Best Money Market Rates in Athens, Indiana - August 2026
Brian McKay
Brian McKay
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Current Athens, Indiana and the surrounding area money market deposit account rates include Hoosier Hills Credit UnionHoosier Hills Credit UnionA5.0 ★Texas Ratio: 8.66%Real return: +1.25%APY minus 2.8% CPI (February 2026) High Yield Money Market at 4.05% APY, Interra Credit UnionInterra Credit UnionA+5.0 ★Texas Ratio: 1.62%Real return: +1.23%APY minus 2.8% CPI (February 2026) Business LINked Money Market Share Account at 4.03% APY, Inova Federal Credit UnionInova Federal Credit UnionA5.0 ★Texas Ratio: 9.61%Real return: +1.20%APY minus 2.8% CPI (February 2026) Shield Money Market at 4.00% APY, Centier BankCentier BankA+5.0 ★Texas Ratio: 2.21%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY, and Liberty Federal Credit UnionLiberty Federal Credit UnionA+5.0 ★Texas Ratio: 2.06%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market at 4.00% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Athens is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Indiana area are available to Athens residents, with money market rates as high as 4.05% APY from Hoosier Hills Credit Union. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Athens, Indiana and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Athens, Indiana & the Surrounding Area
Rates effective as of 4/1/26 and subject to change without notice. For Business LINked Money Market Share Accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of the account. The minimum balance required to open this account is $10,000.
Qualifications Required: Maintain the daily balance; Have an Interra Credit Union checking account in good standing; Be enrolled in Online Banking; Enroll in e-Statements and receive e-Statement notices to a valid email address; Rates effective as of 4/1/26 and subject to change without notice. To receive the stated APY, the primary member must maintain a daily balance of at least $10,000 for a LINked MMSA, have an Interra Credit Union checking account in good standing, and enroll in online banking and e-Statements.
Guaranteed until 2027!
Qualifications Required: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00; A member must have a Shield Checking Account to be eligible to open the Shield Money Market Account. For Shield Money Market Accounts, if you meet the requirements for the Shield Checking Account, the first dividend rate (or higher yield) and annual percentage yield will apply to the entire balance in the Shield Money Market Account. The qualifications for the member's Shield Checking Account are: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00. If you do not meet the requirements, the standard dividend and annual percentage yield listed for the Shield Money Market Account will apply to the entire balance. The balance method used to calculate the interest for the Shield Money Market Account is the Daily Balance Method.
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
Limited time offer. Rates are subject to change without notice. Personal accounts only, no public, business, or brokered funds for this offer. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. Fees may reduce the earnings on the account.
Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details.
Dividend Distribution: Monthly
3.09% with a daily balance of $1,000,000 or less; 3.64% with a daily balance above $1,000,000
APY may change after account opening. Limited to 6 preauthorized transfers or withdrawals per monthly statement cycle. Excess withdrawal fee for more than 6 withdrawals or transfers per month may reduce earnings on the account.
If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Limited time offer. Rates are subject to change without notice. Personal accounts only, no public, business, or brokered funds for this offer. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. Fees may reduce the earnings on the account.
Intro rate APY 3.50%
$15,000+; Intro rate
Qualifications Required: minimum new money deposit of $25,000; Promotional rate effective through 12/31/2026 and subject to change. After 12/31/2026 or if you do not have the minimum new money deposit of $25,000 to qualify for the promotional rate, you would be paid the standard rate. The standard rate for the Ultra Money Market is calculated by using the Federal Reserve Bank's Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. The minimum APY is 0.00%, and the maximum APY is 7.23%. Minimum opening deposit for Ultra Money Market is $50,000. New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026. Balance requirements: For Ultra Money Market there is a minimum daily balance of $50,000 required and you must have at least $100,000 in combined relationships (shares, loans, and investments) under the same member number of the Ultra Money Market on the last day of the prior dividend period to earn the annual percentage yield disclosed for the dividend period.
(4) **
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
Non-Relationship Rate
If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Dividends are earned daily and posted monthly. 6 withdrawals or transfers per month. Rates on the Money Market Account can change weekly. If balance drops below $25,000, dividends will not be earned.
3.09% with a daily balance of $1,000,000 or less; 3.64% with a daily balance above $1,000,000
Supercharge your piggy bank. More interest means more savings - it's just that simple with our FDIC-insured*, high-interest Money Market accounts. Earn nearly 5 x the national average** Apply online in minutes Learn More Open Today *Deposits are FDIC insured up to $250,000 per depositor for each account ownership category. To learn more, visit www.fdic.gov . **As of 7/20/2026 , the national average Annual Percentage Yield (APY) for Money Market Savings accounts is 0.65 %, as published in the FDIC's Weekly National Rates and Rate Caps; average rate used is for deposits up to $100,000. The Daily Balance method is used to calculate interest. For additional information, visit our Disclosures page .
