Spokane Valley, Washington Money Market Rates - October 2026
Brian McKay
Brian McKay
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Spokane Valley, Washington money market account rates range from 0.01% to 5.49% APY, verified by MonitorBankRates as of October 13, 2026. Current Spokane Valley, Washington and the surrounding area money market deposit account rates include US BankUS Bank15426 E Sprague Ave, Spokane Valley, WA 99037A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Spokane Teachers Credit UnionSpokane Teachers Credit Union13501 E Sprague Ave, Spokane Valley, WA 99216A5.0 ★Texas Ratio: 10.05%Real return: -0.01%APY minus 2.8% CPI (February 2026) Member Preferred Money Market at 2.79% APY, Governmental Employees Credit UnionGovernmental Employees Credit Union1811 N Hutchinson Rd, Spokane Valley, WA 99212 2444A5.0 ★Texas Ratio: 6.09%Real return: -0.30%APY minus 2.8% CPI (February 2026) Elite Money Market at 2.50% APY, Washington State Employees Credit UnionWashington State Employees Credit Union5211 E Sprague Ave, Spokane Valley, WA 99212A+5.0 ★Texas Ratio: 5.49%Real return: -1.55%APY minus 2.8% CPI (February 2026) Money Market accounts at 1.25% APY, and Idaho Central Credit UnionIdaho Central Credit Union16015 E Broadway Ave, Spokane Valley, WA 99037A+5.0 ★Texas Ratio: 4.55%Real return: -1.80%APY minus 2.8% CPI (February 2026) Money Market Savings at 1.00% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Spokane Valley has 9 local institutions in our database, with money market rates as high as 3.40% APY from US Bank at 15426 E Sprague Ave, Spokane Valley, WA 99037. Use the table below to compare all available offers, including options from institutions serving the broader Washington area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Spokane Valley, Washington and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Spokane Valley, Washington & the Surrounding Area
Balance: $25,000 - $49,999.99
APY effective 07/01/2026. Rate is variable and balance tiers may change after account is opened. STCU membership is required to open account and fees may reduce earnings. No minimum balance required to earn the APY.
Balance: $250,000 and over; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $100,000 - $249,999; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $50,000 - $99,999; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $10,000 - $49,999; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $25 - $9,999; No monthly maintenance fee with a daily balance of $2,500 or more. $10 fee if balance falls below $2,500.
Balance: $100,000 +
Balance: 100,000+
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: 50,000-99,999
Balance: $5,000 - $9,999.99
Balance: 25,000-49,999
Minimum balance to earn: $250,000
Minimum balance to earn: $100,000
Minimum balance to earn: $50,000
Balance: 2,500-24,999
Up to 0.40% APY; for Bonus Checking members; awards its best rate on highest qualifying balances; Monthly service fees:; Max transfers per month: Unlimited; Earn dividends on every cent: Yes; Can be used as Transfer Protection: Yes
Balance: $50,000+; Min to Earn Dividends: $2,000; Compounded: Monthly
Minimum balance to earn: $25,000
Balance: $25,000-$49,999; Min to Earn Dividends: $2,000; Compounded: Monthly
Minimum balance to earn: $10,000
Balance: $0-$4,999; Min to Earn Dividends: $2,000; Compounded: Monthly
Minimum balance to earn: $5,000
Up to 0.20% APY; Great rates, no qualifiers; Monthly service fees:; Max transfers per month: Unlimited; Earns dividends on every cent: Yes; Can be used as Transfer Protection: Yes
- Oct 4, 20260.15%▼ from 0.40%
- Sep 14, 20260.40%first recorded
Balance: $50,000 to $74,999.99
- Oct 4, 20260.10%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Balance: $0 - $4,999.99
Balance: $10,000 to $24,999.99
Standard interest rate tier. APYs may vary by location. Restrictions apply.
- Oct 7, 20260.05%▼ from 3.40%
- Oct 4, 20263.40%first recorded
Balance: $0.01 to $4,999.99
Balance: $0 - $9,999.99
NW Plus Internal Refinance
Balance: $0-750
Purchase & Refinance
Balance: $0 -$1,000
Balance: $250,000 - $499,999.99
Balance: $0 - $250,000.00; No monthly fee if below minimum balance; Available to organizations registered as nonprofit with the Oregon or Washington Secretary of State or providing proof of IRS tax exempt status; Interest compounded and credited monthly; Rates effective 10-12-2026
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $50,000 and up; Minimum balance to earn interest $5,000. Member is allowed 3 transactions per month to retain Money Market interest rate.
