Money Market


Ultimate flexible savings

Truly Usable Funds

Higher yields and you can still access your money? That’s right! Funds can be deposited or withdrawn* at any time with a Money Market account, so you can have the flexibility to do more with your money. If your regular savings account is starting to feel stagnant, a Money Market may be the next step you need to have your money work for you.

  • Higher balance = Higher rates
  • Unlimited deposits
  • No term restrictions
  • No minimum balance
Start saving with agility
Regular Money Market
Savings BalanceRateAPYLoyalty RateLoyalty APY
$0–$2,4990.05%0.05%0.10%0.10%
$2,500–$19,9990.20%0.20%0.25%0.25%
$20,000–$99,9990.30%0.30%0.40%0.40%
$100,000+0.35%0.35%0.50%0.50%

Rates quoted as Annual Percentage Yield. Fees could reduce earnings. Federally insured by NCUA up to $250,000. *Accounts are limited to 6 electronic withdrawals in accordance with Federal Regulation D. Additional products and rates, including Jumbo Money Market Accounts, are listed here.

bag of money with a brick wall behind it

Account Requirements

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am–7pm, Sat: 9am–2pm. Additionally, you may visit any Deseret First Branch.


Strength and Flexibility with Deseret First

Apply for Accessible Savings