Oklahoma Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Oklahoma money market account rates range from 1.36% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Oklahoma money market deposit account rates include Brilliant BankBrilliant Bank13401 N Pennsylvania Ave, Oklahoma City, OK 73120A5.0 ★Texas Ratio: 6.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Money Market at 4.00% APY, WeStreet Federal Credit UnionWeStreet Federal Credit Union9323 E 21st St, Tulsa, OK 74129 1400B4.6 ★Texas Ratio: 20.19%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Redneck Bank, div of All America BankRedneck Bank, div of All America Bank122 E Main St, Sentinel, OK 73664D3.0 ★Texas Ratio: 39.19%Real return: +0.80%APY minus 2.8% CPI (February 2026) Mega Money Market at 3.60% APY, All America BankAll America Bank122 E Main St, Sentinel, OK 73664D3.0 ★Texas Ratio: 39.19%Real return: +0.80%APY minus 2.8% CPI (February 2026) Mega Money Market Checking at 3.60% APY, and Red River Employees Federal Credit UnionRed River Employees Federal Credit Union2018 S Washington, Idabel, OK 74745A+5.0 ★Texas Ratio: 4.75%Real return: +0.70%APY minus 2.8% CPI (February 2026) Consumer and Business High Yield Money Market at 3.50% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Oklahoma side-by-side. Oklahoma money market rates currently reach as high as 4.00% APY from Brilliant Bank at 13401 N Pennsylvania Ave, Oklahoma City, OK 73120. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Oklahoma and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Oklahoma
Brilliant Bank's Surge Money Market is a variable rate money market with initial Annual Percentage Yield available for new depositors only. APY accurate as of website publication and subject to change. Fees may reduce earnings. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.
Balance: $250,000-$499,999.99; Minimum to earn dividends: $2,500
Balance: $100,000-$249,999.99; Minimum to earn dividends: $2,500
- Oct 7, 20263.60%▼ from 3.85%
- Sep 27, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Dividend credited monthly; Projected Dividend Date: 10/31/2026; Accurate as of 09/17/2026
- Sep 25, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1,000,000.00 & Over
All Balances
Balance: $500,000 and up
- Oct 7, 20263.28%▲ from 3.20%
- Sep 24, 20263.20%▲ from 2.94%
- Sep 14, 20262.94%first recorded
Balance: $500,000 & up
Balance: $750,000.00 - $999,999.99
Balance: $50,000-$99,999.99; Minimum to earn dividends: $2,500
Balance: $250,000+
Balance: $500,000 +; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $50,000.00 or greater
Balance: $250,000 +; Fees may reduce earnings on the account.
Balance: Equal to or greater than $500,000.01
Balance: Over $50,000
Balance: $100,000 and up
Service Charge: $10; How to avoid Service Charge: $2500 avg. balance per statement cycle
Balance: $250,000.00 and over; Fees could reduce the earnings on the account.
Balance: $25,000-$49,999.99; Minimum to earn dividends: $2,500
Balance: $250,000 and greater; Portion of Balance Earning This Rate: Only the portion above $250,000
Balance: $1,000,000 up to $4,999,999
Balance: $250,000 - $499,999.99
- Oct 7, 20262.91%▲ from 2.84%
- Sep 24, 20262.84%▲ from 2.61%
- Sep 14, 20262.61%first recorded
Balance: $500,000 up to $999,999
Balance: $250,000 - $499,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $250,000+; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $250,000.01 - $500,000
Balance: $100,000 up to $499,999
Balance: $1,000,000+
Balance: $500,000.00 - $749,999.99
Balance: $100,000.01 and greater
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Balance: $100,000 up to $249,000
Balance: $500,000.00 - $999,999.99
Balance: $100,000 - $249,999.99; Fees may reduce earnings on the account.
Balance: $200,000.00 - $499,999.99
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
$750,000 and greater
Balance: $5,000.00 - $49,999.99
Balance: $250,000 or more; Money Market Plus accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal
Balance: $25,000 and above
Balance: $250,000 - $499,999.99
Balance: $2,500.00 - $199,999.99
Balance: $100,000.00 - $249,999.99; Fees could reduce the earnings on the account.
Balance: $2,500-$24,999.99; Minimum to earn dividends: $2,500
Balance: $100,000 - $249,999; Portion of Balance Earning This Rate: Only the portion between $100,000-$249,999
- Sep 29, 20262.50%▲ from 2.47%
- Sep 21, 20262.47%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $100,000.01 - $250,000
Balance: $250,000.00 & up
- Oct 7, 20262.40%▲ from 2.15%
- Sep 8, 20262.15%first recorded
Balance: $250,000.00 & up
- Oct 7, 20262.40%▲ from 2.15%
- Sep 8, 20262.15%first recorded
Balance: $50,000.01 - less than $100,000
Balance: $100,000 or $249,999.99; Money Market Plus accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal
Balance: $100,000+
Balance: $100,000 and above
Balance: $50,000 up to $99,999
Balance: $250,000.00 - $499,999.99
$250,000 - 749,999
Balance: $1,000,000 and over
Balance: $100,000.00 - $249,999.99
$100,000 - 249,999
$50,000 - 99,999
Balance: $1,000,000.00 & Above
Balance: Tier 6
Balance: $50,000 - $99,999
Balance: $50,000 and above; $1000 minimum deposit and balance required to avoid fee; Rates as of August 7, 2025
Balance: $100,000.00 and over; Fees could reduce the earnings on the account.
