Best Money Market Rates in Royal Oak, Michigan - June 2026
Brian McKay
Brian McKay
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Current Royal Oak, Michigan and the surrounding area money market deposit account rates include EastRise Credit UnionEastRise Credit Union916 S Main St Ste 200, Royal Oak, MI 48067 3239A+5.0 ★Texas Ratio: 4.41% Essential Money Market at 4.50% APY, Community Choice Credit UnionCommunity Choice Credit Union1740 Crooks Rd, Royal Oak, MI 48067A5.0 ★Texas Ratio: 6.60% Business Money Market at 4.10% APY, Citizens BankCitizens Bank200 S Main St, Royal Oak, MI 48067A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, The Huntington National BankThe Huntington National Bank800 S Main St, Royal Oak, MI 48067A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.20% APY, and Genisys Credit UnionGenisys Credit Union530 N Main St, Royal Oak, MI 48067 1815A+5.0 ★Texas Ratio: 4.68% Jumbo Money Market at 3.04% APY. Money market rates as of June 3, 2026 according to verified data from MonitorBankRates.
Royal Oak has 9 local institutions in our database, with money market rates as high as 4.50% APY from EastRise Credit Union at 916 S Main St Ste 200, Royal Oak, MI 48067 3239. 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 Royal Oak, Michigan and surrounding area. Last Updated and Verified: June 3, 2026
Compare the Best Money Market Rates Today in Royal Oak, Michigan & the Surrounding Area
Qualifying balance up to $2,499.99
Preferred rates. Standard rates: 0.15% APY.
Preferred rates. Standard rates: 0.03% APY.
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. 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. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% APY. 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.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
minimum balance of $100 required to earn dividends. First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market. Member needs to meet minimum requirements to qualify.
Balances $100,000 or more
Balances up to $99,999.99
Balances up to $49,999.99
Balances up to $24,999.99
$2,500 Minimum Average Daily Balance Required to Earn APY.
Standard rates.
Standard rates.
Standard rates.
New money only. Must have an active WesBanco checking account. Variable rate subject to change.
Open a Money Market Account and earn up to 3.65% APY*.
APY (Annual Percentage Yield) effective 3/5/2026 for a limited time. Rates may vary by zip code.
With a minimum of $25k new money
Tier 5: $1,000,000.00 +
$1,000,000.00 +
Tier 4: $500,000.00 -$999,999.99
$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.
Royal Oak, MI Money Market Rate Trends
Compare local Royal Oak, 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 0.014 points over the past 7 days to 3.319% APY.
Michigan standard MMA rates rose 0.006 points over the past 7 days to 0.829% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Royal Oak, 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 Royal Oak, 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 Royal Oak, 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 Royal Oak, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Royal Oak, Michigan safe?
How often do MMA rates change in Royal Oak, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Royal Oak, Michigan?
Best Money Market Rates in Royal Oak, Michigan
- EastRise Credit Union
Essential Money Market — 4.50% APY - Community Choice Credit Union
Business Money Market — 4.10% APY - Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY - Genisys Credit Union
Jumbo Money Market — 3.04% APY
