Tempe, Arizona Money Market Rates - October 2026
Brian McKay
Brian McKay
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Tempe, Arizona money market account rates range from 0.01% to 3.90% APY, verified by MonitorBankRates as of October 13, 2026. Current Tempe, Arizona and the surrounding area money market deposit account rates include America First Federal Credit UnionAmerica First Federal Credit Union1511 N Project Dr, Tempe, AZ 85288 1761A5.0 ★Texas Ratio: 8.33%Real return: +1.10%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 3.90% APY, First Internet Bank of IndianaFirst Internet Bank of Indiana51 W 3rd St, Tempe, AZ 85281A5.0 ★Texas Ratio: 10.17%Real return: +1.08%APY minus 2.8% CPI (February 2026) Business Money Market Savings at 3.88% APY, Crescent BankCrescent Bank960 W Elliot Rd, Tempe, AZ 85284A+5.0 ★Texas Ratio: 3.24%Real return: +0.70%APY minus 2.8% CPI (February 2026) Benefits of a Money Market Account at 3.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union111 W Rio Salado Pkwy, Tempe, AZ 85281A-5.0 ★Texas Ratio: 14.54%Real return: +0.65%APY minus 2.8% CPI (February 2026) Premier Money Market at 3.45% APY, and US BankUS Bank1800 E Baseline Rd, Tempe, AZ 85283A+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. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Tempe has 14 local institutions in our database, with money market rates as high as 3.90% APY from America First Federal Credit Union at 1511 N Project Dr, Tempe, AZ 85288 1761. 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 Tempe, Arizona and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Tempe, Arizona & the Surrounding Area
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $1,000,000.00+; Open Online
- Oct 13, 20263.90%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance Optimizer
Balance: above $5,000,000
- Sep 30, 20263.88%▲ from 3.64%
- Sep 9, 20263.64%first recorded
Balance: $100,000 - $249,999.99
Balance: $500,000.00 - or more
Balance: $250,000 - $999,999.99
- Oct 9, 20263.45%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $250,000.00-$999,999.99; Open Online
- Oct 13, 20263.45%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $25,000 - $49,999.99
All Balances
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $100,000.00 - $149,999.99
Balance: $0 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Annual Percentage Yield: 3.09% with a daily balance of $1,000,000 or less; Interest rate: 3.05% with a daily balance of $1,000,000 or less; Monthly maintenance fee: $5; Average daily balance to avoid fee: $4,000; ATM surcharge rebate Up to $10 per month: YES
- Oct 6, 20263.09%▼ from 3.88%
- Sep 30, 20263.88%first recorded
Supercharge your piggy bank. More interest means more savings - it's just that simple with our FDIC-insured*, high-interest Money Market accounts.
Balance: $5,000,000 or below
- Sep 30, 20262.94%▼ from 3.64%
- Sep 9, 20263.64%first recorded
Balance: $100,000 - $249,999.99
Balance: $100,000.00-$249,999.99; Open Online
- Oct 13, 20262.70%▲ from 1.00%
- Sep 14, 20261.00%first recorded
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: $100,000.00 and over; Apply Now
Balance: $100,000.00 and over; Contact Us
Balance: $50,000 - $99,999.99
Balance: $50,000.00-$99,999.99; Open Online
- Oct 13, 20262.05%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $250,000 and over; When rewards checking requirements are met
Balance: $25,000 - $49,999.99
Balance: $25,000.00-$49,999.99; Open Online
- Oct 13, 20261.80%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $100,000 and over
Balance: $100,000.00 and Over
Balance: $75,000 - $99,999.99
Balance: $75,000.00 - $99,999.99
Balance: $50,000 - $74,999.99
Balance: $50,000.00 - $74,999.99
Balance: $100,000 - $249,999; When rewards checking requirements are met
Balance: $2,500 - $49,999.99
Balance: $2,500.00 - $49,999.99
Balance: $50,000.00 and over; Apply Now
Balance: $50,000.00 and over; Contact Us
Balance: $250,000 and over
Balance: $250,000+ (top tier; lower tiers start at 0.20% APY for $0.01-$9,999.99 - full tier table not verified)
Balance: $250,000 and over
Balance: $50,000 - $99,999; When rewards checking requirements are met
Balance: $10,000 - $24,999.99
Balance: $10,000.00-$24,999.99; Open Online
- Oct 13, 20261.25%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $100,000 - $249,999.99
Balance: $5,000 - $9,999.99
Balance: $5,000.00-$9,999.99; Open Online
- Oct 13, 20261.10%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $100,000 - $249,999.99
Balance: $0.01 - $4,999.99
Balance: $0-$4,999.99; Open Online
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999; When rewards checking requirements are met
