Best Money Market Rates in Arkansas - August 2026
Brian McKay
Brian McKay
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Current Arkansas money market deposit account rates include First Service BankFirst Service Bank134 S Broadview St, Greenbrier, AR 72058A+5.0 ★Texas Ratio: 2.08%Real return: +1.84%APY minus 2.8% CPI (February 2026) Personal Premier Money Market Account at 4.64% APY, United Federal Credit UnionUnited Federal Credit Union8900 Jenny Lind Rd, Fort Smith, AR 72908 8628A+5.0 ★Texas Ratio: 3.13%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY, Academy BankAcademy Bank4301 South Jb Hunt Dr Ste 140, Rogers, AR 72758A+5.0 ★Texas Ratio: 5.58%Real return: +0.85%APY minus 2.8% CPI (February 2026) Premier Money Market Account at 3.65% APY, Orion Federal Credit UnionOrion Federal Credit Union1201 W 3rd ST, Little Rock, AR 72201 1903A+5.0 ★Texas Ratio: 2.33%Real return: +0.70%APY minus 2.8% CPI (February 2026) Premium Money Market at 3.50% APY, and Baxter Credit UnionBaxter Credit Union1900 Highway 201 N, Mountain Home, AR 72653A5.0 ★Texas Ratio: 7.04%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Special at 3.50% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Arkansas side-by-side. Arkansas money market rates currently reach as high as 4.64% APY from First Service Bank at 134 S Broadview St, Greenbrier, AR 72058. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Arkansas and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Arkansas
Balances up to $20,000.00. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
interest on balances up to $20,0002; Fee waived with E-Statement enrollment3
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
Promotional rate is effective for 6 months from the opening date of a new Premier Money Market account. To receive the introductory rate, account must be opened with a minimum of $15,000 or for existing Money Market accounts, a minimum additional deposit of $15,000 is required that cannot be transferred from an existing account. Maximum deposit eligible for promotional rate is $3,000,000. The rate may change after the account is opened. Fees charged to the account could reduce the earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid. The interest rate and annual percentage yield is subject to change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. 6 transactions per statement cycle allowed.
FOR BALANCES OVER $100,000. Earn dividends on balances over $100,000. No monthly service fee
Intro rate APY 3.50%
$15,000+; Intro rate
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Effective Date 08/13/2026
Monthly Service Charge: $20 Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Waived with $100,000 minimum daily balance. Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
$5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
APY = Annual Percentage Yield. The Personal Premier Money Market is a variable tiered account. Rates are accurate as of 11-15-24 and can change at any time. Fees may reduce earnings. Offer is subject to change. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Earn a 2.50% APY bonus with qualifying Ultra Checking activities. Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
$5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
APY = Annual Percentage Yield. The Personal Premier Money Market is a variable tiered account. Rates are accurate as of 11-15-24 and can change at any time. Fees may reduce earnings. Offer is subject to change. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
$250,000 and up
$100,000 - $249,999.99
$50,000 - $99,999.99
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
$5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
APY = Annual Percentage Yield. The Personal Premier Money Market is a variable tiered account. Rates are accurate as of 11-15-24 and can change at any time. Fees may reduce earnings. Offer is subject to change. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 3.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
up to $49,999.99
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
Waived with $5,000 minimum daily balance. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 3.25% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.
Monthly Service Charge: $20 Waived with $10,000 minimum daily balance. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies.
Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications.
($0.01 - $49,999.99 / $50,000 & Above)
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.
Arkansas Money Market Rate Trends
Compare local Arkansas 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.
Arkansas high-yield MMA rates fell 0.055 points over the past 7 days to 3.418% APY.
Arkansas standard MMA rates fell 0.011 points over the past 7 days to 0.931% APY.
Arkansas Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current AR high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 AR high-yield money market average of 3.418% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Arkansas.
Money Market Account Earnings in Arkansas
Annual interest earnings at current AR 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 (3.418% APY) | Monthly Earnings | Standard MMA (0.931% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $341.77 / year | $28.48 | $93.13 / year | $7.76 |
| $25,000 | $854.43 / year | $71.20 | $232.83 / year | $19.40 |
| $50,000 | $1,708.85 / year | $142.40 | $465.65 / year | $38.80 |
| $100,000 | $3,417.70 / year | $284.81 | $931.30 / year | $77.61 |
| 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: Arkansas money market rate averages as of August 29, 2026. | ||||
About Our Arkansas Money Market Rate Database
MonitorBankRates tracks 23 money market rates from 10 banks and 13 credit unions offering money market deposit accounts to Arkansas residents — including community institutions, regional banks, and national online options. 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 (1–5), 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: First Service Bank offers a money market account at 4.64% APY. Use the rate table above to compare all current offers in Arkansas.
How to Find the Best Money Market Rates in Arkansas
What to compare when shopping for a money market account in Arkansas
To find the best money market APYs in Arkansas, start with credit unions and online-only banks — Arkansas has 13 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–$25,000, with lower rates (or monthly fees) below that threshold. The current AR high-yield money market average is 3.418% — but top local institutions are offering as high as 4.64%, 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. Arkansas high-yield money market rates currently average 3.418% 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 Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 23 institutions in Arkansas 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 → Arkansas CD rates
- You don’t need check writing and want a lower minimum → Arkansas savings rates
- You need daily transaction access → Arkansas checking rates
Arkansas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
17.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s AR high-yield money market average of 3.418%, saving 10% of the local median salary ($3,942/year) would earn an additional $135 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Arkansas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Arkansas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 3.418% | View Savings Rates | 0.931%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Arkansas averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Arkansas 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 Arkansas 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 Arkansas
At AR’s top money market rate of 4.64% from First Service Bank, a $10,000 deposit earns $464 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Arkansas earner is roughly $9,900. At 3.418% APY in a money market account, saving $820/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountArkansas’s high-yield money market average is 3.418% 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 Arkansas earner makes $39,422/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.418% APY.
Retirement PlannerA $25,000 money market balance earning 3.418% APY grows to roughly $48,960 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 Arkansas 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 Arkansas 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 Arkansas. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in AR.
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 Arkansas
What is a Money Market Account (MMA)?
Are Money Market accounts in Arkansas safe?
How often do MMA rates change in Arkansas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Arkansas?
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 Arkansas for money market accounts?
Best Money Market Rates in Arkansas
- First Service Bank
Personal Premier Money Market Account — 4.64% APY - United Federal Credit Union
Money Market Special — 4.00% APY - Academy Bank
Premier Money Market Account — 3.65% APY - Orion Federal Credit Union
Premium Money Market — 3.50% APY - Baxter Credit Union
Money Market Special — 3.50% APY
Cities in Arkansas
