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Best Money Market Rates in Alabama (AL) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: May 5, 2026

Current Alabama money market deposit account rates include Max Credit UnionMax Credit Union2309 Cobbs Ford Rd, Prattville, AL 36066A+5.0 ★Texas Ratio: 3.24% Elevate Money Market Account - Reverse Money Market at 5.00% APY, Avadian Credit UnionAvadian Credit Union15660 Highway 280, Chelsea, AL 35043A+5.0 ★Texas Ratio: 3.11% New Business Money Market at 3.65% APY, Local Bank Red Level, ALLocal Bank Red Level, AL205 Mcfarland Cir N, Tuscaloosa, AL 35406A+5.0 ★Texas Ratio: 1.31% Money Market Accounts at 3.50% APY, AOD Federal Credit UnionAOD Federal Credit Union334 Victory Drive, Bynum, AL 36253A+5.0 ★Texas Ratio: 1.42% Money Market Account at 3.50% APY, and TruistTruist200 W Laurel Ave, Foley, AL 36535A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY. Money market rates as of May 5, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Alabama side-by-side. Alabama money market rates currently reach as high as 5.00% APY from Max Credit Union at 2309 Cobbs Ford Rd, Prattville, AL 36066. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Alabama and surrounding area. Last Updated and Verified: May 5, 2026

Compare the Best Money Market Rates Today in Alabama

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Elevate Money Market Account - Reverse Money Market
5.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Elevate Money Market Account - Reverse Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL 35043
New Business Money Market
3.65%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details

New Money

Local Bank Red Level, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
Money Market Accounts
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
Money Market Account
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
200 W Laurel Ave, Foley, AL 36535
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
HIMMA Premier High Interest Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Rate available on new deposits only. Account can be opened online, by phone or in branch. Dividend paid at rate of 3.25% APY or 3.20% dividend rate. At the end of six months, the HIMMA Premier balance can be rolled into one of the following options: a regular HIMMA account, a share or checking account, or a certificate. Limit 6 pre-authorized withdrawals per month. Rates and terms subject to change at any time.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
Elite Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL 35810 6045
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL 35401 1702
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL 35401
Daily Money Market Account
3.03%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$100,000+; Monthly Interest Compounded; 3 per month Transfer Limit; Monthly Interest Credited

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Money Market
3.00%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Money Market+
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required)

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Money Market Account
3.00%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Elevate Money Market Account - Reverse Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Prime Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$50,000 and up

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Money Market Accounts
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Brewton Mill Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.36%
2549 South Blvd, Brewton, AL 36426
Money Market
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Up To

First Bank Wadley, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
312 Main Street P O Box 28, Wadley, AL 36276
Money Market
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Up To

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Money Market+
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required); $250,000 to $499,999.99

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$25,000.00 - $49,999.99

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Money Market Accounts
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Money Market+
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required); $100,000 to $249,999.99

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Performance Money Market Account
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
Elite Money Market
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL 36253
Money Market Account
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Performance Money Market Account
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL 35211 6978
Money Market Magic
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Money Market Tier 3
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL 36604 2713
Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Money Market Share Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL 35244 1005
Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Money Market Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL 35906 5979
Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$10,000.00 - $24,999.99

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Money Market Tier 2
1.87%
$0
View
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Money Market Share Account
1.80%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Money Market Accounts
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
Money Market to $250,000.00
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$150,000.01

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
2309 Cobbs Ford Rd, Prattville, AL 36066
Performance Money Market Account
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL 35404
Money Market
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$250,000.01 and above

Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St, Dothan, AL 36303 4530
Money Market Account
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Money Market+
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required); $25,000 to $99,999.99

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL 35244 2006
Elite Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Money Market+
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required); $10,000 to $24,999.99

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL 35242 4814
Money Market Tier 1
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
Money Market Access
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601
Business Money Market+
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required); $2,500 to $9,999.99

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Money Market Share Account
1.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
Money Market Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

First Citizens Bank Luverne, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
100 W 3rd St, Luverne, AL 36049
Money Market
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details

Daily Balances of: $250,000.00 and up

Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
High Performance Money Market Account
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Balances $0 - $24,999.00

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
TotalView Money Market Savings
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
High Yield Money Market
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Balances $20,000.00+

