High Interest Rate Relationship Money Market Account
Our Relationship Money Market account allows you to earn robust interest while maintaining access to your cash. Plus, when you also have a Perks Checking or Platinum Perks Checking account, you can receive an even better interest rate and skip the monthly maintenance fee. Open an account online in minutes and watch your savings grow.
Relationship Money Market Account Features
Earn Interest
Earn interest when your balances reach $25,000.
FDIC-Insured Savings
Our Relationship Money Market account is FDIC-insured up to customer's applicable limits.
No Monthly Maintenance Fee
With an average daily balance of $25,000, or when you have either a Perks Checking or Platinum Perks Checking account; otherwise $25†.
Relationship Money Market Account Features
Relationship Rate Benefit
Access a better interest rate when you also have a Perks Checking or Platinum Perks Checking account.≠
Unlimited Transfers and Withdrawals, and Free Checks
Keep your cash liquid with unlimited cash withdrawals and transfers through Huntington ATMs and branches. Plus, you have access to checks.
Compare Relationship Money Market Account Interest Rates
Your rate is based on the 43023 zip code.
Rates effective as of Thursday, December 26, 2024.
| Non-Relationship Rate | With Huntington Perks Checking** | With Huntington Platinum Perks Checking*** | With Private Client Account**** | ||||||
|---|---|---|---|---|---|---|---|---|---|
|
Balance
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
|
|
$0.01 to
$24,999.99 |
0.00%
|
0.00%
|
0.00%
|
0.00%
|
0.00%
|
0.00%
|
0.00%
|
0.00%
|
|
|
$25,000.00 to
$99,999.99 |
3.90%
|
3.97%
|
3.95%
|
4.02%
|
4.00%
|
4.07%
|
4.10%
|
4.18%
|
|
|
$100,000.00 to
$249,999.99 |
3.90%
|
3.97%
|
3.95%
|
4.02%
|
4.00%
|
4.07%
|
4.10%
|
4.18%
|
|
|
$250,000.00 to
$499,999.99 |
3.90%
|
3.97%
|
3.95%
|
4.02%
|
4.00%
|
4.07%
|
4.10%
|
4.18%
|
|
|
$500,000.00 to
$999,999.99 |
3.90%
|
3.97%
|
3.95%
|
4.02%
|
4.00%
|
4.07%
|
4.10%
|
4.18%
|
|
|
$1,000,000.00 to
$2,000,000.99 |
3.90%
|
3.97%
|
3.95%
|
4.02%
|
4.00%
|
4.07%
|
4.10%
|
4.18%
|
|
|
$2,000,001.00 to
$99,999,999,999.99 |
0.25%
|
0.25%
|
0.25%
|
0.25%
|
0.25%
|
0.25%
|
0.25%
|
0.25%
|
|
MINIMUM BALANCE TO AVOID MONTHLY MAINTENANCE FEE WITHOUT A QUALIFYING CHECKING ACCOUNT IS $25,000.00. MINIMUM BALANCE TO EARN INTEREST IS $25,000.00 AND MUST BE NEW MONEY TO HUNTINGTON. "NEW MONEY" IS DEFINED AS MONEY THAT IS NOT CURRENTLY ON DEPOSIT IN ANY HUNTINGTON ACCOUNT (EXCEPT MATURING CONSUMER CDS). *ANNUAL PERCENTAGE YIELD (APY) ACCURATE AS OF EFFECTIVE DATE STATED ABOVE. THIS RATE IS VARIABLE AND MAY CHANGE AT ANY TIME IN OUR DISCRETION. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. **YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN HUNTINGTON PERKS CHECKING ACCOUNT. ***YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN HUNTINGTON PLATINUM PERKS CHECKING ACCOUNT. ****YOU QUALIFY FOR THESE INTEREST RATES AND APYS AS LONG AS YOU HAVE AN OPEN PRIVATE CLIENT ACCOUNT. CHECKING ACCOUNT CONDITIONS: DEPENDING ON YOUR TYPE OF CHECKING ACCOUNT, IT MAY OR MAY NOT BE INTEREST-BEARING WHICH MAY IMPACT THE OVERALL RETURN OF YOUR TOTAL FUNDS ON DEPOSIT. IF A CHECKING ACCOUNT IS NOT MAINTAINED, THE HRMMA WILL EARN THE LOWER, NON-RELATIONSHIP RATE. APPLICABLE TO BOTH HUNTINGTON RELATIONSHIP MONEY MARKET ACCOUNT AND CHECKING ACCOUNTS: FEES MAY REDUCE EARNINGS ON THE ACCOUNT. WE RESERVE THE RIGHT TO LIMIT ACCEPTANCE OF DEPOSITS GREATER THAN $2,000,000.00. HUNTINGTON(R)IS A FEDERALLY REGISTERED SERVICE MARK OF HUNTINGTON BANCSHARES INCORPORATED. MEMBER FDIC.
