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Best Money Market Rates in Spokane, Washington (WA) - May 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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: May 12, 2026

Current Spokane, Washington and the surrounding area money market deposit account rates include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% Money Market at 12.00% APY, Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA 99207A+5.0 ★Texas Ratio: 3.68% Money Market at 4.00% APY, Sunflower BankSunflower Bank244 W Main Ave, Spokane, WA 99201A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, Spokane Teachers Credit UnionSpokane Teachers Credit Union106 W Nora Ave, Spokane, WA 99205A+5.0 ★Texas Ratio: 3.44% Member Preferred Money Market at 2.79% APY, and Spokane City Credit UnionSpokane City Credit Union1930 N Monroe St, Spokane, WA 99205 4538A+5.0 ★Texas Ratio: 2.65% Money Market / Preferred Share Investment (PSI) at 2.79% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Spokane has 9 local institutions in our database, with money market rates as high as 12.00% APY from Responders Emergency Services Credit Union at 924 W Sinto Ave, Spokane, WA 99201 2531. Use the table below to compare all available offers, including options from institutions serving the broader Washington area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Spokane, Washington and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Spokane, Washington & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Money Market
12.00%
$0
View
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,200.00

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Minimum balance to earn interest $5,000.; Member is allowed 3 transactions per month to retain Money Market interest rate.

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
244 W Main Ave, Spokane, WA 99201
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.01 & Above

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
244 W Main Ave, Spokane, WA 99201
Thrive Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.00 & Below

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
Money Market / Preferred Share Investment (PSI)
2.79%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
106 W Nora Ave, Spokane, WA 99205
Member Preferred Money Market
2.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Minimum $500,000. APY effective 12/2/25

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
Money Market / Preferred Share Investment (PSI)
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA 99207
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Minimum balance to earn interest $5,000.; Member is allowed 3 transactions per month to retain Money Market interest rate.

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
Money Market / Preferred Share Investment (PSI)
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
IRA Money Market Savings Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
0.94%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
0.94%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Money Market
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
0.89%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
0.89%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Spokane City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
1930 N Monroe St, Spokane, WA 99205 4538
Money Market / Preferred Share Investment (PSI)
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
0.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
0.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
IRA Money Market Savings Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
Money Market Savings
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
0.74%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
0.74%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
IRA Money Market Savings Account
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
924 W Sinto Ave, Spokane, WA 99201 2531
Money Market
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
IRA Money Market Savings Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Bonus Money Market
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $250,000+

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
Money Market Savings
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

PrimeSource Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.91%
9707 N Nevada ST, Spokane, WA 99218 3412
PREMIUM MONEY MARKET
0.40%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details

PrimeSource Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.91%
9707 N Nevada ST, Spokane, WA 99218 3412
PREMIUM MONEY MARKET
0.35%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Bonus Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $249,999.99

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Bonus Money Market
0.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $99,999.99

PrimeSource Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.91%
9707 N Nevada ST, Spokane, WA 99218 3412
PREMIUM MONEY MARKET
0.30%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details

PrimeSource Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.91%
9707 N Nevada ST, Spokane, WA 99218 3412
PREMIUM MONEY MARKET
0.25%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details

PrimeSource Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.91%
9707 N Nevada ST, Spokane, WA 99218 3412
SELECT MONEY MARKET
0.20%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Peak Money Market1
0.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Peak Money Market
0.20%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $0.20

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Bonus Money Market
0.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $49,999.99

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Peak Money Market1
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Washington State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
2523 W Northwest Blvd, Spokane, WA 99205
Money Market Accounts
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Peak Money Market1
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA 99218
Peak Money Market1
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
IRA Money Market Savings Account
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA 99201
Money Market Savings
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Youth Money Market
5.12%
$1
View
▼
Rate5.00%
Min Deposit$1
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $750.00

Qualstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.04%
Premier Money Market
3.51%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
3.15%
$0
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
1st Rate Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Business Premium Money Market Account Tier 7
3.09%
$50,000
View
▼
Rate3.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account1
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Business Premier Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Premium Personal Money Market Account Tier 8
2.83%
$50,000
View
▼
Rate2.75%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account1
2.75%
$0
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Apex Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Momentum Money Market
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account1
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of the Pacific
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Business Money Market
2.38%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

As High As

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Money Market Account1
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Business Premium Money Market Account Tier 6
2.15%
$50,000
View
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Premium Personal Money Market Account Tier 7
2.15%
$50,000
View
▼
Rate2.10%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

SaviBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Business Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

SaviBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Personal Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Money Market
2.01%
$25
View
▼
Rate2.00%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

however balances below $1,000 will result in a fee*

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
High Yield Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Business Money Market
2.00%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$1,000,000 and greater

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Business Premium Money Market Account Tier 5
1.64%
$50,000
View
▼
Rate1.60%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
High Yield Money Market
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

1st Security Bank of Washington
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Business Money Market
1.50%
$1,500
View
▼
Rate—
Min Deposit$1,500
Min Balance—
UpdatedMay 5, 2026
Details

$250,000-$999,999.99

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 Spokane, Washington 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.

Spokane, WA Money Market Rate Trends

Compare local Spokane, WA 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 Washington MMA Trends →
High-Yield MMA — WA Avg
2.880%
Unchanged vs 7 days ago

Washington high-yield MMA rates currently average 2.880% APY.

Standard MMA — WA Avg
0.702%
Unchanged vs 7 days ago

Washington standard MMA rates currently average 0.702% APY.

As of May 13, 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 deposit account rates for Spokane, Washington 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 Spokane, Washington. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in WA.

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 Spokane, Washington

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Washington.

Are Money Market accounts in Spokane, Washington 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 Washington up to $250,000 per depositor, per institution.

How often do MMA rates change in Spokane, Washington?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Washington 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.

How much do I need to deposit to open a money market account in Spokane, Washington?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Spokane, Washington require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Spokane, Washington

Here are some of the highest money market account APYs currently available in Spokane, Washington and the surrounding area:
  • Responders Emergency Services Credit Union
    Money Market — 12.00% APY
  • Safeway Federal Credit Union
    Money Market — 4.00% APY
  • Sunflower Bank
    Thrive Money Market — 3.45% APY
  • Spokane Teachers Credit Union
    Member Preferred Money Market — 2.79% APY
  • Spokane City Credit Union
    Money Market / Preferred Share Investment (PSI) — 2.79% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Spokane, Washington. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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