PeoplesTrust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
34888 Us Highway 43, Hackleburg, AL 35564
Elite Tiered Money Market
0.60%
$10
View
▼
Rate0.60%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
43243 Us Highway 72, Stevenson, AL 35772
Money Market Tiered
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
TotalView Money Market Savings
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
TotalView Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Southern State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
80 Bank St, Stevenson, AL 35772
Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
15 20th St N, Pell City, AL 35125
Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Citizens Bank Luverne, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
100 W 3rd St, Luverne, AL 36049
Money Market
0.40%
$2,500
View
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details

Daily Balances of: $100,000.00-$249,999.99

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Alabama and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Alabama Money Market Rate Trends

Compare local Alabama money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama MMA Trends →
High-Yield MMA — AL Avg
3.051%
▼ 0.030 vs 7 days ago

Alabama high-yield MMA rates fell 0.030 points over the past 7 days to 3.051% APY.

Standard MMA — AL Avg
0.455%
▼ 0.008 vs 7 days ago

Alabama standard MMA rates fell 0.008 points over the past 7 days to 0.455% APY.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Alabama. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in AL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Alabama

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Alabama.

Are Money Market accounts in Alabama safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Alabama up to $250,000 per depositor, per institution.

How often do MMA rates change in Alabama?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Alabama rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Alabama?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Alabama require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Alabama

Here are some of the highest money market account APYs currently available in Alabama:
  • Max Credit Union
    Elevate Money Market Account - Reverse Money Market — 5.00% APY
  • Avadian Credit Union
    New Business Money Market — 3.65% APY
  • Local Bank Red Level, AL
    Money Market Accounts — 3.50% APY
  • AOD Federal Credit Union
    Money Market Account — 3.50% APY
  • Truist
    Small Business Money Market Account — 3.40% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 5, 2026

