Best Money Market Rates in Grand Rapids, Michigan - July 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, The Huntington National BankThe Huntington National Bank24231 Front St, Grand Rapids, OH 43522A+5.0 ★Texas Ratio: 4.60% Huntington Relationship Money Market at 3.75% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union86 Monroe Center St NW, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 8.72% Business IMMA - Tier 7 at 3.35% APY, 1166 Federal Credit Union1166 Federal Credit Union2900 Charlevoix Dr, Grand Rapids, MI 49546A+5.0 ★Texas Ratio: 1.29% Money Market Plus Account at 3.00% APY, and Adventure Credit UnionAdventure Credit Union630 32nd St SE, Grand Rapids, MI 49548 2306A+5.0 ★Texas Ratio: 3.76% Money Market Savings at 2.53% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 8 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: July 13, 2026
Compare the Best Money Market Rates Today in Grand Rapids, Michigan & the Surrounding Area
Introductory rate for the first six months.
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.
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.
Save more with rates up to 3.50% APY and still have flexible access to your money.
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
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.
Tier 5
Valid Thru: 06/28/2026
Tier 4
Tier 3
Valid Thru: 06/28/2026
up to
Valid Thru: 06/28/2026
Tier 2
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Dividends Paid Quarterly. No Transaction Limitations.
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Tier 1
3 free withdrawals, traders, or checks per month; No monthly maintenance fees; No per check charges; Dividends are calculated daily and paid monthly
3 free withdrawals, traders, or checks per month; No monthly maintenance fees; No per check charges; Dividends are calculated daily and paid monthly
3 free withdrawals, traders, or checks per month; No monthly maintenance fees; No per check charges; Dividends are calculated daily and paid monthly
Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Variable rate. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
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.
Special rate.
Learn More Now
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
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.
$1,000,000.00 +
Tier 5: $1,000,000.00 +
$500,000.00 -$999,999.99
Tier 4: $500,000.00 -$999,999.99
Tier 3: $100,000.00 -$499,999.99
$100,000.00 -$499,999.99
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 rose 0.394 points over the past 7 days to 3.637% APY.
Michigan standard MMA rates fell 0.164 points over the past 7 days to 0.473% 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 - The Huntington National Bank
Huntington Relationship Money Market — 3.75% APY - Michigan State University Federal Credit Union
Business IMMA - Tier 7 — 3.35% APY - 1166 Federal Credit Union
Money Market Plus Account — 3.00% APY - Adventure Credit Union
Money Market Savings — 2.53% APY
Grand Rapids, Michigan Rates & Resources
