Best Money Market Rates in Cottonwood, Alabama (AL) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Cottonwood, Alabama and the surrounding area money market rates include Max Credit UnionMax Credit UnionA+5.0 ★Texas Ratio: 3.24% Elevate Money Market Account - Reverse Money Market at 5.00% APY, Avadian Credit UnionAvadian Credit UnionA+5.0 ★Texas Ratio: 3.11% New Business Money Market at 3.65% APY, Local Bank Red Level, ALLocal Bank Red Level, ALA+5.0 ★Texas Ratio: 1.31% Money Market at 3.50% APY, AOD Federal Credit UnionAOD Federal Credit UnionA+5.0 ★Texas Ratio: 1.42% Money Market Account at 3.50% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 21.76% Money Market Plus Account at 3.25% APY. Money market rates as of April 13, 2026 according to verified data from MonitorBankRates.
Cottonwood has 1 local institution in our database, with money market rates as high as 1.76% APY from Five Star Credit Union at 12864 Cottonwood Rd, Cottonwood, AL 36320. Use the table below to compare all available offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Cottonwood, Alabama and surrounding area. Last Updated and Verified: April 13, 2026
Compare the Best Money Market Rates Today in Cottonwood, Alabama & the Surrounding Area
New Money
Qualifying balance up to $1,000.00
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.
$200,000.00 +
Variable: Prime-3.75%
($2,500 daily balance required)
$50,000 and up
Up To
Up To
Up To
($2,500 daily balance required); $250,000 to $499,999.99
$25,000.00 - $49,999.99
($2,500 daily balance required); $100,000 to $249,999.99
$500,000
$100,000.01 - $199,999.99
Over $100,000; Money Market Account3 ($1,000 Minimum)
Effective 4/1/2026
$250,000 - $499,999
100,000 for best yield
$10,000.00 - $24,999.99
Effective 4/1/2026
$100,000 - $249,999
Minimum Balance of $500
Qualifying balance up to $24,999.00
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.
Cottonwood, AL Money Market Rate Trends
Compare local Cottonwood, AL 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.
Alabama high-yield MMA rates rose 2.400 points over the past 7 days to 3.037% APY.
Alabama standard MMA rates fell 0.891 points over the past 7 days to 0.487% APY.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Cottonwood, 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 Cottonwood, 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 Cottonwood, Alabama
What is a Money Market Account (MMA)?
Are Money Market accounts in Cottonwood, Alabama safe?
How often do MMA rates change in Cottonwood, Alabama?
Can I write checks from a Money Market Account?
Best Money Market Rates in Cottonwood, 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 — 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
