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Florida MMA Rate Trends

Best Money Market Rates in Florida (FL) - March 2026

Content reviewed by
Brian McKay Brian McKay
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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: March 20, 2026

Current Florida money market rates include Climate First BankClimate First Bank182 37th Ave N, Saint Petersburg, FL 33704A+5.0 ★Texas Ratio: 0.00% Business Money Market at 4.51% APY, Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% Business Money Market at 4.50% 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 4.05% 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, 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.

To see how these money market rates in Florida compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Florida (FL) 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: March 20, 2026

Florida Money Market Rate Trends

Compare local Florida 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.

View Full Florida MMA Trends →
High-Yield MMA — FL Avg
1.885%
▲ 1.202 from last week

Florida high-yield MMA rates rose 1.202 points this week to 1.885% APY, up from 0.683% last week.

Standard MMA — FL Avg
1.040%
▲ 0.272 from last week

Florida standard MMA rates rose 0.272 points this week to 1.040% 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 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
4.51%
$50
View
▼
Rate4.41%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Account holder must maintain their primary business checking relationship with Climate First bank to open this account and qualify for the bonus money market rate. A monthly $10.00 paper statement fee will be assessed to receive a paper statement.

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
4.25%
$0
View
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
4.05%
$0
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,000,000 +

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—
UpdatedMar 15, 2026
Details

for balances $2,500 and over

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 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
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Impact Money Market
3.96%
$50,000
View
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
UpdatedMar 18, 2026
Details

E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee. New Money Only: defined as funds not previously held at Climate First Bank.

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
MONEY MARKET
3.93%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
Daily Balance Money Market Accounts
3.93%
$2,500
View
▼
Rate3.85%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 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
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Money Market (IRA)
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

New money only

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Money Market
3.75%
$0
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

New money only

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—
UpdatedMar 13, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Relationship Money Market Account
3.66%
$0
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

With Private Client Account****

Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Fed Funds Variable Money Market
3.64%
$25,000
View
▼
Rate3.64%
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Relationship Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

With Huntington Platinum Perks Checking***

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Relationship Money Market Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

With Huntington Perks Checking**

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
High-Yield Money Market Tiers
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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—
UpdatedMar 20, 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—
UpdatedMar 20, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
High-Yield Money Market Tiers*
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

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—
UpdatedMar 16, 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—
UpdatedMar 18, 2026
Details

$15,000+

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Relationship Money Market Account
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Non-Relationship Rate

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
Daily Balance Money Market Accounts
3.41%
$2,500
View
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
Premium Money Market Savings
3.40%
$0
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

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
3.30%
$10,000
View
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 15, 2026
Details

Minimum to open is $10,000

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—
UpdatedMar 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Business Money Market
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
Saver Money Market
3.25%
$250,000
View
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 17, 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—
UpdatedMar 17, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$250,000 - $999,999

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—
UpdatedMar 16, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Premier Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 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
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

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—
UpdatedMar 20, 2026
Details

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

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—
UpdatedMar 13, 2026
Details

Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
Saver Money Market
3.10%
$50,000
View
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 15, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
Premium Money Market Savings
3.05%
$0
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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—
UpdatedMar 20, 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—
UpdatedMar 20, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
Daily Balance Money Market Accounts
3.05%
$2,500
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

Sunstate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
14095 S Dixie Hwy, Miami, FL 33176
Advantage Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL 32507 8703
Daily Money Market Accounts
3.03%
$100,000
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details

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—
UpdatedMar 15, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★ Texas Ratio: 15.40%
9690 Nw 41 Street, Doral, FL 33178
Promotional Money Market Account
3.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details

Guaranteed for 3 months

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL 33140
Citizens Private Client® Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Get up to 3.00% APY with preferred rates or up to 0.15% APY with standard rates

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—
UpdatedMar 16, 2026
Details

Qualifying balance up to $50,000.00

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—
UpdatedMar 15, 2026
Details

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

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—
UpdatedMar 13, 2026
Details

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—
UpdatedMar 16, 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—
UpdatedMar 20, 2026
Details

$100,000 - $249,999

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 Account
3.00%
$50,000
View
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMar 16, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
Premium Money Market Savings
2.90%
$0
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

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—
UpdatedMar 13, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
Indexed Money Market Account
2.81%
$0
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL 33140
Citizens Quest® Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Get up to 2.75% Annual Percentage Yield (APY) with preferred rates or up to 0.03% APY with standard rates.

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—
UpdatedMar 13, 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—
UpdatedMar 20, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 20, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
Premium Money Market Savings
2.65%
$0
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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—
UpdatedMar 17, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
Indexed Money Market Account
2.59%
$0
View
▼
Rate2.56%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
Premier Money Market Plus - Achieva Checking with Direct Deposit
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
MVP Money Market Account (MVP MMA)
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
Business Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
InFocusPersonal Money Market
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL 33801
Business Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL 32408 7442
Money Market
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
Money Market Account
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
Premier Money Market Plus - Achieva Checking with Direct Deposit
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Business Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No Minimum Balance Required; $3.00 fee per withdrawal or debit transaction in excess of six (6) per month

BB Americas Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
1221 Brickell Ave, Miami, FL 33131
Money Market
2.35%
$0
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

BB Americas Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
1221 Brickell Ave, Miami, FL 33131
e-Money Market
2.35%
$0
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
MVP Money Market Account (MVP MMA)
2.35%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
InFocusPersonal Money Market
2.28%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Locality Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1400 S Andrews Ave, Fort Lauderdale, FL 33316
Commercial Money Market
2.20%
$100
View
▼
Rate2.17%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
MVP Money Market Account (MVP MMA)
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 18, 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—
UpdatedMar 18, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
MVP Money Market Account (MVP MMA)
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
InFocusPersonal Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

The Warrington Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
4093 Barrancas Ave, Pensacola, FL 32507
Money Market Deposit Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $2,500.00

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
Business Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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—
UpdatedMar 18, 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—
UpdatedMar 16, 2026
Details

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
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 20, 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—
UpdatedMar 18, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
InFocusPersonal Money Market
1.77%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

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
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 18, 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.

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market 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) 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 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.

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 — 4.51% APY
  • Community First Credit Union Of Florida
    Business Money Market — 4.50% APY
  • LMCU Lake Michigan Credit Union
    Max Money Market — 4.05% APY
  • Total Direct Bank
    Money Market Account — 4.01% 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: March 20, 2026

Florida Rates & Resources

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