Colorado Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Colorado money market deposit account rates include Credit Union of The RockiesCredit Union of The Rockies1010 Johnson Rd Ste 120, Golden, CO 80401 6041A5.0 ★Texas Ratio: 6.48%Real return: +50.00%APY minus 2.8% CPI (February 2026) Giddy Up Money Market at 52.80% APY, Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union8205 Wellington Blvd, Wellington, CO 80549A+5.0 ★Texas Ratio: 3.53%Real return: +3.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 6.00% APY, SunwardSunward22 Town Plz, Durango, CO 81301 5104A+5.0 ★Texas Ratio: 2.68%Real return: +2.24%APY minus 2.8% CPI (February 2026) Power Money Market Account at 5.04% APY, Premier Members Credit UnionPremier Members Credit Union5505 Arapahoe Ave, Boulder, CO 80303A+5.0 ★Texas Ratio: 3.43%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money market accounts at 4.00% APY, and Bankers Bank of the WestBankers Bank of the West1099 18th St, Denver, CO 80202A5.0 ★Texas Ratio: 6.05%Real return: +1.17%APY minus 2.8% CPI (February 2026) Money Market Deposit Account at 3.97% APY. Money market rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Colorado side-by-side. Colorado money market rates currently reach as high as 52.80% APY from Credit Union of The Rockies at 1010 Johnson Rd Ste 120, Golden, CO 80401 6041. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Colorado and surrounding area. Last Updated and Verified: September 21, 2026
Compare the Best Money Market Rates Today in Colorado
Balance: $0 - $500
Balance: $0.00 - $2,000.00
Balance: $1.00 - $2,500.00
Earn 4.00% APY* on your first $2,000.
Balance: $0.00 - $2,000
Balance: $0
Maximum Amount: $20,800,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account
Balance: Paid on balances $1,000,000.00 to $2,999,999.99
Balance: $250,000.00 and Greater
Promotional rate is effective for 6 months from the opening date of a new Premier Money Market account. To receive the introductory rate, account must be opened with a minimum of $15,000 required that cannot be transferred from an existing Academy Bank account. Maximum deposit eligible for promotional rate is $3,000,000. The rate may change after the account is opened. Fees charged to the account could reduce the earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid. The interest rate and annual percentage yield is subject to change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. You can receive free eStatements or $5 paper statements with this account. Closing new accounts within 90 days of opening will result in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Balance: $100,000 & above; New money only
Balance: $100,000 & above; New money only
Balance: $70,000.00 or greater
Balance: $24,999.01 & Above
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000.00 - $999,999.99. Annual Percentage Yield (APY) is valid as of 09/18/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply.
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000+
Balance: $250,000+; If requirements*** are met, the following rate will apply
Balance: $50,000+
Balance: $50,000.01-$100,000
Balance: $50,000-$99,999.99
Balance: $2,500.01 - $5,000.00
Balance: $24,999.00 & Below
Minimum daily balance of $1,000 required to earn dividends. Dividends compounded and paid monthly.
Balance: $50,000-$99,999.99
Balance: $50,000-$99,999.99; If requirements*** are met, the following rate will apply
Balance: $35,000 - $69,999.99
Balance: $250,000+
Balance: $500,000 - $999,999.99
Balance: $200,000 and up
Balance: $500,000 plus
Balance: $500,000+
Balance: $100,000.00 - $249,999.99. Annual Percentage Yield (APY) is valid as of 09/18/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply.
Balance: $15,000 and over
Maximum Deposit $3,000,000. To learn more, call (303) 694-6464 or refer to our Contact Us page for more information about our Time Deposits.
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $250,000 - $999,999.99 Regular MM
Balance: $100,000 - $249,999.99
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Avoid a monthly maintenance fee when you have an average daily balance of $25,000 or when you have either a Perks Checking or Platinum Perks Checking account; otherwise $25. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Annual percentage yield (APY) and interest rates accurate as of May 19, 2026. The special interest rate for the Huntington Relationship Money Market Account (HRMMA) with balances between $25,000.00 to $2,000,000.99 is between 2.67%-3.69% with an APY between 2.70% APY- 3.75 % based on your zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% APY. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as
Balance: $250,000 and over
Balance: $10,000-$49,999.99
Balance: $10,000-$24,999.99
Balance: $10,000.01-$24,999.99
Balance: $200,000 - $499,999.99
Balance: $250,000+
Balance: Paid on all balances over $750,000.00
Balance: $25,000 and above
Balance: $100,000 - $249,999.99
Balance: $25,000-$49,999.99
Balance: $25,000-$49,999.99; If requirements*** are met, the following rate will apply
Balance: $250,001+
Balance: $250,000+
Balance: $100,000 to $249,999.99
Balance: $100,000 plus
Balance: $100,000 - $199,999.99
Balance: $1,000-$9,999.99
Balance: $100,000.000 or greater
Published APY range: 2.33% to 3.67%. Balance: $1,000,000.00 and up
Balance: $200,000
Balance: $250,000 to $499,999.99
Balance: $50,000 - $99,999.99
Balance: $100,000 - $199,999
Balance: $50,000.00 - $99,999.99. Annual Percentage Yield (APY) is valid as of 09/18/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply.
