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Insured Money Market Reserve
Keep your non-operating reserves insured, protected, and growing with our Insured Money Market Reserve program.

What is it?

Our Insured Money Market Reserve program is the strategic stewardship solution for your non-operating reserves that exceed the $250,000 NCUA federal insurance limit. These are the reserves you don’t need for daily operations but might need for an unexpected opportunity or expense.


  • Safe: Since this is a federally insured account, you can rest assured knowing your reserves are protected.
  • Accessible: You can access your reserves at any time and withdraw from your account in accordance with the withdrawal privileges noted in the chart below.
  • Money Market Account Rates: You’ll receive up to a 0.04% APY1.
Open your Insured Money Market Reserve account today.

Here's How:

  • $25,000 to open
  • Contact your Ministry Relationship Manager, call Member Services at 800.921.1130


Minimum Daily Balance

Rates Effective: October 01, 2020


Minimum Opening Deposit

Monthly Maintenance Fee

Withdrawal Privileges
One withdrawal allowed per half year (one from Jan-June, one from July-Dec). $50 Fee for each additional withdrawal within half year period or withdrawals in excess of 50% of the account balance.

1APY is Annual Percentage Yield. APY assumes that dividends remain on deposit for one year. Withdrawal of dividends and fees could reduce earnings.

Please refer to ECCU's Account Agreement and Disclosures and Account Information and Fee Schedule for complete information. All account rates, agreements, terms, and conditions offered are subject to change without notice. For current dividend rates and annual percentage yields, call Member Services at 800.921.1130 or internationally at 714.671.5705.

Program is subject to ECCU Availability. Funds participating in the Insured Money Market Reserve program are deposited into deposit accounts at participating banks, which are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 for each category of legal ownership, including any other balances a bank customer may hold directly or through other intermediaries, including broker-dealers. The total amount of FDIC insurance in an account depends on the number of banks in the program. If the balance in the account is greater than the FDIC insurance coverage in the program, any excess funds will not be insured. Customers should read the Program Terms and Conditions carefully before depositing money into the program and for other important customer disclosures and information. To assure their FDIC coverage, customers should regularly review banks in which their funds have been deposited, and notify ECCU immediately if the customer does not want to allocate funds to a particular bank or banks. The Insured Money Market Reserve program is administered by Stable Custody Group II, LLC.