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Illustration of dollar signs
Illustration of dollar signs
Illustration of dollar signs

President's Premium Money Market

0.15-1.01% APY*

Open account

View rates and terms

Your save-and-spend account.

Earn competitive dividends on money you can withdraw at any time, with up to six checks or remote transfers monthly.

STCU money market accounts include:

  • Unlimited deposits or withdrawals in person.1
  • Free checks if 55+ with direct deposit.
  • Higher rates for higher balances.
  • Dividends compounded monthly.

No hidden fees.

No minimum to open. No monthly fees.

Grow your savings.

Grow savings faster by adding new deposits at any time.

24-hour access.

Free online and mobile access.

Federally insured.

Federally insured up to $250,000.


*APY = annual percentage yield. APY is accurate as of the last dividend declaration date. No minimum balance required to earn the APY. Rate is variable and may change after account is opened. STCU membership is required to open account and fees may reduce earnings.

President's Premium Money Market Account balances from $0 to $24,999 earn 0.15% APY; from $25,000 to $99,999, 0.50% APY; $100,000 to $249,999, 0.85% APY; and $250,000 or more, 1.01% APY.  All money market rates

1Federal regulations allow you up to six checks or transactions from your money market account each month, but deposits and withdrawals are unlimited when you do it in person at a branch location, at the Night Drop, or through the mail. In addition, when your balance reaches a higher tier, we automatically hike your dividend rate. Yay! See balance tiers.