Best Money Market Rates in Cleveland, Ohio - July 2026
Brian McKay
Brian McKay
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Current Cleveland, Ohio and the surrounding area money market deposit account rates include Citizens BankCitizens Bank4106 Pearl Rd, Cleveland, OH 44109A5.0 ★Texas Ratio: 8.28% Citizens Private Client® Money Market at 3.50% APY, The Huntington National BankThe Huntington National Bank905 Euclid Ave, Cleveland, OH 44115A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.20% APY, PSE Credit Union IncPSE Credit Union Inc1800 Carnegie Ave, Cleveland, OH 44115 2312A+5.0 ★Texas Ratio: 4.15% Money Market Accounts at 1.70% APY, USB Union Savings BankUSB Union Savings Bank6400 Rockside Road, Cleveland, OH 44131A+5.0 ★Texas Ratio: 1.66% Personal Money Market Account at 1.51% APY, and Century Federal Credit UnionCentury Federal Credit Union21000 Brookpark Rd, Cleveland, OH 44135 3127A+5.0 ★Texas Ratio: 4.06% Money Market Innovator at 0.75% APY. Money market rates as of July 6, 2026 according to verified data from MonitorBankRates.
Cleveland has 9 local institutions in our database, with money market rates as high as 3.50% APY from Citizens Bank at 4106 Pearl Rd, Cleveland, OH 44109. 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 Cleveland, Ohio and surrounding area. Last Updated and Verified: July 6, 2026
Compare the Best Money Market Rates Today in Cleveland, Ohio & the Surrounding Area
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.
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.
Annual Percentage Yield
Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
Variable rate; Monthly compounding; Monthly interest credited; $5,000 minimum to open
Standard rates. Must have a Citizens Private Client® Checking account.
Tiered rate: 0.25% on $25,000 - $Max
Standard rates. Must have a Citizens Quest® Checking account.
Minimum daily balance of $2,500 to waive the $10 monthly maintenance fee.
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.
Special rate
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.
Balance $500,000 or more. 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%
New money only
New money only
$15,000+
Balances $250,000 - $500,000. Balances under $50,000 - 0.35%; Balances $50,000 to $100,000 - 0.35%; Balances $100,000 to 250,000 - 3.14%; Balance $500,000 or more - 3.56%
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.
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Balances $100,000 to 250,000. Balances under $50,000 - 0.35%; Balances $50,000 to $100,000 - 0.35%; Balances $250,000 - $500,000 - 3.30%; Balance $500,000 or more - 3.56%
Dividends paid last day of month
(1)
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
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.
Cleveland, OH Money Market Rate Trends
Compare local Cleveland, 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 currently average 3.357% APY.
Ohio standard MMA rates rose 0.020 points over the past 7 days to 0.647% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cleveland, 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 Cleveland, 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 Cleveland, 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 Cleveland, Ohio
What is a Money Market Account (MMA)?
Are Money Market accounts in Cleveland, Ohio safe?
How often do MMA rates change in Cleveland, Ohio?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Cleveland, Ohio?
Best Money Market Rates in Cleveland, Ohio
- Citizens Bank
Citizens Private Client® Money Market — 3.50% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY - PSE Credit Union Inc
Money Market Accounts — 1.70% APY - USB Union Savings Bank
Personal Money Market Account — 1.51% APY - Century Federal Credit Union
Money Market Innovator — 0.75% APY
