New Richmond, Ohio Money Market Rates - October 2026
Brian McKay
Brian McKay
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New Richmond, Ohio money market account rates from banks and credit unions serving Ohio range from 2.53% to 4.25% APY, verified by MonitorBankRates as of October 19, 2026. Current New Richmond, Ohio and the surrounding area money market deposit account rates include Seven Seventeen Credit UnionSeven Seventeen Credit UnionA5.0 ★Texas Ratio: 7.64%Real return: +1.45%APY minus 2.8% CPI (February 2026) Business Money Market at 4.25% APY, First Bank of Central OhioFirst Bank of Central OhioA+5.0 ★Texas Ratio: 0.37%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Platinum Money Market at 4.00% APY, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY, Everence Federal Credit UnionEverence Federal Credit UnionA+5.0 ★Texas Ratio: 4.82%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market at 4.00% APY, and Commodore Perry Federal Credit UnionCommodore Perry Federal Credit UnionA5.0 ★Texas Ratio: 11.28%Real return: +1.20%APY minus 2.8% CPI (February 2026) Flagship Money Market Account at 4.00% APY. Money market rates as of October 19, 2026 according to verified data from MonitorBankRates.
New Richmond is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Ohio area are available to New Richmond residents, with money market rates as high as 4.25% APY from Seven Seventeen Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in New Richmond, Ohio and surrounding area. Last Updated and Verified: October 19, 2026
Compare the Best Money Market Rates Today in New Richmond, Ohio & the Surrounding Area
Balance: $200,000.00 and over; Variable rates (based on Daily Balance); Minimum Balance to earn the APY is $.01
Balance: $2,000,000; Compounding: Monthly
Balance: $0 - $100,000.00; Special rate for new Money Market Special accounts opened on or after 10/1/2026, applies for first 6 months, then converts to standard Elevate Money Market; Members with a money market account at United in the last 12 months not eligible
Balance: $50 to $2,500
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $250,000.00 and above; Effective 9/1/2026
Balance: $100,000.00 - $199,999.99; Variable rates (based on Daily Balance); Minimum Balance to earn the APY is $.01
Balance: $500,000.00 or greater; Effective Date: March 2, 2026
Balance: $150,000 and over
Annualized Earnings: $1,880.00 (Deposit Amount column); Available via Raisin platform; New customer offer: earn up to $1,000 with code STACK
Balance: $25,000-$99,999.99
Balance: $25,000-$99,999.99
Balance: $25,000 and above; $5,000 minimum balance to open Preferred Money Market DDA
Balance: $1,000,000+; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $50,000.00 - $99,999.99; Variable rates (based on Daily Balance); Minimum Balance to earn the APY is $.01
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $1,000,000+
Balance: $500,000.00 and over; Compound Frequency: Monthly
Balance: $500,000 or more
Balance: $500,000 or more; Account minimum balance column: $25,000
Balance: $100,000 - $149,999.99
Balance: $25,000 and above; Relationship Bonus APY; Relationship Bonus Rates; Personal APY; Personal Rates; Compounding Frequency: Monthly
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: 1,000,000.00 & over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained
Balance: $100,000 - $249,999.99; Tier 2; In-Branch Only; Annual Percentage Yield effective 08/13/2026, compounding monthly
Balance: $10,000 and above; $5,000 minimum balance to open Preferred Money Market DDA
Balance: $500,000 - $1,000,000; Tiered rate, variable; minimum $2,500.00 new money to open
Minimum Amount: $250,000; Bonus rate requires Tax Reported Owner of Ultra or Free Checking with average monthly balance of at least $1.00, 20 combined signature/non-PIN debit and U credit card transactions, one direct deposit or ACH from checking, and e-statements enrollment; Effective Date: October 01, 2026
- Oct 12, 20263.50%▲ from 1.00%
- Sep 12, 20261.00%first recorded
Balance: $25,000.00 - $49,999.99; Variable rates (based on Daily Balance); Minimum Balance to earn the APY is $.01
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $250,000 & above
Balance: $250,000 - $500,000; Account minimum balance column: $25,000
Balance: $250,000+; Minimum Balance: $10,000; Compounding: Monthly
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $250,000 - $500,000
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $50,000 - $99,999.99
Balance: $0 - $99,999.99; Tier 1; In-Branch Only; Annual Percentage Yield effective 08/13/2026, compounding monthly
