Money Market Savings

Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.

  • Open with a $1,000 minimum deposit
  • Get a 0.55% APY on balances of $10,000
  • Up to six free withdrawals per statement cycle
  • Funds federally insured up to $250,000
  • Additional tiered rates available on other balances

Note: If your balance drops below $1,000, a $7 monthly service fee is charged. Up to six free withdrawals permitted each monthly statement cycle. Each additional withdrawal $2.


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Tiered Dividends and Yields

With Money Market Savings, a low monthly fee of $7 is waived when you maintain a balance of $1,000 or more. In addition to a great annual percentage yield (APY), Money Market Savings makes it easy to earn higher dividends as your balance grows. Dividends and APY are paid monthly on any daily balance of $500 or more.

Note: Tiered dividends are paid on balances of $500 or more. Balances below $500 earn no APY or dividends, but do not keep you from earning them at any time your balance is above $500 in a statement period. Dividends are calculated using the daily balance method. Your balance tier determines the daily dividend rate and annual percentage yield on the daily account balance. The rate is variable, and may change at any time after the account is opened. Fees could reduce dividend earnings.


A Debit Card Designed For You

Credit Human provides a free debit card with any savings account. You get easy access to your funds through our network of ATMs in the San Antonio and Houston areas, and with millions of Mastercard® merchants worldwide.

Use your Credit Human debit card with your digital wallet at participating retailers.  Just add your Credit Human debit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device.

Take advantage of the Credit Human debit card rewards program free of annual fees. Just choose signature-based transactions rather than PIN-based transactions to earn rewards at a rate of one bonus point for every $2 you spend. Track bonus points and redeem them for rewards at

Bonus: Apply for a  Rewards Preferred Mastercard® to earn even more bonus points or choose cash back.

Your Insured Funds

As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.

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Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

Dividend Checking

Dividend Checking allows you to earn dividends on your balance and enjoy all the conveniences that come with all of our checking accounts.

Money Market Savings Rates

Account BalanceDividend RateAnnual Percentage Yield
$0.00 - $999.990.25%0.25%
$1,000.00 - $9,999.990.35%0.35%
$10,000.00 - $89,999.990.55%0.55%
$90,000.00 and up0.60%0.60%

Rates are effective as of January 17, 2020

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.

Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

* Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

Money Market Account requires a minimum opening balance of $1,000.

Up to six free withdrawals permitted each monthly statement cycle. Each additional withdrawal $2.