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Best Money Market Rates in Muncie, Indiana (IN) - May 2026

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| ✓Fact Checked | Last Updated: May 12, 2026

Current Muncie, Indiana and the surrounding area money market deposit account rates include First Merchants BankFirst Merchants Bank200 E Jackson St, Muncie, IN 47305A+5.0 ★Texas Ratio: 2.78% Money Market Special at 3.55% APY, Three Rivers Federal Credit UnionThree Rivers Federal Credit Union6220 W McGalliard Rd, Muncie, IN 47304 9413A5.0 ★Texas Ratio: 6.18% Jumbo Money Market at 3.00% APY, STAR Financial BankSTAR Financial Bank400 N High St, Muncie, IN 47305A+5.0 ★Texas Ratio: 2.20% Money Market Preferred at 2.75% APY, Thrive Federal Credit UnionThrive Federal Credit Union2610 N Wheeling Ave, Muncie, IN 47303A5.0 ★Texas Ratio: 7.25% Money Market Account at 2.52% APY, and Hoosier Hills Credit UnionHoosier Hills Credit UnionA5.0 ★Texas Ratio: 9.40% High Yield Money Market at 4.05% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Muncie has 4 local institutions in our database, with money market rates as high as 3.55% APY from First Merchants Bank at 200 E Jackson St, Muncie, IN 47305. Use the table below to compare all available offers, including options from institutions serving the broader Indiana area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Muncie, Indiana and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Muncie, Indiana & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
200 E Jackson St, Muncie, IN 47305
Money Market Special
3.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Promo Rate

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market Preferred
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market Preferred
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Thrive Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
2610 N Wheeling Ave, Muncie, IN 47303
Money Market Account
2.52%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Thrive Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
2610 N Wheeling Ave, Muncie, IN 47303
Money Market Account
2.27%
$50,000
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details

Thrive Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
2610 N Wheeling Ave, Muncie, IN 47303
Money Market Accounts
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Thrive Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
2610 N Wheeling Ave, Muncie, IN 47303
Money Market Account
2.02%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 6, 2026
Details

Thrive Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
2610 N Wheeling Ave, Muncie, IN 47303
Money Market Accounts
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
1.75%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.50%
$125,000
View
▼
Rate1.49%
Min Deposit$125,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.40%
$85,000
View
▼
Rate1.39%
Min Deposit$85,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.30%
$65,000
View
▼
Rate1.29%
Min Deposit$65,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.20%
$45,000
View
▼
Rate1.19%
Min Deposit$45,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.10%
$25,000
View
▼
Rate1.09%
Min Deposit$25,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
1.00%
$5,000
View
▼
Rate0.99%
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

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.

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
0.85%
$500,000
View
▼
Rate0.85%
Min Deposit$500,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
0.75%
$125,000
View
▼
Rate0.75%
Min Deposit$125,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
0.70%
$75,000
View
▼
Rate0.70%
Min Deposit$75,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
0.60%
$35,000
View
▼
Rate0.60%
Min Deposit$35,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Money Market
0.55%
$10,000
View
▼
Rate0.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
6220 W McGalliard Rd, Muncie, IN 47304 9413
Jumbo Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market Preferred
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

STAR Financial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
400 N High St, Muncie, IN 47305
Money Market
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
High Yield Money Market
4.05%
$0
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
LINked Money Market Share Account (LINked MMSA)
4.03%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business LINked Money Market Share Account (Business LINked MMSA)
4.03%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Money Market Special
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

for the first six months.

