Shamrock Lakes, Indiana money market account rates from banks and credit unions serving Indiana range from 2.25% to 4.05% APY, verified by MonitorBankRates as of October 12, 2026. Current Shamrock Lakes, Indiana and the surrounding area money market deposit account rates include Hoosier Hills Credit UnionHoosier Hills Credit UnionA5.0 ★Texas Ratio: 7.37%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: 1.39%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: 8.94%Real return: +1.20%APY minus 2.8% CPI (February 2026) Shield Money Market at 4.00% APY, Everence Trust CompanyEverence Trust CompanyA+5.0 ★Texas Ratio: 0.00%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market (Tier 1) at 4.00% APY, and Liberty Federal Credit UnionLiberty Federal Credit UnionA+5.0 ★Texas Ratio: 2.97%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Share Account at 4.00% APY. Money market rates as of October 12, 2026 according to verified data from MonitorBankRates.
Shamrock Lakes is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Indiana area are available to Shamrock Lakes residents, with money market rates as high as 4.05% APY from Hoosier Hills Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Shamrock Lakes, Indiana and surrounding area. Last Updated and Verified: October 12, 2026
Balance: $3,000,000 - Above; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $3,000,000.00+
Balance: $3,000,000.00+
Balance: $50 to $2,500
Balance: $250,000.01 or greater
Balance: $1,000,000 or more
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Balance: $50 to $2,500; Open with $25; minimum balance of $50 to earn the APY
Balance Optimizer
Balance: above $5,000,000
Balance: $1,000,000 - $2,999,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $1,000,000.00-$2,999,999.99
Balance: $1,000,000.00-$2,999,999.99
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.
Earn up to 3.75% APY with a Money Market Savings
Balance: $25,000 and above
Balance: $500,000.00 and up
Qualifications Required: 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 Required to Earn Dividends: $50,000 and Greater (New Money Promotion)*; 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.
Balance: $1,000,000.00 >
Balance: $1,000,000.00 >
Balance: $1,000,000+
Balance: $250,000; Dividend Distribution: Monthly
Balance: $500,000 - $999,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $500,000.00-$999,999.99
Balance: $500,000.00-$999,999.99
Balance: $500,000+
Balance: $10,000 and above
Balance: $500,000
Balance: $100,000.01 - $250,000
Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
Balance: $15,000+; Intro rate
Balance: $250,000 and over
Balance: $250,000 and over
Balance: $500,000.00 - or more
Balance: $25,000 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $150,000.00 - $249,999.99
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000+
Balance: $250,000.00-$499,999.99
Balance: $250,000 and over
Balance: $100,000.00 - $149,999.99
Balance: $250,000.00-$499,999.99
Balance: $250,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. 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.
Balance: $1,000,000 +
Balance: $250,000.00 or greater
Balance: $250,000
Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
Balance: $100,000 & UP; Dividends earned daily and posted monthly
Earn 3.25% APY; dividends not earned if balance drops below $25,000; dividends earned daily and posted monthly; 6 withdrawals or transfers per month; rates can change weekly
Balance: $50,000.00 - $99,999.99
Balance: $500,000.00 - $999,999.99
Balance: $500,000.00 - $999,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
Balance: $250,000 - $499,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026
Balance: $100,000.00-$249,999.99
The interest rate may change at any time. $7.50 monthly service charge. No monthly service charge if minimum daily balance of $25,000 is maintained. Free eStatements. $7.50 paper statement. Free debit card. Free mobile deposit.
Balance: $10,000.00-$249,999.99
Annual Percentage Yield: 3.09% with a daily balance of $1,000,000 or less; Interest rate: 3.05% with a daily balance of $1,000,000 or less; Monthly maintenance fee: $5; Average daily balance to avoid fee: $4,000; ATM surcharge rebate Up to $10 per month: YES
Supercharge your piggy bank. More interest means more savings - it's just that simple with our FDIC-insured*, high-interest Money Market accounts.
Balance: $1,000,000+
Balance: $25,000 & Over
Balance: $100,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. 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.
Balance: $500,000 - $999,999
Balance: Over $1,000,000
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $250,000 - $999,999
Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
Balance: $5,000,000 or below
Balance: $50,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. 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.
