Current Holland, Michigan and the surrounding area money market deposit account rates include Community Choice Credit UnionCommunity Choice Credit Union114 S Waverly Rd, Holland, MI 49423A5.0 ★Texas Ratio: 6.60% Business Money Market at 4.10% APY, United Federal Credit UnionUnited Federal Credit Union12540 Riley St, Holland, MI 49424 8217A+5.0 ★Texas Ratio: 3.13% Money Market Special at 4.00% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union677 E 8th St, Holland, MI 49423A+5.0 ★Texas Ratio: 2.33% Business Max Money Market at 3.90% APY, The Huntington National BankThe Huntington National Bank150 Central Ave, Holland, MI 49423A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, and Horizon Bank Michigan City, INHorizon Bank Michigan City, IN77 E 8th St, Holland, MI 49423A+5.0 ★Texas Ratio: 2.79% Money Market Account at 3.65% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Holland has 9 local institutions in our database, with money market rates as high as 4.10% APY from Community Choice Credit Union at 114 S Waverly Rd, Holland, MI 49423. 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 Holland, Michigan and surrounding area. Last Updated and Verified: July 25, 2026
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.
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.
Earn up to 3.65% APY*
Save more with rates up to 3.50% APY and still have flexible access to your money.
$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.
$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.
$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.
up to
$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.
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.
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.
Qualifications Required: Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements.; APY with Bonus Rate: 3.50%
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.
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.
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.
Qualifications Required: Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements.; APY with Bonus Rate: 3.25%
$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.
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.
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.
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Special rate.
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 +
Compare local Holland, 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Holland, 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.
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Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Holland, 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 Holland, 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.