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Save like a CD, spend like checking
A money market account is sort of like a combination of a checking and savings account, with perks from both! Offering higher rates like a CD, our Money Markets give you the flexibility to save your cash while making withdrawals and writing checks, so that you can use your money when you need it.
Is a money market account right for me?
If you’re looking to save in the short-term, don’t want to deal with the confusion that stocks or bonds come with, and want to keep your spending options open, then it might be the right account for you!
The orsa credit union Money Market Account requires a balance of at least $2,000 to start earning, so members just starting out on their savings journey will want to check out our High Yield Savings Account first!
Money Market Account Details
The Good Stuff
When you’re saving more, it’s ok to expect more—zero transaction fees and rates that grow alongside your money, for example.
Advantages of a Money Market Account
Higher rates, extra flex
Speed up your savings, spend when you need to, and keep your money safe.
Higher interest rates
Save more and beat the rates on most standard savings accounts! The best part about bigger growth is that it just keeps going.
Low risk returns
Get stable rates and returns that you can count on, without having to play the stock and bond guessing games.
Limitless transactions
Unlike other money market accounts, orsa doesn’t have any limit on the number of transactions that your account can make!
Free of fees
Paying less means doing more! Our Money Market Account has no maintenance or transaction fees.
Money Market Rates
Date Updated May 19, 2026
Minimum to Earn Dividends | Dividend Rate | APY* |
|---|---|---|
$2,000 | 1.10% | 1.10% |
$15,000 | 1.29% | 1.30% |
$25,000 | 1.59% | 1.60% |
$50,000 | 1.69% | 1.70% |
$100,000 | 1.98% | 2.00% |
$250,000 | 2.47% | 2.50% |
$500,000 | 3.20% | 3.25% |
$1,000,000 | 3.45% | 3.50% |
$5,000,000 | 4.12% | 4.20% |
*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. orsa Fee Schedule.
Frequently Asked Questions
Money Market Account FAQ
If you have any further questions, give our Care Center a call at (877) 937-2328 or stop by one of our branch locations!
As a credit union, all money market accounts at orsa credit union are Federally Insured by NCUA up to $250,000 with additional coverage up to $100,000 from ESI Corporation.
Money market accounts are sort of like a mix between savings and checking accounts! They’re designed for higher returns on high savings amounts, while still offering some of the withdraw flexibility that checking accounts offer.
Money market accounts are not tied to stocks, bonds, or other investments that you’d typically think of when you hear the word “market”. While your rates and earnings will fluctuate over time, you can’t lose money based on these market fluctuations!
orsa money market accounts feature dividends that are compounded daily and paid monthly, with APY based on the account’s balance.
There is no limit to the number of money market accounts you can have at orsa. That said, only one money market account will have the ability to write checks.
Yes! orsa money market accounts feature unlimited withdrawals and transfers regardless of method.
Yes. Interest earned with a money market account is reported and taxed as any other regular income source would be.
Opening a new money market at orsa is as easy as it is flexible! Simply apply online, in our digital banking app, at a branch location, or through the Care Center by phone at (877) 937-2328!
Other ways to save
The place for savers
We’ve got something for just about any savings goal, whether that’s a speedy start with our High Yield Savings Account, steady growth with a long term, low-effort CD, or the flexibility to spend and save with a Money Market.
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