Best Money Market Rates in Fort Collins, Colorado - August 2026
Brian McKay
Brian McKay
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Current Fort Collins, Colorado and the surrounding area money market deposit account rates include Academy BankAcademy Bank1250 E Magnolia St, Fort Collins, CO 80524A+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, Together Credit UnionTogether Credit Union1520 E Mulberry St, Fort Collins, CO 80524 3501A+5.0 ★Texas Ratio: 5.30%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market at 3.50% APY, Bellco Credit UnionBellco Credit Union1526 E Harmony Rd Unit 130, Fort Collins, CO 80525 8006A+5.0 ★Texas Ratio: 4.02%Real return: +0.45%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.25% APY, Elevations Credit UnionElevations Credit Union2025 S College Ave, Fort Collins, CO 80525A+5.0 ★Texas Ratio: 1.17%Real return: +0.20%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.00% APY, and Union Bank and Trust CompanyUnion Bank and Trust Company123 N College Ave, Fort Collins, CO 80524A+5.0 ★Texas Ratio: 0.93%Real return: +0.03%APY minus 2.8% CPI (February 2026) Value Edge Money Market Account at 2.83% APY. Money market rates as of August 29, 2026 according to verified data from MonitorBankRates.
Fort Collins has 13 local institutions in our database, with money market rates as high as 3.65% APY from Academy Bank at 1250 E Magnolia St, Fort Collins, CO 80524. Use the table below to compare all available offers, including options from institutions serving the broader Colorado area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Fort Collins, Colorado and surrounding area. Last Updated and Verified: August 29, 2026
Compare the Best Money Market Rates Today in Fort Collins, Colorado & the Surrounding Area
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.
New money only
New money only
Rate is variable and may change after the account is opened. APY is accurate as of 7/21/26.
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.
Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.
Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.
Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.
Based on average daily balance
Based on average daily balance
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.
Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
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.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
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.
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.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
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.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
APY is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.
APY†effective as of July 1, 2026. APY may change after account opening. Fees could reduce the earnings on the account.
APY is variable and subject to change. Interest compounds daily and is paid monthly. Fees may reduce earnings. Terms and conditions apply.
Paid on balances $1,000,000.00 to $2,999,999.99
Maximum Amount: $20,000,000; Must be new funds to BBW or shifted from average Federal Funds Sold; Interest paid monthly, posted to the account
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
Paid on balances of $250,000 to $999,999.99
Non-Relationship Rate
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.
Fort Collins, CO Money Market Rate Trends
Compare local Fort Collins, 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 rose 0.003 points over the past 7 days to 3.251% APY.
Colorado standard MMA rates rose 0.121 points over the past 7 days to 0.660% APY.
Fort Collins, 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 2026–2027.
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 3.251% 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 Fort Collins, Colorado.
Money Market Account Earnings in Fort Collins, 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 (3.251% APY) | Monthly Earnings | Standard MMA (0.660% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $325.07 / year | $27.09 | $65.97 / year | $5.50 |
| $25,000 | $812.68 / year | $67.72 | $164.92 / year | $13.74 |
| $50,000 | $1,625.35 / year | $135.45 | $329.85 / year | $27.49 |
| $100,000 | $3,250.70 / year | $270.89 | $659.70 / year | $54.98 |
| 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: Fort Collins, Colorado money market rate averages as of August 30, 2026. | ||||
About Our Fort Collins, Colorado Money Market Rate Database
MonitorBankRates found 13 institutions with branches in Fort Collins (7 banks, 6 credit unions), plus 25 additional state-chartered and national online institutions available to Fort Collins 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 (1–5), 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 Fort Collins, Colorado.
How to Find the Best Money Market Rates in Fort Collins, Colorado
What to compare when shopping for a money market account in Fort Collins, Colorado
To find the best money market APYs in Fort Collins, Colorado, start with credit unions and online-only banks — Fort Collins, Colorado has 20 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 CO high-yield money market average is 3.251% — 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. Fort Collins, Colorado high-yield money market rates currently average 3.251% 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 Fort Collins, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 38 institutions in Fort Collins, 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 → Fort Collins, Colorado CD rates
- You don’t need check writing and want a lower minimum → Fort Collins, Colorado savings rates
- You need daily transaction access → Fort Collins, Colorado checking rates
Fort Collins, Colorado Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
12.8% of residents are 65 or older — below the national average of 17.3%. At today’s CO high-yield money market average of 3.251%, saving 10% of the local median salary ($3,956/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Fort Collins, Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Fort Collins, Colorado.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 3.251% | View Savings Rates | 0.660%(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 Fort Collins, Colorado averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, Colorado earner is roughly $9,900. At 3.251% 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 AccountColorado’s high-yield money market average is 3.251% 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 Fort Collins, Colorado earner makes $39,561/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.251% APY.
Retirement PlannerA $25,000 money market balance earning 3.251% APY grows to roughly $47,402 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, 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 Fort Collins, Colorado
What is a Money Market Account (MMA)?
Are Money Market accounts in Fort Collins, Colorado safe?
How often do MMA rates change in Fort Collins, Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Fort Collins, 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 Fort Collins, Colorado for money market accounts?
Best Money Market Rates in Fort Collins, Colorado
- Academy Bank
Premier Money Market Account — 3.65% APY - Together Credit Union
Money Market — 3.50% APY - Bellco Credit Union
Business Money Market Account — 3.25% APY - Elevations Credit Union
Business Money Market Account — 3.00% APY - Union Bank and Trust Company
Value Edge Money Market Account — 2.83% APY
Fort Collins, Colorado Rates & Resources
