Best Money Market Rates in Grayling, Michigan (MI) - May 2026
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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.
Current Grayling, Michigan and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank305 E Michigan Ave, Grayling, MI 49738A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN2500 S I 75 Business Loop, Grayling, MI 49738A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, North Central Area Credit UnionNorth Central Area Credit Union505 Clyde St, Grayling, MI 49738A5.0 ★Texas Ratio: 11.48% MONEY MARKET at 2.60% APY, EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 4.53% Essential Money Market at 4.50% APY, and ORSA Credit UnionORSA Credit UnionA5.0 ★Texas Ratio: 8.20% Money Market at 4.20% APY. Money market rates as of May 10, 2026 according to verified data from MonitorBankRates.
Grayling has 3 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 305 E Michigan Ave, Grayling, MI 49738. 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 Grayling, Michigan and surrounding area. Last Updated and Verified: May 10, 2026
Compare the Best Money Market Rates Today in Grayling, 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%
305 E Michigan Ave, Grayling, MI 49738
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
305 E Michigan Ave, Grayling, MI 49738
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
2500 S I 75 Business Loop, Grayling, MI 49738
Business Money Market Savings
3.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
305 E Michigan Ave, Grayling, MI 49738
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
305 E Michigan Ave, Grayling, MI 49738
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
505 Clyde St, Grayling, MI 49738
MONEY MARKET
2.60%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
505 Clyde St, Grayling, MI 49738
MONEY MARKET
2.35%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
505 Clyde St, Grayling, MI 49738
MONEY MARKET
2.15%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
505 Clyde St, Grayling, MI 49738
MONEY MARKET
1.90%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
505 Clyde St, Grayling, MI 49738
MONEY MARKET
1.65%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Essential Money Market
4.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate4.12%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.03%
Business Money Market
4.10%
$0
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Money Market Special
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
for the first six months.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000,000 +
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market Account
3.75%
$500
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Elevate Money Market
3.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Money Market Special
3.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Promo Rate
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
WesBanco Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Money Market Special
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 5, 2026
Details
With a minimum of $25k new money
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Money Market
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
As High As
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
High Yield Money Market Account Rate
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 9
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 8
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
Business IMMA - Tier 7
3.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
Business Money Market Account
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.84%
Money Market
3.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market Accounts
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Money Market
3.29%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
up to
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$250,000 - $999,999
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Earn More, Effortlessly
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 9
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 8
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
IMMA - Tier 7
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.29%
Money Market Account
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Jumbo Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Plus Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
2 free withdrawals monthly***
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Quest Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Insured Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Money Management Account (MMA)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$1,000,000 Minimum Balance
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 - $249,999
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kalsee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Business Money Markets
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market Tier 5
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market Tier 5
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market Tier 4
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market Tier 4
2.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Money Market Account (Tiered Rate)
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market Savings
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Money Market Accounts
1.97%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
up to
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Business Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Personal Money Market Tier 3
1.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
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 Grayling, 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.
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.
Grayling, MI Money Market Rate Trends
Compare local Grayling, 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.
High-Yield MMA — MI Avg
3.520%
▲ 0.008 vs 7 days ago
Michigan high-yield MMA rates rose 0.008 points over the past 7 days to 3.520% APY.
Standard MMA — MI Avg
0.678%
▲ 0.040 vs 7 days ago
Michigan standard MMA rates rose 0.040 points over the past 7 days to 0.678% APY.
As of May 11, 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 deposit account rates for Grayling, 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 Grayling, 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 Grayling, Michigan
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Grayling, 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 Grayling, 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.
How much do I need to deposit to open a money market account in Grayling, Michigan?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Grayling, Michigan require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Grayling, Michigan
Here are some of the highest money market account APYs currently available in Grayling, Michigan and the surrounding area:
- The Huntington National Bank
High-Yield Money Market — 3.82% APY - Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - North Central Area Credit Union
MONEY MARKET — 2.60% APY - EastRise Credit Union
Essential Money Market — 4.50% APY - ORSA Credit Union
Money Market — 4.20% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Grayling, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 10, 2026
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