Garden City, Colorado Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Garden City, Colorado money market account rates from banks and credit unions serving Colorado range from 1.55% to 6.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Garden City, Colorado and the surrounding area money market deposit account rates include Meridian Trust Federal Credit UnionMeridian Trust Federal Credit UnionA+5.0 ★Texas Ratio: 4.45%Real return: +3.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 6.00% APY, SunwardSunwardA+5.0 ★Texas Ratio: 2.97%Real return: +2.25%APY minus 2.8% CPI (February 2026) Power Money Market Account at 5.05% APY, Solera National BankSolera National BankA5.0 ★Texas Ratio: 11.66%Real return: +1.27%APY minus 2.8% CPI (February 2026) Money Market High Yield Savings at 4.07% APY, Meritrust Credit UnionMeritrust Credit UnionA+5.0 ★Texas Ratio: 4.29%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Including Business and IRA at 4.00% APY, and Bankers Bank of the WestBankers Bank of the WestA5.0 ★Texas Ratio: 6.05%Real return: +1.17%APY minus 2.8% CPI (February 2026) Money Market at 3.97% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
Garden City is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Colorado area are available to Garden City residents, with money market rates as high as 6.00% APY from Meridian Trust Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Garden City, Colorado and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in Garden City, Colorado & the Surrounding Area
Balance: $0.00 - $2,000.00
Balance: $0.00 - $2,500.00
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.
Balance: $0.00 - $2,000
Balance: $0
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
Published APY range: 3.90-5.99%. Balance: $2,000.01 - $5,000.00
Balance: Paid on balances $1,000,000.00 to $2,999,999.99
Balance: $250,000 and Greater
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: $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%
New money only; APY is variable and subject to change at the Credit Union's discretion after account opening.
Balance: $70,000.00 or greater
Balance: $100,000 - $499,999.99
Balance: $25,000 - $49,999.99
All Balances
Balance: $25,000 - $99,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
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: $250,000+; If requirements are met, the following rates will apply:
Qualifications Required: If requirements*** are met; Balance: $250,000+
Balance: $50,000.01-$100,000
Balance: $50,000-$99,999.99
Balance: $50,000+
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: $2,500.01 - $5,000.00
- Oct 4, 20263.05%▲ from 3.04%
- Sep 14, 20263.04%first recorded
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: $100,000 and above
- Oct 8, 20263.00%▲ from 2.75%
- Sep 25, 20262.75%first recorded
Rates up to 3.00% APY; minimum daily balance of $1,000 required to earn dividends; dividends compounded and paid monthly
Balance: $50,000-$99,999.99
Qualifications Required: If requirements*** are met; Balance: $50,000-$99,999.99
Balance: $35,000 - $69,999.99
Balance: $250,000+
Balance: $500,000 - $999,999.99
Balance: $200,000 and up
Balance: $500,000+
Balance: $200,000 - $499,999.99
- Sep 24, 20262.80%▲ from 2.60%
- Sep 19, 20262.60%first recorded
Balance: $50000.00 & Above
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 - $249,999
Balance: $100,000 - $249,999
Balance: $250,000 - $999,999.99 Regular MM
Balance: $100,000 - $249,999.99
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: $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
Balance: $250,000+
- Oct 10, 20262.65%▲ from 2.55%
- Sep 14, 20262.55%first recorded
Balance: Paid on all balances over $750,000.00
Balance: $10000.00-$49999.99
Balance: $0.01 - $25,000.00
Balance: $25,000 and above
Balance: $50,000 - $99,999.99
- Sep 24, 20262.50%▲ from 2.30%
- Sep 19, 20262.30%first recorded
Balance: $100,000 - $249,999.99
Balance: $25,000-$49,999.99
Qualifications Required: If requirements*** are met; Balance: $25,000-$49,999.99
Balance: $250,001+
Balance: $250,000+
Balance: $250,000 - $999,999.99
- Oct 3, 20262.35%▲ from 2.20%
- Sep 14, 20262.20%first recorded
Balance: $1,000-$9,999.99
Balance: $100,000.000 or greater
Published APY range: 2.33% to 3.67%. Balance: $1,000,000.00 and up
Balance: $200,000
Balance: $250,000 to $499,999.99
Balance: $100,000 - $249,999.99
- Oct 10, 20262.30%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $100,000 - $199,999
Balance: $50,000.00 - $99,999.99. 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.