Daily balances of
If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Limited time offer. Rates are subject to change without notice. Personal accounts only, no public, business, or brokered funds for this offer. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. Fees may reduce the earnings on the account.
A $100,000 minimum balance is required to open. Dividends calculated on daily balance, compounded daily and credited to account at month end. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate of the lower tier. Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details.
(4) **
Daily balance of $5,000,000 or below
If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
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). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
If your daily balance is between $20,000 and $49,999.99, you will obtain an APY of 2.65%. If your daily balance is between $50,000 and $99,999.99, you will obtain an APY of 2.80%. If your daily balance is between $100,000 and $249,999.99, you will obtain an APY of 3.00%. If your daily balance is between $250,000 and $499,999.99, you will obtain an APY of 3.25%. If your daily balance is $500,000 or more, you will obtain an APY of 3.50%. A minimum balance fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $20,000.00 any day of the cycle. Fees could reduce the earnings on the account.
Daily balances of
Compounded Monthly
(4) **
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.
Athens, IN Money Market Rate Trends
Compare local Athens, IN 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.
Indiana high-yield MMA rates rose 0.009 points over the past 7 days to 3.220% APY.
Indiana standard MMA rates rose 0.001 points over the past 7 days to 0.490% APY.
Athens, Indiana Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current IN 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 IN 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: 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 Athens, Indiana.
Money Market Account Earnings in Athens, Indiana
Annual interest earnings at current IN 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 (0.490% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $321.96 / year | $26.83 | $49.04 / year | $4.09 |
| $25,000 | $804.90 / year | $67.08 | $122.60 / year | $10.22 |
| $50,000 | $1,609.80 / year | $134.15 | $245.20 / year | $20.43 |
| $100,000 | $3,219.60 / year | $268.30 | $490.40 / year | $40.87 |
| 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: Athens, Indiana money market rate averages as of August 29, 2026. | ||||
Available in Athens, Indiana Area
About Our Athens, Indiana Money Market Rate Database
MonitorBankRates tracks money market rate offers from 49 banks and credit unions available to Athens, Indiana residents via statewide and national offers. No branch locations physically in Athens are currently in our database, but all listed offers are open to Athens 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 (1–5), 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: Hoosier Hills Credit Union offers a money market account at 4.05% APY. Use the rate table above to compare all current offers in Athens, Indiana.
How to Find the Best Money Market Rates in Athens, Indiana
What to compare when shopping for a money market account in Athens, Indiana
To find the best money market APYs in Athens, Indiana, start with credit unions and online-only banks — Athens, Indiana has 30 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 IN high-yield money market average is 3.220% — but top local institutions are offering as high as 4.05%, 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. Athens, Indiana 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 Athens, Indiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 49 institutions in Athens, Indiana 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 → Athens, Indiana CD rates
- You don’t need check writing and want a lower minimum → Athens, Indiana savings rates
- You need daily transaction access → Athens, Indiana checking rates
Indiana Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
16.8% of residents are 65 or older — below the national average of 17.3%. At today’s IN high-yield money market average of 3.220%, saving 10% of the local median salary ($4,324/year) would earn an additional $139 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Athens, Indiana Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Athens, Indiana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 3.220% | View Savings Rates | 0.490%(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 Athens, Indiana averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Athens, Indiana 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 Athens, Indiana 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 Athens, Indiana
At IN’s top money market rate of 4.05% from Hoosier Hills Credit Union, a $10,000 deposit earns $405 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Athens, Indiana earner is roughly $10,800. At 3.220% APY in a money market account, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIndiana’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 Athens, Indiana earner makes $43,243/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 $47,118 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 Athens, Indiana 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 Athens, Indiana 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 Athens, Indiana. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in IN.
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 Athens, Indiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Athens, Indiana safe?
How often do MMA rates change in Athens, Indiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Athens, Indiana?
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 Athens, Indiana for money market accounts?
Best Money Market Rates in Athens, Indiana
- Hoosier Hills Credit Union
High Yield Money Market — 4.05% APY - Interra Credit Union
Business LINked Money Market Share Account — 4.03% APY - Inova Federal Credit Union
Shield Money Market — 4.00% APY - Centier Bank
Money Market Special — 4.00% APY - Liberty Federal Credit Union
Money Market — 4.00% APY
Athens, Indiana Rates & Resources
