Jeffersonville, Indiana Money Market Rates - October 2026
Brian McKay
Brian McKay
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Jeffersonville, Indiana money market account rates range from 0.01% to 4.05% APY, verified by MonitorBankRates as of October 14, 2026. Current Jeffersonville, Indiana and the surrounding area money market deposit account rates include Heritage Federal Credit UnionHeritage Federal Credit Union2013 Jeffersonville Commons Dr, Jeffersonville, IN 47130A+5.0 ★Texas Ratio: 1.78%Real return: +0.95%APY minus 2.8% CPI (February 2026) Business Money Market at 3.75% APY, US BankUS Bank2750 Allison Ln, Jeffersonville, IN 47130A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Centra Credit UnionCentra Credit Union2125 Veterans Parkway, Jeffersonville, IN 47130A+5.0 ★Texas Ratio: 5.34%Real return: +0.55%APY minus 2.8% CPI (February 2026) Business & Public Funds Premium Money Market Savings at 3.35% APY, L and N Federal Credit UnionL and N Federal Credit Union1450 VETERANS PKWY STE 100, JEFFERSONVILLE, IN 47130A+5.0 ★Texas Ratio: 1.91%Real return: +0.45%APY minus 2.8% CPI (February 2026) Money Market at 3.25% APY, and Republic Bank & Trust CompanyRepublic Bank & Trust Company3141 Highway 62, Jeffersonville, IN 47130A+5.0 ★Texas Ratio: 2.91%Real return: -1.30%APY minus 2.8% CPI (February 2026) Commercial Money Market Max at 1.50% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Jeffersonville has 6 local institutions in our database, with money market rates as high as 3.75% APY from Heritage Federal Credit Union at 2013 Jeffersonville Commons Dr, Jeffersonville, IN 47130. 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 Jeffersonville, Indiana and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Jeffersonville, Indiana & the Surrounding Area
Balance: $500,000.00 and up
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000 and over
Balance: $100,000 & UP; Dividends earned daily and posted monthly
Earn 3.25% APY; dividends not earned if balance drops below $25,000; dividends earned daily and posted monthly; 6 withdrawals or transfers per month; rates can change weekly
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
Balance: $350,000.00 - $499,999.99
Balance: $150,000.00 - $349,999.99
Balance: $50,000-$99,999.99; Dividends earned daily and posted monthly
Balance: $25,000-$49,999.99; Dividends earned daily and posted monthly
Balance: $10,000.00 - $149,499.99; $10.00 monthly fee if $10,000 balance is not maintained; interest not earned if balance drops below $10,000
- Oct 9, 20262.25%▼ from 3.75%
- Oct 5, 20263.75%▲ from 2.25%
- Sep 25, 20262.25%▼ from 3.75%
- Sep 21, 20263.75%first recorded
Balance: $750,000.00 and over
Balance: $250,000 - $999,999
Balance: $500,000 - $999,999
Balance: $0 - $4,999.99; Dividends earned daily and posted monthly
Balance: $500,000.00 and over
Balance: $250,000 - $499,999
Balance: $1,000,000 +; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $50,000 - $249,999
Balance: $50,000 - $249,999
Balance: $7,500 - $49,999
Balance: $25,000 - $49,999
Balance: $0 - $24,999
Balance: $325,000.00 and over
Balance: $50,000+
Balance: $100,000 - $999,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $250,000.00 and over
Balance: $25,000 - $49,999
Balance: $50,000 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $500,000 and over; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $100,000 - $499,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $10,000 - $24,999
Balance: $15,000 - $24,999
Balance: $0 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $5,000 - $9,999
Balance: $50,000+
Balance: $0 - $49,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $25,000.00 and over
Balance: $5,000 - $14,999
Balance: $10,000.00 and over
Balance: $25,000 - $49,999
Balance: $1,000.00 and over
Balance: $2,500 - $4,999
Balance: $1,000 - $4,999
Balance: $10,000 - $24,999
Balance: $0 - $999
Balance: $1,000 - $9,999
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Platinum Tier (Average Eligible Balance $500,000 or more) Interest Rate Boost
Balance: $1.00 - $9,999.99; PNC TotalRewards Gold Tier (Average Eligible Balance $100,000 to $499,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99; PNC TotalRewards Silver Tier (Average Eligible Balance $25,000 to $99,999.99) Interest Rate Boost
Balance: $100,000.00 - $249,999.99
Balances Through $24,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee.
