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Freedom Money Market

The freedom to save your money your way.

Freedom Money Market Accounts

The CRCU Freedom Money Market account is like a checking account and savings account in one, pairing superior earning power with flexible access to your savings when you need it.

What to know

  • Minimum $500 balance to open
  • Interest is compounded daily and paid monthly
  • Interest rate subject to change monthly
  • Debit card transactions and bill pay service are not allowed
  • May not be used as collateral for a loan
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Why itā€™s great


  • Competitive yields tiered to reward you for saving more
  • No minimum withdrawal amount
  • Free checks
  • Federally insured up to $250,000 by NCUA
Freedom Money Market** Interest Rate APY*
$0-$999.99
 0.50% 0.50%
$1,000 - $4,999.99
 1.00%
 1.00%
$5,000 - $14,999.99
 1.00%
 1.00%
$15,000 - $24,999.99
 1.00%
 1.00%
$25,000 - $49,999.99
 1.29%
 1.30%
$50,000 - $99,999.99
 1.58%
 1.60%
$100,000 - $249,999.99
 1.98%
 2.00%
$250,000 & Over
 2.22%
 2.25%Ā 

*APY=Annual Percentage Yield. Terms & conditions subject to change. Minimum to open account is $500.Interest calculated on the average daily balance, compounded and paid monthly. Interest rate subject to change. Transaction limitations apply, ask for details. Rates accurate as of 10/01/26. CRCU membership required. Contact us for details.Ā 






How to get yours

Open a Freedom Money Market by visiting CRCU branch near you or online.Ā 


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Become a CRCU Member

Join our happy family today! Applying for membership couldnā€™t be easier.
Ā 
  • A wide field of membershipĀ 
  • Easy online applicationĀ 
  • Access to exclusive benefits and discountsĀ 

















Frequently Asked Questions

What is the current interest rate?

See our current rates.

How much do you need to open this account?

A $500 minimum deposit is required to open a Freedom Money Market account.

Is there a minimum balance to earn interest or avoid fees?

There is no minimum balance required to earn interest, but you must keep an average daily balance of $500 to avoid a monthly service fee.

Is there a penalty for taking funds out of the account?

Not if you stay within Regulation D limits of six transfers and/or withdrawals per month. Otherwise a fee applies.

May I have a debit card?

No, debit cards are not allowed on this account type.

May I order checks?

Yes. If you clear fewer than three checks per month your next order of checks is free. Otherwise, a fee will apply.

What is the monthly service fee if the average daily balance is less than $500?

The monthly service fee is $10 per month if you do not maintain your average daily balance of $500.