Desert Schools Money Market

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Interested in earning higher dividends on your savings?
Need to ensure you have flexible access to your funds?
Looking for a savings strategy with guaranteed earnings? 

If your hard-earned money isn't working hard enough for you, a Desert Schools Money Market account may be the answer. This account gives you the opportunity to earn dividends at a competitive rate, without losing the ability to access your funds. In fact, it enhances the benefits of a savings certificate with the convenience of a checking account by providing a Visa debit card and checks for easy on-the-go access. As your balance increases to predetermined tiers, your dividend rate also increases for higher returns. With competitive rates and a low minimum balance, you can build toward your future risk-free.


  • No monthly or annual service fees1
  • $2,000 daily minimum balance
  • Unlimited over-the-counter transactions
  • Competitive dividends tiered at $10,000, $25,000, $50,000, $100,000, and $250,0002
  • ATM access with a Money Market Visa® Debit Card3
  • Check writing capabilities
  • Free Online Banking and PAL
  • Free eStatements and Alerts
  • Free incoming wires
  • For purposes of direct deposit, our Money Market accounts are categorized as checking accounts
Members with Desert Schools Money Market may also qualify for Direct Deposit.

1$15 monthly service fee applies if required daily minimum balance is not maintained. Monthly Fall Below Fee waived for members with a Desert Skyline Checking account.
2Desert Schools Money Market is a variable rate account. Dividend Rate and Annual Percentage Yield (APY) may change after the account is opened.
3Limited to six withdrawals per statement cycle. $10 for each additional withdrawal.


Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union