Surprise, Arizona Money Market Rates for October 2026
Brian McKay
Brian McKay
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Surprise, Arizona money market account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Surprise, Arizona and the surrounding area money market deposit account rates include Academy BankAcademy Bank16324 W Pat Tillman Blvd, Surprise, AZ 85387A+5.0 ★Texas Ratio: 5.08%Real return: -0.05%APY minus 3.7% CPIRate verified Oct 31, 2026 Premier Money Market at 3.65% APY, US BankUS Bank17049 W Bell Rd, Surprise, AZ 85374A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Elite Money Market Account at 3.40% APY, Vio BankVio Bank15451 W Waddell Rd, Surprise, AZ 85379A+5.0 ★Texas Ratio: 4.93%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Cornerstone Money Market Savings Account at 3.40% APY, Credit Union West Credit UnionCredit Union West Credit Union16765 N Litchfield Rd, Surprise, AZ 85374A+5.0 ★Texas Ratio: 2.78%Real return: -0.80%APY minus 3.7% CPIRate verified Oct 30, 2026 Business Money Market at 2.90% APY, and SunWest Federal Credit UnionSunWest Federal Credit Union14865 W Bell Rd, Surprise, AZ 85374 7600A+5.0 ★Texas Ratio: 2.68%Real return: -1.07%APY minus 3.7% CPIRate verified Oct 28, 2026 Money Market at 2.63% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Surprise has 8 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 16324 W Pat Tillman Blvd, Surprise, AZ 85387. 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 Surprise, Arizona and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Surprise, Arizona & the Surrounding Area
Promotional introductory APY for 6 months on a new Premier Money Market account; requires $15,000 minimum new money to Academy Bank that cannot be transferred from an existing account; maximum promotional deposit $3,000,000; $1,000 minimum balance per statement cycle avoids $10 monthly service charge; APY accurate as of 10/30/2026
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; $5 monthly fee if you receive paper statements; Online account opening
Balance: $1,000,000+
Balance: $1,000,000+; Minimum balance to avoid service fee:
Balance: $500,000-$999,999
Balance: $500,000-$999,999; Minimum balance to avoid service fee:
Balance: $250,000-$499,999
Balance: $250,000-$499,999; Minimum balance to avoid service fee:
Balance: $250,000.00 and up; $1,000 minimum to earn dividends
- Oct 8, 20262.63%▲ from 2.53%
- Sep 16, 20262.53%first recorded
Balance: $100,000-$249,999
Balance: $100,000-$249,999; Minimum balance to avoid service fee:
Balance: $100,000.00 to $249,999.99; $1,000 minimum to earn dividends
- Oct 8, 20262.37%▲ from 2.27%
- Sep 16, 20262.27%first recorded
Balance: $75,000-$99,999
Balance: $75,000-$99,999; Minimum balance to avoid service fee:
Minimum to earn APY: $500,000; Monthly service fee $15 if daily balance drops below $2,000
Balance: $250,000 and up
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: $500,000 +; Open Online; $1,000 minimum to avoid $10 monthly service charge
Minimum to earn APY: $250,000; Monthly service fee $15 if daily balance drops below $2,000
Balance: $50,000.00 to $99,999.99; $1,000 minimum to earn dividends
- Oct 8, 20261.91%▲ from 1.81%
- Sep 16, 20261.81%first recorded
Balance: $50,000-$74,999
Balance: $50,000-$74,999; Minimum balance to avoid service fee:
Balance: $25,000.00 to $49,999.99; $1,000 minimum to earn dividends
- Oct 8, 20261.66%▲ from 1.56%
- Sep 16, 20261.56%first recorded
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: $250,000 - $499,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $100,000 - $249,999.99
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: $90,000 - $249,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Minimum to earn APY: $50,000; Monthly service fee $15 if daily balance drops below $2,000
Balance: $10,000.00 to $24,999.99; $1,000 minimum to earn dividends
- Oct 8, 20261.41%▲ from 1.31%
- Sep 16, 20261.31%first recorded
Balance: $2,500-$24,999
- Sep 18, 20261.40%▲ from 1.30%
- Sep 14, 20261.30%first recorded
Balance: $2,500-$24,999; Minimum balance to avoid service fee:
Balance: < $2,500
Balance: < $2,500; Minimum balance to avoid service fee:
Balance: $1,000.00 to $9,999.99; $1,000 minimum to earn dividends
- Oct 8, 20261.26%▲ from 1.16%
- Sep 16, 20261.16%first recorded
Balance: $50,000 - $99,999.99
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Minimum to earn APY: $25,000; Monthly service fee $15 if daily balance drops below $2,000
Balance: $90,000 +; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $25,000 - $49,999.99
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: $10,000 - $24,999.99
Balance: $0.01 to $9,999.99
Minimum to earn APY: $1,000; Monthly service fee $15 if daily balance drops below $2,000
Balance: Over $2,000,000
Balance: Over $2,000,000
Balance: < $100,000; Minimum balance to avoid service fee:
Balance: $1,000,000 - $1,999,999.99
Balance: $1,000,000 - $1,999,999.99
Balance: $300,000 - $999,999.99
Balance: $300,000 - $999,999.99
Balance: $100,000 - $299,999.99
Balance: $100,000 - $299,999.99
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $10 monthly service charge; Open Online
Balance: $15,000 +; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
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
Balance: $1,000 - $14,999; Open Online; $1,000 minimum to earn interest and avoid $10 monthly service charge
Balance: $5,000 - $14,999.99
Balance: $2,500 - $14,999.99
Balance: $0 to $9,999.99; Standard interest rate tier
Balance: $0 -$1,000
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Balance: $500,000 and over
Promotional rate as high as 4.00% APY for 6 months; promotion runs August 1, 2026 to November 30, 2026; requires new money (external funds) funded within 10 business days; after promotional period reverts to standard variable rate; business HYMM accounts and employees/board members not eligible
Balance: $0 - $1,000.00; Tiered balances earn tiered rates
Balance: $0 - $1,000
- Oct 20, 20263.93%▼ from 4.00%
- Sep 24, 20264.00%first recorded
Balance: $1,000,000 and over
Balance: $1,000,000.00 and over; Open Online
Balance: above $5,000,000; Balance Optimizer
Balance: $1,000,000.01 and over; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
