Daisy, Arkansas Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Daisy, Arkansas money market account rates from banks and credit unions serving Arkansas range from 0.05% to 4.64% APY, verified by MonitorBankRates as of October 12, 2026. Current Daisy, Arkansas and the surrounding area money market deposit account rates include First Service BankFirst Service BankA5.0 ★Texas Ratio: 6.06%Real return: +1.84%APY minus 2.8% CPI (February 2026) Personal Premier Money Market Account at 4.64% APY, Brilliant BankBrilliant BankA5.0 ★Texas Ratio: 6.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Money Market at 4.00% APY, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY, Priority BankPriority BankC+4.1 ★Texas Ratio: 25.90%Real return: +0.95%APY minus 2.8% CPI (February 2026) Money Market Account at 3.75% APY, and Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.54%Real return: +0.95%APY minus 2.8% CPI (February 2026) Premium Money Market at 3.75% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
Daisy is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Arkansas area are available to Daisy residents, with money market rates as high as 4.64% APY from First Service Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Daisy, Arkansas and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in Daisy, Arkansas & the Surrounding Area
Balance: $0.00 - $20,000.00; $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Earn On Your Balance; 1Interest on balances up to $20,000; Fee waived with E-Statement enrollment3
Brilliant Bank's Surge Money Market is a variable rate money market with initial Annual Percentage Yield available for new depositors only. APY accurate as of website publication and subject to change. Fees may reduce earnings. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Balance: $500,000+
Earn dividends on balances over $100,000; No monthly service fee; Apply Now
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%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.
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
Balance: $1,000,000+; 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
- Oct 7, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Balance: $1,000,000+; 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
- Sep 19, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Dividend credited monthly; Projected Dividend Date: 10/31/2026; Accurate as of 09/17/2026
- Sep 25, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.50%▲ from 1.00%
- Sep 12, 20261.00%first recorded
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balances of $250,000 or more; balances $100,000 - $249,999.99 earn 3.00% APY; balances of $50,000 - $99,999.99 earn 2.50% APY; and anything less than $50,000 earns 2.00% APY. Fees could reduce earnings. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. with tiered rates
Balance: $500,000.00 - or more
Balance: $25,000 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $100,000.00 - $149,999.99
Minimum: $100,000 to $1,000,000; 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
Minimum: $100,000 to $1,000,000; 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
Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.25%▲ from 0.75%
- Sep 12, 20260.75%first recorded
Balance: $50,000.00 - $99,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $500,000 +; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $300,000 - $499,999.99
Balance: $20,000.01 to $50,000.00; $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Variable tiered account: balances up to $20,000.00 = 4.64%; $20,000.01 to $50,000.00 = 3.00%; $50,000.01 to $250,000.00 = 2.00%; balances over $250,000.00 = 1.00%. Fees may reduce earnings. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.00%▲ from 0.50%
- Sep 12, 20260.50%first recorded
Balances of $250,000 or more; balances $100,000 - $249,999.99 earn 3.00% APY; balances of $50,000 - $99,999.99 earn 2.50% APY; and anything less than $50,000 earns 2.00% APY. A minimum daily balance of $1,000 is required to earn dividends. Fees could reduce earnings. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. with tiered rates
Balance: $250,000 - $499,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $250,000+; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $100,000 and up
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $2,500 - $99,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $50,000-$99,999.99
Balances of $250,000 or more; balances $100,000 - $249,999.99 earn 3.00% APY; balances of $50,000 - $99,999.99 earn 2.50% APY; and anything less than $50,000 earns 2.00% APY. A minimum daily balance of $1,000 is required to earn dividends. Fees could reduce earnings. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. with tiered rates
Balance: $10,000-$49,999.99
Balance: $25,000 and above
Jumbo; Balance: $100,000 - $499,999
- Oct 9, 20262.28%▲ from 2.12%
- Sep 18, 20262.12%first recorded
Balance: $100,000 and up; RATE range: 2.00% - Dividend
Balance: $50,000.01 to $250,000.00; $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Variable tiered account: balances up to $20,000.00 = 4.64%; $20,000.01 to $50,000.00 = 3.00%; $50,000.01 to $250,000.00 = 2.00%; balances over $250,000.00 = 1.00%. Fees may reduce earnings. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Balances of $250,000 or more; balances $100,000 - $249,999.99 earn 3.00% APY; balances of $50,000 - $99,999.99 earn 2.50% APY; and anything less than $50,000 earns 2.00% APY. A minimum daily balance of $1,000 is required to earn dividends. Fees could reduce earnings. Membership with Arkansas Federal Credit Union is required. Federally insured by NCUA. with tiered rates
Balance: $100,000 or more
Balance: $100,000 or more
Balance: $50,000 - $99,999.99
Balance: $2,500-$9,999.99
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: $5,000 - $9,999.99
Balance: $75,000 - $99,999.99
Balance: $250,000 and up
Balance: $25,000 - $74,999.99
Balance: $25,000 - $99,999; RATE range: 1.25% - Dividend
Balance: $0 - $2,499
Balance: $250,000 +
Balance: $100,000 - $249,999.99
Balance: $15,000+
Balance: $50,000 - $99,999.99
Balance: $100,000 - 249,999.99
Balance: $1,000,000 and over
Balance: $1 million and over
Balance: over $250,000.00; $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Variable tiered account: balances up to $20,000.00 = 4.64%; $20,000.01 to $50,000.00 = 3.00%; $50,000.01 to $250,000.00 = 2.00%; balances over $250,000.00 = 1.00%. Fees may reduce earnings. $5 service charge per month. (Service charge is waived when the primary owner enrolls in eStatements).
