Best Money Market Rates in Chelsea, Michigan - July 2026
Brian McKay
Brian McKay
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Current Chelsea, Michigan and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank1135 S Main St, Chelsea, MI 48118A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, Lake Trust Credit UnionLake Trust Credit Union1170 S Main St Ste 100, Chelsea, MI 48118 1472A5.0 ★Texas Ratio: 6.85% Money Market Premium at 3.30% APY, American 1 Credit UnionAmerican 1 Credit Union1255 S Main St, Chelsea, MI 48118A5.0 ★Texas Ratio: 9.42% Money Market Account at 0.50% APY, EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 4.41% Essential Money Market at 4.50% APY, and Community West Credit UnionCommunity West Credit UnionA+5.0 ★Texas Ratio: 2.81% Quest Money Market at 4.25% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Chelsea has 3 local institutions in our database, with money market rates as high as 3.75% APY from The Huntington National Bank at 1135 S Main St, Chelsea, MI 48118. 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 Chelsea, Michigan and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Chelsea, Michigan & the Surrounding Area
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
Rates are based on zip code. The interest rate is variable 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. 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). 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.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule .
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule .
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule .
$1,000 minimum opening balance.
$1,000 minimum opening balance.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rates are based on zip code. The interest rate is variable 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. 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). 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.
Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Variable rate. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. See fee schedule .
$1,000 minimum opening balance.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
Rate may change after account is opened. Fees could reduce the earnings on the account. Fees could reduce the earnings on the account. See fee schedule for more details.
As Low As; Rates accurate as of July 15, 2026
Dividends are determined based on a tiered rate method. This means that the interest rate paid on the entire balance in your money market account will be determined by the tier in which your current balance resides. Dividends are calculated by the daily balance method and credited on the last day of each month. Rates are variable and may change after the account is opened.
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 7/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
Special rate.
Learn More Now
Earn up to 3.65% APY*
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Tier 5: $1,000,000.00 +
$1,000,000.00 +
$500,000.00 -$999,999.99
Tier 4: $500,000.00 -$999,999.99
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.
Chelsea, MI Money Market Rate Trends
Compare local Chelsea, 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 currently average 3.650% APY.
Michigan standard MMA rates currently average 0.439% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chelsea, 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 Chelsea, 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 Chelsea, 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 Chelsea, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Chelsea, Michigan safe?
How often do MMA rates change in Chelsea, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Chelsea, Michigan?
Best Money Market Rates in Chelsea, Michigan
- The Huntington National Bank
High Yield Money Market — 3.75% APY - Lake Trust Credit Union
Money Market Premium — 3.30% APY - American 1 Credit Union
Money Market Account — 0.50% APY - EastRise Credit Union
Essential Money Market — 4.50% APY - Community West Credit Union
Quest Money Market — 4.25% APY
