Best Money Market Rates in Alabama (AL) - March 2026
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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.
Current Alabama money market rates include 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, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Cottonvalley Dr NW, Huntsville, AL 35810 6045B4.4 ★Texas Ratio: 21.76% Money Market Plus Account at 3.25% APY, and Keesler Federal Credit UnionKeesler Federal Credit Union2540 Old Shell Rd Ste A, Mobile, AL 36607 3033A+5.0 ★Texas Ratio: 4.31% HIMMA Premier High Interest Money Market Account at 3.25% APY.
To see how these money market rates in Alabama compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Alabama (AL) 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: March 20, 2026
Alabama Money Market Rate Trends
Compare local Alabama MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — AL Avg
1.248%
▲ 0.565 from last week
Alabama high-yield MMA rates rose 0.565 points this week to 1.248% APY, up from 0.683% last week.
Standard MMA — AL Avg
1.250%
▲ 0.482 from last week
Alabama standard MMA rates rose 0.482 points this week to 1.250% APY, up from 0.768% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Money Market Rates Today in Alabama
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Annual Percentage Yield (APY) accurate as of 1/1/26. Rates may change at any time. Fees may reduce earnings. Member FDIC.
Local Bank Red Level, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
205 Mcfarland Cir N, Tuscaloosa, AL 35406
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL 35401
Daily Money Market Accounts
3.03%
$100,000
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 11, 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
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
($2,500 daily balance required)
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Prime Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Variable: Prime-3.75%
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
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
Consumer Fed Funds Money Market
2.95%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL 35904 1935
Money Market Special
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Earn 2.75% APY* when you deposit $100,000 or more in your money market account.
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Up To
MCINTOSH CHEMICAL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
7895 Highway 43, Mc Intosh, AL 36553 6613
Money Market
2.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
($2,500 daily balance required); $250,000 to $499,999.99
Alabama One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
IRA Money Market (Traditional & Roth)
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Alabama One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842
Money Market Accounts2
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
Money Market Plus
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
($2,500 daily balance required); $100,000 to $249,999.99
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
Money Market Plus
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL 35661 1285
Money Market Account
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Effective 3/1/2026
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL 36502 2447
Money Market Account
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 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
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Money Market Share Account
2.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Jefferson Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL 35203
Prosperity Money Market Account
2.00%
$2,500
▼
Rate1.98%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
100,000 for best yield
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL 35661 1285
Money Market Account
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Effective 3/1/2026
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
Money Market
1.91%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Money Market accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
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
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL 36350
Money Market Plus
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL 35893
Money Market Share Account
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 11, 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
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Minimum Balance of $500
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
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL 35044 3016
Money Market Share Account
1.75%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 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
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
Consumer Fed Funds Money Market
1.47%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
AmeriFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2151 Ringold St, Flomaton, AL 36441
Premium Money Market Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
4643 Highway 280, Alexander City, AL 35010
Premium Money Market
1.11%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details
A boosted rate for eligible Valley checking customers; No maintenance charge for average daily balances of $10,000 or more
AmeriFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2151 Ringold St, Flomaton, AL 36441
Premium Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 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
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 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
1.00%
$1,000
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
The account pays 1.00% up to $24,999 and the account pays 40% of fed funds for balances over $25,000.
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
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $24,999.00
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
Money Market Tiered
0.75%
$2,500
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
2340 Woodcrest Pl, Birmingham, AL 35209
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
AmeriFirst Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2151 Ringold St, Flomaton, AL 36441
Premium Money Market Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
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MonitorBankRates
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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market 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) is a type of savings 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.
Best Money Market Rates in Alabama
Here are some of the highest money market account APYs currently available in Alabama:
- 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 - UNIFY Financial Federal Credit Union
Money Market Plus Account — 3.25% APY - Keesler Federal Credit Union
HIMMA Premier High Interest Money Market Account — 3.25% 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: March 20, 2026
Cities in Alabama
