The Money Market Share Account requires no maturity timeframe like a certificate or IRA, and gives easy access to money with competitive dividend rates and no penalties for early withdrawal. Balance greater than $2,000 must be maintained to avoid low-balance fee. Up to 6 transactions can be made per month with no more than three may be drafts clearing the account in a month. The first order of 50 checks is free. Funds are automatically insured to $250,000 by the National Credit Union Administration, a U.S. government agency, for free.