Waldo, Arkansas Money Market Rates for October 2026
Brian McKay
Brian McKay
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Waldo, Arkansas money market account rates from banks and credit unions serving Arkansas range from 0.15% to 4.64% APY, verified by MonitorBankRates as of October 31, 2026. Current Waldo, Arkansas and the surrounding area money market deposit account rates include First Service BankFirst Service BankA5.0 ★Texas Ratio: 6.06%Real return: +0.94%APY minus 3.7% CPIRate verified Oct 26, 2026 Personal Premier Money Market at 4.64% APY, Commercial Bank & Trust CompanyCommercial Bank & Trust CompanyF1.8 ★Texas Ratio: 53.02%Real return: +0.32%APY minus 3.7% CPIRate verified Oct 31, 2026 Rise Money Market at 4.02% APY, Brilliant BankBrilliant BankA5.0 ★Texas Ratio: 6.60%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Surge Money Market at 4.00% APY, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 28, 2026 Money Market Special at 4.00% APY, and Arkansas Federal Credit UnionArkansas Federal Credit UnionA+5.0 ★Texas Ratio: 5.90%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Business Money Market at 4.00% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Waldo is a smaller community with no bank or credit union branches currently in our database. 143 institutions serving the Arkansas area are available to Waldo 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 Waldo, Arkansas and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Waldo, Arkansas & the Surrounding Area
Balance: $0.00 - $20,000.00; Variable tiered account; $5 monthly service charge waived with eStatements; rates as of 12-1-25
Balance: up to $20,000; Monthly pricing fee waived with E-Statement enrollment
Balance: $100,000 - $499,999.99; $25,000 minimum balance requirement to earn interest; $15 monthly service fee if minimum balance requirement not maintained; 6 free withdrawals per statement cycle, then $5 each; Rates effective as of 12/11/2025
Interest credited monthly; Account maximum: No Max; Variable rate, initial APY for new depositors only; Rates effective as of 12/19/25; Unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas
Balance: $0 - $100,000.00; Effective Date: October 01, 2026; Special rate of up to 4.00% APY for new Money Market Special accounts opened on or after 10/1/2026, applies for first 6 months, then converts to standard Elevate Money Market; members with any money market account at United in the last 12 months are not eligible
Balance: $250,000 or more; tiered rates; minimum daily balance of $1,000 required to earn dividends; no minimum daily balance required to open; membership required
- Oct 14, 20264.00%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $500,000+
Balance: over $100,000; Earn dividends on balances over $100,000; No monthly service fee; Available to individuals and businesses.
- Oct 19, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
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
Minimum Balance to Avoid Fee: $20,000.00; Rate effective 3/5/26
Special rate for new accounts opened today; Balance: not stated
Balance: $1,000,000 and over; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed; Variable rate, can increase or decrease during the life of the account; Monthly service charge $20, waived with $100,000 minimum daily balance; Account allowed up to 6 transfers each month, $15 fee per additional transfer
- Oct 21, 20263.50%▲ from 3.00%
- Oct 20, 20263.00%▲ from 1.00%
- Oct 7, 20261.00%first recorded
Balance: $1,000,000 and over; monthly service charge $20, waived with $100,000 minimum daily balance; will not earn interest if balance falls below $100,000; variable rate; up to 6 transfers each month, $15 fee per additional transfer
- Oct 21, 20263.50%▲ from 3.25%
- Oct 20, 20263.25%▲ from 1.00%
- Oct 7, 20261.00%first recorded
Projected Dividend Date: 10/31/2026; Dividends credited monthly; Accurate as of 09/17/2026
- Sep 25, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Qualifications Required; Minimum Amount: $250,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $100,000.00 - $249,999.99; tiered rates; minimum daily balance of $1,000 required to earn dividends; no minimum daily balance required to open; membership required
- Oct 14, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
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: $250,000 - $5,000,000.00; Tier 4; no interest paid on balances over $5,000,000.00; APY accurate as of 12/17/25
Minimum: $100,000 to $1,000,000; Balance: $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, can increase or decrease during the life of the account; Monthly service charge $20, waived with $100,000 minimum daily balance; Account allowed up to 6 transfers each month, $15 fee per additional transfer
Balance: $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; variable rate; up to 6 transfers each month, $15 fee per additional transfer
- Oct 21, 20263.25%▲ from 3.00%
- Oct 20, 20263.00%▼ from 3.25%
- Sep 11, 20263.25%first recorded
Qualifications Required; Minimum Amount: $100,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Balance: $500,000 +; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $300,000 - $499,999.99
