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July 20, 2024
Motion Federal Credit Union

Share Certificates/Money Market Accounts

Share Certificates

Share Certificates pay higher dividend rates for set terms, typically higher than Regular Share Savings and Money Market Accounts.

Motion offers short and long term share certificates to suit your individual needs. Rates are monitored each week and can change based on financial market conditions. However; once you lock in a certificate rate, you are protected from market downswings.

Unlike stock market or mutual fund investments, your deposits are protected up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.

Stop in a branch and lock-in your savings today with a Motion Share Certificate. 


Money Market Account

Our Money Market Account lets you take advantage of current money market interest rates. It’s perfect for members who want to watch their savings grow at higher rates than regular savings.

Money markets are savings accounts with a twist: The more you contribute, the higher your dividend rate. Your funds are federally insured up to $250,000 and you can withdraw your cash if you need to.

The minimum balance to earn dividends for our money markets is $2,500*; if you've built up at least that much savings, a money market is a good place to put it. You'll earn even higher dividends if you deposit $50,000 or more.

Money Market Accounts are great for that emergency fund part of your overall financial savings plan. Call or stop in and learn more so you can open your Motion Money Market Account today!

Check our rates and call for more details.


Share Savings
ProductDividend RateAPY1
REGULAR SHARE (Savings) 0.010% 0.0100%

Share Certificates
ProductDividend RateAPY1
3-5 MONTH SHARE CERTIFICATE 2.650% 2.6820%
6-11 MONTH SHARE CERTIFICATE 2.950% 2.9900%
12-17 MONTH SHARE CERTIFICATE 3.350% 3.4020%
18-23 MONTH SHARE CERTIFICATE 3.200% 3.2470%
24-35 MONTH SHARE CERTIFICATE 2.950% 2.9900%
36-47 MONTH SHARE CERTIFICATE 2.750% 2.7850%
48-59 MONTH SHARE CERTIFICATE 2.650% 2.6820%

Money Market
ProductDividend RateAPY1
MONEY MARKET (Tier II; $2,501 – $50,000) 2.350% 2.3750%
MONEY MARKET (Tier III; $50,000+) 2.750% 2.7850%

Federally Insured by the NCUA

Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Your shares are backed by our solid financial standing. However, the insurance protects members against loss if a federal credit union fails.

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