Best Money Market Rates in Tempe, Arizona - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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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: 7.26% Money Market at 3.90% APY, First Internet Bank of IndianaFirst Internet Bank of Indiana51 W 3rd St, Tempe, AZ 85281A+5.0 ★Texas Ratio: 1.39% Money Market Savings at 3.64% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union111 W Rio Salado Pkwy, Tempe, AZ 85281B4.4 ★Texas Ratio: 17.71% Money Market Plus at 3.25% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ 85282 1893A+5.0 ★Texas Ratio: 1.51% Traditional/Roth IRA Money Market at 1.75% APY, and Landings Credit UnionLandings Credit Union2800 S Mill Ave, Tempe, AZ 85282A+5.0 ★Texas Ratio: 4.51% Money Market at 1.50% APY. Money market rates as of July 6, 2026 according to verified data from MonitorBankRates.
Tempe has 5 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 — 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: July 6, 2026
Compare the Best Money Market Rates Today in Tempe, Arizona & the Surrounding Area
3.09% APY with a daily balance of $1,000,000 or less; 3.64% APY with a daily balance above $1,000,000; 3.05% interest rate with a daily balance of $1,000,000 or less; 3.58% interest rate with a daily balance above $1,000,000; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate Up to $10 per month
Earn 5x the national average. To avoid a monthly maintenance fee, you must maintain an average daily balance of $4,000.00.
3.09% APY with a daily balance of $1,000,000 or less; 3.64% APY with a daily balance above $1,000,000; 3.05% interest rate with a daily balance of $1,000,000 or less; 3.58% interest rate with a daily balance above $1,000,000; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate Up to $10 per month
Qualifying balance up to $4,999.99
Qualifying balance $250,000+
Qualifying balance up to $249,999.99
Qualifying balance up to $49,999.99
Qualifying balance up to $24,999.99
Qualifying balance up to $9,999.99
Qualifying balance up to $1,999.99
Balance range: $500,000 and over
introductory rate
Tiered balance; $24,999.01 & Above
Balance Tier: $250,000.00 and up
Tiered balance; $24,999.00 & Below
APY for 6 months
Elite Money Market Savings*
APY is variable and may change after account is opened. If fees are applied, earnings may be reduced. Not available for business accounts. There is a $5 fee for each withdrawal over 6 in a monthly statement period.
Tiered balance; $100,000.00 & Greater
Tiered balance; $50,000.00 - $99,999.99
Tiered balance; $25,000.00 - $49,999.99
$100,000.00 and up
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 currently average 3.250% APY.
Arizona standard MMA rates currently average 0.942% APY.
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?
Best Money Market Rates in Tempe, Arizona
- America First Federal Credit Union
Money Market — 3.90% APY - First Internet Bank of Indiana
Money Market Savings — 3.64% APY - UNIFY Financial Federal Credit Union
Money Market Plus — 3.25% APY - Firefighters First Federal Credit Union
Traditional/Roth IRA Money Market — 1.75% APY - Landings Credit Union
Money Market — 1.50% APY
