Banking Without Boundries

Earn 3% APY* on your savings

SO YOU CAN AFFORD MORE NEW
STUFF THAT LOOKS LIKE OLD STUFF

Open a Money Market Account

Say hello to our new money market account where you earn 3% APY* on lower balances while still earning legit1 rates on higher balances. Because let’s face it. You should earn big – no matter if you’re saving big or small.

Calculate Your Earnings

See for yourself how much you’ll earn in just 1 year!

Money Market Earnings Calculator

Deposit range is $0–$99,999,999

Distribution Breakdown
Tiers APY
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This calculator is for illustrative purposes only and does not reflect the actual results of any specific deposit amount.


How the Rate Works

Unlike your everyday money market account, this savings account gives the highest rate on the lower tiers then blends your rate as your money gets distributed down each earning tier. So for example:

  • A deposit of $5,000 would earn a blended APY of 2.10%, instead of just 1.49%
  • A deposit of $10,000 would earn a blended APY of 1.43%, instead of just 0.75%
  • A deposit of $25,000 would earn a blended APY of 0.87%, instead of just 0.50%

For the official rate table, visit pmcu.org/disclosure.

Money Market Account 101

  • $5 to open the account
  • No minimum balance required – yep, you read that right!
  • Dividends paid monthly
  • Checks available
  • Up to 6 automatic or preauthorized withdrawals or transfers per calendar month
  • Limit 1 reverse tiered money market account per primary owner
Let’s say you start with 1¢: The rate tied to those dollars is: We then take your total balance and blend the dollars from each earning tier so you actually earn between:
Then deposit $1,999.99 to your account
($0-$2,000)
2.96% 3.00%
Put in another $3,000
($2000.01 - $5,000)
1.49% 3.00% - 2.10%
Add $5,000 more
($5000.01 - $10,000)
0.75% 2.10% - 1.42%
Add $40,000 more
($10,000.01 - $50,000)
0.50% 1.42% - 0.69%
Add $50,000 more
($50,000.01 - $100,000)
0.40% 0.69% - 0.54%
On the next $150,000
($100,000.01 - $250,000)
0.35% 0.54% - 0.43%
And on anything above
$250,000.01
0.30% 0.43% - 0.30%

Ever feel like your bank doesn’t get you? Bank with someone who does.

Premier Members Credit Union is one of the largest credit unions in Colorado. We are a not-for-profit financial cooperative based out of Boulder Colorado, serving members in Adams, Boulder, Broomfield, Denver, Jefferson, Larimer and Weld Counties. Premier Members also partners with over 750 companies across the Colorado Front Range. We are your banking solution - from checking accounts, savings accounts, auto loans, credit cards, home equity loans, to mortgage loans and everything in between.


1. Short for legitimate. What we mean to say here is best-in-market. But that’s boring, so we used a word our intern says a lot.

*APY=Annual Percentage Yield. Membership required. Rates are valid as of January 1, 2017 and are subject to change after account opening without notice. Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. “Blended APY” shown assumes the amount entered is kept in the account for one year. Withdrawing funds before one year will result in a different amount of dividends paid. No minimum deposit required to open an account. Limit one Money Market Account per social security number. Federal Regulation D states that you may make no more than six (6) automatic or preauthorized transfers from your share savings or money market account per calendar month. Certain withdrawal limits apply to Money Market Accounts, be sure to review Membership and Account Agreement Disclosure for details.