West Leipsic, Ohio Money Market Rates - October 2026
Brian McKay
Brian McKay
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West Leipsic, Ohio money market account rates from banks and credit unions serving Ohio range from 2.50% to 4.25% APY, verified by MonitorBankRates as of October 12, 2026. Current West Leipsic, 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 12, 2026 according to verified data from MonitorBankRates.
West Leipsic is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Ohio area are available to West Leipsic 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 West Leipsic, Ohio and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in West Leipsic, Ohio & the Surrounding Area
Balance: $200,000.00 +
Balance to Earn Interest: $2,000,000; Frequency of Compounding: Monthly
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Balance: $50 to $2,500; Open with $25; minimum balance of $50 to earn the APY
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $250,000.00
Balance: $100,000.00 - $199,999.99
Balance: $500,000.00 or greater
Balance: $150,000 +
Save now
Balance: $25,000-$99,999.99
Balance: $25,000-$99,999.99
Balance: $25,000 and above
Balance: $50,000.00 - $99,999.99
Balance: $1,000,000+
Balance: $100,000 to $499,999.99
Balance: Tier 5: $500,000.00
Balance: $100,000 - $149,999.99
Balance: $25,000 and above; Relationship Bonus APY; Relationship Bonus Rates; Personal APY; Personal Rates; Compounding Frequency: Monthly
Preferred rates; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
Balance: 1,000,000.00 & over; Compounding Frequency: Monthly
Balance: $100,000 - $249,999.99
Balance: $10,000 and above
Balance: $1,000,000+. The interest rate listed in each tier will be paid on the entire balance in your account. Rates are variable and based on your specific account tier and savings goals. Annual Percentage Yields (APYs) are accurate as of April 26, 2026.
Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.50%▲ from 1.00%
- Sep 12, 20261.00%first recorded
Balance: $25,000.00 - $49,999.99
Balance: $200,000.00 or greater
New money only; APY is variable and subject to change at the Credit Union's discretion after account opening.
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $20,000.00 to $34,999.99
Balance: $25,000 - $49,999.99
Balance: $250,000 & above
Balance to Earn Interest: $250,000+; Frequency of Compounding: Monthly
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
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
Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.25%▲ from 0.75%
- Sep 12, 20260.75%first recorded
Balance: $10,000.00 - $24,999.99
Balance: $100,000.00 - $199,999.99
Balance: $500,000+; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $75,000.00+
Balance: $200,000 - Over
Balance to Earn Interest: $50,000-$99,999.99; Frequency of Compounding: Monthly
Balance to Earn Interest: $50,000-$99,999.99; Frequency of Compounding: Monthly
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 - $9,999.99
Balance: $10,000 - $24,999.99
Balance: $25,000 - $49,999.99
Balance: $50,000 - $99,999.99
Balance: $100,000 and over
Balance: $250,000 & OVER
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: $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
Balance: $75,000 - $249,999; Rates accurate as of October 6, 2026
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 +
Balance: $500,001-$1,000,000. The interest rate listed in each tier will be paid on the entire balance in your account. Rates are variable and based on your specific account tier and savings goals. Annual Percentage Yields (APYs) are accurate as of April 26, 2026.
Balance:; Dividend Rate. The fixed or variable rate paid.; APY. It is the rate actually earned in one year, taking into account the effect of compounding.; A $25 monthly maintenance fee will incur for balances falling below $100,000.
Balance: $125000 and over
Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.00%▲ from 0.50%
- Sep 12, 20260.50%first recorded
Balance: Accounts over $50,000
Balance: $50,000.00 - $99,999.99
(1)
Balance: $250,000 and up
Balance: $100,000 +
- Oct 6, 20263.00%▼ from 3.05%
- Oct 1, 20263.05%first recorded
Balance: $50,000.00+
Balance: $250,000 - $499,999.99; Balance Frequency of Crediting: Daily/Monthly; $10.00 if ADB <$2,500
Balance: $100,000.00 - $249,999.99
Balance: $1,000,000-$2,499,999
Money Market $10,000 & up
- Sep 21, 20262.83%▲ from 2.22%
- Sep 14, 20262.22%first recorded
Balance: 500,000.00 to 999,999.99; Compounding Frequency: Monthly
Balance: $20,000.00 - $74,999.99
Balance: $500,000.00 - $999,999.99
Balance: $150001.01 and over
Balance: $500,000 - and over
Balance: $250,000.00-$499,999.99; Balance: Tier 4: $250,000.00-$499,999.99
Balance: $75,000 & >
Balance: $100,000 to $249,999.99
Balance: $50,000 - $99,999
Balance: $500,000-$999,999
Balance: $100,000+
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a 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. 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).
