY1 Minimum Deposit Minimum Add'l Deposit Minimum Balance Alert Me
Less than $1,000 0.00% 0.00% None None None
$1,000 to $10,000 0.30% 0.30% None None $1,000.00
Over $10,000 to $25,000 0.35% 0.35% None None $10,000.01
Over $25,000 to $50,000 0.40% 0.40% None None $25,000.01
Over $50,000 to $100,000 0.45% 0.45% None None $50,000.01
Over $100,000 0.50% 0.50% None None $100,000.00
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts.
  • 1APY = Annual Percentage Yield

Estimate Your Money Management Earnings