Castle Rock, Colorado Money Market Rates - October 2026
Brian McKay
Brian McKay
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Castle Rock, Colorado money market account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Castle Rock, Colorado and the surrounding area money market deposit account rates include Meritrust Credit UnionMeritrust Credit Union6355 Promenade Pkwy, Castle Rock, CO 80108A+5.0 ★Texas Ratio: 4.29%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Including Business and IRA at 4.00% APY, US BankUS Bank7284 Lagae Rd, Castle Rock, CO 80108A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Westerra Credit UnionWesterra Credit Union4625 Trail Boss Dr, Castle Rock, CO 80104 2803A+5.0 ★Texas Ratio: 3.20%Real return: +0.45%APY minus 2.8% CPI (February 2026) Business Money Market Select at 3.25% APY, Bellco Credit UnionBellco Credit Union4611 Milestone Ln, Castle Rock, CO 80104A5.0 ★Texas Ratio: 9.71%Real return: +0.45%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.25% APY, and Wings Credit UnionWings Credit Union190 S Wilcox St Ste G, Castle Rock, CO 80104A+5.0 ★Texas Ratio: 4.15%Real return: -1.20%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 1.60% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Castle Rock has 8 local institutions in our database, with money market rates as high as 4.00% APY from Meritrust Credit Union at 6355 Promenade Pkwy, Castle Rock, CO 80108. Use the table below to compare all available offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Castle Rock, Colorado and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Castle Rock, Colorado & the Surrounding Area
Balance: $0.00 - $2,000
Balance: $0.00 - $2,000; Dividends paid monthly; Checks available; Limit 1 reverse tiered money market account per primary owner
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $250,000+; If requirements are met
Requirements met; Balance: $250,000+
Balance: $50,000.01-$100,000
Balance: $50,000-$99,999.99
Balance: $50,000.00 and over
Balance: $50,000-$99,999.99; If requirements are met
Requirements met; Balance: $50,000-$99,999.99
Balance: $10,000.01-$24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $49,999.99
Balance: $25,000-$49,999.99; If requirements are met
Requirements met; Balance: $25,000-$49,999.99
Balance: $1,000.00 - $9,999.99
Balance: $250,000 and over; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Up to 2.25% APY; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $0-$50,000
Balance: $100,000.00 - $249,999.99; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $1,000-$9,999.99; If requirements are met
Requirements met; Balance: $1,000-$9,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000.00 And Above
Balance: $5,000,000 or more
Balance: $1,000,000 to $4,999,999.99
Balance: $100,000 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $250,000 to $999,999.99
- Oct 14, 20261.26%▲ from 1.15%
- Sep 18, 20261.15%first recorded
Balance: $250,000 and over
Balance: $50,000 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $100,000-$249,999.99
Balance: $50,000-$99,999.99
Balance: $50,000-$99,999.99
Balance: $25,000-$49,999.99
Balance: $25,000 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $100,000 to $249,999.99
- Oct 14, 20260.79%▲ from 0.69%
- Sep 18, 20260.69%first recorded
Balance: $25,000-$49,999.99
Balance: $10,000-$24,999.99
Balance: $10,000-$24,999.99
Balance: $1,000-$9,999.99
Balance: $10,000 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $0-$4999.99
Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000
Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000; Dividends paid monthly; Checks available; Limit 1 reverse tiered money market account per primary owner
Balance: $25,000 to $99,999.99
- Oct 14, 20260.31%▲ from 0.21%
- Sep 18, 20260.21%first recorded
Balance: $0.01 to $24,999.99
- Oct 14, 20260.21%▲ from 0.11%
- Sep 18, 20260.11%first recorded
Balance: $5,000 - $9,999.99
Balance: $2,500.00 - $9,999.99
Balance: $0 - $4,999.99
Balance: $0 - $2,499.99
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Silver Tier (Average Eligible Balance $25,000 to $99,999.99) Interest Rate Boost
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMA0926; Apply online or contact KeyBank by 11/4/2026; Requires $5,000 balance growth; Bring at least $5,000 to Key
Balance: $0.00 - $2,499.99; 6-month bonus rate; Bring at least $25,000 to Key; Offer Code VRMB0926; Apply online with this code or contact us to apply to existing account by 11/4/2026; Rate may vary by booking location; Standard or relationship rates apply after bonus period
Balance: $100,000.00 - $249,999.99
Balance: All balance tiers; If requirements are not met
Requirements not met; Balance: All balance tiers
Balance: $1.00 - $9,999.99
Balance: $0 to $9,999.99; Rates for ZIP 55402; valid on new Elite Money Market accounts or accounts open less than 30 days
Balance: $0.00 - $2,000.00
Balance: $1,000+; minimum balance to earn the advertised APY is $1,000; APY is variable and subject to change; interest compounded daily and paid monthly
Balance: $24,999.01 & Above
Balance: $1,000,000.00 to $2,999,999.99
Promotional introductory rate for 6 months on a new Premier Money Market account; requires minimum $15,000 new money to Academy Bank that cannot be transferred from an existing Academy Bank account; maximum deposit eligible for promotional rate $3,000,000; APY accurate as of 10/14/2026; rate may change after account is opened
Balance: $500,000 -$999,999.99
Balance: $100,000 - $499,999.99
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
Balance: $25,000 - $99,999.99
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $250,000 to $999,999.99
Balance: $0 -$24,999.99
Balance: $500,000 plus
- Sep 24, 20263.10%▲ from 2.89%
- Sep 19, 20262.89%first recorded
Balance: $24,999.00 & Below
Balance: $500,000 and over; $1,000 minimum to open
