Grow Financial Federal Credit Union

Money Market
& Certificate Accounts

Higher Balances Deserve
Higher Rates

We know how hard saving can be, so we think that your effort should earn you a higher dividend rate. That’s why our Money Market, Certificate and IRA Certificate Accounts1 come with the most competitive dividends we offer. So, the more you save, the more you earn, and the faster your money grows.

It All Starts Here

The first step is opening a Basic Savings Account, instantly making you a Grow member. From there, you have complete access to all the benefits of membership in a credit union, including opening other high-dividend savings accounts best suited to your financial goals.

Choose The Right Account For You

Money Market Account

A Money Market Account is great for stashing money you may need down the road. If you’re wondering, “what is a Money Market Account?” a Money Market Account pays dividends on your deposit account based on current interest rates in the money markets. And the best part? There’s no minimum balance required to open this account.

Certificate Account

If you have any amount over $500 that doesn’t fit under your mattress anymore, you can open a Certificate Account.2 You choose how long, from six months to five years, and your money grows steadily as dividends compound throughout the term.


IRA Certificate Account

Whether your retirement is far down the road or right around the corner, our IRA Certificate Account offers our most attractive rates. With balances of $500 or more, you get the best of everything — the security of a Certificate Account plus potential tax advantages that could really make your savings grow faster.


Money Market AccountDividend RateAnnual Percentage Yield (APY)
Balance less than $25,000 1.10% 1.11%3
Balance of $25,000 to $49,999.991.55%1.56%3
Balance of $50,000 to $99,999.991.75%1.76%3
Balance of $100,000 to $249,999.991.95%1.97%3
Balance of $250,000 to $499,999.992.15%2.17%3
Balance of $500,000 and more2.35%2.38%3
Certificate AccountDividend Rate $500 - $99,999.99Annual Percentage Yield (APY) $500 - $99,999.99Dividend Rate $100,000+Annual Percentage Yield (APY) $100,000+
6 - 11 months4.00%4.07%44.10%4.18%4
12 - 17 months4.90%5.01%45.00%5.12%4
18 - 23 months4.50%4.59%44.60%4.70%4
24 - 29 months4.50%4.59%44.60%4.70%4
30 - 35 months3.85%3.92%43.95%4.02%4
36 - 47 months3.95%4.02%44.05%4.13%4
48 - 59 months3.95%4.02%44.05%4.13%4
60 months4.00%4.07%44.10%4.18%4

Get the Most Out of Your Savings

Our dedicated Grow team members have crafted this guide to help you understand and maximize your savings options.

See All Blogs
May 18, 2022

Risk Management: Five Things To Do for Your Retirement Savings Plan

If you’re investing in your retirement plan, we think you’re off to a great start when it comes to a happy retirement.

Learn More
January 9, 2020

Exploring One of Grow’s Most Popular Savings Options

Among numerous options to grow your savings, Certificate Accounts1 stand out as reliable, safe investments with solid returns.

Learn More
September 9, 2021

Open a Money Market Account for Better Rates and Access to Your Money

If you’re looking to earn one of our most competitive rates but still be able to get your hands on your money when you need it, opening a Money Market Account is the perfect solution.

Learn More

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Accounts are subject to approval.

1A penalty will be imposed for early withdrawals.

2Certain restrictions apply. Not all taxpayers are eligible. Consult your tax advisor.

3The APYs are accurate as of 01/01/2024 and may change without notice after the account is opened. This is a tiered account. Variable Rate Account. Fees could reduce earnings.

4The APYs are accurate as of 11/01/2023 and may change without notice. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawals. If the account is opened with $100,000 or more, you must maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY. If the account is opened with less than $100,000, you must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. If your account falls below the minimum balance requirements, your account will be closed. Certain restrictions apply on IRAs. Not all taxpayers are eligible. Consult your tax advisor. View additional certificate account disclosures.