Balance: $250,000.00 & Above
Balance: $250,000 and over
Balance: $0-$50,000
Balance: $100,000 - $249,999.99
Balance: $50,000-$249,999
Balance: $200,000
Balance: $45,000 - $99,999.99
Balance: $100,000 - $199,999
Balance: $50,000+
Balance: $50,000 - $99,999
Balance: $100,000 to $249,999.99
Balance: $5,000.01 - $10,000.00
Balance: Paid on all balances of $250,000 to $749,999
Balance: $100,000.00 - $249,999.99
Balance: $1,000,000 & higher
Minimum Balance to Avoid Service Charge: $1,000
Balance: $10,000 - $49,999.99
Balance: $50,000 to $99,999.99
Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026
Balance: Any balance up to $24,999.99
Published APY range: 1.61% to 2.33%. Balance: $500,000.00 - $999,999.99
Published APY range: 1.61% to 3.71%. Balance: $500,000.00 and up
Balance: $5,000,000 or more
Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026
Balance: $50,000.00 - $99,999.99
Minimum Balance to Avoid Service Charge: $1,000
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.
Colorado Money Market Rate Trends
Compare local Colorado 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.
Colorado high-yield MMA rates rose 0.023 points over the past 7 days to 3.060% APY.
Colorado standard MMA rates fell 0.021 points over the past 7 days to 0.732% APY.
Colorado Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current CO high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 CO high-yield money market average of 3.060% 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 60–90 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 Colorado.
Money Market Account Earnings in Colorado
Annual interest earnings at current CO 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 (3.060% APY) | Monthly Earnings | Standard MMA (0.732% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.00 / year | $25.50 | $73.15 / year | $6.10 |
| $25,000 | $765.00 / year | $63.75 | $182.88 / year | $15.24 |
| $50,000 | $1,530.00 / year | $127.50 | $365.75 / year | $30.48 |
| $100,000 | $3,060.00 / year | $255.00 | $731.50 / year | $60.96 |
| 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: Colorado money market rate averages as of September 22, 2026. | ||||
About Our Colorado Money Market Rate Database
MonitorBankRates tracks 46 money market rates from 19 banks and 27 credit unions offering money market deposit accounts to Colorado 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 (1–5), 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: Credit Union of The Rockies offers a money market account at 52.80% APY. Use the rate table above to compare all current offers in Colorado.
How to Find the Best Money Market Rates in Colorado
What to compare when shopping for a money market account in Colorado
To find the best money market APYs in Colorado, start with credit unions and online-only banks: Colorado has 27 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–$25,000, with lower rates (or monthly fees) below that threshold. The current CO high-yield money market average is 3.060% but top local institutions are offering as high as 52.80%, 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. Colorado high-yield money market rates currently average 3.060% 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 Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 46 institutions in Colorado report money market rates to our database.
- 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 → Colorado CD rates
- You don’t need check writing and want a lower minimum → Colorado savings rates
- You need daily transaction access → Colorado checking rates
Colorado Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.6% of residents are 65 or older, below the national average of 17.3%. At today’s CO high-yield money market average of 3.060%, saving 10% of the local median salary ($5,216/year) would earn an additional $160 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Colorado.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 3.060% | View Savings Rates | 0.732%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Colorado averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Colorado 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 Colorado 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 Colorado
At CO’s top money market rate of 52.80% from Credit Union of The Rockies, a $10,000 deposit earns $5,280 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Colorado earner is roughly $13,000. At 3.060% APY in a money market account, saving $1,090/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountColorado’s high-yield money market average is 3.060% 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 Colorado earner makes $52,167/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.060% APY.
Retirement PlannerA $25,000 money market balance earning 3.060% APY grows to roughly $45,682 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 Colorado 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 Colorado 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 Colorado. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in CO.
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 Colorado
What is a Money Market Account (MMA)?
Are Money Market accounts in Colorado safe?
How often do MMA rates change in Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Colorado?
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 Colorado for money market accounts?
Best Money Market Rates in Colorado
- Credit Union of The Rockies
Giddy Up Money Market: 52.80% APY - Meridian Trust Federal Credit Union
Momentum Money Market: 6.00% APY - Sunward
Power Money Market Account: 5.04% APY - Premier Members Credit Union
Money market accounts: 4.00% APY - Bankers Bank of the West
Money Market Deposit Account: 3.97% APY
Cities in Colorado
