Best Money Market Rates in Rochester, Michigan - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Rochester, Michigan and the surrounding area money market deposit account rates include Chief Financial Federal Credit UnionChief Financial Federal Credit Union20 S Main Street, Rochester, MI 48307A+5.0 ★Texas Ratio: 3.24% Money Market at 3.75% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union511 N Main St, Rochester, MI 48307A+5.0 ★Texas Ratio: 1.02% Premier Money Market at 3.70% APY, Citizens BankCitizens Bank90 N Main St, Rochester, NH 03867A5.0 ★Texas Ratio: 8.28% Citizens Quest® Money Market at 3.50% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit UnionOakland Center Suite 148, Rochester, MI 48309A5.0 ★Texas Ratio: 8.72% Business IMMA - Tier 7 at 3.35% APY, and The Huntington National BankThe Huntington National Bank255 E 2nd St, Rochester, MI 48307A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.20% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Rochester has 5 local institutions in our database, with money market rates as high as 3.75% APY from Chief Financial Federal Credit Union at 20 S Main Street, Rochester, MI 48307. 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 Rochester, Michigan and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Rochester, Michigan & the Surrounding Area
Online & Mobile Banking: Free; eStatements: Free; NCUA Insurance: Up to $250,000
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Variable rate based on zip code. Minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99.
Valid Thru: 06/21/2026
Valid Thru: 06/21/2026
Valid Thru: 06/21/2026
IMMA Currently earning 1.00%
Valid Thru: 06/21/2026
Standard rates. Must have a Citizens Private Client® Checking account.
Standard rates. Must have a Citizens Quest® Checking account.
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
New money only - offer only valid for funds not currently on deposit with WesBanco Bank. New funds deposited to a WesBanco deposit account within 30 days of opening the money market may qualify as new money. Must have an active WesBanco checking account. The interest rate is a variable rate and is subject to change without notice after the account is opened. Fees could reduce earnings. Offer is subject to change without notice.
Special rate
Open a Money Market Account and earn up to 3.65% APY*.
Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money. If you are unable to meet the minimum opening deposit of $20,000 for this competitive new money rate plan, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.21% (3.25% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Offer available at Old National banking centers located in Iowa, Illinois, Indiana, Michigan, Minnesota, North Dakota, Wisconsin, and the Kentucky counties of Daviess, Henderson, Hopkins, Muhlenberg, and Union.
Tier 5: $1,000,000.00 +
$1,000,000.00 +
Tier 4: $500,000.00 -$999,999.99
$500,000.00 -$999,999.99
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.
Rochester, MI Money Market Rate Trends
Compare local Rochester, 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 0.013 points over the past 7 days to 3.270% APY.
Michigan standard MMA rates currently average 0.637% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Rochester, 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 Rochester, 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 Rochester, 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 Rochester, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Rochester, Michigan safe?
How often do MMA rates change in Rochester, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Rochester, Michigan?
Best Money Market Rates in Rochester, Michigan
- Chief Financial Federal Credit Union
Money Market — 3.75% APY - Dfcu Financial Credit Union
Premier Money Market — 3.70% APY - Citizens Bank
Citizens Quest® Money Market — 3.50% APY - Michigan State University Federal Credit Union
Business IMMA - Tier 7 — 3.35% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY
