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Money Market Accounts

Better Rates Than Banks

Open an Account

4.00% APY* Direct Advantage MMA. Get Started >

Our Yields Fund Your Financial Dreams

Travis Credit Union's Money Market Accounts give you the best of both worlds. Earn higher interest than basic savings accounts along with the convenience of unlimited check writing, transfers and withdrawals. Plus, there are no maintenance fees. Money Market Accounts are the flexible way to build your savings.

All TCU Money Market Accounts Offer:

Low risk investment icon, illustration of a rate meter, in white color

Low Risk
Investment

Unlimited deposits and withdrawals icon, illustration of dollar with arrows pointing left and right, in white color

Unlimited
Deposits
& Withdrawals

No minimum balance fee icon, illustration of dollars stacked vertically, in white color

No Minimum
Balance Fee

24/7 access in person and checks icon, illustration of a hand holding a mobile device with a dollar symbol, in white color

24/7 Access
In-Person
& Checks

Jumpstart Money Market

A reverse-tiered Money Market account that pays the highest dividends on the lowest tiers.

  • $0 minimum to open and no monthly maintenance fees
  • Unlimited deposits, withdrawals and transfers
  • Only new money qualifies*

Open Account

MINIMUM BALANCE
TO OBTAIN APY		 DIVIDEND
RATE		 ANNUAL PERCENTAGE
YIELD
$0 TO $1,000 3.93% 4.00%
$1,000.01 - $3,000 1.74% 1.75%
$3,000.01 - $5,000 0.75% 0.75%
$5,000.01 OR MORE 0.00% 0.00%

Jumbo Plus Money Market

Grow your savings with tiered interest rates based on higher balances.

  • $1,000 minimum to open
  • Unlimited deposits, withdrawals and transfers
  • No monthly maintenance fees

Open Account

MINIMUM BALANCE
TO OBTAIN APY		 DIVIDEND
RATE		 ANNUAL PERCENTAGE
YIELD
$0 - $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 2.13% 2.15%
$50,000.00 - $99,999.99 2.62% 2.65%
$100,000.00 - $249,999.99 2.96% 3.00%
$250,000.00 OR MORE 3.06% 3.10%

Savings Calculator

 

Frequently Asked Questions

A money market account is an interest-bearing account offered by a financial institution such as credit unions or banks. It is a combination of a savings and checking account and typically pays a higher rate of interest than regular savings accounts. An MMA may include debit card and check-writing privileges. Travis Credit Union’s MMAs allow unlimited deposits, withdrawals and transfers. Additionally, the money market balances at TCU are insured for up to $250,000 per depositor by the NCUA.

No, the funds are not invested in stocks, despite the name.

Easy! You are allowed unlimited withdrawals. Access your money online, in-person or by using checks.

No, your funds are not locked in for any period of time. You may withdraw the funds at any time.

No. We do not charge a low balance or maintenance fee. There is no fee to open an account.

Both money market and savings accounts are interest paying deposit accounts. However, money market accounts typically pay a higher rate of interest than regular savings accounts and may include debit card and check-writing privileges. The balance requirements, interest paid and monthly fees will vary by the financial institution.

Yes! Your funds are federally insured by the NCUA up to $250,000 per depositor, per financial institution.

There may be tax implications when rolling a 401k into a money market account. For specific information related to your individual needs, we encourage you to consult a tax professional or a TFS Financial Consultant.

If the answers are “yes” to the following points, then an MMA may be right for you.

  • Do I want to make more money?
  • Do I usually keep this balance in my savings?
  • Will I be using any of the funds soon for a major purchase?
  • Would I like the convenience of a checking account but the benefit of a savings account?

*APY is Annual Percentage Yield. APY is accurate as of 1/01/2025. Withdrawals may reduce earnings. Rate is variable and may change at any time. The APY is calculated on the end-of-day balances and dividends are paid on the last day of the month. No minimum opening deposit required. Only new money qualifies for the Jumpstart MMA. New money is defined as funds not currently on deposit with Travis Credit Union. Only one Jumpstart MMA allowed per member, per lifetime. The Jumpstart MMA cannot be converted to any other type of Money Market account. The account must be closed and transferred.
Everyone who lives, works, worships or attends school in our 12 county area is eligible for membership: Solano, Yolo, Contra Costa, Merced, Napa, Alameda, Colusa, Placer, Sacramento, San Joaquin, Sonoma and Stanislaus. Federally insured by NCUA. See account disclosure for complete details.

Travis Credit Union
One Travis Way
Vacaville, CA 95687

(707) 449-4000