Balance: $1.00 - $9,999.99
Balance: $0 to $9,999.99; Rates for ZIP 55402; valid on new Elite Money Market accounts or accounts open less than 30 days
Balance: $3,000,000 - Above; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Qualifications Required: Primary member must have at least one checking account in good standing; enrolled in Interra Online Banking; elects e-Statements; Earn up to 4.03% APY; tiered rate account, balance tiers and rates published at www.interracu.com/rates; rates effective as of 9/21/26; Open the account with at least $10,000
Balance: $3,000,000.00 and over
Qualifications Required: Maintain daily balance of at least $10,000; Interra Credit Union checking account in good standing; enrolled in Online Banking; enrolled in e-Statements; Earn up to 4.03% APY; tiered rate account, balance tiers and rates published at www.interracu.com/rates; rates effective as of 9/21/26; Open the account with at least $10,000
Balance: $3,000,000.00 and over; Minimum daily balance to obtain APY: >=$3,000,000.00
Balance: $50 to $2,500
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $250,000.01 or greater
Balance: $1,000,000 or more
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Balance Optimizer; Balance: above $5,000,000
Balance: above $1,000,000.00; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
- Oct 14, 20263.88%▲ from 3.09%
- Oct 6, 20263.09%▼ from 3.88%
- Sep 30, 20263.88%first recorded
No minimum balance to earn APY; no rate tiers, same rate regardless of balance; APY may change after account opening; limited to 6 preauthorized transfers or withdrawals per monthly statement cycle; APY accurate as of 09/17/2026
Homepage promo card; tagline: Earn up to 3.75% APY
Balance: $25,000 and above
Balance: $1,000,000.00 >
- Oct 7, 20263.66%▲ from 3.56%
- Sep 24, 20263.56%▲ from 3.40%
- Sep 19, 20263.40%first recorded
Balance: $1,000,000.00 >
- Oct 7, 20263.66%▲ from 3.56%
- Sep 24, 20263.56%▲ from 3.40%
- Sep 19, 20263.40%first recorded
Balance: $500,000+; Average Daily Balance tier; Minimum balance fee $20.00 per statement cycle if balance falls below $20,000.00; Effective as of 10/14/2026
Balance: $10,000 and above
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $250,000 and over
Balance: $250,000+; Average Daily Balance tier; Minimum balance fee $20.00 per statement cycle if balance falls below $20,000.00; Effective as of 10/14/2026
Balance: $250,000.00 - $499,999.99; minimum balance fee of $20.00 if balance falls below $20,000.00
Balance: $1,000,000 +
Balance: $500,000.00 - $999,999.99
- Oct 7, 20263.20%▲ from 3.14%
- Sep 24, 20263.14%▲ from 2.99%
- Sep 19, 20262.99%first recorded
Balance: $500,000.00 - $999,999.99
- Oct 7, 20263.20%▲ from 3.14%
- Sep 24, 20263.14%▲ from 2.99%
- Sep 19, 20262.99%first recorded
The interest rate may change at any time. $7.50 monthly service charge. No monthly service charge if minimum daily balance of $25,000 is maintained. Free eStatements. $7.50 paper statement. Free debit card. Free mobile deposit.
Balance: $0.00 - $1,000,000.00; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
Money Market Savings Rate; Avoid monthly maintenance fee with $4,000 average daily balance; Daily Balance method
Balance: $1,000,000+
Balance: $100,000+; Average Daily Balance tier; Minimum balance fee $20.00 per statement cycle if balance falls below $20,000.00; Effective as of 10/14/2026
Balance: $100,000.00 - $249,999.99; minimum balance fee of $20.00 if balance falls below $20,000.00
Balance: $500,000 - $999,999
Balance: Over $1,000,000
- Oct 3, 20263.00%▲ from 1.80%
- Sep 14, 20261.80%first recorded
Balance: $50,000+; Average Daily Balance tier; Minimum balance fee $20.00 per statement cycle if balance falls below $20,000.00; Effective as of 10/14/2026
Balance: $50,000.00 - $99,999.99; minimum balance fee of $20.00 if balance falls below $20,000.00
Balance: $250,000.00 and above
Balance: $100,000 - $2,499,999.99
Balance: $250,000 - $499,999
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Balance: $25,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Money Market Account; variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above currently earn 0.25% APY; Balances below $25,000.00 do not earn interest and may be subject to a $25.00 monthly maintenance fee
Balance: $500,000.00 & Above
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.
