Money Market


Earn higher rates than a regular checking or savings account and keep your funds liquid while earning higher dividends with our Money Market Checking Accounts. We offer competitive rates!

  • Unlimited deposits and up to 6 withdrawals or transfers of $500 or more a month¹

  • $1,000 minimum balance for dividends (no penalties/fees for balances less than $1,000)

  • Free checks

  • Tiered dividend structure – the more you save, the more you earn!

  • Dividends compounded and paid monthly

  • Funds insured by NCUA (subject to rules and regulations)

  • Rate applies to entire balance, not just the amount over the tier threshold

  • Tiered rates are based on money market environment and may change weekly

  • Dividends are earned daily and credit to the account at the end of each calendar month

  • Due to the number of days in each calendar month, some months may see higher earnings

  • Additions are accepted in any amount, at any time

  • Has no term restrictions or minimum balance to open

Offers six dividend rate tiers. The higher your account balance, the greater the earnings:

  • $500,000 and over

  • $100,000 - $499,999

  • $50,000 - $99,999

  • $25,000 - $49,999

  • $10,000 - $24,999

  • $0 - $9,999²

¹Each withdrawal or transfer above 6 will incur a fee of $2

²The tiered dividend rate Money Market account requires a minimum of $1,000 to earn dividends

Federal regulation limits the total number of certain types of transfers and/or withdrawals you may make from your SDFFCU Money Market Account to six (6) during any calendar month. The types of transfers and withdrawals that are limited are those requested by fax, telephone, Internet, pre-authorized transfers. Automated methods such as overdraft protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or preauthorized draft withdrawals (i.e., bill payment, insurance premiums) are included. Excessive transactions that are limited by the regulation could result in account closure.