Best Money Market Rates in Apache Junction, Arizona (AZ) - May 2026
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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.
Current Apache Junction, Arizona and the surrounding area money market deposit account rates include Mountain America Federal Credit UnionMountain America Federal Credit Union220 E Old West Hwy, Apache Junction, AZ 85119A5.0 ★Texas Ratio: 11.38% Money market at 3.55% APY, Desert Financial Credit UnionDesert Financial Credit Union150 E Old West Hwy, Apache Junction, AZ 85119 0002A+5.0 ★Texas Ratio: 1.59% Jumbo Money Market at 3.25% APY, Pima Federal Credit UnionPima Federal Credit UnionA+5.0 ★Texas Ratio: 2.69% Non-Profit Money Market at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, and Academy BankAcademy BankA+5.0 ★Texas Ratio: 5.58% Premier Money Market at 3.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Apache Junction has 2 local institutions in our database, with money market rates as high as 3.55% APY from Mountain America Federal Credit Union at 220 E Old West Hwy, Apache Junction, AZ 85119. Use the table below to compare all available offers, including options from institutions serving the broader Arizona area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Apache Junction, Arizona and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Apache Junction, Arizona & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Jumbo Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
1.60%
$0
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Desert Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ 85119 0002
Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $9,999.00
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
220 E Old West Hwy, Apache Junction, AZ 85119
Money market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Non-Profit Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market Savings Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market Accounts
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
introductory rate
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings
3.64%
$100
▼
Rate3.58%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$1,000,000
▼
Rate3.36%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 10, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Savings
3.31%
$0
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
High Yield Money Markets
3.26%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
High Yield Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
as high as; Rates increase as balance increases
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings
3.09%
$100
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $1,000,000.00
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Savings Rate
3.09%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Earn 5x the national average**
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$750,000
▼
Rate3.02%
Min Deposit$750,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
High Yield Money Markets
3.01%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings
3.01%
$50
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings*
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Business Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GB BIZ MONEY MARKET BUSINESS*
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GB MONEY MARKET PERSONAL*
3.00%
$1,000
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market Accounts
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Money Market Savings Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
High Yield Money Market
3.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Minimum $250,000
American Southwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
MAX Money Market
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
and up
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Non-Profit Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market Account2
2.95%
$0
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market
2.95%
$0
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market Account2
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.90%
$500,000
▼
Rate2.87%
Min Deposit$500,000
Min Balance—
UpdatedMay 10, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Savings
2.82%
$0
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market Account2
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
High Yield Money Market
2.75%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Minimum $100,000
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.65%
$250,000
▼
Rate2.62%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Jumbo Money Market Account2
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
No term limitations; Deposit or withdraw cash as needed; Free checks & ATM access
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Minimum $50,000
American Southwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
MAX Money Market
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Savings
2.08%
$0
▼
Rate2.06%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $999,999.99
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $499,999.99
Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $99,999.99
Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
MONEY MARKET PLUS PERSONAL & BUSINESS*
1.10%
$1,000
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Star High Yield Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
MONEY MARKET PLUS PERSONAL & BUSINESS*
1.00%
$1,000
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $99,999.99
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MonitorBankRates
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 Apache Junction, Arizona 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.
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.
Apache Junction, AZ Money Market Rate Trends
Compare local Apache Junction, AZ 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.
High-Yield MMA — AZ Avg
3.177%
Unchanged vs 7 days ago
Arizona high-yield MMA rates currently average 3.177% APY.
Standard MMA — AZ Avg
0.942%
Unchanged vs 7 days ago
Arizona standard MMA rates currently average 0.942% APY.
As of May 12, 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 Apache Junction, Arizona 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 Apache Junction, Arizona. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in AZ.
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 Apache Junction, Arizona
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 Arizona.
Are Money Market accounts in Apache Junction, Arizona 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 Arizona up to $250,000 per depositor, per institution.
How often do MMA rates change in Apache Junction, Arizona?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Arizona 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 Apache Junction, Arizona?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Apache Junction, Arizona 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 Apache Junction, Arizona
Here are some of the highest money market account APYs currently available in Apache Junction, Arizona and the surrounding area:
- Mountain America Federal Credit Union
Money market — 3.55% APY - Desert Financial Credit Union
Jumbo Money Market — 3.25% APY - Pima Federal Credit Union
Non-Profit Money Market — 4.00% APY - America First Federal Credit Union
Money Market — 3.90% APY - Academy Bank
Premier Money Market — 3.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Apache Junction, Arizona. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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