Minimum Amount: $100,000; Bonus rate requires Tax Reported Owner of Ultra or Free Checking with average monthly balance of at least $1.00, 20 combined signature/non-PIN debit and U credit card transactions, one direct deposit or ACH from checking, and e-statements enrollment; Effective Date: October 01, 2026
- Oct 12, 20263.25%▲ from 0.75%
- Sep 12, 20260.75%first recorded
Balance: $10,000.00 - $24,999.99; Variable rates (based on Daily Balance); Minimum Balance to earn the APY is $.01
Balance: $500,000+; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $100,000 to 250,000; Account minimum balance column: $25,000
Balance: $75,000.00 and over; $5.00 excessive withdrawal fee if more than 6 withdrawals in one month
Balance: $200,000 - Over; New money or GF Checking required; No Business Accounts
Balance: $50,000-$99,999.99; Minimum Balance: $1,000; Compounding: Monthly
Balance: $50,000-$99,999.99; Minimum Balance: $10,000; Compounding: Monthly
Balance: $100,000 to $250,000
The interest rate may change at any time. $7.50 monthly service charge. No monthly service charge if minimum daily balance of $25,000 is maintained. Free eStatements. $7.50 paper statement. Free debit card. Free mobile deposit.
Balance: $2,500 minimum tier
Balance: $10,000 minimum tier
Balance: $25,000 minimum tier
Balance: $50,000 minimum tier
Balance: $100,000 minimum tier
Balance: $250,000 and over; Dividends forfeited if closed early; dividends paid last day of month
Balance: $2500 - $49,999.99
Balance: $100,000 and higher; Dividends compound & paid monthly
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $250,000 to $999,999.99
Balance: $25,000 & Over
Monthly service fee waived for the first month. $50 monthly fee if balance falls below $25,000 after the first month. ATM fee reimbursements.
Balance: $2,500,000+
Balance: $100,000 +; Minimum Balance To Earn Interest: $5,000; Minimum Balance To Avoid Fee: $1,000; Compounding Frequency: Daily
Balance: $250,000 - $500,000; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $5,000,000 and over
Minimum Balance: $125000
Minimum Amount: $1,000; Bonus rate requires Tax Reported Owner of Ultra or Free Checking with average monthly balance of at least $1.00, 20 combined signature/non-PIN debit and U credit card transactions, one direct deposit or ACH from checking, and e-statements enrollment; Effective Date: October 01, 2026
- Oct 12, 20263.00%▲ from 0.50%
- Sep 12, 20260.50%first recorded
Balance: Accounts over $50,000; APR: 3.00%
Balance: Minimum $250,000; Footnote (1)
Balance: $250,000 and up
Rates effective February 1, 2026
- Oct 14, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $100,000 +; Average Daily Balance Required for Dividend: $1,000
- Oct 6, 20263.00%▼ from 3.05%
- Oct 1, 20263.05%first recorded
Balance: $50,000.00 and over
Balance: $250,000 - $499,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $1,000,000.00 and over; Monthly Fee: $7.00; Active checking account required to earn rates below
Balance: $100,000.00 - $249,999.99
Balance: $1,000,000-$2,499,999
Balance: $10,000 & up; Dividend Period: Monthly
- Sep 21, 20262.83%▲ from 2.22%
- Sep 14, 20262.22%first recorded
Balance: 500,000.00 to 999,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained
Balance: $20,000.00 - $74,999.99; $5.00 excessive withdrawal fee if more than 6 withdrawals in one month
Balance: $500,000.00 - $999,999.99
Balance: $150001.01 and over
Balance: $500,000 - and over
Balance: $2,000,000 and up
Balance: $250,000.00-$499,999.99; Compound Frequency: Monthly
Balance: $75,000 & >
Balance: $100,000 to $249,999.99
Balance: $500,000-$999,999
Balance: $100,000+
Balance: $20,000-$49,999; APR: 2.75%
Balance: Minimum $100,000; Footnote (1)
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Balance: $25,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Money Market Account; variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above currently earn 0.25% APY; Balances below $25,000.00 do not earn interest and may be subject to a $25.00 monthly maintenance fee
Balance: $100,000 and above
- Oct 7, 20262.65%▲ from 2.50%
- Sep 7, 20262.50%first recorded
Balance: $100,000 - $199,999; New money or GF Checking required; No Business Accounts
Balance: $0-$2,499.99; Minimum Balance: $1,000; Compounding: Monthly
Balance: $0-$49,999.99; Minimum Balance: $10,000; Compounding: Monthly
Balance: $500,001.00 - 1,000,000.00; Minimum balance to earn APY is $0.01; eStatement enrollment required for promotional APY
Balance: $500,000.00 and Over
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.
