Best Money Market Rates in Golden, Colorado (CO) - May 2026
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Golden, Colorado and the surrounding area money market deposit account rates include Sunflower BankSunflower Bank615 24th St, Golden, CO 80401A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, On Tap Credit UnionOn Tap Credit Union816 Washington Ave, Golden, CO 80401A5.0 ★Texas Ratio: 9.08% Business Money Market Accounts at 2.75% APY, Credit Union Of ColoradoCredit Union Of Colorado1800 Jackson St, Golden, CO 80401A+5.0 ★Texas Ratio: 4.15% Business Money Market at 2.50% APY, Space Age Credit UnionSpace Age Credit Union2433 Ford St, Golden, CO 80401A5.0 ★Texas Ratio: 12.16% Mega Money Market at 1.92% APY, and Independent Bank Mckinney, TXIndependent Bank Mckinney, TX16800 W Colfax Ave, Golden, CO 80401A+5.0 ★Texas Ratio: 2.30% Business Money Markets at 0.50% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
Golden has 6 local institutions in our database, with money market rates as high as 3.45% APY from Sunflower Bank at 615 24th St, Golden, CO 80401. Use the table below to compare all available offers, including options from institutions serving the broader Colorado area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Golden, Colorado and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in Golden, Colorado & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
615 24th St, Golden, CO 80401
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
615 24th St, Golden, CO 80401
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Money Market Accounts
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Regular MM
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account Regular MM
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Money Market Accounts
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Money Market Plus
2.50%
$100,000
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Money Market
2.50%
$100,000
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Space Age Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
2433 Ford St, Golden, CO 80401
Mega Money Market
1.92%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Space Age Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
2433 Ford St, Golden, CO 80401
Jumbo Money Market
1.81%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Money Market
1.50%
$50,000
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Money Market Plus
1.50%
$50,000
▼
Rate1.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Space Age Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.16%
2433 Ford St, Golden, CO 80401
Premier Money Market
1.36%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Money Market Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Money Market Accounts
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Money Market
1.00%
$25,000
▼
Rate1.00%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Money Market Plus
1.00%
$25,000
▼
Rate1.00%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
Business Money Market Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Money Market
0.75%
$10,000
▼
Rate0.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Money Market Plus
0.75%
$10,000
▼
Rate0.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Business Money Market
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1800 Jackson St, Golden, CO 80401
Money Market Plus
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
IRA Money Market Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave, Golden, CO 80401
money market account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union of The Rockies
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
16800 W Colfax Ave, Golden, CO 80401
Business Money Markets
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Business Money Market
3.67%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
introductory rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only
Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Best in Show Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Business Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Business Premier Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $50,000.00
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Premier Money Market Account
3.25%
$10,000
▼
Rate3.20%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Money Market Select
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
If requirements*** are met, the following rate will apply
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Best in Show Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Elevations Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Business Money Market Account and up
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000,000
Elevations Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Business Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500,000 - $999,999.99
Elevations Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Flex Tier Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Mile High Money Market Accounts Fifth Tier
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Business Premier Money Market Account
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Member Money Market Account
2.70%
$0
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
2.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
Premier Money Market Account
2.70%
$10,000
▼
Rate2.66%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Red Rocks Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
High-Yield Money Marketing Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
as high as
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Business Money Market
2.33%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
2.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $999,999.99
North Valley Bank Thornton, CO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Consumer or Business Tiered Money Market
2.02%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
5Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Money Market personal personal savings money market
2.00%
$1,000
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Grand Valley Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Money Market Account
1.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $249,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
Business Money Market
1.61%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
5Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Money Market personal personal savings money market
1.50%
$1,000
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
Public Funds Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
Personal Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
Business Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.35%
Min Deposit$1
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.29%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
5Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Money Market personal personal savings money market
1.30%
$1,000
▼
Rate1.29%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Golden, Colorado and the surrounding area.
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.
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.
Golden, CO Money Market Rate Trends
Compare local Golden, 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.
High-Yield MMA — CO Avg
3.477%
Unchanged vs 7 days ago
Colorado high-yield MMA rates currently average 3.477% APY.
Standard MMA — CO Avg
1.104%
Unchanged vs 7 days ago
Colorado standard MMA rates currently average 1.104% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Golden, 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 Golden, 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 Golden, 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 Golden, Colorado
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Colorado.
Are Money Market accounts in Golden, Colorado safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Colorado up to $250,000 per depositor, per institution.
How often do MMA rates change in Golden, Colorado?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Colorado rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Golden, Colorado?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Golden, Colorado require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Golden, Colorado
Here are some of the highest money market account APYs currently available in Golden, Colorado and the surrounding area:
- Sunflower Bank
Thrive Money Market — 3.45% APY - On Tap Credit Union
Business Money Market Accounts — 2.75% APY - Credit Union Of Colorado
Business Money Market — 2.50% APY - Space Age Credit Union
Mega Money Market — 1.92% APY - Independent Bank Mckinney, TX
Business Money Markets — 0.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Golden, Colorado. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026
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