Best Money Market Rates in Grand Rapids, Michigan (MI) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Grand Rapids, Michigan and the surrounding area money market rates include New England Federal Credit UnionNew England Federal Credit UnionA+5.0 ★Texas Ratio: 4.53% Essential Money Market at 4.50% APY, Community Financial Credit Union Plymouth, MICommunity Financial Credit Union Plymouth, MIA5.0 ★Texas Ratio: 8.20% Money Market at 4.20% APY, Community Choice Credit UnionCommunity Choice Credit UnionA5.0 ★Texas Ratio: 7.03% Business Money Market at 4.10% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336A+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.00% APY, and Honor Credit UnionHonor Credit UnionA+5.0 ★Texas Ratio: 5.80% Surge Money Market at 4.00% APY. Money market rates as of April 23, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 15 local institutions in our database, with money market rates as high as 4.00% APY from LMCU Lake Michigan Credit Union at 1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336. 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: April 23, 2026
Compare the Best Money Market Rates Today in Grand Rapids, Michigan & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
150 Ann St NW, Grand Rapids, MI 49505 6244
Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
Max Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Money Market Special
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Limited time offer; for the first six months.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
24231 Front St, Grand Rapids, OH 43522
High-Yield Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn between 3.20%-3.82% APY based on your zip code; Minimum of $25,000 not currently deposited at Huntington.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Premier Money Market
3.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
250 Pearl St Nw, Grand Rapids, MI 49503
Business Money Market Savings
3.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
For a limited-time earn up to 3.65% APY* when you open a Business Money Market Savings.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Elevate Money Market
3.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
2355 Burton St Se, Grand Rapids, MI 49506
Money Market Special
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rates may vary by zip code.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 9
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 7
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 8
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
24231 Front St, Grand Rapids, OH 43522
Huntington Relationship Money Market
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
2 free withdrawals monthly***
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Money Market Plus
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $2,500.00
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Premier Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
Money Market Accounts
1.97%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
up to
First National Bank of Michigan
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
First Growth Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
First Growth Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
First Growth Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
First Growth Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
First Growth Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
New England Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Essential Money Market
4.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
up to
Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
4.20%
$0
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Business Money Market
4.10%
$0
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Surge Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market Account
3.75%
$500
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
As High As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
High Yield Money Market Account Rate
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
Business Money Market Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
up to
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.29%
Money Market Account
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Business Money Markets
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Money Management Account (MMA)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$1,000,000 Minimum Balance
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Quest Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
As Low As
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Money Market Manager
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market
2.79%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Powered by
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 Grand Rapids, 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.
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.
High-Yield MMA — MI Avg
3.478%
▼ 0.023 vs 7 days ago
Michigan high-yield MMA rates fell 0.023 points over the past 7 days to 3.478% APY.
Standard MMA — MI Avg
0.986%
▲ 0.146 vs 7 days ago
Michigan standard MMA rates rose 0.146 points over the past 7 days to 0.986% APY.
As of Apr 23, 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 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)?
A Money Market Account (MMA) is a type of savings 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 Grand Rapids, 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 Grand Rapids, 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.
Best Money Market Rates in Grand Rapids, Michigan
Here are some of the highest money market account APYs currently available in Grand Rapids, Michigan and the surrounding area:
- New England Federal Credit Union
Essential Money Market — 4.50% APY - Community Financial Credit Union Plymouth, MI
Money Market — 4.20% APY - Community Choice Credit Union
Business Money Market — 4.10% APY - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY - Honor Credit Union
Surge Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Grand Rapids, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking