The Money Market account gives you a unique combination of benefits. It pays a higher yield than the Basic Membership Savings account and keeps your money liquid with three free withdrawals per month. Or, you can order checks to access your Money Market account and can write up the three checks per month. Only $1,000 is required to open and maintain your Money Market account, and a monthly service fee of $5.00 will be charged if your account balance falls below $1,000. Dividends on the Money Market account are calculated daily as on other savings, but are paid monthly. ATM access is not available on this account, but it can be used for Overdraft Protection.