Balance: $0.00 - $99,999.99; $25,000 minimum balance requirement to earn interest; $15 monthly service fee if minimum balance requirement not maintained; 6 free withdrawals per statement cycle, then $5 each; Rates effective as of 12/11/2025
Balance: $20,000.01 - $50,000.00; Variable tiered account; $5 monthly service charge waived with eStatements; rates as of 12-1-25
Qualifications Required; Minimum Amount: $1,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Minimum Balance to Avoid Fee: $2,500.00
- Oct 23, 20263.00%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Balance: $50,000.00 - $99,999.99; tiered rates; minimum daily balance of $1,000 required to earn dividends; no minimum daily balance required to open; membership required
- Oct 14, 20263.00%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $250,000 - $499,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $250,000+; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
- Oct 4, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $100,000 - $249,999.99; Tier 3; APY accurate as of 12/17/25
Balance: $100,000 and up
Balance: $100,000 - $249,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $100,000 - $249,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
- Oct 4, 20262.75%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Balance: $2,500 - $99,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $2,500 - $99,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $50,000-$99,999.99
Balance: Less than $50,000.00; tiered rates; minimum daily balance of $1,000 required to earn dividends; no minimum daily balance required to open; membership required
Balance: $50,000.00 - $99,999.99; Tier 2; APY accurate as of 12/17/25
Balance: $10,000-$49,999.99
Balance: $25,000 and above
$100,000-$499,999; Jumbo; Balance: $100,000 - $499,999
Balance: >=$100,000
Balance: $250,000 and up
Balance: $50,000 < $100,000
Balance: $100,000 and up; Last declared dividend rate
Balance: $50,000.01 - $250,000.00; Variable tiered account; $5 monthly service charge waived with eStatements; rates as of 12-1-25
Balance: $0.00 - $49,999.99; Tier 1; $10.00 balance requirement fee if balance falls below $2,500 on any day of the monthly statement cycle; APY accurate as of 12/17/25
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 < $25,000
Balance: $100,000 - $249,999.99
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: $2,500 < $10,000
Balance: $25,000 - $99,999; Last declared dividend rate
Balance: $0 - $2,499; Split rate: only funds in each tier earn that tier's rate
Balance: $250,000 +
Balance: $100,000 - $249,999.99
Balance: $15,000+
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: Over $100,000
Balance: $100,000 - 249,999.99
Balance: $1 million and over; Monthly service charge $20 waived with $10,000 minimum daily balance
Balance: $250,000.01 and over; Variable tiered account; $5 monthly service charge waived with eStatements; rates as of 12-1-25
Balance: > $100,000
Minimum Amount: $250,000; Effective Date: October 01, 2026; APY accurate as of last dividend declaration date; Rates may change after account is opened; Consumer money market accounts only
Balance: $10,000 - $24,999.99
Balance: $100,000.01 and over; Effective Date: October 01, 2026; Special rate of up to 4.00% APY for new Money Market Special accounts opened on or after 10/1/2026, applies for first 6 months, then converts to standard Elevate Money Market; members with any money market account at United in the last 12 months are not eligible
Balance: $5,000 - $9,999.99
Balance: $25,000 - $49,999.99
Balance: $50,000 - 99,999.99
Balance: $10,000 - $24,999.99
Balance: $25,000 - 49,999.99
Balance: $500,000 to $999,999; Monthly service charge $20 waived with $10,000 minimum daily balance
Balance: $10,000 minimum to earn APY; monthly service charge $20, waived with $5,000 minimum daily balance; up to 6 transfers each month, $15 fee per additional transfer
Balance: $10,000 minimum to earn interest; Monthly service charge $20, waived with $10,000 minimum daily balance; Account allowed up to 6 transfers each month, $15 fee per additional transfer
Balance: $0.01 to $9,999.99
Balance: $100,000 - $299,999.99
Balance: $25,000 +
Balance: $10,000.00 and over; Service charge $0 per statement cycle with minimum daily balance of $1,000 or more; Interest accrued monthly at current rate
Balance: $250,000 to $499,999; Monthly service charge $20 waived with $10,000 minimum daily balance
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; Service charge $7.50 per statement cycle if daily balance falls below $1,000; Interest accrued monthly at current rate
Balance: $0.01 - $49,999.99 / $50,000 & Above; APY variable and subject to change
Balance: $0.01 to $249,999; Monthly service charge $20 waived with $10,000 minimum daily balance
- Oct 21, 20260.25%▼ from 3.25%
- Oct 20, 20263.25%▲ from 0.25%
- Sep 11, 20260.25%first recorded
*APY as of 12/19/2024; Interest is subject to change at our discretion; Maintenance or fees may reduce earnings
Balance: $100,000 and up
Balance: $50,000 - $99,999
Balance: $0 - 9,999.99
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.
