More from your money market. Less asked of you.
All the tiered interest and check-writing — no minimum deposit, monthly fees,1 or bundled account nonsense.
Earn more. Stay liquid. That’s the whole idea.
Whether you’re building a cash reserve, saving for something big, or parking money between investments, Max Money Market earns competitive tiered interest up to 3.90%2 while keeping your funds within reach.
Earn more interest
The higher your balance, the higher your rate. Tiered interest accrued daily and paid monthly.
Access anytime
Online, in the app,3 or at any LMCU branch. Whichever works best for you, your money is there.
No minimums, no fees
No minimum deposit. No monthly fees. No hoops, no hassle, no kidding.
The math is straightforward. More in your account means more earned. See the current tiers.
If you're looking for a credit union money market account, Max Money Market earns tiered interest on its own — no bundles, no monthly fees, no hoops — plus check-writing access.
| Account | Dividend Rate (Interest) | APY |
|---|---|---|
| Max Money Market — $2,500 - $9,999.99 | 1.00% | 1.00% |
| Max Money Market — $10,000 - $24,999.99 | 1.00% | 1.00% |
| Max Money Market — $25,000 - $49,999.99 | 1.98% | 2.00% |
| Max Money Market — $50,000 - $99,999.99 | 1.98% | 2.00% |
| Max Money Market — $100,000 - $249,999.99 | 2.86% | 2.90% |
| Max Money Market — $250,000 - $999,999.99 | 3.11% | 3.15% |
| Max Money Market — $0 - $2,500 | 1.00% | 1.00% |
| Max Money Market — $1,000,000 + | 3.83% | 3.90% |
Max Money Market at a glance
Max Money Market is built for members who want their savings earning a competitive rate while staying accessible. No minimum deposit. No monthly fees. Check-writing ability. Interest accrued daily and paid monthly. Federally insured by the NCUA. Fees may reduce earnings.
FAQs
A credit union money market account is a type of savings account that earns higher interest than a standard savings account while keeping your funds accessible. Unlike a CD, there is no fixed term and no penalty for withdrawals. LMCU’s Max Money Market adds check-writing ability on top of all that.
Max Money Market earns tiered interest on your balance, with higher balances earning higher rates. There are no monthly maintenance fees, no minimum deposit required, and no penalty for withdrawals. You also get check-writing ability, online and mobile banking access, and interest accrued daily and paid monthly.
Max Money Market is a smart fit for members who want savings earning a competitive rate without locking funds away. Whether you’re building an emergency fund, saving for a large purchase, managing a business money market account need, or looking for a place to park cash between investments, this account keeps your money accessible and working.
Max Money Market uses a tiered interest rate structure. The higher your balance, the higher your rate. Interest is computed daily and paid monthly. Rates vary and are based on local money market conditions, so they may change after account opening.
Yes. LMCU provides Max Money Market checks for members — making this a true money market account with check-writing access. Stop into any branch for more information.
If your account is active in a given month, you’ll receive a monthly statement listing all deposits, withdrawals, and transfers. If there is no activity during a quarter, a quarterly statement is generated. If no activity occurs all year, you’ll receive one annual statement.
A CD requires your funds to stay for a set term and may include an early withdrawal penalty. Max Money Market keeps your funds accessible at any time with no penalty for withdrawals — making it a better fit when you want to earn interest without giving up access.
Both accounts earn tiered interest with no minimum deposit and no monthly fees. The key differences: Max Money Market pays interest monthly and includes check-writing access. Max Savings pays interest quarterly and does not include check writing. If monthly earnings and fund access matter to you, Max Money Market is the stronger choice.
LMCU Max Money Market consistently offers competitive tiered rates for Michigan members. Rates vary based on local money market conditions, so check the current APY before opening. With no minimum deposit and no monthly fees, Max Money Market is one of the most accessible options available.
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Disclosures
Overdraft/returned item fees may apply.
All variable rates listed are as of 9/10/2026 and subject to change after account opening.
Third party internet/mobile/data fees may apply.
All featured LMCU members were compensated for their time.
