Best Money Market Rates in Troy, Michigan - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Troy, Michigan and the surrounding area money market deposit account rates include Community Choice Credit UnionCommunity Choice Credit Union30 E Long Lake Rd, Troy, MI 48085 4712A5.0 ★Texas Ratio: 6.60% Business Money Market at 4.10% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union734 W Long Lake Rd, Troy, MI 48098A+5.0 ★Texas Ratio: 2.33% Max Money Market at 4.00% APY, Chief Financial Federal Credit UnionChief Financial Federal Credit Union751 E Big Beaver Road, Troy, MI 48083A+5.0 ★Texas Ratio: 3.24% Money Market at 3.75% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN2555 Crooks Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 2.79% Money Market Account at 3.65% APY, and Citizens BankCitizens Bank125 Stephenson Hwy, Troy, MI 48083A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Troy has 12 local institutions in our database, with money market rates as high as 4.10% APY from Community Choice Credit Union at 30 E Long Lake Rd, Troy, MI 48085 4712. 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 Troy, Michigan and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Troy, Michigan & the Surrounding Area
Online & Mobile Banking: Free; eStatements: Free; NCUA Insurance: Up to $250,000
Open a Money Market Account and earn up to 3.65% APY*.
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.
Effective Date: Tuesday, June 16th, 2026
$1,000,000.00 +
Tier 5: $1,000,000.00 +
Tier 4: $500,000.00 -$999,999.99
$500,000.00 -$999,999.99
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
Effective Date: Tuesday, June 16th, 2026
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
As Low As; up to 1.97%
Tier 3: $100,000.00 -$499,999.99
$100,000.00 -$499,999.99
Effective Date: Tuesday, June 16th, 2026
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
Tier 2: $10,000.00 - $99,999.99
$10,000.00 - $99,999.99
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
Effective Date: Tuesday, June 16th, 2026
Effective Date: Tuesday, June 16th, 2026
Standard rates. Must have a Citizens Private Client® Checking account.
Effective Date: Tuesday, June 16th, 2026
$0.01 - $9,999.99; Qualifying balance up to $9,999.99
Tier 1: $0.01 - $9,999.99
Standard rates. Must have a Citizens Quest® Checking account.
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Essential Money Market accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
As Low As
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Essential Money Market accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
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.
Special rate
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.
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.
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.
Troy, MI Money Market Rate Trends
Compare local Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Troy, Michigan safe?
How often do MMA rates change in Troy, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Troy, Michigan?
Best Money Market Rates in Troy, Michigan
- Community Choice Credit Union
Business Money Market — 4.10% APY - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY - Chief Financial Federal Credit Union
Money Market — 3.75% APY - Horizon Bank Michigan City, IN
Money Market Account — 3.65% APY - Citizens Bank
Citizens Private Client® Money Market — 3.50% APY
