Escondido Federal Credit Union

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Money Market Accounts

Higher dividend rate for higher balances

If having instant access to your funds is important to you, but you want to earn more dividends than a share savings account, we have the option for you!

Escondido Federal Credit Union's Money Market Account earns a higher dividend rate for higher balances, but is flexible in allowing access to your funds without a penalty. Like the rest of EFCU's share accounts, our Money Market Account dividends are calculated daily and paid monthly, so your money works harder and produces a higher Annual Percentage Yield (APY).

Dividend rates are based on three balance tiers:

  • $2,500-$10,000
  • $10,000.01-$25,000
  • $25,000.01 and above


  • Competitive rates
  • ATM access to your funds
  • $2,500 minimum starting deposit
  • $2,500 minimum balance for dividends
  • Unlimited deposits and in-person withdrawals
  • Up to six automatic withdrawals and transfers per month
  • Convenient overdraft protection
  • NCUA insured

Current RAtes

To open an account please visit one of our branches or give us a call at (760) 839-4606.