Highest Money Market Rates in Arizona
16 Arizona-specific accounts
Top Arizona Rate:3.88% APYFDIC or NCUA Insured
The Arizona market
Arizona accounts
16
Institutions
12
Top Arizona APY
3.88% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
16 money market accounts are open only to Arizona residents, from 12 institutions. The highest advertised APY among them is 3.88%.
The highest nationally available rate is 4.00% APY, 12 basis points above the Arizona leader.
15 of the 16 Arizona money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Arizona-Specific Money Market Accounts
Money market accounts specifically available to Arizona residents.
| Institution | Product / Term | APY |
|---|---|---|
| First Internet Bank of Indiana | Money Market Savingsneeds at least $1,000,000.01 | Up to3.88% |
| Southwest Heritage Bank | Personal PremiumPlus Money Marketneeds at least $3,000,000 | 3.75% |
| UMB Bank, National Association | UMB Retail Money Marketneeds at least $10,000 | 3.71% |
| Gainey Business Bank | Money Market Savingsneeds at least $1,000,000 | Up to3.57% |
| Armed Forces Bank, National Association | Premier Money Marketneeds at least $250,000 · promotional rate | Up to3.05% |
| Bell Bank | Elite Money Market Savings | 3.01% |
| Goldwater Bank, N.A. | GB Money Market Personal | 3.00% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Academy Bank, National Association | Premier Money Marketneeds at least $250,000 | Up to2.20% |
| WaFd Bank | High Yield Money Marketneeds at least $500,000 | Up to2.00% |
| Bank of Colorado | Money Market Accountneeds at least $3,000,000 | Up to1.76% |
| Bell Bank | Premier Money Market Savingsneeds at least $500,000 | Up to1.36% |
| Goldwater Bank, N.A. | Money Market Plus Personal & Businessneeds at least $100,000 | Up to1.10% |
| Southwest Heritage Bank | Personal Premium Money Marketneeds at least $250,000 | Up to1.01% |
| WaFd Bank | Money Marketneeds at least $15,000 | Up to0.20% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Arizona.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |