Best Money Market Rates in District Of Columbia - July 2026
Brian McKay
Brian McKay
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Current District Of Columbia money market deposit account rates include TruistTruist1100 G St Nw, Washington, DC 20005A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, Transit Employees Federal Credit UnionTransit Employees Federal Credit Union2440 Market St NE Ste 901, Washington, DC 20018A+5.0 ★Texas Ratio: 2.11% Paramount Money Market at 3.75% APY, Presidential BankPresidential Bank1660 K St Nw, Washington, DC 20006A5.0 ★Texas Ratio: 9.69% Money Market Advantage Checking at 3.50% APY, Citizens BankCitizens Bank1401 I St Nw, Washington, DC 20005A5.0 ★Texas Ratio: 8.28% Citizens Private Client Money Market at 3.50% APY, and Democracy Federal Credit UnionDemocracy Federal Credit Union550 C St SW, Washington, DC 20024 2572A+5.0 ★Texas Ratio: 3.25% Money Market Account at 2.65% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across District Of Columbia side-by-side. District Of Columbia money market rates currently reach as high as 4.00% APY from Truist at 1100 G St Nw, Washington, DC 20005. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in District Of Columbia and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in District Of Columbia
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000.
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
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Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
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APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal.
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APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earning on the account. Penalty may be imposed for early withdrawal.
Average daily balance: $250,000 & Over
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
Average daily balance: $100,000 - $149,999
Average daily balance: $50,000 - $74,999
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Dividends Compounded and Credited: Monthly Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures. Fees: Refer to Service Fees. Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.
Average daily balance: $25,000 - $49,999
Average daily balance: $10,000 - $24,999
Average daily balance: Up to $2,499
Tier: $50,000 and more
FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Dividends Compounded and Credited: Monthly Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures. Fees: Refer to Service Fees. Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.
FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Dividends Compounded and Credited: Monthly Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures. Fees: Refer to Service Fees. Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.
FedPerks = FedPerks Members earn an .10% bonus when they are part of the program. Dividends Compounded and Credited: Monthly Balance Method: Average Daily Balance, Limitations: Refer to Membership and Account Agreement including Disclosures. Fees: Refer to Service Fees. Any APY (Annual Percentage Yield) provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account. All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Administration(NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.
Annual Balance Range: $100,000 > Above
Tier: $20,000 - 49,999.99
Tier: $2,500 - 19,999.99
Tier: $0.01 - 2,499.99
Annual Balance Range: $50,000 - $99,999
Balance: $50,000+
Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over
Standard rates; Must have a Citizens Private Client® Checking account.
Standard rates; Requires a Citizens Quest® Checking account.
Standard rates; Monthly maintenance fees $0 or $10; Keep a minimum daily balance of at least $2,500 to waive the fee.
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.
District Of Columbia Money Market Rate Trends
Compare local District Of Columbia 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.
District Of Columbia high-yield MMA rates fell 0.008 points over the past 7 days to 3.046% APY.
District Of Columbia standard MMA rates rose 0.223 points over the past 7 days to 1.866% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our District Of Columbia 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 District Of Columbia 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 District Of Columbia. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in DC.
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 District Of Columbia
What is a Money Market Account (MMA)?
Are Money Market accounts in District Of Columbia safe?
How often do MMA rates change in District Of Columbia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in District Of Columbia?
Best Money Market Rates in District Of Columbia
- Truist
Small Business Money Market Account — 4.00% APY - Transit Employees Federal Credit Union
Paramount Money Market — 3.75% APY - Presidential Bank
Money Market Advantage Checking — 3.50% APY - Citizens Bank
Citizens Private Client Money Market — 3.50% APY - Democracy Federal Credit Union
Money Market Account — 2.65% APY
Cities in District Of Columbia
