Best Money Market Rates in Grand Rapids, Michigan - June 2026
Brian McKay
Brian McKay
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Current Grand Rapids, Michigan and the surrounding area money market deposit account rates include United Federal Credit UnionUnited Federal Credit Union1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024A+5.0 ★Texas Ratio: 3.13% Money Market Special at 4.00% APY, Members First Credit Union Midland, MIMembers First Credit Union Midland, MI150 Ann St NW, Grand Rapids, MI 49505 6244A5.0 ★Texas Ratio: 7.98% Money Market Account at 4.00% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336A+5.0 ★Texas Ratio: 2.33% Max Money Market at 4.00% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union641 44th St SE, Grand Rapids, MI 49548 7525A+5.0 ★Texas Ratio: 1.02% Premier Money Market at 3.70% APY, and Horizon Bank Michigan City, INHorizon Bank Michigan City, IN250 Pearl St Nw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 2.79% Money Market Account at 3.65% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 17 local institutions in our database, with money market rates as high as 4.00% APY from United Federal Credit Union at 1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024. Use the table below to compare all available offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Grand Rapids, Michigan and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Grand Rapids, Michigan & the Surrounding Area
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 5/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
$1,000,000 +
Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate
Open a Money Market Account and earn up to 3.65% APY*.
APY (Annual Percentage Yield) effective 3/5/2026 for a limited time. Rates may vary by zip code.
Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate
$250,000 - $999,999
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. 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. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% APY. 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.
Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate
$100,000 - $249,999
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.
2 free withdrawals monthly
$25,000 - $49,999
Up to
New money only. Must have an active WesBanco checking account. Variable rate subject to change.
Preferred rates. Standard rates: 0.15% APY.
Preferred rates. Standard rates: 0.03% APY.
With a minimum of $25k new money
$1,000,000.00 +
Tier 5: $1,000,000.00 +
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Grand Rapids, MI Money Market Rate Trends
Compare local Grand Rapids, MI 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.
Michigan high-yield MMA rates fell 0.014 points over the past 7 days to 3.319% APY.
Michigan standard MMA rates rose 0.006 points over the past 7 days to 0.829% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Grand Rapids, Michigan safe?
How often do MMA rates change in Grand Rapids, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Grand Rapids, Michigan?
Best Money Market Rates in Grand Rapids, Michigan
- United Federal Credit Union
Money Market Special — 4.00% APY - Members First Credit Union Midland, MI
Money Market Account — 4.00% APY - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY - Dfcu Financial Credit Union
Premier Money Market — 3.70% APY - Horizon Bank Michigan City, IN
Money Market Account — 3.65% APY
Grand Rapids, Michigan Rates & Resources
