Toronto, Ohio Money Market Rates for October 2026
Brian McKay
Brian McKay
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Toronto, Ohio money market account rates range from 0.01% to 4.25% APY, verified by MonitorBankRates as of October 31, 2026. Current Toronto, Ohio and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank301 S 4th St, Toronto, OH 43964A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Relationship Money Market Account - With Huntington Perks Checking at 3.85% APY, Main Street BankMain Street Bank120 N 4th St, Toronto, OH 43964A+5.0 ★Texas Ratio: 5.62%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 27, 2026 Maximize Money Market at 3.75% APY, US BankUS Bank217 N 3rd St, Toronto, OH 43964A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Elite Money Market Account at 3.40% APY, GreenWay BankGreenWay BankA+5.0 ★Texas Ratio: 2.79%Real return: +0.55%APY minus 3.7% CPIRate verified Oct 28, 2026 Money Market Special at 4.25% APY, and First Bank of Central OhioFirst Bank of Central OhioA+5.0 ★Texas Ratio: 0.37%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 27, 2026 Platinum Money Market at 4.00% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Toronto has 3 local institutions in our database, with money market rates as high as 3.85% APY from The Huntington National Bank at 301 S 4th St, Toronto, OH 43964. Use the table below to compare all available offers, including options from institutions serving the broader Ohio area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Toronto, Ohio and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Toronto, Ohio & the Surrounding Area
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; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
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; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $25,000-$99,999.99
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $25,000.00 - $2,000,000.99; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate, subject to change; minimum $25,000 new money not currently deposited at Huntington; Relationship Money Market Account; $25 monthly fee if balance below $25,000 and no Perks Checking or Platinum Perks Checking
Balance: $0.00-$24,999.99
Balance: $2,000,001.00 and over; earns 0.25% APY
Balance: $2,000,001.00 to $99,999,999,999.99; Non-Relationship Rate; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20260.25%▲ from 0.05%
- Sep 27, 20260.05%▼ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $250,000+
Balance: $100,000 - $249,999.99
Balance: $50,000 - $99,999.99
Balance: $0 - $49,999.99
- Oct 22, 20260.15%▲ from 0.05%
- Sep 28, 20260.05%first recorded
Balance: $25,000+
Balance: $25,000.00 to $99,999.99; Standard Pricing; Zip-based rate (43215)
- Sep 27, 20260.05%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $0 - $999.99
Balance: $0 to $9,999.99; Standard interest rate tier
Balance: $0.01 to $24,999.99; Requires open Huntington Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $0.01 to $24,999.99; Requires open Huntington Platinum Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
$5,000 minimum deposit using funds not currently on deposit at GreenWay Bank; special fixed rate paid during first 6 months, then changes to the rate paid on existing Money Markets; rate drops to standard Money Market Tier 2 if balance falls below $5,000
Balance: $2,000,000; Compounding: Monthly; Variable rate account
Balance: $0 - $100,000.00; Effective Date: October 01, 2026; Special rate of up to 4.00% APY 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 any money market account at United in the last 12 months are not eligible
Balance: $50 to $2,500; Open with $25, $50 minimum balance to earn APY, keep $2,500 to avoid minimum balance fee
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $250,000.00 minimum
Balance: $500,000.00 or greater
Balance: $150,000 and over
Offered via Raisin platform; APY as of October 30, 2026
Balance: $25,000 and above
Balance: $25,000 and over; Tier 3
Balance: $1,000,000+; Tiered APY; Deposits over $1,000,000 subject to review
Balance: $100,000 & 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; Minimum balance: $25,000
Balance: $500,000 or more; Minimum Balance column: $25,000; Open Account: not listed
Balance: $500,000 or more; Product minimum balance: $25,000
Balance: $100,000 - $149,999.99
Relationship bonus APY; Balance: $25,000 and above; Compounding: Monthly
Preferred rates; Must have a Citizens Private Client Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Private Client Checking; Rhode Island rates
Preferred rates; Must have a Citizens Quest Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Quest Checking; Rhode Island rates
- Oct 31, 20263.50%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: 1,000,000.00 & over; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained
Balance: 1,000,000 & Over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $10,000 and above
Balance: $500,001 - $1,000,000; Tiered APY as of April 26, 2026; Tier rate paid on entire balance; Dormant account fee after 6 months inactivity if balance under $10,000.00
Balance: $500,000 - $1,000,000; Tiered APY; Deposits over $1,000,000 subject to review
Qualifications Required; Minimum Amount: $250,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $250,000 & above
Rates may change after account opening; if balance falls below $20,000, Tier 2 savings rate applies until balance is at least $20,000
Balance: $250,000 - $500,000; Minimum Balance column: $25,000; Open Account: not listed
Balance: $250,000+; Compounding: Monthly; Variable rate account
Balance: $250,000 - $500,000; Minimum balance: $25,000
Balance: $250,000 - $500,000; Product minimum balance: $25,000
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; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $500,000.00 & Over
Balance: $500,000.00 & Over
Qualifications Required; Minimum Amount: $100,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Balance: $500,000 & Greater; Excludes public funds; Compounding/Crediting Daily/Monthly
Balance: $100,000 to 250,000; Minimum Balance column: $25,000; Open Account: not listed
Balance: $75,000.00 and over; Rates as of 08/01/2026
Balance: $200,000 - Over; $25,000.00 Min - $250,000 Max Initial Deposit and GF Checking or New Money Required; No Business Accounts; A penalty will be imposed for not maintaining minimum balance
Balance: $50,000-$99,999.99; Compounding: Monthly; Variable rate account
Balance: $2,500 minimum
Balance: $10,000 minimum
Balance: $25,000 minimum
Balance: $50,000 minimum
Balance: $100,000 minimum
Tier V; Balance: $250,000 and over; Dividends paid last day of month; Dividends forfeited if closed early