Alabama Rates & Resources

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Cities in Alabama

  • Abbeville
  • Abernant
  • Adamsville
  • Addison
  • Adger
  • Akron
  • Alabaster
  • Alberta
  • Albertville
  • Alexander City
  • Alexandria
  • Aliceville
  • Allgood
  • Alma
  • Alpine
  • Alton
  • Altoona
  • Andalusia
  • Anderson
  • Annemanie
  • Anniston
  • Arab
  • Ardmore
  • Ariton
  • Arley
  • Arlington
  • Ashford
  • Ashland
  • Ashville
  • Athens
  • Atmore
  • Attalla
  • Auburn
  • Auburn University
  • Autaugaville
  • Axis
  • Baileyton
  • Banks
  • Bankston
  • Bay Minette
  • Bayou La Batre
  • Bear Creek
  • Beatrice
  • Beaverton
  • Belk
  • Bellamy
  • Belle Mina
  • Bellwood
  • Berry
  • Bessemer
  • Billingsley
  • Birmingham
  • Black
  • Blountsville
  • Boaz
  • Boligee
  • Bon Air
  • Bon Secour
  • Booth
  • Boykin
  • Brantley
  • Bremen
  • Brent
  • Brewton
  • Bridgeport
  • Brierfield
  • Brilliant
  • Brooklyn
  • Brookside
  • Brookwood
  • Brownsboro
  • Brundidge
  • Bryant
  • Bucks
  • Buhl
  • Burnt Corn
  • Burnwell
  • Butler
  • Bynum
  • Calera
  • Calvert
  • Camden
  • Camp Hill
  • Campbell
  • Capshaw
  • Carbon Hill
  • Cardiff
  • Carlton
  • Carrollton
  • Castleberry
  • Catherine
  • Cecil
  • Cedar Bluff
  • Centre
  • Centreville
  • Chancellor
  • Chapman
  • Chatom
  • Chelsea
  • Cherokee
  • Childersburg
  • Choccolocco
  • Chunchula
  • Citronelle
  • Clanton
  • Clay
  • Clayton
  • Cleveland
  • Clinton
  • Clio
  • Clopton
  • Cloverdale
  • Coaling
  • Coden
  • Coffee Springs
  • Coffeeville
  • Coker
  • Collinsville
  • Columbia
  • Columbiana
  • Cook Springs
  • Coosada
  • Cordova
  • Cottondale
  • Cottonton
  • Cottonwood
  • Courtland
  • Cowarts
  • Coy
  • Cragford
  • Crane Hill
  • Creola
  • Cromwell
  • Cropwell
  • Crossville
  • Cuba
  • Cullman
  • Cusseta
  • Dadeville
  • Daleville
  • Danville
  • Daphne
  • Dauphin Island
  • Daviston
  • Dawson
  • De Armanville
  • Deatsville
  • Decatur
  • Deer Park
  • Delmar
  • Delta
  • Demopolis
  • Detroit
  • Dickinson
  • Dixons Mills
  • Docena
  • Dolomite
  • Dora
  • Dothan
  • Double Springs
  • Douglas
  • Dozier
  • Duncanville
  • Dutton
  • East Tallassee
  • Eastaboga
  • Echola
  • Eclectic
  • Edwardsville
  • Eight Mile
  • Elba
  • Elberta
  • Eldridge
  • Elkmont
  • Elmore
  • Elrod
  • Emelle
  • Empire
  • Enterprise
  • Epes
  • Equality
  • Estillfork
  • Ethelsville
  • Eufaula
  • Eutaw
  • Eva
  • Evergreen
  • Excel
  • Fackler
  • Fairfield
  • Fairhope
  • Falkville
  • Faunsdale
  • Fayette
  • Fitzpatrick
  • Five Points
  • Flat Rock
  • Flomaton
  • Florala
  • Florence
  • Foley
  • Forest Home
  • Forkland
  • Fort Davis
  • Fort Deposit
  • Fort Mitchell
  • Fort Payne
  • Fort Rucker
  • Fosters
  • Franklin
  • Frankville
  • Frisco City
  • Fruitdale
  • Fruithurst
  • Fulton
  • Fultondale
  • Furman
  • Fyffe
  • Gadsden
  • Gainestown
  • Gainesville
  • Gallant
  • Gallion
  • Gantt
  • Garden City
  • Gardendale
  • Gaylesville
  • Geneva
  • Georgiana
  • Geraldine
  • Gilbertown
  • Glen Allen
  • Glenwood
  • Goodsprings
  • Goodwater
  • Goodway
  • Gordo
  • Gordon
  • Goshen
  • Grady
  • Graham
  • Grand Bay
  • Grant
  • Graysville
  • Green Pond
  • Greensboro
  • Greenville
  • Grove Hill
  • Groveoak
  • Guin
  • Gulf Shores
  • Guntersville
  • Gurley
  • Hackleburg
  • Haleyville
  • Hamilton
  • Hanceville
  • Hardaway
  • Harpersville
  • Hartford
  • Hartselle
  • Harvest
  • Hatchechubbee
  • Hayden
  • Hayneville
  • Hazel Green
  • Headland
  • Heflin
  • Helena
  • Henagar
  • Higdon
  • Highland Home
  • Hillsboro
  • Hodges
  • Hollins
  • Holly Pond
  • Hollytree
  • Hollywood
  • Holy Trinity
  • Honoraville
  • Hoover
  • Hope Hull
  • Horton
  • Houston
  • Huntsville
  • Hurtsboro
  • Huxford
  • Ider
  • Irvington
  • Iuka
  • Jachin
  • Jack
