Scottsdale, Arizona 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
Scottsdale, Arizona money market account rates range from 0.10% to 4.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Scottsdale, Arizona and the surrounding area money market deposit account rates include Pima Federal Credit UnionPima Federal Credit Union7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593A+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, Sunflower BankSunflower Bank7047 E Greenway Pkwy, Scottsdale, AZ 85254A5.0 ★Texas Ratio: 10.77%Real return: +1.05%APY minus 2.8% CPI (February 2026) Velocity Money Market at 3.85% APY, Southwest Heritage BankSouthwest Heritage Bank8777 E Hartford Dr, Scottsdale, AZ 85255A+5.0 ★Texas Ratio: 2.21%Real return: +0.95%APY minus 2.8% CPI (February 2026) Business PremiumPlus Money Market at 3.75% APY, Academy BankAcademy Bank7150 E Camelback Rd, Scottsdale, AZ 85251A+5.0 ★Texas Ratio: 5.08%Real return: +0.85%APY minus 2.8% CPI (February 2026) Premier Money Market Account at 3.65% APY, and Gainey Business BankGainey Business Bank8501 N Scottsdale Rd, Scottsdale, AZ 85253A+5.0 ★Texas Ratio: 0.49%Real return: +0.77%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 3.57% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Scottsdale has 15 local institutions in our database, with money market rates as high as 4.00% APY from Pima Federal Credit Union at 7373 N Scottsdale Rd Ste A195, Scottsdale, AZ 85253 3593. Use the table below to compare all available offers, including options from institutions serving the broader Arizona area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Scottsdale, Arizona and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Scottsdale, Arizona & the Surrounding Area
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $24,999.01 & Above
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Promotional introductory rate for 6 months on a new Premier Money Market account; requires minimum $15,000 new money to Academy Bank that cannot be transferred from an existing Academy Bank account; maximum deposit eligible for promotional rate $3,000,000; APY accurate as of 10/14/2026; rate may change after account is opened
Balance: >$1,000,000; Tier 6
- Oct 7, 20263.57%▲ from 3.31%
- Sep 18, 20263.31%first recorded
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
Balance: $400k - $999,999.99; Tier 5
- Oct 7, 20263.08%▲ from 2.82%
- Sep 18, 20262.82%first recorded
Balance: $24,999.00 & Below
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000 - $49,999.99
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $1,000,000+
Balance: $1,000,000+; Min. balance to avoid service fee:
Balance: $500,000-$999,999
Balance: $500,000-$999,999; Min. balance to avoid service fee:
Balance: $250,000.00 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000-$499,999
Balance: $250,000-$499,999; Min. balance to avoid service fee:
Balance: $100,000-$249,999
Balance: $100,000-$249,999; Min. balance to avoid service fee:
Money market accounts are a tiered variable rate and subject to change at any time. In order to avoid the monthly maintenance fee (see Fee Schedule ), your account balance must be at least equal to $1,000 on the last calendar day of the month. Fees could reduce earnings.
- Oct 9, 20262.48%▲ from 2.43%
- Sep 14, 20262.43%first recorded
Balance: $100k - $399,999.99; Tier 4
- Oct 7, 20262.34%▲ from 2.08%
- Sep 18, 20262.08%first recorded
Balance: $75,000-$99,999
Balance: $75,000-$99,999; Min. balance to avoid service fee:
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $500,000 +; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $250,000 and over; When rewards checking requirements are met
Balance: $100,000 - $249,999.99
Balance: $50,000-$74,999
Balance: $50,000-$74,999; Min. balance to avoid service fee:
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $100,000 - $249,999; When rewards checking requirements are met
Balance: $250,000 - $499,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $90,000 - $249,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $2,500-$24,999
- Sep 18, 20261.40%▲ from 1.30%
- Sep 14, 20261.30%first recorded
Balance: $2,500-$24,999; Min. balance to avoid service fee:
Balance: $50,000 - $99,999; When rewards checking requirements are met
Balance: < $2,500
Balance: < $2,500; Min. balance to avoid service fee:
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $25,000 - $99,999.99; Tier 3
- Oct 7, 20261.06%▲ from 0.85%
- Sep 18, 20260.85%first recorded
Balance: $250,000.00 and above
Balance: $50,000.00 - $99,999.99
Balance: $250,000 and above
Balance: $50,000 - $99,999.99
Balance: $15,000 and over; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $1,000 - $49,999.99
Balance: $1,000 - $99,999.99
Balance: $25,000 - $49,999; When rewards checking requirements are met
Balance: $1,000 - $49,999.99
Balance: $90,000 and over; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $10,000 - $24,999; When rewards checking requirements are met
Balance: $1,500 - $24,999.99; Tier 2
- Oct 7, 20260.85%▲ from 0.60%
- Sep 18, 20260.60%first recorded
Balance: $1,000 - $89,999; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $1,000 - $49,999.99
Balance: $1,000 - $49,999.99
Minimum balance to earn: $250,000
Minimum balance to earn: $100,000
Balance: Over $2,000,000
- Sep 20, 20260.44%▲ from 0.33%
- Sep 14, 20260.33%first recorded
Balance: Over $2,000,000
- Sep 20, 20260.44%▲ from 0.33%
- Sep 14, 20260.33%first recorded
Minimum balance to earn: $50,000
Balance: < $100,000; Min. balance to avoid service fee:
Balance: $1,000,000 - $1,999,999.99
- Sep 20, 20260.34%▲ from 0.29%
- Sep 14, 20260.29%first recorded
Balance: $1,000,000 - $1,999,999.99
- Sep 20, 20260.34%▲ from 0.29%
- Sep 14, 20260.29%first recorded
Balance: $300,000 - $999,999.99
- Sep 20, 20260.32%▲ from 0.27%
- Sep 14, 20260.27%first recorded
Balance: $300,000 - $999,999.99
- Sep 20, 20260.32%▲ from 0.27%
- Sep 14, 20260.27%first recorded
Balance: $100,000 - $299,999.99
- Sep 20, 20260.31%▲ from 0.26%
- Sep 14, 20260.26%first recorded
Balance: $100,000 - $299,999.99
- Sep 20, 20260.31%▲ from 0.26%
- Sep 14, 20260.26%first recorded
Minimum balance to earn: $25,000
Minimum balance to earn: $10,000
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Minimum balance to earn: $5,000
Balance: $15,000 - $49,999.99
Balance: $15,000 - $49,999.99
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
- Oct 4, 20260.15%▼ from 0.40%
- Sep 14, 20260.40%first recorded
- Oct 4, 20260.10%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Balance: $0 - $9,999; When rewards checking requirements are met
Balance: $0 -$1,000
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.