Balance: $250,000.00 and above
Balance: $100,000 - $2,499,999.99
Balance: $250,000 - $499,999
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: $500,000.00 & Above
Balance: $20,000+
Annual Percentage Yield (APY) is accurate as of March 2, 2026, and is subject to change, including after account opening, without notice. 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.
Balance: $25,000 - $49,999.99
Balance: $500,000.00 - $999,999.99
Balance: $100,000 - $249,999
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: Tier 5 $250,000-over; Rates may change after opening on this type of account
Balance: $100,000 - $249,999
Balance: $25,000.01 and over
Balance: $500,000 to $999,999.99
Balance: Tier 4 $100,000-$249,999; Rates may change after opening on this type of account
Account balances of $0.00 to $74,999.99 will earn 0.50% APY, account balances of $75,000 to $149,999.99 will earn 0.75% APY, and account balances of $150,000.00 and over will earn 2.25% APY. Offer valid beginning September 25, 2026 and may be eliminated at any time. Account is available to individuals only. Six complimentary withdrawals per month. $10.00 monthly Account Service Fee applies if balance falls below minimum.
Balances of $2,500 to $9,999.99 will earn 0.01% APY, account balances of $10,000 to $74,999.99 will earn 0.50% APY, account balances of $75,000.00 to $249,999.99 will earn 0.75% APY, and account balances of $250,000.00 and over will earn 2.25% APY. APY is accurate as of September 25, 2026. Rates are subject to change at any time. Minimum balance is $10,000 and a $10.00 monthly Account Service Fee applies if balance falls below minimum. Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone or internet transfers or by check, draft, debit card, or similar to third parties are limited to six per statement cycle. A $15.00 service fee applies for each withdrawal exceeding six. Activity charges can be imposed. Includes 4 free deposits and 10 free deposited checks per month. Each additional deposit is $0.50 and each additional deposited check is $0.15. Fees may reduce earnings. Other fees or restrictions may apply.
Balance: $50,000 - $99,999
Compare local Shamrock Lakes, 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 fell 0.007 points over the past 7 days to 3.098% APY.
Indiana standard MMA rates fell 0.015 points over the past 7 days to 0.501% APY.
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 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 IN high-yield money market average of 3.098% 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 Shamrock Lakes, 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 (3.098% APY) | Monthly Earnings | Standard MMA (0.501% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $309.76 / year | $25.81 | $50.12 / year | $4.18 |
| $25,000 | $774.40 / year | $64.53 | $125.30 / year | $10.44 |
| $50,000 | $1,548.80 / year | $129.07 | $250.60 / year | $20.88 |
| $100,000 | $3,097.60 / year | $258.13 | $501.20 / year | $41.77 |
| 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: Shamrock Lakes, Indiana money market rate averages as of October 13, 2026. | ||||
MonitorBankRates tracks money market rate offers from 53 banks and credit unions available to Shamrock Lakes, Indiana residents via statewide and national offers. No branch locations physically in Shamrock Lakes are currently in our database, but all listed offers are open to Shamrock Lakes 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: Hoosier Hills Credit Union offers a money market account at 4.05% APY. Use the rate table above to compare all current offers in Shamrock Lakes, Indiana.
What to compare when shopping for a money market account in Shamrock Lakes, Indiana
To find the best money market APYs in Shamrock Lakes, Indiana, start with credit unions and online-only banks: Shamrock Lakes, Indiana has 34 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 IN high-yield money market average is 3.098% 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.
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 3.098%, saving 10% of the local median salary ($4,324/year) would earn an additional $134 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Shamrock Lakes, Indiana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 3.098% | View Savings Rates | 0.501%(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 Shamrock Lakes, Indiana 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.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Shamrock Lakes, 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.
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 Shamrock Lakes, Indiana earner is roughly $10,800. At 3.098% 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 3.098% 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 Shamrock Lakes, Indiana earner makes $43,243/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.098% APY.
Retirement PlannerA $25,000 money market balance earning 3.098% APY grows to roughly $46,016 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Shamrock Lakes, 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 Shamrock Lakes, 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 Shamrock Lakes, 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.