September 3, 2021 12:00 PM PT

Huntington Bank Money Market Rates

Read more about Huntington Bank
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Huntington Bank Relationship Money Market Account lets you earn interest on your savings. Find out if the APY is worth your time below.

Huntington Bank operates in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia.

If you live in these states and want returns on your bank balance, consider Huntington's Money Market Account (MMA).

That said, the regional bank has several shortfalls. Keep reading for Huntington Money Market Account's pros and cons.

What is Huntington Bank Money Market?

Huntington has two main types of money market accounts:

  1. Relationship MMA
  2. MMA IRA

If you want a day-to-day savings option that earns interest, go for the relationship MMA. But you're trying to save for retirement, MMA IRA may be better for you.

1. Relationship Money Market Account

Member FDIC

Relationship Money Market Account

Minimum balance to earn interest is $25,000

With Huntington Bank 5 Checking Account0.05%
With Huntington Bank 25 Checking Account0.05%
With Private Client Account0.06%

Huntington's Relationship Money Market Account is a type of FDIC-insured savings account that earns interest. This account offers "relationship" benefits (more on that in a sec) and good branch and services accessibility.

However, you'll have to look past the low APYs. You earn 0.05% interest on all balances above $25,000. Keep in mind that many other savings accounts let you earn the same APY for any balance (no required amount).

Account features:

  • Earn interest on all balances above $25,000
  • Relationship benefits (get a higher interest rate when you also have a Huntington 5 or Huntington 25 account)
  • No monthly maintenance fees with average daily balance of $25,000 or when you have either a Huntington 5 or Huntington 25 Checking account (otherwise $25 per month)
  • FDIC-insured account
  • Write checks from MMA
  • Up to six withdrawals per month through an ATM, electronic transfer, or check transaction


  • 24-Hour Grace®
  • All-day deposit
  • Email and text alerts
  • Mobile deposit
  • Online bill pay
  • Overdraft protection


  • Low APY
  • $25 monthly maintenance fees
  • Requires $25,000+ balance to waive monthly maintenance fees
  • Requires $25,000+ to earn interest

2. Money Market IRA

Member FDIC

Money Market IRA

$0.01 to $2,499.990.02%
$2,500.00 and over0.05%

Huntington's MMA IRA lets you start saving with just $1. It's an interest-bearing account with no monthly maintenance fee. The account is geared toward individuals who are new to IRAs.

An MMA IRA with Huntington can be part of a Traditional or Roth IRA.

Account Features:

  • Earn 0.02% interest on balances up to $2,499.99
  • Earn 0.05% interest on balances $2,500 and up
  • No monthly maintenance of annual custodian fees
  • FDIC-insured account
  • No early withdrawal penalties charged by Huntington Bank


  • FDIC-insured
  • No maintenance fees
  • Interest-bearing


  • Low interest rate

How to Open a Money Market Account

Relationship MMA:
It's quick and easy (about 10 minutes) to open an MMA online. Or you can set up an account by visiting any Huntington Branch.

You need to be:

  • 18 years of age or older
  • a U.S. citizen
  • a resident in Ohio, Pennsylvania, West Virginia, Kentucky, Illinois, Indiana, or Michigan; existing Huntington customers residing outside of these states are also eligible to open a new account

Plus, you need to have a government-issued ID and know your Social Security number.

To open an MMA IRA, visit a branch near you.

Money Market Calculator

Money Market Calculator

Compare Money Market vs Savings Account vs CDs

Money market. Savings accounts. CDs. Where's the best place to stash your money?

All three options can earn your interest while keeping your money safe. But there are a few key differences to be aware of. Review the offers below to compare.

What is Huntington Money Market's Promotional Rate?

This interest-bearing savings product is limited to six transfers and withdrawals per month. MMA used to pay a higher APY than a savings account. Nowadays, though, the interest rates of MMA vs savings are not too different since the Fed cut rates to nearly zero percent.

Member FDIC

Relationship Money Market Account

Minimum balance to earn interest is $25,000

With Huntington Bank 5 Checking Account0.05%
With Huntington Bank 25 Checking Account0.05%
With Private Client Account0.06%

What is Huntington Bank's Savings Rate?

A savings account is designed for storing any extra money. It's a lot more fluid, and you can add and withdraw money as you'd like. Unlike a checking account or some MMAs, you will not get a checkbook to access the money.

You can move money around with online transfers and in-person withdrawals at your bank.

How much interest does a Huntington savings account make?

Premier Savings Account - Earn 0.01% APY

Earn $0.01% APY with minimum balance of $0.01. Minimum opening deposit is $50.

Relationship Savings Account

Minimum balance to earn interest is $0.01

With Huntington Bank 5 Checking Account0.02%
With Huntington Bank 25 Checking Account0.02%
With Private Client Account0.06%

What are the CD rates at Huntington Bank?

Huntington's CDs let you earn a higher interest rate than most traditional savings accounts. CDs are FDIC-insured and come with fixed rates for the term of the CD. Note: If you withdraw a CD before the term matures, you will be subject to early withdrawal penalties.

Huntington Bank Fixed Rate CDs

TermCD Rates
1 Month0.01% APY
3 Months0.01% APY
6 Months0.03% APY
9 Months0.03% APY
12 Months0.03% APY
18 Months0.03% APY
24 Months0.03% APY
36 Months0.03% APY
48 Months0.03% APY
60 Months0.03% APY
72 Months0.03% APY

Huntington Bank Jumbo Fixed Rate CDs

Term (Days)CD Rates
70.01% APY
14 0.01% APY
30 0.01% APY
60 0.01% APY
90 0.01% APY
180 0.03% APY
270 0.03% APY
365 0.03% APY
547 0.03% APY
730 0.03% APY
912 0.03% APY
1095 0.03% APY
1460 0.03% APY
1825 0.03% APY

Bottom Line

Huntington Bank is known for its generous overdraft policy. But that perk might not offset their low APY and steep balance to waive the monthly fees.

Since you need $25,000 to earn interest on the regular Relationship MMA, it may be better to sign up for an online savings account with a higher APY and no balance requirements.

Keep an eye out for Huntington Bank promotions. This Midwest bank is constantly sharing bonuses for their checking, savings, and business accounts.

Huntington Bank
Member FDIC

Huntington 25 Checking® - $500 Bonus

To qualify for the $500 cash bonus, you are required to open a new, qualifying Huntington 25 Checking® during the promotional period between July 1, 2021 and October 7, 2021 and make cumulative new money deposits into the checking account of at least $15,000 or more within 60 days of account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.

Expires 10/7/2021
Member FDIC

Chase Total Checking® - $225 Bonus

  • New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit
CIT Bank
Member FDIC

CIT Bank Money Market Account - 0.45% APY

  • 0.45% APY
  • $100 minimum opening deposit
  • No monthly maintenance fee
Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

Expires 1/5/2022
  • Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
  • Open your new HSBC Premier checking account online by January 5, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
  • You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code CY21 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/21, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2021

Amber Kong is a content and creative at CreditDonkey, a bank comparison and reviews website. Write to Amber Kong at Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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