  • Jackson
  • Jacksons Gap
  • Jacksonville
  • Jasper
  • Jefferson
  • Jemison
  • Jones
  • Joppa
  • Kansas
  • Kellerman
  • Kellyton
  • Kennedy
  • Kent
  • Killen
  • Kimberly
  • Kinston
  • Knoxville
  • Laceys Spring
  • Lafayette
  • Lanett
  • Langston
  • Lapine
  • Lawley
  • Leeds
  • Leesburg
  • Leighton
  • Lenox
  • Leroy
  • Lester
  • Letohatchee
  • Lexington
  • Lillian
  • Lincoln
  • Linden
  • Lineville
  • Lisman
  • Little River
  • Livingston
  • Loachapoka
  • Lockhart
  • Locust Fork
  • Logan
  • Louisville
  • Lower Peach Tree
  • Lowndesboro
  • Loxley
  • Luverne
  • Lynn
  • Madison
  • Magnolia
  • Magnolia Springs
  • Malcolm
  • Malvern
  • Maplesville
  • Marbury
  • Margaret
  • Marion
  • Marion Junction
  • Mathews
  • Maylene
  • McCalla
  • McIntosh
  • McKenzie
  • McShan
  • McWilliams
  • Megargel
  • Melvin
  • Mentone
  • Meridianville
  • Mexia
  • Midland City
  • Midway
  • Millbrook
  • Millerville
  • Millport
  • Millry
  • Minter
  • Mobile
  • Monroeville
  • Montevallo
  • Montgomery
  • Montrose
  • Moody
  • Mooresville
  • Morris
  • Morvin
  • Moulton
  • Moundville
  • Mount Hope
  • Mount Meigs
  • Mount Olive
  • Mount Vernon
  • Mulga
  • Munford
  • Muscadine
  • Muscle Shoals
  • Myrtlewood
  • Nanafalia
  • Natural Bridge
  • Nauvoo
  • Needham
  • New Brockton
  • New Castle
  • New Hope
  • New Market
  • Newbern
  • Newell
  • Newton
  • Newville
  • Normal
  • Northport
  • Notasulga
  • Oak Hill
  • Oakman
  • Odenville
  • Ohatchee
  • Oneonta
  • Opelika
  • Opp
  • Orange Beach
  • Orrville
  • Owens Cross Roads
  • Ozark
  • Paint Rock
  • Palmerdale
  • Panola
  • Pansey
  • Parrish
  • Pelham
  • Pell City
  • Pennington
  • Perdido
  • Perdue Hill
  • Perote
  • Peterman
  • Peterson
  • Petrey
  • Phenix City
  • Phil Campbell
  • Piedmont
  • Pike Road
  • Pinckard
  • Pine Apple
  • Pine Hill
  • Pine Level
  • Pinson
  • Pisgah
  • Pittsview
  • Plantersville
  • Pleasant Grove
  • Point Clear
  • Prattville
  • Princeton
  • Quinton
  • Ragland
  • Rainbow City
  • Rainsville
  • Ralph
  • Ramer
  • Ranburne
  • Randolph
  • Range
  • Red Bay
  • Red Level
  • Reform
  • Remlap
  • Repton
  • River Falls
  • Riverside
  • Roanoke
  • Robertsdale
  • Rockford
  • Rogersville
  • Russellville
  • Rutledge
  • Ryland
  • Safford
  • Saginaw
  • Saint Elmo
  • Saint Stephens
  • Salem
  • Salitpa
  • Samantha
  • Samson
  • Saraland
  • Sardis
  • Satsuma
  • Sawyerville
  • Sayre
  • Scottsboro
  • Seale
  • Section
  • Selma
  • Seminole
  • Semmes
  • Shannon
  • Sheffield
  • Shelby
  • Shorter
  • Shorterville
  • Silas
  • Siluria
  • Silverhill
  • Sipsey
  • Skipperville
  • Slocomb
  • Smiths
  • Snow Hill
  • Somerville
  • Spanish Fort
  • Spring Garden
  • Springville
  • Sprott
  • Spruce Pine
  • Stanton
  • Stapleton
  • Steele
  • Sterrett
  • Stevenson
  • Stockton
  • Sulligent
  • Sumiton
  • Summerdale
  • Sunflower
  • Sweet Water
  • Sycamore
  • Sylacauga
  • Sylvania
  • Talladega
  • Tallassee
  • Tanner
  • Theodore
  • Thomaston
  • Thomasville
  • Thorsby
  • Tibbie
  • Titus
  • Toney
  • Town Creek
  • Townley
  • Toxey
  • Trafford
  • Trenton
  • Trinity
  • Troy
  • Trussville
  • Tuscaloosa
  • Tuscumbia
  • Tuskegee
  • Tuskegee Institute
  • Tyler
  • Union Grove
  • Union Springs
  • Uniontown
  • Uriah
  • Valhermoso Springs
  • Valley
  • Valley Head
  • Vance
  • Vandiver
  • Verbena
  • Vernon
  • Vina
  • Vincent
  • Vinegar Bend
  • Vinemont
  • Vredenburgh
  • Wadley
  • Wagarville
  • Walker Springs
  • Walnut Grove
  • Ward
  • Warrior
  • Waterloo
  • Watson
  • Wattsville
  • Waverly
  • Weaver
  • Webb
  • Wedowee
  • Wellington
  • Weogufka
  • West Blocton
  • West Greene
  • Westover
  • Wetumpka
  • Whatley
  • Wilmer
  • Wilsonville
  • Wilton
  • Winfield
  • Wing
  • Woodland
  • Woodstock
  • Woodville
  • York