March 23, 2026
Want a High-Yield Account? Check Out a Money Market
Looking for a high-yield savings option that still gives you access to your money when you need it? Then a money market account is worth a closer look. It offers stronger earning potential than a basic savings account in most cases, while still keeping those funds accessible when life happens.
A money market account may be worth considering if you are:
- Rewarding yourself for building better savings habits since money market accounts offer higher returns, helping your money grow faster.
- Building an emergency fund and want your savings to grow while still being there when you need it.
- Saving for short-term goals such as a vacation, home remodeling project or car repair and want to keep the money separate from everyday spending.
- Setting aside a tax refund, bonus, or other lump sum and want to earn more while deciding what to do with it.
- Looking for a better option than keeping extra cash in your checking account for “just in case” situations and want a better place for that money to grow.
First Commerce Credit Union’s high yield Momentum Money Market Account was created for savers who want to build momentum toward their next financial goal. Momentum offers 4.00% APY* on your first $10,000, with attractive rates on additional balances above $10,000.
With no monthly fee and flexible access to your funds, Momentum can be a great fit for emergency savings, near-term goals, or a lump sum you want to put to work.
If you are looking for a savings option that helps your money grow while staying within reach, a money market account may be worth checking out.
*Momentum Money Market: Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Members’ dividends will be calculated at 4.00% for balances between $0.01 and $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and 0.75% for balances $250,000 or more. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
First Commerce Credit Union provides this content to inform and inspire. While we strive for accuracy, we do not guarantee this information is accurate, complete or current. This information is not professional advice (tax, legal, financial, etc.) and should not replace your individual consultation with qualified advisors. Laws, rules, and personal circumstances can change, so please verify how this information applies (or does not apply) to your situation and location. All decisions remain your responsibility. First Commerce Credit Union and its affiliates and employees assume no liability for outcomes resulting from the use of this material.
Who We Are
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.