Balance: $24,999.00 & Below
- Oct 7, 20263.52%▲ from 3.02%
- Oct 2, 20263.02%▼ from 3.52%
- Sep 24, 20263.52%▲ from 3.02%
- Sep 18, 20263.02%▼ from 3.05%
Balance: $1,000,000 and above
Balance: $500,000 and above
Balance: $750,000 - $999,999
Balance: $1,000,000+
- Oct 8, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $250,000 and above
Balance: $250,000 and above
Balance: $100,000.00 and greater
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Balance: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
Balance: $1,000,000 and above
Balance: $1,000,000 and above
Balance: $500,000 - $749,999
Balance: $100,000 - 999,999
- Oct 8, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $500,000 - $999,999
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
Balance: $250,000 to $499,999.99
Balance: $250,000 and up; Method of Compounding: Daily
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999
Balance: $50,000 - 99,999
- Oct 8, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $100,000 - $249,999.99; Method of Compounding: Daily
as high as
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000 to $249,999.99
Balance: $25,000 and above
Balance: $500,000 and above
Balance: $0 - 49,999
- Oct 8, 20262.50%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $10,000 to $99,999.99
Balance: $100,000 +
Balance: $1,000,000 & higher
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge
Balance: $1,000,000 and greater
Balance: $1,000,000 and greater
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 Valley, WA Money Market Rate Trends
Compare local Spokane Valley, 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.
Washington high-yield MMA rates rose 0.011 points over the past 7 days to 3.015% APY.
Washington standard MMA rates fell 0.045 points over the past 7 days to 0.666% APY.
Spokane Valley, Washington Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current WA 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 WA high-yield money market average of 3.015% 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 Spokane Valley, Washington.
Money Market Account Earnings in Spokane Valley, Washington
Annual interest earnings at current WA 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 (3.015% APY) | Monthly Earnings | Standard MMA (0.666% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $301.53 / year | $25.13 | $66.64 / year | $5.55 |
| $25,000 | $753.82 / year | $62.82 | $166.60 / year | $13.88 |
| $50,000 | $1,507.65 / year | $125.64 | $333.20 / year | $27.77 |
| $100,000 | $3,015.30 / year | $251.28 | $666.40 / year | $55.53 |
| 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: Spokane Valley, Washington money market rate averages as of October 14, 2026. | ||||
About Our Spokane Valley, Washington Money Market Rate Database
MonitorBankRates found 9 institutions with branches in Spokane Valley (1 bank, 8 credit unions), plus 37 additional state-chartered and national online institutions available to Spokane Valley residents. 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: US Bank offers a money market account at 3.40% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Spokane Valley, Washington.
How to Find the Best Money Market Rates in Spokane Valley, Washington
What to compare when shopping for a money market account in Spokane Valley, Washington
To find the best money market APYs in Spokane Valley, Washington, start with credit unions and online-only banks: Spokane Valley, Washington has 32 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 WA high-yield money market average is 3.015% but top local institutions are offering as high as 3.40%, 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. Spokane Valley, Washington high-yield money market rates currently average 3.015% 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 Spokane Valley, Washington institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 46 institutions in Spokane Valley, Washington 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 Spokane Valley, Washington CD rates
- You don’t need check writing and want a lower minimum Spokane Valley, Washington savings rates
- You need daily transaction access Spokane Valley, Washington checking rates
Spokane Valley, Washington Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s WA high-yield money market average of 3.015%, saving 10% of the local median salary ($4,123/year) would earn an additional $124 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Spokane Valley, Washington Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Spokane Valley, Washington.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current WA Avg APY | 3.015% | View Savings Rates | 0.666%(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 Spokane Valley, Washington averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Spokane Valley, Washington 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 Spokane Valley, Washington 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 Spokane Valley, Washington
At WA’s top money market rate of 3.40% from US Bank, a $10,000 deposit earns $340 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Spokane Valley, Washington earner is roughly $10,300. At 3.015% APY in a money market account, saving $860/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountWashington’s high-yield money market average is 3.015% 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 Spokane Valley, Washington earner makes $41,230/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.015% APY.
Retirement PlannerA $25,000 money market balance earning 3.015% APY grows to roughly $45,287 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 Spokane Valley, Washington 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 Spokane Valley, 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 Valley, 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 Valley, Washington
What is a Money Market Account (MMA)?
Are Money Market accounts in Spokane Valley, Washington safe?
How often do MMA rates change in Spokane Valley, Washington?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Spokane Valley, Washington?
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 Spokane Valley, Washington for money market accounts?
Best Money Market Rates in Spokane Valley, Washington
- US Bank
Elite Money Market Account: 3.40% APY - Spokane Teachers Credit Union
Member Preferred Money Market: 2.79% APY - Governmental Employees Credit Union
Elite Money Market: 2.50% APY - Washington State Employees Credit Union
Money Market accounts: 1.25% APY - Idaho Central Credit Union
Money Market Savings: 1.00% APY
Spokane Valley, Washington Rates & Resources