Waldo, AR Money Market Rate Trends
Compare local Waldo, 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 0.029 points over the past 7 days to 3.372% APY.
Arkansas standard MMA rates rose 0.027 points over the past 7 days to 0.595% APY.
Waldo, 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 3.372% 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 Waldo, Arkansas.
Money Market Account Earnings in Waldo, 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 (3.372% APY) | Monthly Earnings | Standard MMA (0.595% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $337.15 / year | $28.10 | $59.53 / year | $4.96 |
| $25,000 | $842.88 / year | $70.24 | $148.83 / year | $12.40 |
| $50,000 | $1,685.75 / year | $140.48 | $297.65 / year | $24.80 |
| $100,000 | $3,371.50 / year | $280.96 | $595.30 / year | $49.61 |
| 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: Waldo, Arkansas money market rate averages as of October 31, 2026. | ||||
Available in Waldo, Arkansas Area
About Our Waldo, Arkansas Money Market Rate Database
MonitorBankRates tracks money market rate offers from 33 banks and credit unions available to Waldo, Arkansas residents via statewide and national offers. No branch locations physically in Waldo are currently in our database, but all listed offers are open to Waldo 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 Waldo, Arkansas.
How to Find the Best Money Market Rates in Waldo, Arkansas
What to compare when shopping for a money market account in Waldo, Arkansas
To find the best money market APYs in Waldo, Arkansas, start with credit unions and online-only banks: Waldo, Arkansas 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 AR high-yield money market average is 3.372% 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. Waldo, Arkansas high-yield money market rates currently average 3.372% 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 Waldo, Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 33 institutions in Waldo, Arkansas report money market rates to our database.
- You’re among Waldo, Arkansas’s 24.9% 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 Waldo, Arkansas CD rates
- You don’t need check writing and want a lower minimum Waldo, Arkansas savings rates
- You need daily transaction access Waldo, Arkansas checking rates
Waldo, Arkansas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
24.9% 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; a low unemployment rate of 3.7% reflects a strong local economy with solid savings capacity. At today’s AR high-yield money market average of 3.372%, saving 10% of the local median salary ($3,516/year) would earn an additional $119 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Waldo, Arkansas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Waldo, Arkansas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 3.372% | View Savings Rates | 0.595%(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 Waldo, Arkansas 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.
Waldo, 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 Waldo, 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 Waldo, 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 Waldo, Arkansas earner is roughly $8,800. At 3.372% APY in a money market account, saving $730/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 3.372% 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 Waldo, Arkansas earner makes $35,163/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.372% APY.
Retirement PlannerA $25,000 money market balance earning 3.372% APY grows to roughly $48,524 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 Waldo, 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 Waldo, 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 Waldo, 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 Waldo, Arkansas
What are money market account rates in Waldo, Arkansas today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Waldo, Arkansas safe?
How often do MMA rates change in Waldo, Arkansas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Waldo, 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 Waldo, Arkansas for money market accounts?
Best Money Market Rates in Waldo, Arkansas
- First Service Bank
Personal Premier Money Market: 4.64% APY - Commercial Bank & Trust Company
Rise Money Market: 4.02% APY - Brilliant Bank
Surge Money Market: 4.00% APY - United Federal Credit Union
Money Market Special: 4.00% APY - Arkansas Federal Credit Union
Business Money Market: 4.00% APY
Waldo, Arkansas Rates & Resources
