Lakewood, Colorado Money Market Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Lakewood, Colorado money market account rates range from 0.01% to 4.34% APY, verified by MonitorBankRates as of November 12, 2026. Current Lakewood, Colorado and the surrounding area money market deposit account rates include Solera National BankSolera National Bank319 S Sheridan Blvd, Lakewood, CO 80226A5.0 ★Texas Ratio: 11.66%Real return: +0.64%APY minus 3.7% CPIRate verified Nov 11, 2026 Balance Builder Money Market - Bundle Rate at 4.34% APY, The Huntington National BankThe Huntington National Bank15111 Detroit Ave, Lakewood, OH 44107A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus 3.7% CPIRate verified Nov 11, 2026 Relationship Money Market Account at 3.85% APY, Academy BankAcademy Bank7455 W Colfax Ave, Lakewood, CO 80214A+5.0 ★Texas Ratio: 5.08%Real return: -0.05%APY minus 3.7% CPIRate verified Nov 11, 2026 Premier Money Market Account at 3.65% APY, US BankUS Bank1415 Carr St, Lakewood, CO 80214A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Nov 11, 2026 Elite Money Market Account at 3.40% APY, and Westerra Credit UnionWesterra Credit Union375 Union Blvd, Lakewood, CO 80228A+5.0 ★Texas Ratio: 3.20%Real return: -0.45%APY minus 3.7% CPIRate verified Nov 8, 2026 Business Money Market Select at 3.25% APY. Money market rates as of November 12, 2026 according to verified data from MonitorBankRates.
Lakewood has 16 local institutions in our database, with money market rates as high as 4.34% APY from Solera National Bank at 319 S Sheridan Blvd, Lakewood, CO 80226. 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 Lakewood, Colorado and surrounding area. Last Updated and Verified: November 12, 2026
Compare the Best Money Market Rates Today in Lakewood, Colorado & the Surrounding Area
Requires an open Effortless Checking; Balance: $1,000 minimum daily balance required to earn APY; Bundle rate requires Effortless Checking account; $1,000 average daily balance waives the $10/month service fee; Not available for retirement accounts (IRA, solo 401(k), or similar)
Requires an open Huntington Perks Checking; Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Nov 11, 20263.85%▲ from 0.05%
- Sep 27, 20260.05%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Introductory promotional 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 Academy Bank account; maximum deposit eligible for promotional rate is $3,000,000; after the promotional period the rate is not stated on the page; the rate printed in the rates table was not displayed (zip code required)
Balance: $25,000 to $49,999.99; Rate valid for new Elite Money Market clients only; requires $25,000 deposit within 30 days of account opening and minimum daily balance of $25,000
Balance: $250,000+; If requirements are met
Qualifications Required; Balance: $250,000+; Tiered rate when requirements are met
Balance: $50,000.01-$100,000
Balance: $50,000-$99,999.99
Balance: $50,000+
Balance: $100,000 - $249,999; Dividends compounded and credited monthly
- Nov 3, 20263.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $100,000 - $249,999
- Nov 3, 20263.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $1,000+; Interest compounded & credited monthly
Balance: $50,000-$99,999.99; If requirements are met
Qualifications Required; Balance: $50,000-$99,999.99; Tiered rate when requirements are met
Balance: $250,000 and over; Fifth Tier
- Oct 13, 20262.85%▲ from 2.70%
- Sep 14, 20262.70%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.
Lakewood, CO Money Market Rate Trends
Compare local Lakewood, 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 0.004 points over the past 7 days to 3.220% APY.
Colorado standard MMA rates rose 0.002 points over the past 7 days to 0.723% APY.
Lakewood, 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 3.220% 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 Lakewood, Colorado.
Money Market Account Earnings in Lakewood, 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 (3.220% APY) | Monthly Earnings | Standard MMA (0.723% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $321.95 / year | $26.83 | $72.31 / year | $6.03 |
| $25,000 | $804.88 / year | $67.07 | $180.77 / year | $15.06 |
| $50,000 | $1,609.75 / year | $134.15 | $361.55 / year | $30.13 |
| $100,000 | $3,219.50 / year | $268.29 | $723.10 / year | $60.26 |
| 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: Lakewood, Colorado money market rate averages as of November 12, 2026. | ||||
About Our Lakewood, Colorado Money Market Rate Database
MonitorBankRates found 16 institutions with branches in Lakewood (8 banks, 8 credit unions), plus 5 additional state-chartered and national online institutions available to Lakewood 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: Solera National Bank offers a money market account at 4.34% APY. Use the rate table above to compare all current offers in Lakewood, Colorado.
How to Find the Best Money Market Rates in Lakewood, Colorado
What to compare when shopping for a money market account in Lakewood, Colorado
To find the best money market APYs in Lakewood, Colorado, start with credit unions and online-only banks: Lakewood, Colorado has 12 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 3.220% but top local institutions are offering as high as 4.34%, 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. Lakewood, Colorado high-yield money market rates currently average 3.220% 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 Lakewood, Colorado institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 21 institutions in Lakewood, 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 Lakewood, Colorado CD rates
- You don’t need check writing and want a lower minimum Lakewood, Colorado savings rates
- You need daily transaction access Lakewood, Colorado checking rates
Lakewood, Colorado Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s CO high-yield money market average of 3.220%, saving 10% of the local median salary ($5,171/year) would earn an additional $166 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Lakewood, Colorado Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Lakewood, Colorado.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current CO Avg APY | 3.220% | View Savings Rates | 0.723%(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 Lakewood, Colorado averages tracked in our database as of November 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Lakewood, 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 Lakewood, 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 Lakewood, Colorado
At CO’s top money market rate of 4.34% from Solera National Bank, a $10,000 deposit earns $434 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lakewood, Colorado earner is roughly $12,900. At 3.220% APY in a money market account, saving $1,080/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 3.220% 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 Lakewood, Colorado earner makes $51,713/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.220% APY.
Retirement PlannerA $25,000 money market balance earning 3.220% APY grows to roughly $47,117 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 Lakewood, 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 Lakewood, 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 Lakewood, 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 Lakewood, Colorado
What are money market account rates in Lakewood, Colorado today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Lakewood, Colorado safe?
How often do MMA rates change in Lakewood, Colorado?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Lakewood, 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 Lakewood, Colorado for money market accounts?
Best Money Market Rates in Lakewood, Colorado
- Solera National Bank
Balance Builder Money Market - Bundle Rate: 4.34% APY - The Huntington National Bank
Relationship Money Market Account: 3.85% APY - Academy Bank
Premier Money Market Account: 3.65% APY - US Bank
Elite Money Market Account: 3.40% APY - Westerra Credit Union
Business Money Market Select: 3.25% APY
Lakewood, Colorado Rates & Resources
