Money Market Accounts

Take your savings to another level.

Experience higher earnings with instant access to your money.

Higher earnings
Easy access to funds
Free online and mobile banking

Enjoy solid growth and easy access

Life can get expensive, which is why we all look for faster ways to grow our savings. A Money Market Account does just that. While some attractive investments require a lengthy commitment, your Money Market funds can be accessed any time you need them at an ATM, through online banking, our mobile app or at one of our branches.

  • Higher dividend rates than most traditional savings accounts
  • Maintain easy access to your funds with unlimited penalty-free withdrawals
  • Free Mastercard® debit/ATM card
  • Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)
  • Free online and mobile banking
  • 24/7 member service through our 365 Live Call Center
  • Pay bills electronically (must have a savings account as well)
  • No monthly fee*
  • Provide Overdraft Coverage for your checking account
  • Members must be 18 years old to open this account

* Minimum account aggregate balance of $100 required to avoid additional fee of $3/month. 

Money Market Account Dividends

APY1 Dividend Rate Daily Balance
0.00% 0.00% $1 to $2,499
0.20% 0.20% $2,500 to $4,999
0.20% 0.20% $5,000 to $24,999
0.25% 0.25% $25,000 to $99,000
0.30% 0.30% $100,000 to $199,999
0.35% 0.35% $200,000 to $499,999
0.50% 0.50% $500,000 and up

Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.