Fort Wayne, Indiana Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current Fort Wayne, Indiana and the surrounding area money market deposit account rates include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN9835 Lima Rd, Fort Wayne, IN 46818A+5.0 ★Texas Ratio: 4.87%Real return: +0.95%APY minus 2.8% CPI (February 2026) Money Market Savings at 3.75% APY, Partners 1st Federal Credit UnionPartners 1st Federal Credit Union6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073A+5.0 ★Texas Ratio: 4.04%Real return: +0.85%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.65% APY, Midwest America Federal Credit UnionMidwest America Federal Credit Union801 E Tillman Rd, Fort Wayne, IN 46816 1971A+5.0 ★Texas Ratio: 4.06%Real return: +0.85%APY minus 2.8% CPI (February 2026) Business Gold Money Market at 3.65% APY, Three Rivers Federal Credit UnionThree Rivers Federal Credit Union1605 Northland Blvd, Fort Wayne, IN 46825A+5.0 ★Texas Ratio: 5.45%Real return: +0.20%APY minus 2.8% CPI (February 2026) Jumbo Money Market at 3.00% APY, and STAR Financial BankSTAR Financial Bank215 W Main Street, Fort Wayne, IN 46802A+5.0 ★Texas Ratio: 2.88%Real return: -0.05%APY minus 2.8% CPI (February 2026) Money Market Preferred at 2.75% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Fort Wayne has 12 local institutions in our database, with money market rates as high as 3.75% APY from Horizon Bank Michigan City, IN at 9835 Lima Rd, Fort Wayne, IN 46818. Use the table below to compare all available offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Fort Wayne, Indiana and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Fort Wayne, Indiana & the Surrounding Area
Balance: $99,999.01 or greater; Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.
Balance: $1,000,000+
Dividend Distribution: Monthly
Balance: $49,999.01-$99,999.00; Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.
Balance: $4,999.01-$49,999.00; Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.
Balance: $5,000,000+; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Dividend Distribution: Monthly
Balance: $500,000.00 - $999,999.99
Balance: $100,000 - $2,499,999.99
Balance: $25,000 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $2,000,000 - $4,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $100,000+
Dividend Distribution: Monthly
Dividend Period: Monthly; Balance: $150,000 and over
Balance: $500,000 - $1,999,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $250,000 - $499,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $100,000 - $249,999.99; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $50,000.00 to $99,999.99
Dividend Period: Monthly; Balance: $100,000 - $149,999
Compounded daily-paid quarterly
(a)(b)
Balance: $0.00-$4,999.00; Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.
Balance: $125,000+; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $25,000.00 to $49,999.99
Dividend Distribution: Monthly
Balance: $85,000 - $124,999.99; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $10,000.00 to $24,999.99
Balance: $65,000 - $84,999.99; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $100,000 and Over
Balance: $100,000+
Dividend Period: Monthly; Balance: $50,000 - $99,999
Balance: $45,000 - $64,999.99; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $25,000 - $44,999.99; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $5,000 - $24,999.99; Money Market account rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Balance: $100,000.00 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $2,500.00 to $9,999.99
Balance: $50,000-$99,999
Dividend Distribution: Monthly
Balance: $500,000+; A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $500,000+; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $25,000 - $49,999.99
(a)(b)
Balance: $125,000 to $499,999.99; A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $125,000 to $499,999.99; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Dividend Period: Monthly; Balance: $25,000 - $49,999
Balance: $25,000-$49,999
Balance: $75,000 to $124,999.99; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $75,000 to $124,999.99; A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $35,000-$74,999.99; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $35,000-$74,999.99; A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $10,000-$34,999.99; If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $10,000-$34,999.99; A $10,000 minimum balance is required to open. May issue up to 3 checks per month. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. If balance falls below $10,000 any time during the month, dividend rates becomes equal to stated Standard Savings rate. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $15 monthly maintenance fee will incur for balances falling below $10,000.
Balance: $100,000+
Dividend Period: Monthly; Balance: $25,000.01 and over
Balance: $0-$9,999
Dividend Distribution: Monthly
(a)(b)
(a)(b)
(a)(b)
Balance: $10,000+
Balance: $2,500 - $9,999.99
Balance: $0 - $24,999.99
Balance: $0 - $2,499.99
No minimum balance to earn APY; APY may change after account opening; Limited to 6 preauthorized transfers or withdrawals per monthly statement cycle; Excess withdrawal fee for more than 6 withdrawals or transfers per month may reduce earnings on the account.
