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

Content reviewed by
Brian McKay Brian McKay
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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 5, 2026

Current Cadillac, Michigan and the surrounding area money market rates include New England Federal Credit UnionNew England Federal Credit UnionA+5.0 ★Texas Ratio: 4.53% Essential Money Market at 4.50% APY, Community Financial Credit Union Plymouth, MICommunity Financial Credit Union Plymouth, MIA5.0 ★Texas Ratio: 8.20% Money Market at 4.20% APY, Community Choice Credit UnionCommunity Choice Credit UnionA5.0 ★Texas Ratio: 7.03% Business Money Market at 4.10% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit UnionA+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.05% APY, and United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% Money Market Special at 4.00% APY. Money market rates as of April 5, 2026 according to verified data from MonitorBankRates.

Cadillac has 5 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 103 N Mitchell St, Cadillac, MI 49601. Use the table below to compare all available offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Cadillac, Michigan and surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Money Market Rates Today in Cadillac, Michigan & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details

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

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
3.66%
$0
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Private Client Account****

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Business Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Business Money Market Savings
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Huntington Platinum Perks Checking***

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

With Huntington Perks Checking**

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Non-Relationship Rate

Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
9100 E 34 Rd, Cadillac, MI 49601 8851
Money Market
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market
3.25%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

$49,999.01 minimum balance required to receive the 3.25% APY. The Money Market APY will be paid on the entire balance in your account. Interest is earned on balances $19,999.01 and over and must be opened with money not currently on deposit at Horizon Bank. Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market Account
3.25%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $50,000.00; Limited-time offer

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details

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

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market Account
3.00%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Limited-time offer

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market
3.00%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Interest is earned on balances $19,999.01 and over and must be opened with money not currently on deposit at Horizon Bank. Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Business Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market Account
1.00%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Limited-time offer

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Money Market
1.00%
$25
View
▼
Rate—
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Interest is earned on balances $19,999.01 and over and must be opened with money not currently on deposit at Horizon Bank. Personal accounts only, no public, business, or brokered funds for this offer. Limited time offer. Rates are subject to change without notice.

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Non-Relationship Rate

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
302 S Mitchell St, Cadillac, MI 49601
Business Money Market
0.01%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
103 N Mitchell St, Cadillac, MI 49601
Relationship Money Market Account
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Non-Relationship Rate

New England Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Essential Money Market
4.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

up to

Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
4.20%
$0
View
▼
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Business Money Market
4.10%
$0
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.05%
$0
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

$1,000,000 +

Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Surge Money Market
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Qualifying balance up to $1,000.00

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Money Market Special
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Intro rate expires: 6 months

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $25,000.00

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $25,000.00

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Elevate Money Market
3.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Honor Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Amplify Money Market Rate
3.57%
$0
View
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
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

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

On balances $25,000+

Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
High Yield Money Market Account Rate
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
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%
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%
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%
Business Money Market Account
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
Money Market Premium
3.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.20%
Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
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%
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

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

$250,000 - $999,999

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

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

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

Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
Health Savings Account (HSA) Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 9
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%
IRA-HSA IMMA - Tier 9
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%
IRA-HSA IMMA - Tier 7
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

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

Filer Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
MONEY MARKET SHARE
3.04%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Money Market Plus Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Insured Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Business Money Markets
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Money Market
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Money Management Account (MMA)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$500,000 Minimum Balance

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

$100,000 - $249,999

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market Tier 5
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market Tier 5
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Diversified Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
Mega Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
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%
Ultimate Money Market
2.55%
$100
View
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details

($100 min. deposit to open)

Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★ Texas Ratio: 13.86%
UB Business Money Market
2.53%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
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%
Business Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★ Texas Ratio: 13.86%
UB Cannabis Money Market
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★ Texas Ratio: 13.86%
Universal Money Market
2.53%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Purpose Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market Tier 4
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market Tier 4
2.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
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%
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%
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%
Premium Money Market
2.24%
$0
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 Cadillac, 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.

Cadillac, MI Money Market Rate Trends

Compare local Cadillac, MI 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
2.440%
▼ 0.385 vs 7 days ago

Michigan high-yield MMA rates fell 0.385 points over the past 7 days to 2.440% APY.

Standard MMA — MI Avg
1.750%
▲ 0.052 vs 7 days ago

Michigan standard MMA rates rose 0.052 points over the past 7 days to 1.750% APY.

As of Apr 6, 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 Cadillac, 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 Cadillac, 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 Cadillac, 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 Cadillac, 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 Cadillac, 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 Cadillac, Michigan

Here are some of the highest money market account APYs currently available in Cadillac, Michigan and the surrounding area:
  • New England Federal Credit Union
    Essential Money Market — 4.50% APY
  • Community Financial Credit Union Plymouth, MI
    Money Market — 4.20% APY
  • Community Choice Credit Union
    Business Money Market — 4.10% APY
  • LMCU Lake Michigan Credit Union
    Max Money Market — 4.05% APY
  • United Federal Credit Union
    Money Market Special — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cadillac, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026

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