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
High Yield Money Market
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
LINked Money Market Share Account (LINked MMSA)
3.80%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business LINked Money Market Share Account (Business LINked MMSA)
3.80%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

Everence Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Indexed money market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Tier 1

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Gold Money Market
3.65%
$0
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

State Bank of Medora
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Max Money Market
3.65%
$1,000
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Business Money Market Savings
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Elevate Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings
3.64%
$100
View
▼
Rate3.58%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
High Yield Money Market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business LINked Money Market Share Account (Business LINked MMSA)
3.54%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
LINked Money Market Share Account (LINked MMSA)
3.52%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Money Market Special
3.50%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details

With a minimum of $25k new money

Indiana University Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Money Market Savings
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Checking
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Premier Money Market Special
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business LINked Money Market Share Account (Business LINked MMSA)
3.31%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market for Business
3.30%
$50
View
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market
3.30%
$50
View
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
LINked Money Market Share Account (LINked MMSA)
3.26%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business LINked Money Market Share Account (Business LINked MMSA)
3.15%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Advantage Money Market Account
3.15%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
High Yield Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Mercer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
High-Yield Money Market Deposit Account
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
LINked Money Market Share Account (LINked MMSA)
3.10%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings
3.09%
$100
View
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $1,000,000.00

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings Rate
3.09%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Earn 5x the national average**

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Silver Eagle Money Market Account
3.05%
$50
View
▼
Rate3.01%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Money Market Savings
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Christian Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Money Market
3.03%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$25,000 & Over

Indiana University Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Money Market Savings
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Money Market Share Accounts
3.00%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

Interra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Business Money Market Share Accounts
3.00%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Checking
2.99%
$0
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Century Money Market
2.85%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

F&M Bank Laotto, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Platinum Money Market & Above
2.66%
$1,500
View
▼
Rate2.62%
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$500,000.00

State Bank of Medora
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Max Money Market
2.65%
$1,000
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Silver Eagle Money Market Account
2.58%
$50
View
▼
Rate2.55%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
First Money Market
2.53%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

*Minimum of $100 required to open First Money Market / (Rates may change after opening on this type of account); **Tier minimum required to obtain Annual Percentage Yield

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market
2.53%
$50
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market for Business
2.53%
$50
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Gold Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Money Market Checking
2.38%
$0
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

INDIANA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Greenfield Banking Company Greenfield, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Money Market
2.12%
$2,500
View
▼
Rate2.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Silver Eagle Money Market Account
2.12%
$50
View
▼
Rate2.10%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Diamond Money Market
2.05%
$50,000
View
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Diamond Money Market 4th Tier
2.05%
$50,000
View
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Silver Eagle Money Market Account
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
First Money Market
2.02%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

*Minimum of $100 required to open First Money Market / (Rates may change after opening on this type of account); **Tier minimum required to obtain Annual Percentage Yield

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market for Business
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Security FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SecFed High Yield Money Market
2.02%
$50
View
▼
Rate2.00%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

Everence Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Indexed money market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Tier 2

INDIANA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

F&M Bank Laotto, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Platinum Money Market
1.89%
$1,500
View
▼
Rate1.88%
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$100,000.00 - $499,999.99

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 Muncie, Indiana 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.

Muncie, IN Money Market Rate Trends

Compare local Muncie, 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.

View Full Indiana MMA Trends →
High-Yield MMA — IN Avg
3.292%
Unchanged vs 7 days ago

Indiana high-yield MMA rates currently average 3.292% APY.

Standard MMA — IN Avg
0.554%
▼ 0.003 vs 7 days ago

Indiana standard MMA rates fell 0.003 points over the past 7 days to 0.554% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Muncie, 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 Muncie, 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 Muncie, Indiana

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 Indiana.

Are Money Market accounts in Muncie, Indiana 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 Indiana up to $250,000 per depositor, per institution.

How often do MMA rates change in Muncie, Indiana?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Indiana 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 Muncie, Indiana?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Muncie, Indiana 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 Muncie, Indiana

Here are some of the highest money market account APYs currently available in Muncie, Indiana and the surrounding area:
  • First Merchants Bank
    Money Market Special — 3.55% APY
  • Three Rivers Federal Credit Union
    Jumbo Money Market — 3.00% APY
  • STAR Financial Bank
    Money Market Preferred — 2.75% APY
  • Thrive Federal Credit Union
    Money Market Account — 2.52% APY
  • Hoosier Hills Credit Union
    High Yield Money Market — 4.05% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Muncie, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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