MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Best Money Market Rates in Michigan (MI) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 16, 2026

Current Michigan money market rates include New England Federal Credit UnionNew England Federal Credit Union500 E Lafayette Blvd, Detroit, MI 48226A+5.0 ★Texas Ratio: 4.53% Essential Money Market at 4.50% APY, Community Choice Credit UnionCommunity Choice Credit Union31155 Northwestern Hwy, Farmington Hills, MI 48334 2502A5.0 ★Texas Ratio: 7.03% Business Money Market at 4.10% APY, United Federal Credit UnionUnited Federal Credit Union808 E Front St, Buchanan, MI 49107 1444A+5.0 ★Texas Ratio: 3.35% Money Market Special at 4.00% APY, Honor Credit UnionHonor Credit Union8952 US Highway 31, Berrien Springs, MI 49103A+5.0 ★Texas Ratio: 5.80% Surge Money Market at 4.00% APY, and Dort Financial Credit UnionDort Financial Credit Union9048 HOLLY RD, GRAND BLANC, MI 48439A+5.0 ★Texas Ratio: 5.65% Public Funds Money Market at 4.00% APY. Money market rates as of April 16, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Michigan side-by-side. Michigan money market rates currently reach as high as 4.50% APY from New England Federal Credit Union at 500 E Lafayette Blvd, Detroit, MI 48226. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Michigan and surrounding area. Last Updated and Verified: April 16, 2026

Compare the Best Money Market Rates Today in Michigan

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
New England Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
500 E Lafayette Blvd, Detroit, MI 48226
Essential Money Market
4.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

up to

Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
31155 Northwestern Hwy, Farmington Hills, MI 48334 2502
Business Money Market
4.10%
$0
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
Max Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
Max Money Market Accounts
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No minimum balance fees; Access to your money anytime through online banking and the mobile app; Qualifying balance up to $1,000,000.00

Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
8952 US Highway 31, Berrien Springs, MI 49103
Surge Money Market
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI 49107 1444
Money Market Special
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Intro rate expires: 6 months

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
Huntington Relationship Money Market
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details

Minimum of $25,000 not currently deposited at Huntington.

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
Money Market Account
3.75%
$500
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI 48226
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
777 Woodward Ave, Detroit, MI 48226
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Premier Money Market
3.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
220 S Main St, Standish, MI 48658
Business Money Market Savings
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI 49107 1444
Elevate Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
8952 US Highway 31, Berrien Springs, MI 49103
Amplify Money Market Rate
3.57%
$0
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account (Tiered Rate)
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
10 Washington St, Monroe, MI 48161
Money Market Special
3.55%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 26, 2026
Details

180-Day Promo Rate | $10,000 Min. Balance

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI 48033 6041
High Yield Money Market Account Rate
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
Platinum Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI 48033 6041
Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

As High As

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 8
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 7
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
Business IMMA - Tier 9
3.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

ELGA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
Business Money Market Account
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
638 Boyd St, Fife Lake, MI 49633 9333
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
11756 Charest St, Hamtramck, MI 48212
Money Market
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

up to

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
11756 Charest St, Hamtramck, MI 48212
Money Market Accounts
3.29%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
5220 Lovers Ln Ste 200, Portage, MI 49002
Money Market+
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Qualifying balance up to

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
Public Funds Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
Max Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$250,000 - $999,999

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Premier Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IRA-HSA IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 8
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
Money Market Plus Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $1,000.00

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
IMMA - Tier 9
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
Huntington Relationship Money Market
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
328 S Saginaw St, Flint, MI 48502
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details

Minimum of $25,000 not currently deposited at Huntington.

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Premier Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Polish American Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Money Market Account
3.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
Max Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 - $249,999

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 5
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
5220 Lovers Ln Ste 200, Portage, MI 49002
Business Money Markets
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
4316 S Pennsylvania Ave, Lansing, MI 48910
Money Management Account (MMA)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000,000 Minimum Balance

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 5
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Insured Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
Quest Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

As Low As

Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
Money Market
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Money Market Plus
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Money Market Plus Account
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Minimum deposit of $2,500 to earn APY

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Michigan One Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
510 S Dexter St, Ionia, MI 48846
Money Market Manager
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
MVP Money Market Account (MVP MMA)
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Northpointe Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Ultimate Money Market
2.55%
$100
View
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details

($100 min. deposit to open)

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
101 W B St, Iron Mountain, MI 49801
InFocusPersonal Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
101 W B St, Iron Mountain, MI 49801
Business Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account (Tiered Rate)
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Purpose Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Business Money Market Tier 4
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
Personal Money Market Tier 4
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
MVP Money Market Account (MVP MMA)
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
139 E Broadway St, Mount Pleasant, MI 48858
Premium Money Market
2.29%
$0
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
101 W B St, Iron Mountain, MI 49801
InFocusPersonal Money Market
2.28%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Isabella Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
139 E Broadway St, Mount Pleasant, MI 48858
Premium Money Market
2.24%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
MVP Money Market Account (MVP MMA)
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
MVP Money Market Account (MVP MMA)
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
Money Market Account (Tiered Rate)
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
101 W B St, Iron Mountain, MI 49801
InFocusPersonal Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
101 W B St, Iron Mountain, MI 49801
Business Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
Money Market Savings
2.01%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Michigan and the surrounding area.

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.

Michigan Money Market Rate Trends

Compare local Michigan 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.

View Full Michigan MMA Trends →
High-Yield MMA — MI Avg
3.502%
▲ 1.005 vs 7 days ago

Michigan high-yield MMA rates rose 1.005 points over the past 7 days to 3.502% APY.

Standard MMA — MI Avg
0.840%
▼ 0.953 vs 7 days ago

Michigan standard MMA rates fell 0.953 points over the past 7 days to 0.840% APY.

As of Apr 16, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Michigan 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 Michigan. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MI.

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 Michigan

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Michigan.

Are Money Market accounts in Michigan safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Michigan up to $250,000 per depositor, per institution.

How often do MMA rates change in Michigan?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Michigan rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Michigan

Here are some of the highest money market account APYs currently available in Michigan:
  • New England Federal Credit Union
    Essential Money Market — 4.50% APY
  • Community Choice Credit Union
    Business Money Market — 4.10% APY
  • United Federal Credit Union
    Money Market Special — 4.00% APY
  • Honor Credit Union
    Surge Money Market — 4.00% APY
  • Dort Financial Credit Union
    Public Funds Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 16, 2026

Michigan Rates & Resources

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