Money Market Fund Another way to grow your savings, a Money Market Fund is a type of mutual fund that invests in itself. These funds are low-risk and are meant to be used as a place to hold money temporarily before investing elsewhere. It should be noted that are not highly recommend for long-term investment accounts, but are still beneficial to VFCU members. Our current rates: Rate APY 1.49% 1.50% Comments & Restrictions • Dividends paid on balances over $2,500.00. Rates subject to certain requirements, restrictions and service charges.