money markey account icon

money market accounts

Your money should work for you. Invest confidently in yourself with an Arizona Money Market account from SunWest Credit Union.

features you can appreciate

high-yield
tiered rates
mobile banking
compounding

boost your savings account

You don’t have to have a million bucks burning a hole in your pocket in order to bring your visions to life. If you’re not quite ready for long-term, risky investments, a money-boosting Money Market account might be exactly what you need.

Take your savings account game to the next level with a money market account from SunWest Credit Union to make your vision reality.

zero risk

You’re climbing your way to the top of the savings mountain. Zero economic risk allows you to safely earn a higher return while keeping money liquid for easy access.

bigger savings

Our tiered APY* rates get higher the more you deposit and start at a minimum balance of $1000. Start low, build high, and earn all along the way.

automated earnings

Money market accounts have variable rates that adjust based on the market. You never lose a cent if rates decrease, and when they increase, you earn more without lifting a finger.

worry-free withdrawals

With 3 free withdrawals per month, you have flexible access to your money when you need it. Subsequent withdrawals are $5 each until the month resets.

here's to the future

You deserve all the luxuries that life has to offer without the headaches. Let’s build a savings strategy that empowers you to create the life you know is possible. Stop by a SunWest branch to open your Money Market account today, and take your savings to the next level.

time to measure up

Don’t panic if you haven’t made up your mind just yet. Your financial health is a relationship best nurtured when you’re armed with the information to empower you to make educated decisions. After all, your journey is unique. Only you can determine what feels right.

Choose from the benefits below to discover the savings account made just for you:

I am looking to build a short-term savings strategy

that provides immediate access to my funds. I am okay with a lower dividend if it means I can transfer or withdraw money as soon as I need it.

your result: savings

Our Savings account lets you slowly earn interest while maintaining full access to your money whenever you need it.

I am looking to build a mid-term savings strategy

that provides easy access to my funds. I can plan ahead for accessibility needs and really just want to earn higher dividends than I would with a regular savings. I am not at a point where I can set aside money for a predetermined amount of time with no plans to withdraw funds.

your result: money market

Our Money Market account helps you earn dividends more aggressively than in our primary savings while still maintaining access to your money when you plan ahead.

I am ready to build a long-term savings strategy

and have the ability to set aside funds for a long period of time. I don’t need to withdraw the funds and want a high return on my investment. I am also looking for more options in regards to interest rates and length of deposit period.

your result: CD

Our Certificate of Deposit (CD) accounts allow flexible and aggressive earning with a variety of term lengths.

I am ready to plan for life after my career

and want the highest return on my investment with the added benefit of tax advantages. I can set money aside for a long period of time and have no plans to use that money before I am able to withdraw funds.

your result: IRA

Our IRA account helps you set aside tax-free money so you can save for a comfortable retirement.

compare savings accounts

savings options

type of savings

benefit

dividends

withdrawal limits

online access

traditional
savings
best for short term saving
$5 that establishes your credit union part-ownership
lowest dividend rates, variable
unlimited number of in-person withdrawals per month
view balances, transfer up to 6x/month with no fee
money
market
best for mid-term savings
best return based on access level
medium dividend rates, variable
3 free withdrawals per month then $5 fee
view balances, transfer up to 6x/month with no fee
certificate
of deposit
best for long-term savings
highest dividends with range of terms
mid-high dividend rates, fixed
penalties charged before maturity, closure required if balance falls below threshold
view balances, no withdrawal access
IRa
best for post-career savings
tax advantages, best for retirement
highest dividend rates, fixed
subject to early withdrawal penalties + taxes
view balances, no withdrawal access

secured credit card

interest rate
7.90% variable rate
available terms
revolving line of credit with no maturity date. closed anytime upon member request.
minimum deposit
$500
fees
interest
payment
3% of your balance with a minimum dollar amount of $20
best if...
...you want to be able to use up to your deposit amount whenever you need to with the convenient access of a card.

credit builder

interest rate
2% + current CD term dividend rate
available terms
6 months
12 months
24 months
minimum deposit
$0 deposit required
fees
$25 + interest
payment
fixed monthly amount of about $85
best if...
...you don’t have a large cash deposit. 

savings secured

interest rate
2% + current Savings dividend rate
available terms
6 months
12 months
24 months
minimum deposit
$500
fees
interest
payment
fixed monthly amount
best if...
...you want funds to become available each month.

cd secured

interest rate
2% + current CD term dividend rate
available terms
6 months
12 months
24 months
36 months
60 months
minimum deposit
$500
fees
interest
payment
fixed monthly amount
best if...
...you want a lump sum available once the term ends, want a longer term, or you want to use funds from an existing CD.

*APR = Annual Percentage Rate. See a representative for details.
**Please keep in mind we always pull credit for any new member as part of our identity verification process.

own your
financial journey

You’re on your way to financial freedom but wait, there’s more! If you’re anything like us, you want to know everything you can about planning for success. We respect your ambition and we support the hustle.

Visit MoneyEdu or Ask SunWest to learn more about traditional savings accounts, money market accounts, and other ways to improve your financial health. Go on. Be the financial champion you were meant to be.

Money Market Account FAQ

What is a money market account?

What are money market rates based on?

Are money markets safe?

*APR = Annual Percentage Rate. See a representative for details.
**Please keep in mind we always pull credit for any new member as part of our identity verification process.