Jeffersonville, IN Money Market Rate Trends
Compare local Jeffersonville, 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 fell 0.008 points over the past 7 days to 3.097% APY.
Indiana standard MMA rates fell 0.011 points over the past 7 days to 0.501% APY.
Jeffersonville, 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 to 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 3.097% 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 to 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 Jeffersonville, Indiana.
Money Market Account Earnings in Jeffersonville, 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 (3.097% APY) | Monthly Earnings | Standard MMA (0.501% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $309.69 / year | $25.81 | $50.08 / year | $4.17 |
| $25,000 | $774.23 / year | $64.52 | $125.20 / year | $10.43 |
| $50,000 | $1,548.45 / year | $129.04 | $250.40 / year | $20.87 |
| $100,000 | $3,096.90 / year | $258.08 | $500.80 / year | $41.73 |
| 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: Jeffersonville, Indiana money market rate averages as of October 14, 2026. | ||||
About Our Jeffersonville, Indiana Money Market Rate Database
MonitorBankRates found 6 institutions with branches in Jeffersonville (3 banks, 3 credit unions), plus 35 additional state-chartered and national online institutions available to Jeffersonville 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 to 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: Heritage Federal Credit Union offers a money market account at 3.75% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Jeffersonville, Indiana.
How to Find the Best Money Market Rates in Jeffersonville, Indiana
What to compare when shopping for a money market account in Jeffersonville, Indiana
To find the best money market APYs in Jeffersonville, Indiana, start with credit unions and online-only banks: Jeffersonville, 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current IN high-yield money market average is 3.097% 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. Jeffersonville, Indiana high-yield money market rates currently average 3.097% 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 Jeffersonville, Indiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 41 institutions in Jeffersonville, 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 Jeffersonville, Indiana CD rates
- You don’t need check writing and want a lower minimum Jeffersonville, Indiana savings rates
- You need daily transaction access Jeffersonville, Indiana checking rates
Jeffersonville, Indiana Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
17.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s IN high-yield money market average of 3.097%, saving 10% of the local median salary ($4,154/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Jeffersonville, Indiana Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Jeffersonville, Indiana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 3.097% | View Savings Rates | 0.501%(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 to $2,500 | $0 to $100 | $25 to $100 | $500 to $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 Jeffersonville, Indiana averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Jeffersonville, 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 Jeffersonville, 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 Jeffersonville, Indiana
At IN’s top money market rate of 3.75% from Heritage Federal Credit Union, 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 Jeffersonville, Indiana earner is roughly $10,400. At 3.097% APY in a money market account, saving $870/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 3.097% 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 Jeffersonville, Indiana earner makes $41,549/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.097% APY.
Retirement PlannerA $25,000 money market balance earning 3.097% APY grows to roughly $46,010 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 Jeffersonville, 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 Jeffersonville, 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 Jeffersonville, 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 Jeffersonville, Indiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Jeffersonville, Indiana safe?
How often do MMA rates change in Jeffersonville, Indiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Jeffersonville, 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 Jeffersonville, Indiana for money market accounts?
Best Money Market Rates in Jeffersonville, Indiana
- Heritage Federal Credit Union
Business Money Market: 3.75% APY - US Bank
Elite Money Market Account: 3.40% APY - Centra Credit Union
Business & Public Funds Premium Money Market Savings: 3.35% APY - L and N Federal Credit Union
Money Market: 3.25% APY - Republic Bank & Trust Company
Commercial Money Market Max: 1.50% APY
Jeffersonville, Indiana Rates & Resources
