---
title: "Best Credit Union Money Market Rates"
description: "Best observed APY: 4.75% at Securityplus Credit Union across 80 credit unions. Compare money market rates using published credit union APY, median yield, market spread, and observation counts. APY is yield, not loan APR. No affiliate ranking."
canonical: "https://rateapi.dev/money-market-rates"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# Best Credit Union Money Market Rates

Published credit union deposit data

# Best Credit Union Money Market Rates — up to 4.75% APY, September 2026

Compare current credit union money market APY with nationwide and state-level market benchmarks.

Get a Free API Key [Deposit rate API](https://rateapi.dev/deposit-rates)

Deposits quote APY, not APR. Higher APY earns more, but eligibility, balance tiers, fees, and withdrawal terms still matter.

[Home](https://rateapi.dev/) [Deposit Rates](https://rateapi.dev/deposit-rates) Money Market Rates

Live proprietary benchmark

## What published credit union APYs show now

Higher is better for deposit APY. Counts are qualifying published observations, not account recommendations or affiliate offers.

Best observed APY **4.75%** Highest qualifying published yield

Median APY **1.13%** Middle observed rate

Market spread **470 bps** 0.05% to 4.75%

Credit unions **80** Institutions in this aggregate

Rate observations **152** Qualifying published rows

Data timestamp: Sep 25, 2026, 11:01 PM UTC . [See the collection and ranking methodology](https://rateapi.dev/methodology) .

How to read this page

## Money Market Rates are compared by APY

Money market accounts are liquid deposit products that often use balance tiers. The live benchmark uses published money market APY rows and may include multiple qualifying balance tiers in the rate count.

## Compare beyond headline APY

- Confirm membership and geography eligibility.
- Check minimum and maximum balance tiers.
- For CDs, compare early-withdrawal penalties and renewal rules.
- Separate promotional APY from the standard ongoing yield.

Explore the deposit market

## Compare products without mixing unlike yields

[**CD Rates** Compare current credit union certificate of deposit APY with nationwide, state, and term-aware benchmarks.](https://rateapi.dev/cd-rates) [**Savings Rates** Compare current credit union savings APY with nationwide and state-level market benchmarks.](https://rateapi.dev/savings-rates) [**Money Market Rates** Compare current credit union money market APY with nationwide and state-level market benchmarks.](https://rateapi.dev/money-market-rates)

[California](https://rateapi.dev/money-market-rates/california) [Texas](https://rateapi.dev/money-market-rates/texas) [Florida](https://rateapi.dev/money-market-rates/florida) [New York](https://rateapi.dev/money-market-rates/new-york) [Pennsylvania](https://rateapi.dev/money-market-rates/pennsylvania) [Ohio](https://rateapi.dev/money-market-rates/ohio) [Illinois](https://rateapi.dev/money-market-rates/illinois) [Georgia](https://rateapi.dev/money-market-rates/georgia) [North Carolina](https://rateapi.dev/money-market-rates/north-carolina) [Michigan](https://rateapi.dev/money-market-rates/michigan) [Virginia](https://rateapi.dev/money-market-rates/virginia) [Washington](https://rateapi.dev/money-market-rates/washington)

Methodology

## Evidence first, no invented rates

The live module comes from benchmark mode on `POST /v1/deposit-rates` . RateAPI validates the returned product, state, and term against the requested page, requires a real upstream `as_of` timestamp, and withholds the module when the aggregate is empty, thin, malformed, or unavailable. Generic savings benchmarks compare tiers applicable at a $10,000 balance and keep explicitly restricted or specialty/seasonal products out of headline rankings while retaining them as contextual listings. Read the full [RateAPI methodology](https://rateapi.dev/methodology) or inspect the [deposit API contract](https://rateapi.dev/deposit-rates) .

FAQ

## Questions about Money Market Rates

It summarizes published credit union money market account APY that passes RateAPI's current-data and product-category filters. The live module reports the highest APY, median APY, full observed spread, rate-row count, institution count, and upstream data timestamp.

Deposit accounts quote APY, or annual percentage yield, which includes compounding. APR describes borrowing cost. RateAPI never relabels a deposit yield as loan APR.

No. APY is one comparison input. Minimum balance, membership eligibility, term, withdrawal limits, early-withdrawal penalties, tiers, and promotional conditions can change whether an account fits a saver.

What does the Money Market Rates benchmark measure? Are money market rates quoted as APY or APR? Does the highest APY mean the account is best for everyone?

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/money-market-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp