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Belco's Online Banking

Money Market Accounts

Combine competitive rates with flexible access to your funds

A Money Market Account takes the best features of our other savings options and combines them into one handy tool. You can earn higher rates than regular savings without locking your money away in a Share Certificate. Plus, you can keep adding funds anytime you want.

Earn More as Your Balance Grows

Your interest rates go up when you achieve certain savings goals.

Start Earning With Just $250

A low minimum deposit means you can open an account sooner.

Flexible Withdrawal Options

There are NO monthly limits to the number of transfers or electronic withdrawals you can make.

Insured Up To $250,000

No need to stress about the stock markets – your funds will be secure.

Key Features of Our Money Market Account

Choose a Money Market Account if you want to achieve your savings goals faster. Earn higher dividends as your balance grows! 

  • A minimum deposit of $250 is required to open the account.
  • Dividends earned are based upon a tiered structure.
  • Rate automatically adjusts based on your account balance.
  • Compounded dividends are credited monthly.
  • Automatic transfers are available.
  • Federally insured by the National Credit Union Administration (NCUA)

Money Market Rates vary depending on your account balance. Bigger balances earn higher interest rates.

A couple enjoys financial security thanks to a money market account.

See Our Tiered Money Market Accounts Rates

Savings AccountsMinimum Balance to Earn DividendsDividend RateAnnual Percentage Yield (APY)*Best For
Money Market $250.00 - $9,999.99 0.50%0.50%People who want to earn higher rewards for higher balances and maintain access to their funds.
$10,000.00 - $24,999.99 0.55%0.55%
$25,000.00 - $49,999.990.70%0.70%
$50,000 - $99,999.990.75%0.75%
$100,000.00 - $249,999.991.00%1.00%
$250,000 - $499,999.991.24%1.25%
$500,000.00 - $999,999.992.96%3.00%
$1,000,000.00 +3.45%3.50%

*APY=Annual Percentage Yield. Advertised rates accurate as of publication date. Dividends are paid at tier rates on balances within each tier. Fees may reduce earnings. The lowest tier is based on a minimum $250 account balance; the highest tier is based on a minimum $1,000,000 account balance. Rates subject to change at any time and without prior notice. Federally Insured by NCUA.


“I would highly recommend using Belco and its services to anyone. I find their interest rates are better than the average Bank.”

– Ruth C.


“I love Belco. Especially [the Lebanon] branch. They are so nice and honest. Very personable.”

– Tianna A. Achour.


“Always friendly and very efficient.”

– R. Eugene B..

Enjoy the Benefits of a Belco Money Market Account

Mobile and Online Banking 

Easily check your account balance, transfer funds, and more.

No Annual Fee 

You won’t lose any of your earnings to unnecessary fees.

Compounding Dividends

Earn interest on your deposits as well as your earned interest.

Tiered Rates

Achieve your goals faster with motivating rate increases.

Schedule a Bill Payment

Use your account to pay an important monthly expense.

Federal Insurance

Your funds are guaranteed by NCUA up to $250,000.

Take the Next Steps to Open Your Money Market Account

Money Market Account FAQs

What’s the minimum deposit to open an account and earn dividends?

You can get started with just $250 and a Money Market Account lets you deposit more funds whenever you want.

When will my rates go up?

Your dividend rate and annual percentage yield (APY) rate will go up when your balance reaches these amounts:

  • $10,000
  • $25,000
  • $50,000
  • $100,000
  • $250,000
  • $500,000
  • $1,000,000

How can I withdraw funds from my Money Market Account?

You can make unlimited withdrawals per month, including Online and Mobile Banking transfers and scheduled bill payments.

In addition, you can withdraw funds in person at a Belco branch.

More Ways to Save and Earn With Belco

Basic Savings

A Share Savings Account is your gateway to Belco membership, products, and services. Deposit just $5 to get started!

Certificate Accounts

A Share Certificate is a great way to achieve your goals. Deposit at least $500, then choose a term of 3 months to 60 months.

Individual Retirement Accounts

Choose the best type of IRA to meet your needs and enjoy the tax advantages (Consult Your Tax Advisor)