Balance: $100,000.00 or more; Savings Account Rates as of October 2026
Balance: $10,000.00 and over; Apply Now
Balance: $10,000.00 and over; Contact Us
Balance: $10,000 - $24,999; When rewards checking requirements are met
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $1.00 - $9,999.99
Balance: $1.00 - $9,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
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: $1.00 - $9,999.99
Balance: $0 - $9,999.99
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
Introductory rate for 6 months. New money to Academy Bank required. Maximum deposit eligible for promotional rate is $3,000,000. Monthly service charge of $10 applies if minimum balance of $1,000 is not maintained.
Balance: >$1,000,000
- Oct 7, 20263.57%▲ from 3.31%
- Sep 18, 20263.31%first recorded
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: $400k - $999,999.99
- Oct 7, 20263.08%▲ from 2.82%
- Sep 18, 20262.82%first recorded
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
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.
Tempe, AZ Money Market Rate Trends
Compare local Tempe, 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.
Tempe, 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 Tempe, Arizona.
Money Market Account Earnings in Tempe, 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: Tempe, Arizona money market rate averages as of October 14, 2026. | ||||
About Our Tempe, Arizona Money Market Rate Database
MonitorBankRates found 14 institutions with branches in Tempe (5 banks, 9 credit unions), plus 13 additional state-chartered and national online institutions available to Tempe 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: America First Federal Credit Union offers a money market account at 3.90% APY. Use the rate table above to compare all current offers in Tempe, Arizona.
How to Find the Best Money Market Rates in Tempe, Arizona
What to compare when shopping for a money market account in Tempe, Arizona
To find the best money market APYs in Tempe, Arizona, start with credit unions and online-only banks: Tempe, Arizona has 17 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 3.90%, 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. Tempe, 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 Tempe, Arizona institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 27 institutions in Tempe, Arizona 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 Tempe, Arizona CD rates
- You don’t need check writing and want a lower minimum Tempe, Arizona savings rates
- You need daily transaction access Tempe, Arizona checking rates
Tempe, Arizona Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.1% of residents are 65 or older, below the national average of 17.3%. At today’s AZ high-yield money market average of 3.172%, saving 10% of the local median salary ($4,176/year) would earn an additional $132 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Tempe, Arizona Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Tempe, 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 Tempe, 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.
Tempe, 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 Tempe, 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 Tempe, Arizona
At AZ’s top money market rate of 3.90% from America First Federal Credit Union, a $10,000 deposit earns $390 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Tempe, Arizona earner is roughly $10,400. At 3.172% APY in a money market account, saving $870/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 Tempe, Arizona earner makes $41,769/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 Tempe, 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 Tempe, 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 Tempe, 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 Tempe, Arizona
What is a Money Market Account (MMA)?
Are Money Market accounts in Tempe, Arizona safe?
How often do MMA rates change in Tempe, Arizona?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Tempe, 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 Tempe, Arizona for money market accounts?
Best Money Market Rates in Tempe, Arizona
- America First Federal Credit Union
Business Money Market Savings: 3.90% APY - First Internet Bank of Indiana
Business Money Market Savings: 3.88% APY - Crescent Bank
Benefits of a Money Market Account: 3.50% APY - UNIFY Financial Federal Credit Union
Premier Money Market: 3.45% APY - US Bank
Elite Money Market Account: 3.40% APY
Tempe, Arizona Rates & Resources
