Best Money Market Rates in Richmond, Indiana (IN) - May 2026
Brian McKay
Brian McKay
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Current Richmond, Indiana and the surrounding area money market deposit account rates include Wayne Bank and Trust Co.Wayne Bank and Trust Co.500 S A St, Richmond, IN 47374A+5.0 ★Texas Ratio: 4.86% Silver Eagle Money Market Account at 3.05% APY, Three Rivers Federal Credit UnionThree Rivers Federal Credit Union34 S 7th St, Richmond, IN 47374 5424A5.0 ★Texas Ratio: 6.18% Jumbo Money Market at 3.00% APY, Kemba Credit UnionKemba Credit Union50 N 5th St, Richmond, IN 47374A5.0 ★Texas Ratio: 6.17% Money Market at 3.00% APY, Natco Credit UnionNatco Credit Union582 S ROUND BARN RD, RICHMOND, IN 47374 4435A+5.0 ★Texas Ratio: 5.02% Money Market Accounts at 0.75% APY, and Hoosier Hills Credit UnionHoosier Hills Credit UnionA5.0 ★Texas Ratio: 9.40% High Yield Money Market at 4.05% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
Richmond has 4 local institutions in our database, with money market rates as high as 3.05% APY from Wayne Bank and Trust Co. at 500 S A St, Richmond, IN 47374. Use the table below to compare all available offers, including options from institutions serving the broader Indiana area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Richmond, Indiana and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in Richmond, Indiana & the Surrounding Area
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Penalty for early withdrawal may apply
for the first six months.
Minimum of **$25,000** not currently deposited at Huntington.
Tier 1
Learn more
Promo Rate
$15,000+
With a minimum of $25k new money
Minimum of **$25,000** not currently deposited at Huntington.
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
Qualifying balance up to $1,000,000.00
Earn 5x the national average**
$500,000.00
*Minimum of $100 required to open First Money Market / (Rates may change after opening on this type of account); **Tier minimum required to obtain Annual Percentage Yield
Rates can change daily, Daily compounding
Rates can change daily, Daily compounding
*Minimum of $100 required to open First Money Market / (Rates may change after opening on this type of account); **Tier minimum required to obtain Annual Percentage Yield
Tier 2
$100,000.00 - $499,999.99
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.
Richmond, IN Money Market Rate Trends
Compare local Richmond, 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 currently average 3.292% APY.
Indiana standard MMA rates currently average 0.554% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Indiana
What is a Money Market Account (MMA)?
Are Money Market accounts in Richmond, Indiana safe?
How often do MMA rates change in Richmond, Indiana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Richmond, Indiana?
Best Money Market Rates in Richmond, Indiana
- Wayne Bank and Trust Co.
Silver Eagle Money Market Account — 3.05% APY - Three Rivers Federal Credit Union
Jumbo Money Market — 3.00% APY - Kemba Credit Union
Money Market — 3.00% APY - Natco Credit Union
Money Market Accounts — 0.75% APY - Hoosier Hills Credit Union
High Yield Money Market — 4.05% APY