Balance: $24,999.01 and over; Rates stated in homepage promotional text
Balance: $100,000+; Welcome Money Market Promo; Requires deposit of $100,000+ in new money with Account Bundle; Only available at our Rochester and Williamsville, New York locations
Balance: $3,000,000.00 and above
Balance: $1,000,000 and above
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Suffix: 8, 18; Balance: $1,000,000 and above
- Oct 6, 20263.75%▲ from 3.50%
- Sep 27, 20263.50%first recorded
Balance: $1,000,000 and over
Balance: >$1,000,000; Fee $15; Daily balance of $1,500 required to earn interest
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $250,000 - $999,999.99
Balance: $250,000.00-$999,999.99; Open Online
Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $125,000 and up; Relationship Rate APY
Balance: $0 - $99,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $150,000 to $249,999; Last Updated: December 31, 2025
Balance: $250,000 - $999,999
Balance: $250,000.00 and up; APY(s) accurate as of 10/02/2026; tier based on average daily balance
Balance: $500,000 to $999,999.99
- Oct 6, 20263.25%▲ from 3.00%
- Sep 27, 20263.00%first recorded
Suffix: 8, 18; Balance: $500,000 to $999,999.99
- Oct 6, 20263.25%▲ from 3.00%
- Sep 27, 20263.00%first recorded
Balance: $0.00 - $1,000,000.00; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
Money Market Savings Rate; Avoid monthly maintenance fee with average daily balance of $4,000; Apply online
Balance: $400k - $999,999.99; Fee $15; Daily balance of $1,500 required to earn interest
APY for 6 months
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.
Surprise, AZ Money Market Rate Trends
Compare local Surprise, 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 rose 0.021 points over the past 7 days to 3.220% APY.
Arizona standard MMA rates rose 0.012 points over the past 7 days to 0.803% APY.
Surprise, 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 3.220% 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 Surprise, Arizona.
Money Market Account Earnings in Surprise, 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 (3.220% APY) | Monthly Earnings | Standard MMA (0.803% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $322.00 / year | $26.83 | $80.32 / year | $6.69 |
| $25,000 | $805.00 / year | $67.08 | $200.80 / year | $16.73 |
| $50,000 | $1,610.00 / year | $134.17 | $401.60 / year | $33.47 |
| $100,000 | $3,220.00 / year | $268.33 | $803.20 / year | $66.93 |
| 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: Surprise, Arizona money market rate averages as of October 31, 2026. | ||||
About Our Surprise, Arizona Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Surprise (5 banks, 3 credit unions), plus 27 additional state-chartered and national online institutions available to Surprise 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: Academy Bank offers a money market account at 3.65% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Surprise, Arizona.
How to Find the Best Money Market Rates in Surprise, Arizona
What to compare when shopping for a money market account in Surprise, Arizona
To find the best money market APYs in Surprise, Arizona, start with credit unions and online-only banks: Surprise, Arizona has 18 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 3.220% but top local institutions are offering as high as 3.65%, 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. Surprise, Arizona high-yield money market rates currently average 3.220% 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 Surprise, Arizona institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 35 institutions in Surprise, Arizona report money market rates to our database.
- You’re among Surprise, Arizona’s 22.2% 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 Surprise, Arizona CD rates
- You don’t need check writing and want a lower minimum Surprise, Arizona savings rates
- You need daily transaction access Surprise, Arizona checking rates
Surprise, Arizona Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
22.2% 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. At today’s AZ high-yield money market average of 3.220%, saving 10% of the local median salary ($4,822/year) would earn an additional $155 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Surprise, Arizona Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Surprise, Arizona.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AZ Avg APY | 3.220% | View Savings Rates | 0.803%(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 Surprise, Arizona averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Surprise, 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 Surprise, 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 Surprise, Arizona
At AZ’s top money market rate of 3.65% from Academy Bank, a $10,000 deposit earns $365 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Surprise, Arizona earner is roughly $12,100. At 3.220% APY in a money market account, saving $1,000/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 3.220% 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 Surprise, Arizona earner makes $48,225/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.220% APY.
Retirement PlannerA $25,000 money market balance earning 3.220% APY grows to roughly $47,121 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 Surprise, 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 Surprise, 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 Surprise, 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 Surprise, Arizona
What are money market account rates in Surprise, Arizona today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Surprise, Arizona safe?
How often do MMA rates change in Surprise, Arizona?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Surprise, 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 Surprise, Arizona for money market accounts?
Best Money Market Rates in Surprise, Arizona
- Academy Bank
Premier Money Market: 3.65% APY - US Bank
Elite Money Market Account: 3.40% APY - Vio Bank
Cornerstone Money Market Savings Account: 3.40% APY - Credit Union West Credit Union
Business Money Market: 2.90% APY - SunWest Federal Credit Union
Money Market: 2.63% APY
Surprise, Arizona Rates & Resources
