Aurora, Colorado Money Market Rates - October 2026
Brian McKay
Brian McKay
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Aurora, Colorado money market account rates range from 0.01% to 4.07% APY, verified by MonitorBankRates as of October 13, 2026. Current Aurora, Colorado and the surrounding area money market deposit account rates include Academy BankAcademy Bank3301 Tower Rd, Aurora, CO 80011A+5.0 ★Texas Ratio: 5.08%Real return: +0.85%APY minus 2.8% CPI (February 2026) Premier Money Market Account at 3.65% APY, US BankUS Bank941 S Havana St, Aurora, CO 80012A+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, The Huntington National BankThe Huntington National Bank2430 W Indian Trl, Aurora, IL 60506A+5.0 ★Texas Ratio: 3.66%Real return: +0.55%APY minus 2.8% CPI (February 2026) Relationship Money Market Account - With Huntington Perks Checking at 3.35% APY, Westerra Credit UnionWesterra Credit Union4231 S Buckley Rd, Aurora, CO 80013A+5.0 ★Texas Ratio: 3.20%Real return: +0.45%APY minus 2.8% CPI (February 2026) Business Money Market Select at 3.25% APY, and Bellco Credit UnionBellco Credit Union499 S Airport Blvd, Aurora, CO 80017A5.0 ★Texas Ratio: 9.71%Real return: +0.45%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.25% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Aurora has 16 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 3301 Tower Rd, Aurora, CO 80011. Use the table below to compare all available offers, including options from institutions serving the broader Colorado area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Aurora, Colorado and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Aurora, Colorado & the Surrounding Area
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: $25,000 - $49,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000+; If requirements are met
Requirements met; Balance: $250,000+
Balance: $50,000.01-$100,000
Balance: $50,000-$99,999.99
Balance: $50,000+
Balance: $50,000-$99,999.99; If requirements are met
Requirements met; Balance: $50,000-$99,999.99
Balance: $100,000 - $249,999; Dividends compounded and credited monthly
Balance: $100,000 - $249,999
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $10,001-$24,999.99
Balance: $10,000-$24,999.99
Balance: $10,000-$49,999.99
Balance: $0.01 - $25,000.00; Blended Rate Tier
Balance: $25,000-$49,999.99; If requirements are met
Requirements met; Balance: $25,000-$49,999.99
Balance: $1,000-$9,999.99
Balance: $0-$50,000
Balance: $1,000,000 and over
Balance: $75,000 and above
Balance: $1,000-$9,999.99; If requirements are met
Requirements met; Balance: $1,000-$9,999.99
Balance: $500,000 - $999,999
Dividends are computed on the average daily balance, compounded and paid monthly. If your account drops below the minimum monthly deposit balance for your Money Market Account type, dividends will not be paid until your account balance meets the minimum requirements. Once the account balance meets the minimum amount for its type, dividends will not be paid retroactively. It is the account holders responsibility to modify their Money Market account type in the event that your minimum balance exceeds or can no longer be maintained.
Balance: $50,000 - $74,999
Dividends are computed on the average daily balance, compounded and paid monthly. If your account drops below the minimum monthly deposit balance for your Money Market Account type, dividends will not be paid until your account balance meets the minimum requirements. Once the account balance meets the minimum amount for its type, dividends will not be paid retroactively. It is the account holders responsibility to modify their Money Market account type in the event that your minimum balance exceeds or can no longer be maintained.
Balance: $250,000 - $499,999
Balance: $25,000 - $49,999
Balance: $50,000 - $99,999; Dividends compounded and credited monthly
Balance: $50,000 - $99,999
Balance: $100,000 and over; Effective Date: October 1, 2026
Balance: $100,000 - $249,999
Balance: $10,000-$24,999
Balance: $250,000 - $499,999.99
Balance: $250,000.00 And Above
Balance: $50,000 and over
Balance: $2,000-$9,999
Balance: $50,000-99,999; Effective Date: October 1, 2026
Dividends are computed on the average daily balance, compounded and paid monthly. If your account drops below the minimum monthly deposit balance for your Money Market Account type, dividends will not be paid until your account balance meets the minimum requirements. Once the account balance meets the minimum amount for its type, dividends will not be paid retroactively. It is the account holders responsibility to modify their Money Market account type in the event that your minimum balance exceeds or can no longer be maintained.
Balance: $100,000 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $250,000 +
Balance: $25,000 - $49,999; Dividends compounded and credited monthly
Balance: $25,000 - $49,999
Balance: $25,000-49,999; Effective Date: October 1, 2026
Balance: $25,000 - $49,999
If Money Market balance falls below $2,500, the dividend rate will be the Regular Savings rate
Balance: $10,000 - $24,999
Balance: $100,000 - 249,999.99
Balance: $2,500 - $9,999
Balance: $10,000 - $24,999; Dividends compounded and credited monthly
Balance: $10,000 - $24,999
Balance: $50,000 - 99,999.99
Balance: $25,000 - 49,999.99
Balance: $25,000 +
Balance: $2,000,001.00 to $99,999,999,999.99
- Oct 7, 20260.25%▲ from 0.05%
- Sep 27, 20260.05%▼ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $10,000 - 24,999.99
Balance: $10,000 - 24,999.99
Balance: $0 - 9,999.99
Balance: $0 - 9,999.99
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: $25,000.00 to $99,999.99
- Sep 27, 20260.05%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1.00 - $9,999.99
Balance: $0 - $9,999.99
Balance: $1,000+; APY is variable and subject to change. Interest compounds daily and is paid monthly. Fees may reduce earnings. Terms and conditions apply.