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; Effective Date: Monday, October 19th, 2026
Balance: $25,000 & Over
Balance: $5,000,000 and over; Tiered dividend rate; $25 monthly maintenance fee for balances below $100,000; Variable rate account
Balance: $125000 tier
Qualifications Required; Minimum Amount: $1,000; Effective Date: October 01, 2026; Bonus rate APY with all requirements met (Tax Reported Owner of Ultra Checking or Free Checking with average monthly balance of at least $1.00; 20 combined cleared signature/non-PIN card transactions; one direct deposit or ACH from checking; active e-statements enrollment); Consumer money market accounts only
Balance: Accounts over $50,000
Balance: Minimum $250,000
Balance: $250,000 and up
Balance: $100,000 and over; Minimum Balance to open a Money Market: $2,000
- Oct 14, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $100,000 +; Average Daily Balance Required for Dividend: $1,000
Balance: $50,000.00 and over
Balance: $1,000,000.00 and over; Monthly fee: $7.00; Active checking account required to earn rates; If conditions not met, earns Regular Savings rate
Balance: $10,000 & up; Dividend Period: Monthly
- Sep 21, 20262.83%▲ from 2.22%
- Sep 14, 20262.22%first recorded
Balance: $20,000.00 - $74,999.99; Rates as of 08/01/2026
Balance: $500,000.00 - $999,999.99
Savings Rates effective Friday, May 1, 2026; Balance tier starts at $150001.01
Balance: $500,000 - and over
Balance: $75,000 and over
Balance: $100,000 to $249,999.99; Effective Date: Monday, October 19th, 2026
Balance: $20,000-$49,999
Balance: Minimum $100,000
Balance: $150,000 - $249,999
Balance: $100.00 - $2,499.99
- Oct 19, 20262.75%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $100.00 to $2,499.99
- Oct 19, 20262.75%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Tier 5; Balance: $100,000.00 and over; rates effective July 16, 2026
Balance: $50,000 - $99,999.99; Minimum Balance to open a Money Market: $2,000
- Oct 14, 20262.75%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Balance: $350,000+
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.
Toronto, OH Money Market Rate Trends
Compare local Toronto, 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 0.017 points over the past 7 days to 3.135% APY.
Ohio standard MMA rates fell 0.014 points over the past 7 days to 0.555% APY.
Toronto, 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 3.135% 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 Toronto, Ohio.
Money Market Account Earnings in Toronto, 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 (3.135% APY) | Monthly Earnings | Standard MMA (0.555% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $313.54 / year | $26.13 | $55.51 / year | $4.63 |
| $25,000 | $783.85 / year | $65.32 | $138.78 / year | $11.57 |
| $50,000 | $1,567.70 / year | $130.64 | $277.55 / year | $23.13 |
| $100,000 | $3,135.40 / year | $261.28 | $555.10 / year | $46.26 |
| 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: Toronto, Ohio money market rate averages as of October 31, 2026. | ||||
About Our Toronto, Ohio Money Market Rate Database
MonitorBankRates found 3 institutions with branches in Toronto, plus 66 additional state-chartered and national online institutions available to Toronto residents. 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: The Huntington National Bank offers a money market account at 3.85% APY. Use the rate table above to compare all current offers in Toronto, Ohio.
How to Find the Best Money Market Rates in Toronto, Ohio
What to compare when shopping for a money market account in Toronto, Ohio
To find the best money market APYs in Toronto, Ohio, start with credit unions and online-only banks: Toronto, Ohio has 36 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 3.135% but top local institutions are offering as high as 3.85%, 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. Toronto, Ohio high-yield money market rates currently average 3.135% 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 Toronto, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 69 institutions in Toronto, Ohio report money market rates to our database.
- You’re among Toronto, Ohio’s 25.0% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Toronto, Ohio CD rates
- You don’t need check writing and want a lower minimum Toronto, Ohio savings rates
- You need daily transaction access Toronto, Ohio checking rates
Toronto, Ohio Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
25.0% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; 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 3.135%, saving 10% of the local median salary ($3,504/year) would earn an additional $110 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Toronto, Ohio Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Toronto, Ohio.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 3.135% | View Savings Rates | 0.555%(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 Toronto, Ohio averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Toronto, 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 Toronto, 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 Toronto, Ohio
At OH’s top money market rate of 3.85% from The Huntington National Bank, a $10,000 deposit earns $385 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Toronto, Ohio earner is roughly $8,800. At 3.135% APY in a money market account, saving $730/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 3.135% 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 Toronto, Ohio earner makes $35,041/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.135% APY.
Retirement PlannerA $25,000 money market balance earning 3.135% APY grows to roughly $46,355 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 Toronto, 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 Toronto, 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 Toronto, 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 Toronto, Ohio
What are money market account rates in Toronto, Ohio today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Toronto, Ohio safe?
How often do MMA rates change in Toronto, Ohio?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Toronto, 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 Toronto, Ohio for money market accounts?
Best Money Market Rates in Toronto, Ohio
- The Huntington National Bank
Relationship Money Market Account - With Huntington Perks Checking: 3.85% APY - Main Street Bank
Maximize Money Market: 3.75% APY - US Bank
Elite Money Market Account: 3.40% APY - GreenWay Bank
Money Market Special: 4.25% APY - First Bank of Central Ohio
Platinum Money Market: 4.00% APY
Toronto, Ohio Rates & Resources