Balance: over $350,000
Balance: $50,000 - $99,999; Portion of Balance Earning This Rate: Only the portion between $50,000-$99,999
- Sep 29, 20262.00%▲ from 1.98%
- Sep 21, 20261.98%▼ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: up to $49,999
How the Blended Rate Structure Works Our High Yield Money Market Account uses a blended rate structure , which means your balance earns different rates at different levels. As your balance grows, each portion earns a higher rate-so you get rewarded more without losing out on the lower-tier earnings. Each portion of your balance earns the rate assigned to that tier. Your blended APY is a weighted average based on how much you have in each tier. This approach helps maximize your earnings as your balance grows. EXAMPLE: If you deposit $150,000 First $49,999 earns 1.49% Next $50,000 (from $50,000 to $99,999) earns 1.98% Remaining $50,001 (from $100,000 to $150,000) earns 2.47% Balance: $50,000.00 - $99,999.99
- Oct 9, 20261.98%▼ from 2.00%
- Sep 29, 20262.00%▲ from 1.98%
- Sep 21, 20261.98%▼ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $500 - 49,999
Balance: $0 - less than $2,000
Balance: $500,000 - $999,999
Balance: $100,000 or more; Money Market accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal
Balance: $250,000 and Over
Balance: $10,000 - $99,999.99; Fees may reduce earnings on the account.
Daily Balances of : $250,000.00 and up
- Oct 12, 20261.81%▲ from 1.61%
- Sep 28, 20261.61%first recorded
Balance: $75,000 - $99,999.99; Money Market Plus accounts are limited to six withdrawals per month; $10 fee per excessive withdrawal
Balance: $25,000 to $49,999; $1000 minimum deposit and balance required to avoid fee; Rates as of August 7, 2025
Balance: $25,000.01 - $100,000
Balance: $25,000.01 - less than $50,000
Balance: Any balance up to $24,999.99
Balance: $250,000.00 & 999,999.00
Balance: $50,000.00 - $99,999.99
Balance: $250,000 - $499,999
Balance: $25,000 - $99,999
Daily Balances of : $100,000.00 - $249,999.99
- Oct 12, 20261.71%▲ from 1.61%
- Sep 28, 20261.61%first recorded
Balance: $25,000 - $249,999.99
Balance: $100,000 - $249,999.99
- Oct 7, 20261.62%▼ from 2.12%
- Sep 24, 20262.12%▲ from 1.96%
- Sep 14, 20261.96%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 7, 20261.40%▲ from 1.25%
- Sep 8, 20261.25%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 7, 20261.40%▲ from 1.25%
- Sep 8, 20261.25%first recorded
Balance: $25,000.00 - $49,999.99
Daily Balances of : $25,000.00 - $99,999.99
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.
Oklahoma Money Market Rate Trends
Compare local Oklahoma 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.
Oklahoma high-yield MMA rates fell 0.004 points over the past 7 days to 3.040% APY.
Oklahoma standard MMA rates fell 0.011 points over the past 7 days to 0.929% APY.
Oklahoma Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current OK high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current OK high-yield money market average of 3.040% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Oklahoma.
Money Market Account Earnings in Oklahoma
Annual interest earnings at current OK average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.040% APY) | Monthly Earnings | Standard MMA (0.929% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.03 / year | $25.34 | $92.87 / year | $7.74 |
| $25,000 | $760.07 / year | $63.34 | $232.18 / year | $19.35 |
| $50,000 | $1,520.15 / year | $126.68 | $464.35 / year | $38.70 |
| $100,000 | $3,040.30 / year | $253.36 | $928.70 / year | $77.39 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Oklahoma money market rate averages as of October 13, 2026. | ||||
About Our Oklahoma Money Market Rate Database
MonitorBankRates tracks 43 money market rates from 26 banks and 17 credit unions offering money market deposit accounts to Oklahoma residents, including community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Brilliant Bank offers a money market account at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Oklahoma.
How to Find the Best Money Market Rates in Oklahoma
What to compare when shopping for a money market account in Oklahoma
To find the best money market APYs in Oklahoma, start with credit unions and online-only banks: Oklahoma has 17 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current OK high-yield money market average is 3.040% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Oklahoma high-yield money market rates currently average 3.040% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Oklahoma institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 43 institutions in Oklahoma report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Oklahoma CD rates
- You don’t need check writing and want a lower minimum Oklahoma savings rates
- You need daily transaction access Oklahoma checking rates
Oklahoma Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
16.3% of residents are 65 or older, below the national average of 17.3%. At today’s OK high-yield money market average of 3.040%, saving 10% of the local median salary ($4,026/year) would earn an additional $122 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Oklahoma Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Oklahoma.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current OK Avg APY | 3.040% | View Savings Rates | 0.929%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Oklahoma averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Oklahoma Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Oklahoma rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Oklahoma
At OK’s top money market rate of 4.00% from Brilliant Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Oklahoma earner is roughly $10,100. At 3.040% APY in a money market account, saving $840/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountOklahoma’s high-yield money market average is 3.040% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Oklahoma earner makes $40,265/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.040% APY.
Retirement PlannerA $25,000 money market balance earning 3.040% APY grows to roughly $45,507 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oklahoma 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 Oklahoma 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 Oklahoma. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in OK.
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 Oklahoma
What is a Money Market Account (MMA)?
Are Money Market accounts in Oklahoma safe?
How often do MMA rates change in Oklahoma?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oklahoma?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Oklahoma for money market accounts?
Best Money Market Rates in Oklahoma
- Brilliant Bank
Surge Money Market: 4.00% APY - WeStreet Federal Credit Union
Business Money Market: 4.00% APY - Redneck Bank, div of All America Bank
Mega Money Market: 3.60% APY - All America Bank
Mega Money Market Checking: 3.60% APY - Red River Employees Federal Credit Union
Consumer and Business High Yield Money Market: 3.50% APY
Oklahoma Rates & Resources
Cities in Oklahoma
