Best Money Market Rates in Troy, Michigan - July 2026
Brian McKay
Brian McKay
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Current Troy, Michigan and the surrounding area money market deposit account rates include Community Choice Credit UnionCommunity Choice Credit Union30 E Long Lake Rd, Troy, MI 48085 4712A5.0 ★Texas Ratio: 6.60% Business Money Market at 4.10% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union734 W Long Lake Rd, Troy, MI 48098A+5.0 ★Texas Ratio: 2.33% Business Max Money Market at 3.90% APY, The Huntington National BankThe Huntington National Bank791 W Big Beaver Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN2555 Crooks Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 2.79% Money Market Account at 3.65% APY, and Citizens BankCitizens Bank125 Stephenson Hwy, Troy, MI 48083A5.0 ★Texas Ratio: 8.28% Citizens Private Client Money Market at 3.50% APY. Money market rates as of July 25, 2026 according to verified data from MonitorBankRates.
Troy has 12 local institutions in our database, with money market rates as high as 4.10% APY from Community Choice Credit Union at 30 E Long Lake Rd, Troy, MI 48085 4712. 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 Troy, Michigan and surrounding area. Last Updated and Verified: July 25, 2026
Compare the Best Money Market Rates Today in Troy, 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.
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.
$1,000,000.00 +
Tier 5: $1,000,000.00 +
$500,000.00 -$999,999.99
Tier 4: $500,000.00 -$999,999.99
Member needs to meet minimum requirements to qualify.
up to
Tier 3: $100,000.00 -$499,999.99
$100,000.00 -$499,999.99
$10,000.00 - $99,999.99
Tier 2: $10,000.00 - $99,999.99
First $100 earns rate equal to $2500 - $9,999.99 tier paid for High Yield Money Market.
Dividend Credited: Monthly
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.
Standard rates; Must have a Citizens Private Client® Checking account.
Tier 1: $0.01 - $9,999.99
$0.01 - $9,999.99
Standard rates; Requires a Citizens Quest® Checking account.
Standard rates; Monthly maintenance fees $0 or $10; Keep a minimum daily balance of at least $2,500 to waive the fee.
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Special rate.
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.
Troy, MI Money Market Rate Trends
Compare local Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Troy, Michigan safe?
How often do MMA rates change in Troy, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Troy, Michigan?
Best Money Market Rates in Troy, Michigan
- Community Choice Credit Union
Business Money Market — 4.10% APY - LMCU Lake Michigan Credit Union
Business Max Money Market — 3.90% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY - Horizon Bank Michigan City, IN
Money Market Account — 3.65% APY - Citizens Bank
Citizens Private Client Money Market — 3.50% APY