Balance: $200,000 - $499,999.99
- Sep 24, 20262.80%▲ from 2.60%
- Sep 19, 20262.60%first recorded
Balance: $100,000 to $249,999.99; No minimum to open; Rates apply for personal accounts only
Maximum Deposit $3,000,000
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Balance: $25,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Money Market Account; variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above currently earn 0.25% APY; Balances below $25,000.00 do not earn interest and may be subject to a $25.00 monthly maintenance fee
Balance: $100,000 plus
- Sep 24, 20262.65%▲ from 2.40%
- Sep 19, 20262.40%first recorded
Balance: $100,000 - $199,999.99
- Sep 24, 20262.65%▲ from 2.40%
- Sep 19, 20262.40%first recorded
Balance: all balances over $750,000.00
Balance: $25,000 and above
Balance: $50,000 - $99,999.99
- Sep 24, 20262.50%▲ from 2.30%
- Sep 19, 20262.30%first recorded
Balance: $250,000 - $999,999.99
- Oct 3, 20262.35%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Published APY range: 2.33% to 3.67%. Balance: $1,000,000.00 and up
Balance: $250,000 to $499,999.99; $1,000 minimum to open
Balance: $50,000 to $99,999.99; No minimum to open; Rates apply for personal accounts only
Balance: $250,000.00 & Above
Balance: $100,000 to $249,999.99; $1,000 minimum to open
Balance: all balances of $250,000 to $749,999
Balance: $1,000,000 & higher
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.
Castle Rock, CO Money Market Rate Trends
Compare local Castle Rock, CO 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 fell 0.002 points over the past 7 days to 3.224% APY.
Colorado standard MMA rates fell 0.008 points over the past 7 days to 0.769% APY.
Castle Rock, 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 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 CO high-yield money market average of 3.224% 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 Castle Rock, Colorado.
Money Market Account Earnings in Castle Rock, 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 (3.224% APY) | Monthly Earnings | Standard MMA (0.769% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $322.37 / year | $26.86 | $76.89 / year | $6.41 |
| $25,000 | $805.93 / year | $67.16 | $192.23 / year | $16.02 |
| $50,000 | $1,611.85 / year | $134.32 | $384.45 / year | $32.04 |
| $100,000 | $3,223.70 / year | $268.64 | $768.90 / year | $64.08 |
| 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: Castle Rock, Colorado money market rate averages as of October 14, 2026. | ||||
About Our Castle Rock, Colorado Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Castle Rock (4 banks, 4 credit unions), plus 38 additional state-chartered and national online institutions available to Castle Rock residents. 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: Meritrust Credit Union offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Castle Rock, Colorado.
How to Find the Best Money Market Rates in Castle Rock, Colorado
What to compare when shopping for a money market account in Castle Rock, Colorado
To find the best money market APYs in Castle Rock, Colorado, start with credit unions and online-only banks: Castle Rock, Colorado has 25 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 CO high-yield money market average is 3.224% 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. Castle Rock, Colorado high-yield money market rates currently average 3.224% 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 Castle Rock, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 46 institutions in Castle Rock, 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 Castle Rock, Colorado CD rates
- You don’t need check writing and want a lower minimum Castle Rock, Colorado savings rates
- You need daily transaction access Castle Rock, Colorado checking rates
Castle Rock, Colorado Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.4% of residents are 65 or older, below the national average of 17.3%. At today’s CO high-yield money market average of 3.224%, saving 10% of the local median salary ($6,439/year) would earn an additional $208 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Castle Rock, Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Castle Rock, Colorado.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 3.224% | View Savings Rates | 0.769%(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 Castle Rock, Colorado averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado
At CO’s top money market rate of 4.00% from Meritrust 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 Castle Rock, Colorado earner is roughly $16,100. At 3.224% APY in a money market account, saving $1,340/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 3.224% 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 Castle Rock, Colorado earner makes $64,394/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.224% APY.
Retirement PlannerA $25,000 money market balance earning 3.224% APY grows to roughly $47,155 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, 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 Castle Rock, Colorado
What is a Money Market Account (MMA)?
Are Money Market accounts in Castle Rock, Colorado safe?
How often do MMA rates change in Castle Rock, Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Castle Rock, 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 Castle Rock, Colorado for money market accounts?
Best Money Market Rates in Castle Rock, Colorado
- Meritrust Credit Union
Money Market Including Business and IRA: 4.00% APY - US Bank
Elite Money Market Account: 3.40% APY - Westerra Credit Union
Business Money Market Select: 3.25% APY - Bellco Credit Union
Business Money Market Account: 3.25% APY - Wings Credit Union
Business Money Market Savings: 1.60% APY
Castle Rock, Colorado Rates & Resources