New Richmond, OH Money Market Rate Trends
Compare local New Richmond, 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 rose 0.006 points over the past 7 days to 3.121% APY.
Ohio standard MMA rates fell 0.006 points over the past 7 days to 0.549% APY.
New Richmond, Ohio Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current OH high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current OH high-yield money market average of 3.121% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in New Richmond, Ohio.
Money Market Account Earnings in New Richmond, Ohio
Annual interest earnings at current OH average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.121% APY) | Monthly Earnings | Standard MMA (0.549% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $312.08 / year | $26.01 | $54.86 / year | $4.57 |
| $25,000 | $780.20 / year | $65.02 | $137.15 / year | $11.43 |
| $50,000 | $1,560.40 / year | $130.03 | $274.30 / year | $22.86 |
| $100,000 | $3,120.80 / year | $260.07 | $548.60 / year | $45.72 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: New Richmond, Ohio money market rate averages as of October 19, 2026. | ||||
Available in New Richmond, Ohio Area
About Our New Richmond, Ohio Money Market Rate Database
MonitorBankRates tracks money market rate offers from 69 banks and credit unions available to New Richmond, Ohio residents via statewide and national offers. No branch locations physically in New Richmond are currently in our database, but all listed offers are open to New Richmond depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Seven Seventeen Credit Union offers a money market account at 4.25% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in New Richmond, Ohio.
How to Find the Best Money Market Rates in New Richmond, Ohio
What to compare when shopping for a money market account in New Richmond, Ohio
To find the best money market APYs in New Richmond, Ohio, start with credit unions and online-only banks: New Richmond, Ohio has 43 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current OH high-yield money market average is 3.121% but top local institutions are offering as high as 4.25%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. New Richmond, Ohio high-yield money market rates currently average 3.121% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at New Richmond, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 69 institutions in New Richmond, Ohio report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return New Richmond, Ohio CD rates
- You don’t need check writing and want a lower minimum New Richmond, Ohio savings rates
- You need daily transaction access New Richmond, Ohio checking rates
New Richmond, Ohio Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
17.5% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 2.9% reflects a strong local economy with solid savings capacity. At today’s OH high-yield money market average of 3.121%, saving 10% of the local median salary ($3,209/year) would earn an additional $100 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other New Richmond, Ohio Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in New Richmond, Ohio.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 3.121% | View Savings Rates | 0.549%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects New Richmond, Ohio averages tracked in our database as of October 19, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
New Richmond, Ohio Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current New Richmond, Ohio rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for New Richmond, Ohio
At OH’s top money market rate of 4.25% from Seven Seventeen Credit Union, a $10,000 deposit earns $425 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median New Richmond, Ohio earner is roughly $8,000. At 3.121% APY in a money market account, saving $670/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountOhio’s high-yield money market average is 3.121% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median New Richmond, Ohio earner makes $32,098/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.121% APY.
Retirement PlannerA $25,000 money market balance earning 3.121% APY grows to roughly $46,224 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Richmond, 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 New Richmond, 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 New Richmond, 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 New Richmond, Ohio
What is a Money Market Account (MMA)?
Are Money Market accounts in New Richmond, Ohio safe?
How often do MMA rates change in New Richmond, Ohio?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in New Richmond, Ohio?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in New Richmond, Ohio for money market accounts?
Best Money Market Rates in New Richmond, Ohio
- Seven Seventeen Credit Union
Business Money Market: 4.25% APY - First Bank of Central Ohio
Business Platinum Money Market: 4.00% APY - United Federal Credit Union
Money Market Special: 4.00% APY - Everence Federal Credit Union
Indexed money market: 4.00% APY - Commodore Perry Federal Credit Union
Flagship Money Market Account: 4.00% APY
New Richmond, Ohio Rates & Resources
