Best Money Market Rates in Indiana - July 2026
Brian McKay
Brian McKay
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Current Indiana money market deposit account rates include Hoosier Hills Credit UnionHoosier Hills Credit Union630 Lincoln Ave, Bedford, IN 47421 2116A5.0 ★Texas Ratio: 8.66% High Yield Money Market at 4.05% APY, Interra Credit UnionInterra Credit Union300 W Lincoln Ave, Goshen, IN 46526A+5.0 ★Texas Ratio: 1.62% Business LINked Money Market Share Account at 4.03% APY, TruistTruist4210 Charlestown Rd, New Albany, IN 47150A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, United Federal Credit UnionUnited Federal Credit Union4840 N Main St, Mishawaka, IN 46545A+5.0 ★Texas Ratio: 3.13% Money Market Special at 4.00% APY, and The Huntington National BankThe Huntington National Bank108 E Main St, Danville, IN 46122A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% 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 Indiana side-by-side. Indiana money market rates currently reach as high as 4.05% APY from Hoosier Hills Credit Union at 630 Lincoln Ave, Bedford, IN 47421 2116. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Indiana and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Indiana
Rates effective as of 7/6/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Qualifications Required: Have at least one checking account and it must be in good standing; Be enrolled in Interra Online Banking; Elect to receive e-Statements.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Qualifications Required: Maintain the daily balance of at least $10,000 for a LINked MMSA; Have an Interra Credit Union checking account in good standing; Be enrolled in Online Banking; Enroll in e-Statements and receive e-Statement notices to a valid email address.; Rates effective as of 4/1/26 and subject to change without notice. Tiered rate account. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account.
Introductory rate for the first six months.
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.
Rates effective as of 7/6/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Account Balance: $1,000,000.00-$2,999,999.99
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Rates are based on 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. 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). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Special rate.
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
Tier 1
Dividend Distribution: Monthly
3.09% with a daily balance of $1,000,000 or less; 3.64% with a daily balance above $1,000,000; $5 monthly maintenance fee; $4,000 average daily balance to avoid fee; ATM surcharge rebate Up to $10 per month
Rates effective as of 7/6/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
Account Balance: $500,000.00-$999,999.99
Save more with rates up to 3.50% APY and still have flexible access to your money.
Account Balance: $250,000.00-$499,999.99
Account Balance: $100,000.00-$249,999.99
Rates effective as of 7/6/2026. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Dividends are calculated monthly and paid monthly.
3.09% with a daily balance of $1,000,000 or less; 3.64% with a daily balance above $1,000,000; $5 monthly maintenance fee; $4,000 average daily balance to avoid fee; ATM surcharge rebate Up to $10 per month
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Dividend Distribution: Monthly
As High As
Account Balance: $10,000-$99,999.99
$500,000.00
Compounded Monthly
Dividend Distribution: Monthly
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
up to 2.50%
Balance range: $75,000 or more
Balance From: $1,000,000 To: & up Compounding: Monthly
Compounded Monthly
Rates can change daily, Daily compounding
Balance range: $25,000 - $74,999.99
Tier 2
$100,000.00 - $499,999.99
Compounded Monthly
APY1
Rates can change daily, Daily compounding
Compounded Monthly
Balance From: $250,000 To: $999,999.99 Compounding: Monthly
APY1
APY1
Interest Rate: 1.50%; Interest Compounding: Monthly; Interest Credited: Monthly; Minimum Balance to Open Account: $5,000.00
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.
Indiana Money Market Rate Trends
Compare local Indiana 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.
Indiana high-yield MMA rates fell 0.250 points over the past 7 days to 3.070% APY.
Indiana standard MMA rates fell 0.262 points over the past 7 days to 0.482% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Indiana 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 Indiana 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 Indiana. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IN.
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 Indiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Indiana safe?
How often do MMA rates change in Indiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Indiana?
Best Money Market Rates in Indiana
- Hoosier Hills Credit Union
High Yield Money Market — 4.05% APY - Interra Credit Union
Business LINked Money Market Share Account — 4.03% APY - Truist
Small Business Money Market Account — 4.00% APY - United Federal Credit Union
Money Market Special — 4.00% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY
Cities in Indiana
