Arizona Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Arizona money market account rates range from 1.55% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Arizona money market deposit account rates include Nuvision Federal Credit UnionNuvision Federal Credit Union5000 E McDowell Rd, Mesa, AZ 85215 9707A+5.0 ★Texas Ratio: 3.84%Real return: +1.20%APY minus 2.8% CPI (February 2026) Advantage Choice Money Market at 4.00% APY, Pima Federal Credit UnionPima Federal Credit Union3730 N Stone Ave, tucson, AZ 85705 3204A+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Vantage West Credit UnionVantage West Credit Union2222 S Craycroft Rd, Tucson, AZ 85711 6626A+5.0 ★Texas Ratio: 5.26%Real return: +1.20%APY minus 2.8% CPI (February 2026) Launch Money Market at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ 85212 2138A5.0 ★Texas Ratio: 8.33%Real return: +1.10%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 3.90% APY, and First Internet Bank of IndianaFirst Internet Bank of Indiana51 W 3rd St, Tempe, AZ 85281A5.0 ★Texas Ratio: 10.17%Real return: +1.08%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 3.88% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Arizona side-by-side. Arizona money market rates currently reach as high as 4.00% APY from Nuvision Federal Credit Union at 5000 E McDowell Rd, Mesa, AZ 85215 9707. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Arizona and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Arizona
Balance: $0 -$1,000
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $0 - $1,000.00
Current promo rate as high as 4.00% APY* for 6 months. Keep access to funds while enjoying high returns. Let your savings take off. Big balances get even better rates without locking up your funds. Promotion runs from August 1, 2026, to November 30, 2026. To qualify for the six (6) months promotional 4.00% APY, you must open a new High Yield Money Market (HYMM) using new money (external funds - monies from accounts other than Vantage West or affiliate institutions). After the six (6) month promotional period, the rate will revert to the current standard variable rate offered based on the amount in the account at the time of expiration of the promotional period. The minimum opening deposit for the HYMM is $10,000.00 and must be funded with external funds within ten (10) business days of account opening. Accounts not funded within this timeframe may be closed. The account must maintain a $500.00 minimum balance to remain open. If you do not meet the qualification requirements, the standard dividend rate and APY will apply to your account. This promotion cannot be combined with any other promotional offers, rate enhancements, or relationship pricing. Members must remain in good standing throughout the promotional period to retain eligibility for the promotional rate. Business HYMM accounts are not eligible. Employees and Board Members are not eligible for this promotion. Please see Truth in Savings Bonus Addendum for terms and conditions. Vantage West reserves the right to modify or cancel this promotion at any time without prior notice. Membership Required. All accounts are subject to approval. Certain restrictions may apply. Federally insured by NCUA.
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $1,000,000.00+; Open Online
- Oct 13, 20263.90%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance Optimizer
Balance: above $5,000,000
- Sep 30, 20263.88%▲ from 3.64%
- Sep 9, 20263.64%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: $1,000,000 and above; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Balance: $1,000,000 and above; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Introductory rate for 6 months. New money to Academy Bank required. Maximum deposit eligible for promotional rate is $3,000,000. Monthly service charge of $10 applies if minimum balance of $1,000 is not maintained.
Balance: $1,000,000 and over
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: >$1,000,000
- Oct 7, 20263.57%▲ from 3.31%
- Sep 18, 20263.31%first recorded
Balance: $24,999.00 & Below
- Oct 7, 20263.52%▲ from 3.02%
- Oct 2, 20263.02%▼ from 3.52%
- Sep 24, 20263.52%▲ from 3.02%
- Sep 18, 20263.02%▼ from 3.05%
Balance: $100,000 - $249,999.99
Balance: $500,000.00 - or more
Balance: $250,000 - $999,999.99
- Oct 9, 20263.45%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $250,000.00-$999,999.99; Open Online
- Oct 13, 20263.45%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $25,000 - $49,999.99
All Balances
Balance: $250,000.00 - $499,999.99
Balance: $1,000,000+; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.40%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $150,000.00 - $249,999.99
Balance: $100,000.00 - $149,999.99
Balance: $125,000 and up
Balance: $0 - $99,999.99
Rates increase as balance increases
Balance: $50,000.00 - $99,999.99
Balance: $250,000 - $999,999
- Oct 5, 20263.25%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $250,000.00 and up
Balance: $500,000 to $999,999.99; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.25%▲ from 3.00%
- Sep 27, 20263.00%first recorded
Balance: $500,000 to $999,999.99; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.25%▲ from 3.00%
- Sep 27, 20263.00%first recorded
Balance: $50,000+
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Annual Percentage Yield: 3.09% with a daily balance of $1,000,000 or less; Interest rate: 3.05% with a daily balance of $1,000,000 or less; Monthly maintenance fee: $5; Average daily balance to avoid fee: $4,000; ATM surcharge rebate Up to $10 per month: YES
- Oct 6, 20263.09%▼ from 3.88%
- Sep 30, 20263.88%first recorded
Supercharge your piggy bank. More interest means more savings - it's just that simple with our FDIC-insured*, high-interest Money Market accounts.
