Your goals are that much closer
This powerful account earns interest while giving you flexibility when you need it.
What is a Money Market?
A Money Market Account at Zing gives you the best of both worlds—higher interest rates than a regular savings account with easy access to your funds. It’s a great option for savers who want their money to grow while still having flexibility for life’s needs.
Competitive Interest Rates
Earning the most from your savings is important. Our high yield money market saving accounts come with competitive interest rates that help your money work harder for you. Enjoy higher returns compared to traditional savings accounts.

Flexible Withdrawal Options
Your savings should be accessible when you need them. Our money market savings accounts provide the flexibility to withdraw your funds whenever necessary. Whether you need to cover unexpected expenses or save for a special occasion, your money is readily available.

NCUA Insurance for Peace of Mind
We value the security of your savings. All our money market saving accounts are backed by NCUA insurance. This means your deposits are safeguarded, providing peace of mind knowing your money is protected. Deposits are fully insured up to $250,000.

Learn More About Money Market Accounts on Our Blog!
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Tell us more!
Complete the application form, providing accurate personal information and answering any required questions.
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Set up Direct Deposit
Set up optional direct deposit or automatic transfers to ensure you never forget to save each month.
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Hit your goals
Once your application is approved, you will receive your account details and can start depositing funds into your money market saving account.
Best banking institution I've ever had. Zing Credit Union is an integral and essential tool in conducting all of my financial business.
Resources
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Yes! They are NCUA insured.
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Yes you can access your money at any time, without any withdrawal limits.
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For our current rates please visit our Rates page.
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$2,000 is the minimum balance required.
TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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