Best Money Market Rates in Garden Valley, Idaho (ID) - May 2026
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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 Garden Valley, Idaho and the surrounding area money market deposit account rates include Mountain America Federal Credit UnionMountain America Federal Credit Union292 Village Cir, Garden Valley, ID 83622 8038A5.0 ★Texas Ratio: 11.38% Money market at 3.55% APY, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.00% Money Market at 12.00% APY, CAPITAL EDUCATORSCAPITAL EDUCATORSA5.0 ★Texas Ratio: 7.10% Business Money Market Savings Account at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, and Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit UnionA+5.0 ★Texas Ratio: 4.34% Money Market Account at 3.49% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Garden Valley has 1 local institution in our database, with money market rates as high as 3.55% APY from Mountain America Federal Credit Union at 292 Village Cir, Garden Valley, ID 83622 8038. Use the table below to compare all available offers, including options from institutions serving the broader Idaho area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Garden Valley, Idaho and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Garden Valley, Idaho & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
292 Village Cir, Garden Valley, ID 83622 8038
Money market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
12.00%
$0
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $1,200.00
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.49%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying Bump Rate
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.39%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying Bump Rate
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying Bump Rate
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings
3.01%
$50
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings*
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Money Market Plus Savings
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Check out our Money Market Plus New Money Promo that pays 3.00% APY
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Member Preferred Money Market
2.79%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum $500,000. APY effective 12/2/25
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.58%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying Bump Rate
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.47%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying Bump Rate
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
BUSINESS MONEY MARKET Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Summit National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Premier Money Markets
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Minimum to Open
Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Velocity Money Market
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Premium Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Account
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
BUSINESS MONEY MARKET Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
BUSINESS MONEY MARKET Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.80%
$0
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Platinum Money Market
1.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Velocity Money Market
1.51%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $150,000.00
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Money Market Account
1.51%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Money Market Share Account (MMSA)
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
*Rates Subject to Change
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Premier Money Market Share Account (PMMSA)
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
*Rates Subject to Change
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
BUSINESS MONEY MARKET Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Money Market Plus Savings
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Money market savings balance over $10,000
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
MONEY MARKET
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
1.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
1.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $999,999.99
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Money Market Share Account (MMSA)
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
*Rates Subject to Change
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Premier Money Market Share Account (PMMSA)
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
*Rates Subject to Change
Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $499,999.99
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
BUSINESS MONEY MARKET Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Business Money Market Account
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $99,999.99
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.00%
$0
▼
Rate—
Min Deposit$0
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 Garden Valley, Idaho 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.
Garden Valley, ID Money Market Rate Trends
Compare local Garden Valley, ID 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 — ID Avg
3.070%
Unchanged vs 7 days ago
Idaho high-yield MMA rates currently average 3.070% APY.
Standard MMA — ID Avg
1.372%
Unchanged vs 7 days ago
Idaho standard MMA rates currently average 1.372% 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 Garden Valley, Idaho 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 Garden Valley, Idaho 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 Garden Valley, Idaho. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in ID.
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 Garden Valley, Idaho
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 Idaho.
Are Money Market accounts in Garden Valley, Idaho 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 Idaho up to $250,000 per depositor, per institution.
How often do MMA rates change in Garden Valley, Idaho?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Idaho 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 Garden Valley, Idaho?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Garden Valley, Idaho 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 Garden Valley, Idaho
Here are some of the highest money market account APYs currently available in Garden Valley, Idaho and the surrounding area:
- Mountain America Federal Credit Union
Money market — 3.55% APY - Responders Emergency Services Credit Union
Money Market — 12.00% APY - CAPITAL EDUCATORS
Business Money Market Savings Account — 4.00% APY - America First Federal Credit Union
Money Market — 3.90% APY - Potlatch No 1 Financial Credit Union
Money Market Account — 3.49% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Garden Valley, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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