Earn while you save with a Money Market.
With a Money Market account from Ascend, you get a higher interest rate and easy access to your money. It's a great way to save for big goals and the perfect place to park your emergency fund.
Ascend money market accounts are tiered to earn a higher Annual Percentage Yield (APY) when your balance reaches certain amounts.
Make up to six free withdrawals per month. Additional withdrawals are only $10 per transaction.
Over the past 20 years, we’ve given our members more than $116.5 million in interest refunds and bonus dividends.
| Balance | Dividend Rate | APY |
|---|---|---|
| Under $2,500 | 0.20% | 0.20% |
| $2,500 - $9,999.99 | 0.70% | 0.70% |
| $10,000 - $99,999.99 | 1.30% | 1.31% |
| $100,000 - $249,999.99 | 1.35% | 1.36% |
| $250,000 - $499,999.99 | 1.35% | 1.36% |
| $500,000 - $999,999.99 | 1.35% | 1.36% |
| $1,000,000 - $2,499,999.99 | 1.35% | 1.36% |
| $2,500,000 - $4,999,999.99 | 1.35% | 1.36% |
| $5,000,000 AND OVER | 4.00% | 4.07% |
Rates effective October 1, 2025.
Legal Disclosures and Additional Information
Money market accounts are variable rate accounts and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of October 1, 2025. The minimum opening deposit is $2,500. These accounts are limited to six withdrawals per month, then a $10 service fee is charged for each withdrawal in excess of six. For more information regarding fees see the Fee Addendum.
Earn even more with a certificate account.
Looking for an even higher interest rate and don't need access to your money right away? A certificate account might be right for you.
- What is a Money Market account used for?
A Money Market account is a great place to park emergency or vacation funds, save for starting a new family, supplement retirement savings, or save for major purchases.
- Are Money Market accounts affected by the stock market?
No. With a Money Market account, your funds are as secure as they are with any other type of savings account. In fact, they are federally insured to at least $250,000 by the National Credit Union Administration. Money Market accounts have nothing to do with the stock market.
Don't see the question you're looking for?
There are three different ways to open an Ascend money market account.