Scottsdale, AZ Money Market Rate Trends
Compare local Scottsdale, 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.
Arizona high-yield MMA rates fell 0.006 points over the past 7 days to 3.172% APY.
Arizona standard MMA rates fell 0.018 points over the past 7 days to 0.749% APY.
Scottsdale, Arizona Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current AZ 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 AZ high-yield money market average of 3.172% 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 Scottsdale, Arizona.
Money Market Account Earnings in Scottsdale, Arizona
Annual interest earnings at current AZ 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 (3.172% APY) | Monthly Earnings | Standard MMA (0.749% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.17 / year | $26.43 | $74.91 / year | $6.24 |
| $25,000 | $792.93 / year | $66.08 | $187.28 / year | $15.61 |
| $50,000 | $1,585.85 / year | $132.15 | $374.55 / year | $31.21 |
| $100,000 | $3,171.70 / year | $264.31 | $749.10 / year | $62.43 |
| 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: Scottsdale, Arizona money market rate averages as of October 14, 2026. | ||||
About Our Scottsdale, Arizona Money Market Rate Database
MonitorBankRates found 15 institutions with branches in Scottsdale (10 banks, 5 credit unions), plus 15 additional state-chartered and national online institutions available to Scottsdale 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: Pima Federal Credit Union offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Scottsdale, Arizona.
How to Find the Best Money Market Rates in Scottsdale, Arizona
What to compare when shopping for a money market account in Scottsdale, Arizona
To find the best money market APYs in Scottsdale, Arizona, start with credit unions and online-only banks: Scottsdale, Arizona has 15 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 AZ high-yield money market average is 3.172% 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. Scottsdale, Arizona high-yield money market rates currently average 3.172% 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 Scottsdale, Arizona institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 30 institutions in Scottsdale, Arizona report money market rates to our database.
- You’re among Scottsdale, Arizona’s 26.4% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Scottsdale, Arizona CD rates
- You don’t need check writing and want a lower minimum Scottsdale, Arizona savings rates
- You need daily transaction access Scottsdale, Arizona checking rates
Scottsdale, Arizona Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
26.4% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s AZ high-yield money market average of 3.172%, saving 10% of the local median salary ($6,679/year) would earn an additional $212 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Scottsdale, Arizona Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Scottsdale, Arizona.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AZ Avg APY | 3.172% | View Savings Rates | 0.749%(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 Scottsdale, Arizona 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.
Scottsdale, Arizona 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 Scottsdale, Arizona 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 Scottsdale, Arizona
At AZ’s top money market rate of 4.00% from Pima Federal Credit Union, 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 Scottsdale, Arizona earner is roughly $16,700. At 3.172% APY in a money market account, saving $1,390/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountArizona’s high-yield money market average is 3.172% 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 Scottsdale, Arizona earner makes $66,796/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.172% APY.
Retirement PlannerA $25,000 money market balance earning 3.172% APY grows to roughly $46,682 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 Scottsdale, Arizona 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 Scottsdale, 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 Scottsdale, 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 Scottsdale, Arizona
What is a Money Market Account (MMA)?
Are Money Market accounts in Scottsdale, Arizona safe?
How often do MMA rates change in Scottsdale, Arizona?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Scottsdale, Arizona?
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 Scottsdale, Arizona for money market accounts?
Best Money Market Rates in Scottsdale, Arizona
- Pima Federal Credit Union
Business Money Market: 4.00% APY - Sunflower Bank
Velocity Money Market: 3.85% APY - Southwest Heritage Bank
Business PremiumPlus Money Market: 3.75% APY - Academy Bank
Premier Money Market Account: 3.65% APY - Gainey Business Bank
Business Money Market Savings: 3.57% APY
Scottsdale, Arizona Rates & Resources
