OneAZ Credit Union

Reach your savings goals faster and access your money when you need it with a OneAZ Money Market account1.

Open your money market account over the phone or at a branch near you.

What is a Money Market Account?

A money market account is like a regular savings account but typically comes with a higher rate of return. Money market accounts often require a higher minimum opening deposit. So if you’re just starting out with building your savings, you may want to start with a high-yield savings account. But if you’ve already established savings, a money market account can help you earn higher returns – that's the difference between high-yield savings vs money market accounts.

OneAZ Money Market Accounts

Star High Yield icon

Star High Yield Money Market2

Earn a high return on balances of $75,000 or more.

SaversAdvantage icon

SaversAdvantage Money Market3

Gain competitive returns on balances of $25,000 or more.

Tiered icon

Tiered Money Market4

Get a great rate on balances of $1,000 or more.

Benefits of a Money Market Account:

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Convenient access

Access your money when you need it.

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High dividends

Gain competitive returns on your balances.

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Insured by NCUA

Your deposits are insured up to $250,000.

Today’s Rates

Check out all of our current rates!

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Frequently Asked Questions about Money Market Accounts

A money market account is savings account that often requires a higher minimum opening deposit but earns a higher rate of return.

You can withdraw from your money market account at any time.

The minimum amount needed to open a money market account is $1,000.

While both types of savings accounts offer higher interest rates, there are differences in your access to your savings. With a money market account, you are not locked into a term and can access your money at any time. With a Share Certificate, you lock in your rate for a set amount of time and would need to pay a fee to access your money before the term is up.

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Let’s Learn Together.

Savings Resources

To learn more about getting the most out of your savings account, check out our Financial Resources Guide. Here you’ll find articles that will help you learn to maximize your savings, determine when to open a money market account, and strategize your savings for every stage in your life.

View More

Maximize Your Savings

Here's what to look for in a savings account and the differences between regular savings accounts, money market accounts and share certificates.

Keep Reading

How to Save for Your First Home

Saving for your first home starts with getting pre-qualified for a mortgage. Then you can set your savings goal and timeline, create a budget and automate your savings. Let’s dive in.

Keep Reading

Savings Goals at Every Age

How much should you be saving at every age? Whether you’re 20 or 60 years old, savings should always be at the forefront of a good financial plan.

Keep Reading

Why Choose OneAZ?

At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

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Rates as of December 1, 2024.

1Money Market Account Disclosure: Money market accounts are a tiered variable rate and subject to change at any time. The minimum balance required to open this account is $1,000. In order to earn disclosed APY, you must maintain a balance that is at least equal to $0.01 in your account each day. In order to avoid the monthly maintenance fee (see Fee Schedule), your account balance must be at least equal to $1,000 on the last calendar day of the month. Fees could reduce earnings.
1Star High Yield Money Market Disclosure: APY=Annual Percentage Yield. This account is subject to a Tiered Variable Rate; for the current dividend rate and corresponding APY, refer to the Fee Schedule for more information. Rates are subject to change at any time. $1,000 minimum balance to open account and you must maintain a balance that is at least equal to $0.01 in your account each day in order to earn the disclosed APY. The balance in your account as of the last calendar day of the month must be at least equal to $1,000 to avoid a fee. Fees could reduce earnings on the account. Refer to Consumer Membership Account Agreement Disclosure for additional terms and conditions.
1SaversAdvantage Money Market Account Disclosure: APY=Annual Percentage Yield. This account is subject to a Tiered Variable Rate; for the current dividend rate and corresponding APY, refer to the Fee Schedule for more information. Rates are subject to change at any time. $1,000 minimum balance to open account and you must maintain a balance that is at least equal to $0.01 in your account each day in order to earn the disclosed APY. The balance in your account as of the last calendar day of the month must be at least equal to $1,000 to avoid a fee. Fees could reduce earnings on the account. Refer to Consumer Membership Account Agreement Disclosure for additional terms and conditions.
1Tiered Money Market Savings Account Disclosure: APY=Annual Percentage Yield. This account is subject to a Tiered Variable Rate; for the current dividend rate and corresponding APY, refer to the Fee Schedule for more information. Rates are subject to change at any time. $1,000 minimum balance to open account and you must maintain a balance that is at least equal to $1,000 in your account each day in order to earn the disclosed APY. The balance in your account as of the last calendar day of the month must be at least equal to $1,000 to avoid a fee. Fees could reduce earnings on the account. Refer to Consumer Membership Account Agreement Disclosure for additional terms and conditions.
OneAZ's mission

We exist to truly improve the lives of our members, our associates and the communities we serve.

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