Maximum Amount: $20,800,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account
- Sep 27, 20263.97%▲ from 3.72%
- Sep 14, 20263.72%first recorded
Balance: Paid on balances $1,000,000.00 to $2,999,999.99
Balance: $250,000 and Greater
Balance: $500,000 -$999,999.99
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: $100,000 - $499,999.99
All Balances
Balance: $25,000 - $99,999.99
Balance: Paid on balances of $250,000 to $999,999.99
Published APY range: 3.25% - 3.55%. Annual Percentage Yield (APY) accurate as of 12-19-2025. Rates may also change after the account is opened. Fees may reduce earnings. You may make no more than six transfers and withdrawals from the account during any calendar month. Additional withdrawals will be subject to a $5.00 fee each.
Balance: $0 -$24,999.99
Balance: $500,000 plus
- Sep 24, 20263.10%▲ from 2.89%
- Sep 19, 20262.89%first recorded
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Balance: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
Balance: $500,000+
Balance: $200,000 - $499,999.99
- Sep 24, 20262.80%▲ from 2.60%
- Sep 19, 20262.60%first recorded
Balance: $100,000.00 - $249,999.99. Annual Percentage Yield (APY) is valid as of 10/06/2026 . This is a variable rate and subject to change at any time after account opening. Each tier shown reflects the daily minimum collected balance required to obtain the applicable APY. Fees could reduce account earnings. Rates apply for personal accounts only. There is no minimum amount required to open account. See account disclosures for transaction limitations. FDIC limits apply. Please visit www.fdic.gov This link will trigger a popup message. to make informed decisions about your deposit coverage, or, visit one of our branches and talk to one of our bankers or call 1-800-280-0123.
Maximum Deposit $3,000,000
Balance: $100,000 plus
- Sep 24, 20262.65%▲ from 2.40%
- Sep 19, 20262.40%first recorded
Balance: $100,000 - $199,999.99
- Sep 24, 20262.65%▲ from 2.40%
- Sep 19, 20262.40%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.
Aurora, CO Money Market Rate Trends
Compare local Aurora, CO 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.
Colorado high-yield MMA rates fell 0.002 points over the past 7 days to 3.224% APY.
Colorado standard MMA rates fell 0.008 points over the past 7 days to 0.769% APY.
Aurora, Colorado Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current CO 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 CO high-yield money market average of 3.224% 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 Aurora, Colorado.
Money Market Account Earnings in Aurora, Colorado
Annual interest earnings at current CO 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 (3.224% APY) | Monthly Earnings | Standard MMA (0.769% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $322.37 / year | $26.86 | $76.89 / year | $6.41 |
| $25,000 | $805.93 / year | $67.16 | $192.23 / year | $16.02 |
| $50,000 | $1,611.85 / year | $134.32 | $384.45 / year | $32.04 |
| $100,000 | $3,223.70 / year | $268.64 | $768.90 / year | $64.08 |
| 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: Aurora, Colorado money market rate averages as of October 14, 2026. | ||||
About Our Aurora, Colorado Money Market Rate Database
MonitorBankRates found 16 institutions with branches in Aurora (5 banks, 11 credit unions), plus 24 additional state-chartered and national online institutions available to Aurora 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: Academy Bank offers a money market account at 3.65% APY with a minimum deposit of $15,000. Use the rate table above to compare all current offers in Aurora, Colorado.
How to Find the Best Money Market Rates in Aurora, Colorado
What to compare when shopping for a money market account in Aurora, Colorado
To find the best money market APYs in Aurora, Colorado, start with credit unions and online-only banks: Aurora, Colorado has 24 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 CO high-yield money market average is 3.224% but top local institutions are offering as high as 3.65%, 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. Aurora, Colorado high-yield money market rates currently average 3.224% 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 Aurora, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Aurora, Colorado 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 Aurora, Colorado CD rates
- You don’t need check writing and want a lower minimum Aurora, Colorado savings rates
- You need daily transaction access Aurora, Colorado checking rates
Aurora, Colorado Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
12.4% of residents are 65 or older, below the national average of 17.3%. At today’s CO high-yield money market average of 3.224%, saving 10% of the local median salary ($4,503/year) would earn an additional $145 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Aurora, Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Aurora, Colorado.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 3.224% | View Savings Rates | 0.769%(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 Aurora, Colorado 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.
Aurora, Colorado 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 Aurora, Colorado 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 Aurora, Colorado
At CO’s top money market rate of 3.65% from Academy Bank, a $10,000 deposit earns $365 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Aurora, Colorado earner is roughly $11,300. At 3.224% APY in a money market account, saving $940/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountColorado’s high-yield money market average is 3.224% 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 Aurora, Colorado earner makes $45,034/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.224% APY.
Retirement PlannerA $25,000 money market balance earning 3.224% APY grows to roughly $47,155 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 Aurora, Colorado 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 Aurora, Colorado 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 Aurora, Colorado. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in CO.
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 Aurora, Colorado
What is a Money Market Account (MMA)?
Are Money Market accounts in Aurora, Colorado safe?
How often do MMA rates change in Aurora, Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Aurora, Colorado?
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 Aurora, Colorado for money market accounts?
Best Money Market Rates in Aurora, Colorado
- Academy Bank
Premier Money Market Account: 3.65% APY - US Bank
Elite Money Market Account: 3.40% APY - The Huntington National Bank
Relationship Money Market Account - With Huntington Perks Checking: 3.35% APY - Westerra Credit Union
Business Money Market Select: 3.25% APY - Bellco Credit Union
Business Money Market Account: 3.25% APY
Aurora, Colorado Rates & Resources
