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Tiered Money
Market

earn up to 1.00% APY1
Have easy access to your savings with an account that pays······
Simple to Open,
Easy to Maintain
dad teaching child to save
Get started with a $2,500 minimum opening balance and enjoy the account with no monthly maintenance fee—so more of your money stays working for you.
Flexible Access
to Funds
couple shopping for appliances
Make deposits or withdrawals at any time with no penalties. Optional check access is available, with up to three checks per month for added convenience.1
Secure, Federally Insured Savings
friends enjoying dinner
Your funds are federally insured by the National Credit Union Administration (NCUA), giving you peace of mind while your savings grow.1


Rates1
Balance
Dividend Period
APY
$2,500 - $9,999.99
Monthly
0.10%
$10,000 - $24,999.99
Monthly
0.25%
$25,000 - $49,999.99
Monthly
0.40%
$50,000 - $99,999.99
Monthly
0.75%
$100,000+
Monthly
1.00%
Disclosures
1

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ROUTING # 322275115 · NMLS # 401786
*APR=Annual Percentage Rate. +APY=Annual Percentage Yield. Rates and yields are subject to change without notice.
A member in good standing meets all membership requirements, including maintaining the $5 par value in the required savings account. Member must not be suspended, expelled, or withdrawn from membership and should be current on dues or payments. This status ensures full access to credit union services, products, and voting rights.
© 2026 Downey Federal Credit Union. All Rights Reserved.