Best Money Market Rates in Cincinnati, Ohio - June 2026
Brian McKay
Brian McKay
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Current Cincinnati, Ohio and the surrounding area money market deposit account rates include WesBanco BankWesBanco Bank4811 Cooper Rd, Cincinnati, OH 45242A+5.0 ★Texas Ratio: 1.63% Money Market special at 3.75% APY, TruistTruist3701 Montomgery Road, Cincinnati, OH 45207A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.25% APY, The Huntington National BankThe Huntington National Bank4018 Harrison Ave, Cincinnati, OH 45211A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.20% APY, Kemba Credit UnionKemba Credit Union211 Northland Blvd, Cincinnati, OH 45246A5.0 ★Texas Ratio: 5.93% Money Market Account at 3.00% APY, and Childrens Medical Center Federal Credit UnionChildrens Medical Center Federal Credit Union3333 Burnet Ave, Cincinnati, OH 45229 3026A+5.0 ★Texas Ratio: 0.57% Money Market Accounts at 3.00% APY. Money market rates as of June 16, 2026 according to verified data from MonitorBankRates.
Cincinnati has 12 local institutions in our database, with money market rates as high as 3.75% APY from WesBanco Bank at 4811 Cooper Rd, Cincinnati, OH 45242. Use the table below to compare all available offers, including options from institutions serving the broader Ohio area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Cincinnati, Ohio and surrounding area. Last Updated and Verified: June 16, 2026
Compare the Best Money Market Rates Today in Cincinnati, Ohio & the Surrounding Area
Earn up to 3.75% APY**
Eligible clients can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account. Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest earned is based on the following ledger balance tiers: Tier 1 - $0.01 to $4,999.99; Tier 2 - $5,000 to $99,999.99; Tier 3 - $100,000 to $499,999.99; Tier 4 - $500,000 to $999,999.99; Tier 5 - $1,000,000 to $4,999,999.99; Tier 6 - $5,000,000 or greater. Tiers 1-6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.
Variable rate based on zip code. Minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99.
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Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
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Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
Balances under $50,000 - 0.35%; Balances $50,000 to $100,000 - 0.35%; Balances $100,000 to 250,000 - 3.14%; Balances $250,000 - $500,000 - 3.30%; Balance $500,000 or more - 3.56%
Limit of 3 Withdrawals or transfers per month; Minimum withdrawal or transfer amount of $200.00
Balances under $25,000 - 0.05%; Balances $25,000 to $99,999 - 0.20%; Balances of $100,000 or more - 0.40%
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Limited-time offer. APY is for the first six months.
New money only - offer only valid for funds not currently on deposit with WesBanco Bank. New funds deposited to a WesBanco deposit account within 30 days of opening the money market may qualify as new money. Must have an active WesBanco checking account. The interest rate is a variable rate and is subject to change without notice after the account is opened. Fees could reduce earnings. Offer is subject to change without notice.
high-rate money Market Savings.
APY (Annual Percentage Yield) effective 3/5/2026 for a limited time. Rates may vary by zip code.
New money only
$15,000+
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.15% APY.
Preferred rates require a minimum of $25,000 of new money. Standard rates: 0.03% APY.
Rates up to 3.50% APY.
New money only
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Money Market Tier Balances: $100,000 +
Dividends paid last day of month
Money Market rates are variable and set by the Board of Directors on a monthly basis. A $25 monthly maintenance fee will incur for balances falling below $100,000.
Daily Balances of $2,000,000 and up.
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Daily Balances of $1,000,000 - $1,999,999.99.
New deposit required to open this account.
TRS | RA | VRA
Balance $500,000 - $2,499,999
Balance tier: $500,000 - $2,499,999
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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.
Cincinnati, OH Money Market Rate Trends
Compare local Cincinnati, OH 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.
Ohio high-yield MMA rates fell 0.003 points over the past 7 days to 3.352% APY.
Ohio standard MMA rates fell 0.009 points over the past 7 days to 0.622% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cincinnati, Ohio 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 Cincinnati, Ohio 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 Cincinnati, Ohio. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in OH.
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 Cincinnati, Ohio
What is a Money Market Account (MMA)?
Are Money Market accounts in Cincinnati, Ohio safe?
How often do MMA rates change in Cincinnati, Ohio?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Cincinnati, Ohio?
Best Money Market Rates in Cincinnati, Ohio
- WesBanco Bank
Money Market special — 3.75% APY - Truist
Small Business Money Market Account — 3.25% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY - Kemba Credit Union
Money Market Account — 3.00% APY - Childrens Medical Center Federal Credit Union
Money Market Accounts — 3.00% APY