Balance: $25,000 and above
Balance: $50 to $2,500
Balance: $500,000+
Balance: $10,000 and above
Balance: $1,000,000.00 >
Balance: $1,000,000.00 >
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000 and over
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. A minimum deposit of $20,000 is required to open the account and earn the APY. If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Balance: $1,000,000 +
Balance: $100,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. A minimum deposit of $20,000 is required to open the account and earn the APY. If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Balance: $500,000 - $999,999
Balance: $500,000.00 - $999,999.99
Balance: $500,000.00 - $999,999.99
Balance: $50,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. A minimum deposit of $20,000 is required to open the account and earn the APY. If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
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.
Fort Wayne, IN Money Market Rate Trends
Compare local Fort Wayne, IN 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 rose 0.008 points over the past 7 days to 3.063% APY.
Indiana standard MMA rates fell 0.042 points over the past 7 days to 0.731% APY.
Fort Wayne, Indiana Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current IN high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 IN high-yield money market average of 3.063% 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 60–90 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 Fort Wayne, Indiana.
Money Market Account Earnings in Fort Wayne, Indiana
Annual interest earnings at current IN 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 (3.063% APY) | Monthly Earnings | Standard MMA (0.731% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.26 / year | $25.52 | $73.07 / year | $6.09 |
| $25,000 | $765.65 / year | $63.80 | $182.68 / year | $15.22 |
| $50,000 | $1,531.30 / year | $127.61 | $365.35 / year | $30.45 |
| $100,000 | $3,062.60 / year | $255.22 | $730.70 / year | $60.89 |
| 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: Fort Wayne, Indiana money market rate averages as of September 23, 2026. | ||||
About Our Fort Wayne, Indiana Money Market Rate Database
MonitorBankRates found 12 institutions with branches in Fort Wayne (3 banks, 9 credit unions), plus 23 additional state-chartered and national online institutions available to Fort Wayne 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 (1–5), 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: Horizon Bank Michigan City, IN offers a money market account at 3.75% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Fort Wayne, Indiana.
How to Find the Best Money Market Rates in Fort Wayne, Indiana
What to compare when shopping for a money market account in Fort Wayne, Indiana
To find the best money market APYs in Fort Wayne, Indiana, start with credit unions and online-only banks: Fort Wayne, Indiana has 23 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–$25,000, with lower rates (or monthly fees) below that threshold. The current IN high-yield money market average is 3.063% but top local institutions are offering as high as 3.75%, 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. Fort Wayne, Indiana high-yield money market rates currently average 3.063% 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 Fort Wayne, Indiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 35 institutions in Fort Wayne, Indiana 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 → Fort Wayne, Indiana CD rates
- You don’t need check writing and want a lower minimum → Fort Wayne, Indiana savings rates
- You need daily transaction access → Fort Wayne, Indiana checking rates
Fort Wayne, Indiana Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.2% of residents are 65 or older, below the national average of 17.3%. At today’s IN high-yield money market average of 3.063%, saving 10% of the local median salary ($3,810/year) would earn an additional $117 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Fort Wayne, Indiana Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Fort Wayne, Indiana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 3.063% | View Savings Rates | 0.731%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Fort Wayne, Indiana averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Fort Wayne, Indiana 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 Fort Wayne, Indiana 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 Fort Wayne, Indiana
At IN’s top money market rate of 3.75% from Horizon Bank Michigan City, IN, a $10,000 deposit earns $375 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fort Wayne, Indiana earner is roughly $9,500. At 3.063% APY in a money market account, saving $790/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIndiana’s high-yield money market average is 3.063% 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 Fort Wayne, Indiana earner makes $38,108/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.063% APY.
Retirement PlannerA $25,000 money market balance earning 3.063% APY grows to roughly $45,705 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 Fort Wayne, 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 Fort Wayne, 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 Fort Wayne, 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 Fort Wayne, Indiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Fort Wayne, Indiana safe?
How often do MMA rates change in Fort Wayne, Indiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Fort Wayne, Indiana?
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 Fort Wayne, Indiana for money market accounts?
Best Money Market Rates in Fort Wayne, Indiana
- Horizon Bank Michigan City, IN
Money Market Savings: 3.75% APY - Partners 1st Federal Credit Union
Business Money Market Account: 3.65% APY - Midwest America Federal Credit Union
Business Gold Money Market: 3.65% APY - Three Rivers Federal Credit Union
Jumbo Money Market: 3.00% APY - STAR Financial Bank
Money Market Preferred: 2.75% APY
Fort Wayne, Indiana Rates & Resources
