Money Market Savings

Money Market Account in Des Moines, IA 

If you don't want to tie up your funds in a longer-term investment, but you want to park it somewhere to earn a higher dividend rate, consider the Money Market Account from Financial Plus. Opening a Money Market Account with Financial Plus can help you grow your money, allow you quick access to your funds, and protect your money in the meantime. This means you don’t have to worry about fees when withdrawing money if the car breaks down or you need a new refrigerator. While we do limit the number of withdrawals you can make within a month’s time, this can help you budget and actually save your money rather than spend it on unnecessary items. Open an MMA today to start your rainy-day fund. 

With the Money Market Account you can maximize earnings with tiered interest rates, and still have immediate access to your funds, 24 hours a day, through online banking. And talk about keeping it simple and secure:  

  • No fee for being below the minimum balance

  • No monthly service fee

  • Minimum average daily balance of $1,000 to earn dividends

  • Dividends compounded daily, paid monthly to the account

  • Federally insured up to $250,000 by the NCUA.

Start saving money now to set yourself up for a successful financial future. Budgeting and setting money aside, no matter what for, will ease your financial burdens and give you wiggle room for unexpected expenses—good or bad—such as a surprise family vacation or hospital bills from a broken leg. 

Financial Plus is here to help you find the right savings fit. Our experts will help you evaluate your finances and help you make the best decision for your financial and savings goals. Open a Money Market Account in Des Moines, Iowa, today to start budgeting and saving for your future.  

Open an Account today!

Money Market Rates

APY is accurate as of the last dividend declaration date.
Dividends paid monthly. Rates current as of  02/15/24

Balance Rate APY
$0.00 - $999.99 0.00% 0.00%
$1,000.00 - $9,999.99 1.25% 1.26%
$10,000.00 - $24,999.99 1.40% 1.41%
$25,000.00 - $49,999.99 1.50% 1.51%
$50,000.00 - $74,999.99 1.60% 1.61%
$75,000 or more 1.70% 1.70%


The annual percentage yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. The dividend rates and annual percentage yields listed above are the rates and yields approved at the last Board of Director's meeting to take effect on the date above. The Plus Checking and Money Market accounts are tiered rate accounts. The balance ranges, dividend rates, and annual percentage yields for each tier are listed above. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Balance ranges may change at any time as determined by the Credit Union's Board of Directors. Maintenance or activity fees could reduce the earnings on an account. A penalty may be imposed for early withdrawal of share certificates. Withdrawal of earnings could reduce the APY. Please see the fee schedule for fees related to these accounts.