A savings account that gives back to you.
Maximize your savings with rates that rise as your balance grows. Rest easy with deposits insured up to $1,000,000* and unlimited monthly withdrawals with no penalties.
Open your accountSavings that work as hard as you do.
Rates that grow with you.
Tiered rates rise as your balance does, from 1.00% APY* up to 3.45% APY*.
Your money when you need it.
Make unlimited monthly withdrawals with no penalties.
You're part owner.
As a CSCU member, you're an owner of your credit union, not just a customer.
No monthly service charge. Keep a $2,500 balance to avoid the $10 monthly minimum balance fee.
Your rate rises with your balance.
Consumer money market rates by balance.
| Balance | APY* |
|---|---|
| $2,500.00 to $9,999.99 | 1.00% |
| $10,000.00 to $24,999.99 | 1.00% |
| $25,000.00 to $49,999.99 | 1.00% |
| $50,000.00 to $99,999.99 | 1.80% |
| $100,000.00 to $249,999.99 | 2.30% |
| $250,000.00 to $499,999.99 | 2.85% |
| $500,000.00 to $749,999.99 | 3.25% |
| $750,000.00 to $999,999.99 | 3.35% |
| $1,000,000.00 or more | 3.45% |
*APY = Annual Percentage Yield. Rates are effective as of 10/01/2026 and are subject to change without notice. Once a balance tier is attained, the corresponding rate applies to the entire account balance. Dividends are compounded and credited monthly.
See what you could earn.
Move the slider to your average balance.
Estimate only. Assumes your balance stays the same for one year, with no deposits or withdrawals and no change in rates, and that your whole balance earns the rate for its tier. A minimum daily balance of $2,500 must be maintained to earn dividends, and a $10 monthly minimum balance fee applies if the balance falls below $2,500. Dividends are compounded and credited monthly. Rates are subject to change without notice.
Your money is safe with us.
Your deposits are insured up to $1,000,000. This exceptional level of coverage is attained through a combination of up to $250,000 federal insurance provided by the NCUA and up to $750,000 private insurance from ESI.
*Additional insurance of up to $750,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
Start saving today.
Start online or stop by a local branch.
Tell us about yourself.
Answer a few quick questions and we'll get you on your way.
Add money to your account.
Make your $2,500 opening deposit and you're ready to save.
Watch your savings grow.
Your rate rises as your balance grows into higher tiers.
What members say.
Real reviews from our members on Google.
“…very helpful, knowledgeable and speedy. Love having the texting service and enjoy working with CSCU.”
T.S., Google review
“Awesome customer service! Friendly neighborhood bankers!”
M.C., Google review
“I've been with this bank for years…love it!”
T.R., Google review
Frequently asked questions
Is a money market account a good emergency fund?
It can be. Your money earns dividends while you keep it available, with unlimited monthly withdrawals and no penalties, and your deposits are insured up to $1,000,000. Many people aim to set aside several months of expenses in an emergency fund, and keeping it in a separate account from your everyday spending can make it easier to leave alone.
How is a money market account different from a regular savings account?
A money market account typically pays tiered rates that rise as your balance grows, and it usually asks for a higher opening deposit than a regular savings account. At CSCU, the money market account requires $2,500 to open and has no monthly service charge.
How do I add to my account?
You can transfer money from your CSCU checking or savings in online banking or the CSCU app, deposit a check with your phone in the app, or stop by a branch. You can also call or text us at (936) 295-3980.
What's the difference between a CD and a money market account?
A CD (certificate of deposit) holds your money for a set term, and withdrawing early can mean a penalty. A money market account lets you make unlimited monthly withdrawals with no penalties, and its rate is based on your balance and can change. If you're not sure which fits, call or text us and ask about our CDs.
Can I access my money when I need it?
Yes. You can make unlimited monthly withdrawals with no penalties.
How much do I need to open an account?
You need $2,500 to open. There's no monthly service charge. You need to maintain a minimum daily balance of $2,500 to earn dividends, and a $10 monthly minimum balance fee applies if your balance falls below $2,500.
How do the tiered rates work?
Your whole balance earns the rate for the tier it falls in. As your balance grows into a higher tier, your rate increases. Dividends are compounded and credited monthly. See the rate table above for each tier. Rates are subject to change without notice.
Is my money insured?
Yes. Your deposits are insured up to $1,000,000 through a combination of up to $250,000 federal insurance from the NCUA and up to $750,000 private insurance from Excess Share Insurance Corporation (ESI).
Who can open an account?
Membership is open to anyone who lives, works, worships, or attends school in Walker, San Jacinto, Trinity, Houston, Madison, Montgomery, or Grimes County, Texas.
*APY = Annual Percentage Yield. Rates are effective as of 10/01/2026 and are subject to change without notice. APY may change after account opening. Money Market Accounts are tiered-rate accounts. Once a balance tier is attained, the corresponding dividend rate and APY will apply to the entire account balance. Dividends are compounded and credited monthly.
A minimum deposit of $2,500 is required to open a Money Market Account. A minimum daily balance of $2,500 must be maintained to earn dividends. Dividends are calculated using the daily balance method. Fees may reduce earnings on the account. Membership eligibility is required. Refer to the current Rate Schedule and Truth-in-Savings Disclosure for complete account terms, conditions, and rate information. Federally insured by NCUA.
Additional insurance of up to $750,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company. Your deposits are insured up to $1,000,000 through a combination of up to $250,000 federal insurance provided by the NCUA and up to $750,000 private insurance from ESI.