Have the funds to take advantage of unexpected business opportunities. And, as always, enjoy bank-anywhere services.
- Digital Banking
- 30,000+ Free ATMs
- 5,000+ Service Centers
- Competitive, tiered rates
- Greater earning potential with a premium rate
- No monthly service charge
- Enjoy ready access to funds
- Free digital banking
- Access to over 5,000 service centers
- Access to over 30,000 surcharge-free ATMs1
Gold Money Market
- $50,000 minimum balance to earn the premium rate
- $50,000 minimum deposit to open
Platinum Money Market
- $250,000 minimum balance to earn the premium rate
- $250,000 minimum deposit to open
Emerald Money Market
- $500,000 minimum balance to earn the premium rate
- $500,000 minimum deposit to open
Account transfer and withdrawal limitations apply.
- Higher returns than savings accounts
- Fixed rates for length of term
- Terms range from 6 months to 2 years
- Early withdrawal penalties apply*
- $1000 minimum deposit to open
Step Up Certificates
This flexible savings program allows you to change your certificate rate one time during the term. If the rates go up — you're covered! You can "step up" to the higher rate.
*For all Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
- Terms of 6 months to 1 year 90 days’ dividends
- Terms of longer than 1 year 180 days’ dividends
The penalty imposed will equal the lesser of all dividends earned or terms above. However, the penalty will not be less than 7 days’ dividends.
Deposits federally insured to at least $250,000 by the National Credit Union Administration.
1To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM transactions will be charged $2 per transaction.