Balance: $400k - $999,999.99
- Oct 7, 20263.08%▲ from 2.82%
- Sep 18, 20262.82%first recorded
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Balance: $750,000 - $999,999.99; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20263.05%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
Balance: $25,000.00 to $99,999.99
Balance: $100,000.00-$124,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000 - $49,999.99
(1)
Balance: $100,000.00 - $249,999.99
Balance: $125,000 and up
Balance: $1,000,000+; Compounding Period: Quarterly
Balance: $150,000 to $499,999.99; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.00%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: $250,000 to $499,999.99; Dividends will be compounded every day. Dividends will be credited to your account every month.
- Oct 6, 20263.00%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: $5,000,000 or below
- Sep 30, 20262.94%▼ from 3.64%
- Sep 9, 20263.64%first recorded
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $500,000 - $749,999.99; Minimum balance $20,000 to earn stated rate; Rate may change after account is opened
- Oct 13, 20262.90%▲ from 1.85%
- Sep 14, 20261.85%first recorded
Balance: $1,000,000+
Balance: $1,000,000+
Balance: $500,000-$999,999
Balance: $500,000-$999,999
Balance: $250,000.00 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
(1)
Balance: $250,000-$499,999
Balance: $250,000-$499,999
Balance: $25,000 and above
Balance: $100k - $399,999.99
- Oct 7, 20262.34%▲ from 2.08%
- Sep 18, 20262.08%first recorded
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $1,000,000 & higher
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge
Balance: Any balance up to $24,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $250,000 - $499,999. $1,000 minimum to avoid $10 monthly service charge
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Arizona Money Market Rate Trends
Compare local Arizona money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arizona high-yield MMA rates currently average 3.172% APY.
Arizona standard MMA rates fell 0.022 points over the past 7 days to 0.750% APY.
Arizona Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current AZ high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current AZ high-yield money market average of 3.172% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Arizona.
Money Market Account Earnings in Arizona
Annual interest earnings at current AZ average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.172% APY) | Monthly Earnings | Standard MMA (0.750% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.23 / year | $26.44 | $74.97 / year | $6.25 |
| $25,000 | $793.08 / year | $66.09 | $187.43 / year | $15.62 |
| $50,000 | $1,586.15 / year | $132.18 | $374.85 / year | $31.24 |
| $100,000 | $3,172.30 / year | $264.36 | $749.70 / year | $62.48 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Arizona money market rate averages as of October 13, 2026. | ||||
About Our Arizona Money Market Rate Database
MonitorBankRates tracks 38 money market rates from 15 banks and 23 credit unions offering money market deposit accounts to Arizona residents, including community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Nuvision Federal Credit Union offers a money market account at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Arizona.
How to Find the Best Money Market Rates in Arizona
What to compare when shopping for a money market account in Arizona
To find the best money market APYs in Arizona, start with credit unions and online-only banks: Arizona has 23 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current AZ high-yield money market average is 3.172% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Arizona high-yield money market rates currently average 3.172% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Arizona institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 38 institutions in Arizona report money market rates to our database.
- You’re among Arizona’s 18.9% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Arizona CD rates
- You don’t need check writing and want a lower minimum Arizona savings rates
- You need daily transaction access Arizona checking rates
Arizona Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ high-yield money market average of 3.172%, saving 10% of the local median salary ($4,547/year) would earn an additional $144 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Arizona Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Arizona.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AZ Avg APY | 3.172% | View Savings Rates | 0.750%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Arizona averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Arizona Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Arizona rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Arizona
At AZ’s top money market rate of 4.00% from Nuvision Federal Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Arizona earner is roughly $11,400. At 3.172% APY in a money market account, saving $950/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountArizona’s high-yield money market average is 3.172% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Arizona earner makes $45,474/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.172% APY.
Retirement PlannerA $25,000 money market balance earning 3.172% APY grows to roughly $46,688 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arizona money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Arizona directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Arizona. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in AZ.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Arizona
What is a Money Market Account (MMA)?
Are Money Market accounts in Arizona safe?
How often do MMA rates change in Arizona?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Arizona?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Arizona for money market accounts?
Best Money Market Rates in Arizona
- Nuvision Federal Credit Union
Advantage Choice Money Market: 4.00% APY - Pima Federal Credit Union
Business Money Market: 4.00% APY - Vantage West Credit Union
Launch Money Market: 4.00% APY - America First Federal Credit Union
Business Money Market Savings: 3.90% APY - First Internet Bank of Indiana
Business Money Market Savings: 3.88% APY
Arizona Rates & Resources
Cities in Arizona
