Keep your reserves insured... and growing
The ideal program to protect and grow your non-operating reserves.

Insured Money Market Reserve

Safe. Accessible. Money market rates.

It’s the strategic stewardship solution for your non-operating reserves that exceed the $250,000 NCUA federal insurance limit.

For reserves you don’t need for daily operations...but might need for that unexpected opportunity or expense.

Rates

Minimum Daily Balance
Dividend
APY1
$0
1.07%
1.08%

Rates Effective: November 01, 2019


Fees

Minimum Opening Deposit
$25,000

Monthly Maintenance Fee
$0

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.