Relationship Money Market Account Tools
All of our savings customers get access to products and tools built on automatic saving, flexibility, and simple financial management.
Money Scout®
When you enroll, Money Scout analyzes your spending habits, income, and upcoming expenses to find money you’re not using in your checking account—from $5 to $50—and moves it to your savings, automatically.¶ Money Scout is not currently available for use with money market accounts.
24-Hour Grace®
We all make mistakes, but our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to help avoid an Overdraft Fee or transaction being returned.‡
What is a money market account?
Money market accounts, also referred to as MMAs, are a type of savings account that is FDIC insured up to applicable limits and earns interest. Your interest rates will vary based on your zip code and balance. With our best interest rates, a Huntington Relationship Money Market Account can help you reach your savings goals.
There are two main types of money market accounts: A regular MMA and an MMA IRA. A regular money market account is a great option if you’re looking for a savings account that earns a premium interest rate. If your goal is to save for retirement, an MMA IRA may be a better option. Money market accounts are also lower risk than stock market investment options and you'll have easier access to your money. Unlike other savings accounts, you can write checks from your MMA. You can also make withdrawals through an ATM, electronic transfer, or teller-assisted transaction.
How to Open a Money Market Account Online
It takes about 10 minutes to open a money market account online. You can also open a one by visiting any of our branches.
To open a money market account, you must:
- Be 18 or older
- Be a U.S. citizen with a social security number
- Be a resident in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin. Existing Huntington customers residing outside of these states are also eligible to open a new account.
- Have a U.S. government or state-issued ID, like a drivers license or passport.
- Be prepared to deposit $25,000, the minimum balance required to open the account
Let us look out for you
Huntington Savings Calculators
Did you know we also have an MMA IRA?
Related Resources
A Money Market Account (MMA) might be the right choice for you if you’re looking to earn interest while having access to your funds.
It can be hard to prioritize which financial goals to save for first, and how to plan to save for more than one goal at a time. Find out how to save for multiple goals with Huntington.
Relationship Money Market Account FAQs
Answer: A money market account is a type of savings account that earns interest, is FDIC insured up to applicable customer limits, and allows the account owner to have access to the funds. At Huntington, our money market account is a relationship money marketing account, meaning you're eligible for a better interest rate when you also have a Perks Checking or Platinum Perks Checking account.≠
Answer: Money market accounts are FDIC-insured, offer higher interest rates compared to savings accounts, and are highly liquid, meaning they could be converted to cash easily. You can usually access the cash in a money market account through ATMs, in-branch teller services, and check-writing privileges. Money market accounts could be a great option to help reach specific savings goals, like building an emergency fund, saving for college, or saving for a down payment on a home or car.
Answer: Money market accounts are considered low-risk investments, and your funds are insured up to applicable FDIC limits.
Answer: Huntington is an FDIC insured bank, which means the money in your savings account is safe up to applicable limits ($250,000 per depositor, per ownership category).
Answer: Yes. With the Relationship Money Market account, we offer unlimited Huntington ATM cash withdrawals and transfers.
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† Minimum Balance. Minimum balance to avoid monthly maintenance fee without a qualifying checking account is $25,000.00.
≠ Relationship Rate Benefit. The interest rate on your Relationship Money Market or Relationship Savings Account will be better when you also own a Huntington Perks Checking® Account or Huntington Platinum Perks Checking® Account. Ask a banker to see a rate sheet for details.
‡ 24-Hour Grace. Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone®. Learn more at huntington.com/SafetyZone and huntington.com/Grace.
§ Overdraft Protection. Money can be automatically transferred (if you have enough money in your linked account) to cover overdrafts and returns in increments of $100. The transfer fee is $0.
¶ Money Scout. Money Scout automatically schedules transfers from your selected checking account and credits your selected savings account. A money market account (MMA) cannot be a selected savings account for use with Money Scout. A scheduled transfer may be canceled before midnight ET on the day it is scheduled. Transfer amounts and frequency may vary and will reduce the money available in your account to cover other transactions. You are responsible for ensuring your account has sufficient funds. You may be charged overdraft fees if your account falls below -$50. Subject to eligibility, terms and conditions, and other account agreements.
24-Hour Grace®, Money Scout®, $50 Safety Zone®, Huntington Perks Checking®, and Huntington Platinum Perks Checking® are federally registered service marks of Huntington Bancshares Incorporated. Savings Goal Getter℠ is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.