Balance: $250,000 tier; Effective Date: October 01, 2026; Consumer money market accounts only
Balance: $10,000 - $24,999.99
Balance: $50,000 - 99,999.99
Balance: $25,000 - 49,999.99
Balance: $500,000 to $999,999
Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15.
Balance: $500,000 to $999,999
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.
Balance: $100,000 - $299,999.99
Balance: $25,000 +
Balance: $10,000.00
Balance: $250,000 to $499,999
Balance: $250,000 to $499,999
Balance: $10,000 - $99,999.99
Balance: $10,000 - 24,999.99
Balance: $10,000 - 24,999.99
Balance: $1,000.00 - $9,999.00
Balance: $0.01 - $49,999.99 / $50,000 & Above
Balance: $0.01 to $249,999
Balance: $0.01 to $249,999
Balance: $50,000 - $99,999
Balance: $0 - 9,999.99
Balance: $2,500 - $9,999
Balance: $0 - $24,999
Balance: $0 - 9,999.99
Standard interest rate tier. APYs may vary by location. Restrictions apply.
- Oct 7, 20260.05%▼ from 3.40%
- Oct 4, 20263.40%first recorded
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.
Daisy, AR Money Market Rate Trends
Compare local Daisy, AR 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 rose 0.005 points over the past 7 days to 3.348% APY.
Arkansas standard MMA rates fell 0.092 points over the past 7 days to 0.490% APY.
Daisy, 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 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 AR high-yield money market average of 3.348% 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 Daisy, Arkansas.
Money Market Account Earnings in Daisy, 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 (3.348% APY) | Monthly Earnings | Standard MMA (0.490% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $334.75 / year | $27.90 | $48.99 / year | $4.08 |
| $25,000 | $836.88 / year | $69.74 | $122.48 / year | $10.21 |
| $50,000 | $1,673.75 / year | $139.48 | $244.95 / year | $20.41 |
| $100,000 | $3,347.50 / year | $278.96 | $489.90 / year | $40.82 |
| 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: Daisy, Arkansas money market rate averages as of October 13, 2026. | ||||
Available in Daisy, Arkansas Area
About Our Daisy, Arkansas Money Market Rate Database
MonitorBankRates tracks money market rate offers from 28 banks and credit unions available to Daisy, Arkansas residents via statewide and national offers. No branch locations physically in Daisy are currently in our database, but all listed offers are open to Daisy depositors. 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: First Service Bank offers a money market account at 4.64% APY. Use the rate table above to compare all current offers in Daisy, Arkansas.
How to Find the Best Money Market Rates in Daisy, Arkansas
What to compare when shopping for a money market account in Daisy, Arkansas
To find the best money market APYs in Daisy, Arkansas, start with credit unions and online-only banks: Daisy, Arkansas has 16 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 AR high-yield money market average is 3.348% 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. Daisy, Arkansas high-yield money market rates currently average 3.348% 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 Daisy, Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 28 institutions in Daisy, 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 Daisy, Arkansas CD rates
- You don’t need check writing and want a lower minimum Daisy, Arkansas savings rates
- You need daily transaction access Daisy, Arkansas checking rates
Arkansas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
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 3.348%, saving 10% of the local median salary ($3,942/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 Daisy, Arkansas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Daisy, Arkansas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 3.348% | View Savings Rates | 0.490%(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 Daisy, Arkansas averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Daisy, 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 Daisy, 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 Daisy, 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 Daisy, Arkansas earner is roughly $9,900. At 3.348% 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 3.348% 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 Daisy, Arkansas earner makes $39,422/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.348% APY.
Retirement PlannerA $25,000 money market balance earning 3.348% APY grows to roughly $48,299 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 Daisy, 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 Daisy, 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 Daisy, 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 Daisy, Arkansas
What is a Money Market Account (MMA)?
Are Money Market accounts in Daisy, Arkansas safe?
How often do MMA rates change in Daisy, Arkansas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Daisy, 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 Daisy, Arkansas for money market accounts?
Best Money Market Rates in Daisy, Arkansas
- First Service Bank
Personal Premier Money Market Account: 4.64% APY - Brilliant Bank
Surge Money Market: 4.00% APY - United Federal Credit Union
Money Market Special: 4.00% APY - Priority Bank
Money Market Account: 3.75% APY - Orion Federal Credit Union
Premium Money Market: 3.75% APY
Daisy, Arkansas Rates & Resources
