Wish your savings account yielded more dividends (interest)? An ITCU Money Fund account offers better dividend rates than a standard savings account but also empowers you with more flexibility and accessibility. Save more and earn more, all while enjoying more convenience! Open yours today, stop by your local branch or give us a call at (800) 337-3328 to get started! You can always use InTouie to chat with our Contact Center during business hours, too!
It's Just Like a Money Market Account - It Rewards You for Saving More
ITCU makes it even easier to reach your financial goals with a tiered balance framework. Each balance tier you meet raises your dividend (interest) rate and potential earnings. Starting at $2,500, there's seven balance tiers and increasing dividend rates, up to $1,000,000. Click here to see the tier ranges and applicable dividend rates.
Higher Rates and More Accessibility
Our Share Certificate of Deposit (CD) and Money Fund Account both offer higher dividend rates than a standard savings account. However, a CD does not allow access to your balance until it matures which is not the case with our Money Fund account. You enjoy the convenience of easy access to your funds while also earning more dividends! Just keep in mind that to avoid a monthly fee, your average daily balance must not fall below $2,500.
Affordable Minimum Balance
You can open a Money Fund Account with a minimum deposit of $100.00 but you'll want to get it to at least $2,500 and keep it at or above that amount to earn the highest dividend rate possible and to avoid a monthly fee.
Our High-Yield Checking (HYC) account also offers a tiered dividend rate structure, but it's based on debit card spending. The earned rate will apply to balances up to $50,000. But there's an added bonus: access to special, higher dividend rate CDs that aren't available, otherwise. Enjoy the benefits of a Money Fund Account, in the form of a checking account, with an exclusive CD benefit!
Share Certificates of Deposit (CDs) offer guaranteed returns at dividend rates higher than your standard savings account. You choose a term that best fits your needs! See our Rates page for term options and minimum deposit requirements.
Yes, your Money Fund Account can be accessed using InTouch Credit Union’s Online Banking service, just like any checking or savings account.
Maintaining an account balance above $2,500.00 waives the monthly service fee of $25.00.
You can access your Money Fund account for up to 6 fee-free withdrawals per month while up to three of those transactions may be made by check. Like a savings account, your Money Fund account is subject to Reg D limits.
