Best Money Market Rates in Cadillac, Michigan - July 2026
Brian McKay
Brian McKay
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Current Cadillac, Michigan and the surrounding area money market deposit account rates include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN302 S Mitchell St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 2.79% Money Market Account at 3.65% APY, Forest Area Federal Credit UnionForest Area Federal Credit Union9100 E 34 Rd, Cadillac, MI 49601 8851A5.0 ★Texas Ratio: 8.39% Money Market at 3.30% APY, The Huntington National BankThe Huntington National Bank103 N Mitchell St, Cadillac, MI 49601A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.20% APY, 4Front Credit Union4Front Credit Union8807 E 34 Rd, Cadillac, MI 49601 9580A5.0 ★Texas Ratio: 7.23% Business Money Market at 0.40% APY, and Honor Credit UnionHonor Credit UnionA+5.0 ★Texas Ratio: 5.50% Surge Money Market at 4.00% APY. Money market rates as of July 11, 2026 according to verified data from MonitorBankRates.
Cadillac has 4 local institutions in our database, with money market rates as high as 3.65% APY from Horizon Bank Michigan City, IN at 302 S 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: July 11, 2026
Compare the Best Money Market Rates Today in Cadillac, Michigan & the Surrounding Area
Balance Tier
Special interest rate for balances between $25,000.00 to $2,000,000.99. Variable rate and subject to change at any time. 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. 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.
Variable rate; based on your zip code. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. 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.
Balance Tier
Balance Tier
Balance Tier
Introductory rate for the first six months.
Tiered rates based on balance.
Special rate
Special; APY**
NCUA Insurance: Up to $250,000
Preferred rates; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; A minimum of $25,000 of new money is required to qualify for preferred rates.
Save more with rates up to 3.50% APY and still have flexible access to your money.
Rates As High As 3.40% APY2
Base Rate: 0.50%; Base APY: 0.50%; Bonus Rate: 2.87%
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
Valid Thru: 06/28/2026
As Low As
Earn More, Effortlessly
Rates Effective as of:
2 free withdrawals monthly; Money Market Plus accounts are only available for new money, or funds that have not been on deposit with 1166 Federal Credit Union in the last 30 days.
Tier 5: $1,000,000.00 +
Tier 5
Tier 4: $500,000.00 -$999,999.99
up to
Tier 3: $100,000.00 -$499,999.99
Daily Balances of: $250,000.00 and up
Daily Balances of: $250,000.00 and up
Balances ? $100,000
Tier 2: $10,000.00 - $99,999.99
Daily Balances of: $150,000.00-249,999.99
Daily Balances of: $150,000.00-249,999.99
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.
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.
Michigan high-yield MMA rates fell 0.027 points over the past 7 days to 3.243% APY.
Michigan standard MMA rates currently average 0.637% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cadillac, Michigan 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 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)?
Are Money Market accounts in Cadillac, Michigan safe?
How often do MMA rates change in Cadillac, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Cadillac, Michigan?
Best Money Market Rates in Cadillac, Michigan
- Horizon Bank Michigan City, IN
Money Market Account — 3.65% APY - Forest Area Federal Credit Union
Money Market — 3.30% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY - 4Front Credit Union
Business Money Market — 0.40% APY - Honor Credit Union
Surge Money Market — 4.00% APY
