Money Market IRA

Future-focused. Present ready.

A Huntington Money Market IRA helps you grow your retirement savings with steady interest and flexible access. It’s a lower-risk way to earn more, while keeping your money within reach when life calls for it. All investments have some level of risk, but bank Money Market IRAs are considered a lower-risk investment.

Find a Branch

Smart features, thoughtfully crafted

No monthly maintenance fee 

With the money market IRA, there’s no monthly or annual custodian fees—so more of your money stays where it belongs: working for you.

Interest that keeps pace with your life

Earn interest on balances of $0.01 or more—so your savings can grow alongside your goals.

Your money is protected

Funds in your Huntington money market IRA are FDIC insured up to the applicable limits, giving you added peace of mind as you save for retirement.

Save with purpose, and potential tax benefits

A money market IRA offers tax benefits that can help your savings go further. Talk with a tax professional to understand how this account fits into your retirement strategy1.

Access your funds without a bank penalty

Huntington does not charge an early withdrawal penalty on your money market IRA. Keep in mind, IRS tax penalties may still apply depending on your age and withdrawal type1.

Counts toward your total relationship balance

Your money market IRA contributes to your Total Relationship Balance, which may help reduce fees on other eligible Huntington accounts2.

Money Market IRA interest rates

View Rates

Save with care. Access with ease.

A money market IRA supports your goals—before and after retirement.

Before retirement, a Huntington Money Market IRA offers a lower-risk way to grow your savings, with FDIC insurance up to applicable limits. All investments have some level of risk, but bank money market IRAs are considered a lower-risk investment.

After retirement, you’ll have easy access to your funds—with no monthly maintenance fee.

Talk with a banker

IRA to Roth IRA conversion calculator

Explore your options for growth

Wondering if converting your traditional IRA to a Roth IRA makes sense for you? Use this calculator to estimate the potential impact and benefits.

Open Calculator

IRA Contribution Calculator

See how much you can contribute—and why it matters

Find out how much you can contribute to an IRA based on your income, age, and tax filing status. This tool helps you plan with clarity and confidence.

Open Calculator

Related Resources

What is an IRA and why do you need one?

IRA stands for Individual Retirement Account. IRAs are a way for you to provide for yourself in your retirement. To understand IRAs, it's important to understand contributions, earned income, and distributions.

Learn More

Benefits of a money market account

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.

Learn More

Money Market IRA FAQs

Contact Us

We're here for you—online, by phone, or in a branch.

Automated assistance

Quick answers when you need them.

Ask Us

Speak with us

We're here to help.

Contact Us

Find a branch

Find your nearest Huntington branch.

Branch Locator

DISCLOSURES

1 Taxes. This information does not constitute tax or legal advice. Please consult your tax advisor or attorney.

2 Total Relationship Balance. Qualifying Relationship Balances include your money that is on deposit in all of your Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs) , and individual retirement accounts (IRAs), owned by you and jointly with someone else, and, all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Other eligible accounts include existing annuities with a cash value account balance opened by The Huntington Investment Company. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources.