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Best Money Market Rates in Florida (FL) - 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 4, 2026

Current Florida money market deposit account rates include Climate First BankClimate First Bank182 37th Ave N, Saint Petersburg, FL 33704A+5.0 ★Texas Ratio: 0.00% Business Money Market at 4.26% APY, Total Direct BankTotal Direct Bank1995 E Hallandale Beach Blvd, Hallandale, FL 33009A5.0 ★Texas Ratio: 6.04% Money Market Account at 4.01% APY, RadiFi Credit UnionRadiFi Credit Union562 Park St, Jacksonville, FL 32204 2918A+5.0 ★Texas Ratio: 1.96% Tidal Wave Money Market Account at 4.00% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union24201 Walden Center Dr, Estero, FL 34134A+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.00% APY, and Dort Financial Credit UnionDort Financial Credit Union5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901A+5.0 ★Texas Ratio: 5.65% Public Funds Money Market at 4.00% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare money market rates across Florida side-by-side. Florida money market rates currently reach as high as 4.26% APY from Climate First Bank at 182 37th Ave N, Saint Petersburg, FL 33704. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Florida and surrounding area. Last Updated and Verified: May 4, 2026

Compare the Best Money Market Rates Today in Florida

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Business Money Market
4.26%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Terms Apply.

Total Direct Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
Money Market Account
4.01%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

for balances $2,500 and over

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
Tidal Wave Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Public Funds Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL 32348 5614
Business Money Market Account
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details

Minimum Balance to earn the 4.00% Annual Percentage Yield

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
Max Money Market
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$1,000,000 +

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Huntington Relationship Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
MONEY MARKET
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL 33140
Citizens Quest® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL 33140
Citizens Private Client® Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Public Funds Money Market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Premier Money Market
3.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$500,000 & up

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
Tidal Wave Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$15,000+

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Platinum Money Market
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Business Money Market Products
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$500,000 & up

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Money Market Products
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$500,000 & up

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
Newtek Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
Business Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
Business Money Market Account
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No service charges or monthly fees.

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
401 E Jackson St, Tampa, FL 33602
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
SMB Money Market
3.25%
$1,000
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Public Funds Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Money Market Products
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$250,000 - $499,999

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Business Money Market Products
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Up to $2,499

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
Max Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$250,000 - $999,999

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Premier Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
Money Market - Personal & Business
3.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details

3.20% on Balances ? $10,000. Then 0.25% on Portion of Balances > $10,000.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Axiom® Select Money Market
3.25%
$1,000
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 3, 2026
Details

Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3400 N University Dr, Hollywood, FL 33024 2242
Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$250,000 - $499,999

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Enhanced Money Market Savings
3.20%
$10,000
View
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details

Minimum to open is $10,000

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Premier Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Money Market Accounts (Personal and Business)
3.05%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL 32507 8703
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

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market
3.00%
$500,000
View
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Down Payment Savings Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market (Personal)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Business Insured Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
Max Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

$100,000 - $249,999

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
Money Market
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
6536 E Hillsborough Ave, Tampa, FL 33610
High Yield Money Market Account
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $24,999.00; High yield checking required

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Money Market Savings
3.00%
$2,500
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details

Minimum to open is $2,500

Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
2226 S Congress Ave, Palm Springs, FL 33406 7606
MORE Money Market Savings
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $50,000.00

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
High-Yield Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $100,000.00

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
Tidal Wave Money Market Account
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Down Payment Savings Money Market
2.90%
$0
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Money Market Savings
2.90%
$2,500
View
▼
Rate2.86%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details

Minimum to open is $2,500

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Premier Money Market
2.85%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Money Market Savings
2.80%
$2,500
View
▼
Rate2.77%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details

Minimum to open is $2,500

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Down Payment Savings Money Market
2.80%
$0
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Business Insured Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market (Personal)
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market
2.75%
$250,000
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Money Market Accounts (Personal and Business)
2.66%
$0
View
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
Growth Plus Money Market
2.63%
$0
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
BayLive Money Market
2.59%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

Qualifications Required

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market
2.50%
$100,000
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Signature Money Market (Personal)
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Business Insured Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Locality Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1400 S Andrews Ave, Fort Lauderdale, FL 33316
Money Market
2.20%
$0
View
▼
Rate2.17%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL 33401
Connect Money Market
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
Money Market Account
2.07%
$100
View
▼
Rate2.05%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL 33401
Connect Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bank of Pensacola
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
500 S Palafox St, Pensacola, FL 32502
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Money Market Accounts (Personal and Business)
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
Money Market Account
1.81%
$100
View
▼
Rate1.80%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
Money Market Account
1.71%
$100
View
▼
Rate1.70%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

COMPASS FINANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9960 NW 116th Way Ste 5, Medley, FL 33178 1174
Business Account Money Markets
1.65%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
Money Market
1.58%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
Money Market Account
1.51%
$100
View
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedMay 3, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 6
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 5
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

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 Florida 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.

Florida Money Market Rate Trends

Compare local Florida 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 Florida MMA Trends →
High-Yield MMA — FL Avg
3.569%
▲ 0.042 vs 7 days ago

Florida high-yield MMA rates rose 0.042 points over the past 7 days to 3.569% APY.

Standard MMA — FL Avg
0.559%
▼ 0.105 vs 7 days ago

Florida standard MMA rates fell 0.105 points over the past 7 days to 0.559% 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 Florida 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 Florida. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in FL.

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 Florida

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 Florida.

Are Money Market accounts in Florida 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 Florida up to $250,000 per depositor, per institution.

How often do MMA rates change in Florida?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida 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 Florida?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Florida 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 Florida

Here are some of the highest money market account APYs currently available in Florida:
  • Climate First Bank
    Business Money Market — 4.26% APY
  • Total Direct Bank
    Money Market Account — 4.01% APY
  • RadiFi Credit Union
    Tidal Wave Money Market Account — 4.00% APY
  • LMCU Lake Michigan Credit Union
    Max Money Market — 4.00% APY
  • Dort Financial Credit Union
    Public Funds Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026

Florida Rates & Resources

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