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Best Money Market Rates in Rochester, Michigan (MI) - April 2026

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Brian McKay Brian McKay
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Brian McKay

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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.
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| i Editorial Disclosure
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.
| ✓Fact Checked | Last Updated: April 22, 2026

Current Rochester, 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, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% Money Market Special at 4.00% APY, and LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit UnionA+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.00% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.

Rochester has 5 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 255 E 2nd St, 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: April 22, 2026

Compare the Best Money Market Rates Today in Rochester, Michigan & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
255 E 2nd St, Rochester, MI 48307
High-Yield Money Market
3.82%
$0
View
▼
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.

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
20 S Main Street, Rochester, MI 48307
Money Market Account
3.75%
$500
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 17, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
20 S Main Street, Rochester, MI 48307
Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
511 N Main St, Rochester, MI 48307
Premier Money Market
3.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1880 S Rochester Rd, Rochester, MI 48307
Money Market Special
3.55%
$0
View
▼
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%
Oakland Center Suite 148, Rochester, MI 48309
Business IMMA - Tier 7
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
Business IMMA - Tier 8
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
Business IMMA - Tier 9
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IRA-HSA IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IRA-HSA IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IRA-HSA IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
511 N Main St, Rochester, MI 48307
Premier Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Oakland Center Suite 148, Rochester, MI 48309
IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
255 E 2nd St, Rochester, MI 48307
Huntington Relationship Money Market
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
511 N Main St, Rochester, MI 48307
Premier Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
511 N Main St, Rochester, MI 48307
Premier Money Market
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

New England Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Essential Money Market
4.50%
$0
View
▼
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
View
▼
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
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Money Market Special
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Limited time offer; for the first six months.

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.00%
$0
View
▼
Rate—
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
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market Account
4.00%
$0
View
▼
Rate—
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
View
▼
Rate—
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
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Business Money Market Savings
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Elevate Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
High Yield Money Market Account Rate
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

As High As

Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

ELGA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
Business Money Market Account
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

up to

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
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
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Money Market+
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
View
▼
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
View
▼
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Quest Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

As Low As

CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Money Management Account (MMA)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$1,000,000 Minimum Balance

Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Business Money Markets
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $2,500.00

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus Account
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details

2 free withdrawals monthly***

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.00%
$0
View
▼
Rate2.96%
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
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market
3.00%
$0
View
▼
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
View
▼
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
View
▼
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Savings
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Money Market Accounts
1.97%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

up to

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 Rochester, 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.

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.

View Full Michigan MMA Trends →
High-Yield MMA — MI Avg
3.270%
▼ 0.232 vs 7 days ago

Michigan high-yield MMA rates fell 0.232 points over the past 7 days to 3.270% APY.

Standard MMA — MI Avg
0.723%
▼ 0.117 vs 7 days ago

Michigan standard MMA rates fell 0.117 points over the past 7 days to 0.723% APY.

As of Apr 22, 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 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)?

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 Rochester, 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 Rochester, 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 Rochester, Michigan

Here are some of the highest money market account APYs currently available in Rochester, 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
  • United Federal Credit Union
    Money Market Special — 4.00% APY
  • LMCU Lake Michigan Credit Union
    Max Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Rochester, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026

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