Best Money Market Rates in Michigan - July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
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 Michigan money market deposit account rates include United Federal Credit UnionUnited Federal Credit Union808 E Front St, Buchanan, MI 49107 1444A+5.0 ★Texas Ratio: 3.13% Money Market Special at 4.00% APY, Honor Credit UnionHonor Credit Union8952 US Highway 31, Berrien Springs, MI 49103A+5.0 ★Texas Ratio: 5.50% Surge Money Market at 4.00% APY, Dort Financial Credit UnionDort Financial Credit Union9048 HOLLY RD, GRAND BLANC, MI 48439A+5.0 ★Texas Ratio: 5.35% Public Funds Money Market at 4.00% APY, The Huntington National BankThe Huntington National Bank328 S Saginaw St, Flint, MI 48502A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, and Premier BankPremier Bank300 N Main St, Adrian, MI 49221A+5.0 ★Texas Ratio: 4.27% Money Market special 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 Michigan side-by-side. Michigan money market rates currently reach as high as 4.00% APY from United Federal Credit Union at 808 E Front St, Buchanan, MI 49107 1444. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Michigan and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Michigan
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI 49107 1444
Money Market Special
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Introductory rate for the first six months.
Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI 49103
Surge Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tiered rates based on balance.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
High Yield Money Market
3.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
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.
Premier Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
300 N Main St, Adrian, MI 49221
Money Market special
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Special rate.
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
300 N Main St, Adrian, MI 49221
Money Market special
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Learn More Now
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
Huntington Relationship Money Market
3.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
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.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
Money Market Account
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
NCUA Insurance: Up to $250,000
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
Money Market
3.65%
$0
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI 49107 1444
Elevate Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Save more with rates up to 3.50% APY and still have flexible access to your money.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI 48226
Citizens Quest Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI 48226
Citizens Private Client Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI 48033 6041
High Yield Money Market Account Rate
3.40%
$10,000
▼
Rate3.35%
Min Deposit$10,000
Min Balance—
UpdatedJul 6, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI 48033 6041
Money Market
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rates As High As 3.40% APY2
Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI 49103
Amplify Money Market Rate
3.37%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Base Rate: 0.50%; Base APY: 0.50%; Bonus Rate: 2.87%
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 8
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 7
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 9
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI 49633 9333
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balance Tier
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
Money Market Accounts
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
5220 Lovers Ln Ste 200, Portage, MI 49002
Money Market+
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Earn More, Effortlessly
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 6, 2026
Details
2 free withdrawals monthly; Money Market Plus accounts are only available for new money, or funds that have not been on deposit with 1166 Federal Credit Union in the last 30 days.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI 48033 6041
High Yield Money Market Account Rate
3.00%
$250,000
▼
Rate2.96%
Min Deposit$250,000
Min Balance—
UpdatedJul 6, 2026
Details
Rates Effective as of:
Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
5220 Lovers Ln Ste 200, Portage, MI 49002
Business Money Markets
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
Money Market
3.00%
$150,000
▼
Rate3.00%
Min Deposit$150,000
Min Balance—
UpdatedJul 8, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 5
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$1,000,000.00 +
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 5
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tier 5: $1,000,000.00 +
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
20855 Washington Ave, Onaway, MI 49765
MONEY MARKET
2.79%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 8, 2026
Details
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI 49633 9333
Money Market
2.79%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balance Tier
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo Money Market
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
Money Market Savings
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Tier 5
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Business Money Market Accounts
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
No Minimum Balance Required; $3.00 fee per withdrawal or debit transaction in excess of six (6) per month
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 4
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tier 4: $500,000.00 -$999,999.99
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 6
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 4
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$500,000.00 -$999,999.99
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Money Market
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
College Rewards Money Market
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Member needs to meet minimum requirements to qualify.
Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI 49103
Business Amplify Money Market Rate
2.36%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bonus APY: 2.36%; Base Rate: 0.25%; Base APY: 0.25%
Adventure Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
Money Market Savings
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Tier 4
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI 49633 9333
Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balance Tier
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
Money Market Accounts
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Money Market Account
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
Money Market
2.25%
$75,000
▼
Rate2.25%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Money Market
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market Savings
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account
2.00%
$0
▼
Rate2.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
1075 E Wilcox Ave, White Cloud, MI 49349
Money Market Accounts
1.97%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
up to
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$100,000.00 -$499,999.99
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tier 3: $100,000.00 -$499,999.99
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market Savings
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
Choice Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mayville State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
37 E Ohmer Rd, Mayville, MI 48744
Money Market Deposit Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Balances ? $100,000
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 2
1.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$10,000.00 - $99,999.99
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 2
1.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tier 2: $10,000.00 - $99,999.99
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
Choice Money Market
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
Money Market
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market Savings
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 Michigan 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.
Michigan Money Market Rate Trends
Compare local Michigan 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 — MI Avg
3.637%
▲ 0.367 vs 7 days ago
Michigan high-yield MMA rates rose 0.367 points over the past 7 days to 3.637% APY.
Standard MMA — MI Avg
0.473%
▼ 0.164 vs 7 days ago
Michigan standard MMA rates fell 0.164 points over the past 7 days to 0.473% APY.
As of Jul 13, 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 Michigan 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 Michigan 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 Michigan. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MI.
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 Michigan
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 Michigan.
Are Money Market accounts in Michigan 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 Michigan up to $250,000 per depositor, per institution.
How often do MMA rates change in Michigan?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Michigan 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 Michigan?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Michigan 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 Michigan
Here are some of the highest money market account APYs currently available in Michigan:
- United Federal Credit Union
Money Market Special — 4.00% APY - Honor Credit Union
Surge Money Market — 4.00% APY - Dort Financial Credit Union
Public Funds Money Market — 4.00% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY - Premier Bank
Money Market special — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 12, 2026
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