Money Market Savings Account

Maximize your earning power!

Both accounts are tiered, paying a higher rate for a higher balance. When you want to keep larger amounts of money immediately available for emergencies but want to earn more than normal savings rates, take a look at these products. That’s how you can maximize your earning power yet keep your money available with high-yielding accounts.

What’s the difference?

The only real difference between the Money Market Savings and Cash Management checking is check writing privilege. You may make an unlimited number of withdrawals in person. Transfers and other preauthorized withdrawals are limited to 6 per month, no more than three of these being by check, debit card, or similar methimgod. Law requires us to impose a fee for excessive withdrawals/ transfers – ours is $10 per item – and requires that your account be closed for repeated abuse.

Account Minimum
Balance to open
Standard Monthly Fee
Cash Management Checking $1000 None Yes
Money Market Savings $1000 None Yes
*Pays dividends monthly, calculated on the daily balance.


View Deposit Rates

Membership Eligibility

You must live, work, worship or attend school in Wayne County, North Carolina to be eligible to join and open accounts with us. If you are a new member, we will open your required Primary Savings (membership) account (you just need $1 to open this) when we open your certificate.

You Can Get Started Online!

Fill out the online application below for a money market savings account. A member of our team will contact you within 1 business day. You will still need to come in to complete account opening- it only takes about 10 minutes!

Open In Person

Visit one of the NCCFCU branches to create a Money Market Savings Account in person.
Locations and Hours

When you come to complete your account opening, bring the following:

Valid Driver's License
If your driver's license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address.
Social Security
Social Security card OR government issued document (tax return, w2, etc.) listing your FULL social security number


Money Market Savings Application Form

Step 1 of 8 - Eligibility and Account Type

  • Eligibility and Account Type

    Indicate your eligibility for membership and indicate the type(s) of account(s) you would like to open.