Balance: $25,000 - $74,999; Rates accurate as of October 6, 2026
Balance: $100,000 and above
- Oct 7, 20262.65%▲ from 2.50%
- Sep 7, 20262.50%first recorded
Balance: $100,000 - $199,999
Balance to Earn Interest: $0-$2,499.99; Frequency of Compounding: Monthly
Balance to Earn Interest: $0-$49,999.99; Frequency of Compounding: Monthly
Balance: $500,001.00 - 1,000,000.00. APY = Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. APY accurate as of 09/30/2026. Minimum opening deposit is $25,000. Minimum balance to earn APY is $0.01. eStatement enrollment is required to earn promotional APY. If eStatement enrollment and maintenance are not completed, the interest rate will be the lowest interest rate offered above. Additional fees, terms, and conditions apply. Account subject to deposit account approval.
Balance: $500,000.00 and Over
Balance: 250,000 to 499,999.99; Compounding Frequency: Monthly
Balance: $250,000-$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.
West Leipsic, OH Money Market Rate Trends
Compare local West Leipsic, 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 3.115% APY.
Ohio standard MMA rates fell 0.006 points over the past 7 days to 0.555% APY.
West Leipsic, 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 3.115% 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 West Leipsic, Ohio.
Money Market Account Earnings in West Leipsic, 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 (3.115% APY) | Monthly Earnings | Standard MMA (0.555% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $311.45 / year | $25.95 | $55.48 / year | $4.62 |
| $25,000 | $778.63 / year | $64.89 | $138.70 / year | $11.56 |
| $50,000 | $1,557.25 / year | $129.77 | $277.40 / year | $23.12 |
| $100,000 | $3,114.50 / year | $259.54 | $554.80 / year | $46.23 |
| 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: West Leipsic, Ohio money market rate averages as of October 13, 2026. | ||||
Available in West Leipsic, Ohio Area
About Our West Leipsic, Ohio Money Market Rate Database
MonitorBankRates tracks money market rate offers from 69 banks and credit unions available to West Leipsic, Ohio residents via statewide and national offers. No branch locations physically in West Leipsic are currently in our database, but all listed offers are open to West Leipsic 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. Use the rate table above to compare all current offers in West Leipsic, Ohio.
How to Find the Best Money Market Rates in West Leipsic, Ohio
What to compare when shopping for a money market account in West Leipsic, Ohio
To find the best money market APYs in West Leipsic, Ohio, start with credit unions and online-only banks: West Leipsic, 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 3.115% 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. West Leipsic, Ohio high-yield money market rates currently average 3.115% 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 West Leipsic, Ohio institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 69 institutions in West Leipsic, Ohio report money market rates to our database.
- You’re among West Leipsic, Ohio’s 18.3% 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 West Leipsic, Ohio CD rates
- You don’t need check writing and want a lower minimum West Leipsic, Ohio savings rates
- You need daily transaction access West Leipsic, Ohio checking rates
Ohio Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s OH high-yield money market average of 3.115%, saving 10% of the local median salary ($4,400/year) would earn an additional $137 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other West Leipsic, Ohio Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in West Leipsic, Ohio.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current OH Avg APY | 3.115% | 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 West Leipsic, Ohio averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
West Leipsic, 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 West Leipsic, 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 West Leipsic, 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 West Leipsic, Ohio earner is roughly $11,000. At 3.115% APY in a money market account, saving $920/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 3.115% 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 West Leipsic, Ohio earner makes $44,003/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.115% APY.
Retirement PlannerA $25,000 money market balance earning 3.115% APY grows to roughly $46,167 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 West Leipsic, 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 West Leipsic, 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 West Leipsic, 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 West Leipsic, Ohio
What is a Money Market Account (MMA)?
Are Money Market accounts in West Leipsic, Ohio safe?
How often do MMA rates change in West Leipsic, Ohio?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in West Leipsic, 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 West Leipsic, Ohio for money market accounts?
Best Money Market Rates in West Leipsic, 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
West Leipsic, Ohio Rates & Resources