Balance: $250,000.00 & Above
Balance: $250,000 and over
Balance: $0-$50,000
Balance: $50,000-$249,999
Balance: $200,000; IRA Money Market Account rates are 0.10% higher than the standard rates shown here.
Balance: $100,000 - $199,999; IRA Money Market Account rates are 0.10% higher than the standard rates shown here.
Balance: $1,000,000 and over
Balance: $50,000+
Balance: $50,000 - $99,999
Balance: $100,000 to $249,999.99
Balance: Paid on all balances of $250,000 to $749,999
Balance: $250,000 and Above; Fees could reduce the earnings on this account. Rates subject to change.
- Oct 3, 20262.02%▲ from 1.76%
- Sep 14, 20261.76%first recorded
Balance: $100,000 - $249,999.99
Balance: $1,000,000 & higher
Balance: $10,000 - $49,999.99
- Sep 24, 20262.00%▲ from 1.85%
- Sep 19, 20261.85%first recorded
Balance: $1,000,000+
Balance: $100,000 - $249,999.99
- Oct 3, 20261.85%▲ from 1.70%
- Sep 14, 20261.70%first recorded
Balance: $50,000 to $99,999.99
Balance: Any balance up to $24,999.99
Published APY range: 1.61% to 2.33%. Balance: $500,000.00 - $999,999.99
Published APY range: 1.61% to 3.71%. Balance: $500,000.00 and up
Balance: $500,000.00 - $999,999,999.99
Balance: $5,000,000 or more
Balance: $2,000 - $9,999.99
- Sep 24, 20261.55%▲ from 1.40%
- Sep 19, 20261.40%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.
Garden City, CO Money Market Rate Trends
Compare local Garden City, 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 0.004 points over the past 7 days to 3.224% APY.
Colorado standard MMA rates fell 0.007 points over the past 7 days to 0.769% APY.
Garden City, 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 Garden City, Colorado.
Money Market Account Earnings in Garden City, 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 | $322.41 / year | $26.87 | $76.91 / year | $6.41 |
| $25,000 | $806.03 / year | $67.17 | $192.28 / year | $16.02 |
| $50,000 | $1,612.05 / year | $134.34 | $384.55 / year | $32.05 |
| $100,000 | $3,224.10 / year | $268.68 | $769.10 / year | $64.09 |
| 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: Garden City, Colorado money market rate averages as of October 13, 2026. | ||||
Available in Garden City, Colorado Area
About Our Garden City, Colorado Money Market Rate Database
MonitorBankRates tracks money market rate offers from 53 banks and credit unions available to Garden City, Colorado residents via statewide and national offers. No branch locations physically in Garden City are currently in our database, but all listed offers are open to Garden City 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: Meridian Trust Federal Credit Union offers a money market account at 6.00% APY. Use the rate table above to compare all current offers in Garden City, Colorado.
How to Find the Best Money Market Rates in Garden City, Colorado
What to compare when shopping for a money market account in Garden City, Colorado
To find the best money market APYs in Garden City, Colorado, start with credit unions and online-only banks: Garden City, Colorado has 28 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 6.00%, 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. Garden City, 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 Garden City, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 53 institutions in Garden City, 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 Garden City, Colorado CD rates
- You don’t need check writing and want a lower minimum Garden City, Colorado savings rates
- You need daily transaction access Garden City, Colorado checking rates
Colorado Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
15.6% 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 ($5,216/year) would earn an additional $168 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Garden City, Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Garden City, 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 Garden City, Colorado 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.
Garden City, 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 Garden City, 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 Garden City, Colorado
At CO’s top money market rate of 6.00% from Meridian Trust Federal Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Garden City, Colorado earner is roughly $13,000. At 3.224% APY in a money market account, saving $1,090/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 Garden City, Colorado earner makes $52,167/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 $47,159 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 Garden City, 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 Garden City, 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 Garden City, 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 Garden City, Colorado
What is a Money Market Account (MMA)?
Are Money Market accounts in Garden City, Colorado safe?
How often do MMA rates change in Garden City, Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Garden City, 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 Garden City, Colorado for money market accounts?
Best Money Market Rates in Garden City, Colorado
- Meridian Trust Federal Credit Union
Momentum Money Market: 6.00% APY - Sunward
Power Money Market Account: 5.05% APY - Solera National Bank
Money Market High Yield Savings: 4.07% APY - Meritrust Credit Union
Money Market Including Business and IRA: 4.00% APY - Bankers Bank of the West
Money Market: 3.97% APY
Garden City, Colorado Rates & Resources
