Greenville, Florida Money Market Rates - October 2026
Brian McKay
Brian McKay
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Greenville, Florida money market account rates from banks and credit unions serving Florida range from 2.00% to 4.50% APY, verified by MonitorBankRates as of October 21, 2026. Current Greenville, Florida and the surrounding area money market deposit account rates include Community First Credit Union Of FloridaCommunity First Credit Union Of FloridaA+5.0 ★Texas Ratio: 3.41%Real return: +1.70%APY minus 2.8% CPI (February 2026) Business Money Market at 4.50% APY, Climate First BankClimate First BankA+5.0 ★Texas Ratio: 1.15%Real return: +1.46%APY minus 2.8% CPI (February 2026) Business Money Market at 4.26% APY, City National Bank of FloridaCity National Bank of FloridaA5.0 ★Texas Ratio: 7.12%Real return: +1.37%APY minus 2.8% CPI (February 2026) Online Money Market Deposit Account at 4.17% APY, RadiFi Credit UnionRadiFi Credit UnionA+5.0 ★Texas Ratio: 3.41%Real return: +1.20%APY minus 2.8% CPI (February 2026) Tidal Wave Money Market Account at 4.00% APY, and Everence Federal Credit UnionEverence Federal Credit UnionA+5.0 ★Texas Ratio: 4.82%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market at 4.00% APY. Money market rates as of October 21, 2026 according to verified data from MonitorBankRates.
Greenville is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Florida area are available to Greenville residents, with money market rates as high as 4.50% APY from Community First Credit Union Of Florida. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Greenville, Florida and surrounding area. Last Updated and Verified: October 21, 2026
Compare the Best Money Market Rates Today in Greenville, Florida & the Surrounding Area
Balance: >$750,000
Requires primary business checking relationship at Climate First Bank; APY current as of 4-9-26; interest compounded daily and credited monthly; no monthly service fee; no minimum balance requirement; paper statements $10.00 monthly fee
Balance: $500,000 - $749,999.99
Balance: $2,500 - $249,999.99; Online Only; Maximum balance $1,000,000; Interest rates and APYs accurate as of September 30, 2026
- Oct 2, 20264.17%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Balance: $1,000,000.00 and over; New money only
Balance: $50 to $2,500
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $10,000 or more
Balance: $250,000 - $499,999.99
Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000
Balance: $50,000 or more; Add funds whenever you want; Withdraw money whenever you need to, with no restrictions
Balance: $100,000.00 and above; APY accurate as of 10/19/2026; Below Minimum Balance Fee of $15.00 applies if average daily balance is below $5,000.00 (waivable with aggregate deposits of $5,000.00 or more); Closing Fee: $50.00 if closed within 6 months after opening
Balance: $1,000,000 and over; Rates as of 10/18/26
Variable rate account; Rates effective 12/13/2025
- Sep 27, 20263.88%▲ from 3.64%
- Sep 19, 20263.64%first recorded
mph.bank, a division of Liberty Savings Bank, F.S.B. via Raisin; no minimum balance or maintenance fees; APY accurate as of October 20, 2026; variable rate; New customer offer: up to $1,000 Welcome Bonus with code STACK (deposit $10,000+)
Promo code MM2026 required for new High-Yield Money Market account; requires at least $25,000 in new funds; Balance: $25,000+; Personal accounts only; Eligibility restricted to residents of Pennsylvania, Delaware or New Jersey; APY effective as of October 19, 2026
- Oct 14, 20263.75%▲ from 1.75%
- Sep 27, 20261.75%first recorded
Balance: $1,000,000+; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $25,000 - $99,999; Restrictions apply
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $100,000 - $249,999.99
Balance: $1,000,000.01 & over
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $1,000,000 and up
Special rate for new accounts opened today; interest rates and APYs are variable, based on account balances, and subject to change daily
Balance: $25,000 - $49,999; Preferred Rates require $25,000 not currently on deposit with Citizens; Rates accurate as of 10/19/2026
Balance: $1,000,000 - $9,999,999.99
Balance: $100+; Variable rate account; Promotional rate - must open an account by 10/09/2026; Domestic Personal Account customers only
Promotional APY guaranteed for 6 months; applies on all balances; For Consumer Accounts Only; available to new clients or existing clients depositing new funds; after the promotional period converts to the Bank's standard Money Market account at the then-current variable APY
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $500,000 - $1,000,000; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $500,000.00 and over; New money only
Balance: $300,000 and over; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $500,000 & up; Tiered rates that reward higher balances
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $300,000 and Over; Monthly dividend payments
Balance: $500,000 and Over; Monthly dividend payments
Balance: $100,000.01 to $250,000.00
- Oct 10, 20263.50%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Rate Type: Variable
Balance: $500,000 and up
$500,000.00 - $999,999.99; Balance: $500,000.00 - $999,999.99; Prospective Dividend Rate
Balance: $25,000 to $49,999.99; New clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
Balance: below $100,000.00; APY accurate as of 10/19/2026; Below Minimum Balance Fee of $15.00 applies if average daily balance is below $5,000.00 (waivable with aggregate deposits of $5,000.00 or more); Closing Fee: $50.00 if closed within 6 months after opening
Balance: $1,000,000 and over; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington
Balance: $250,000 and more; APR column shown as rate
Balance: $250,000+
Balance: $0 - $99,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: Up to $250,000; Variable rate account; Rates effective 12/13/2025
SMB Money Market; Daily minimum balance to earn APY: $0.01; Variable rate account; Rates effective 12/2/2024
Balance: $0.01; Variable rate account; Rates effective 12/13/2025
Balance: $200,000 - $299,999; No monthly service fee
Balance: $200,000 - $299,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Qualifying balance up to $10,000.00
Balance: $500,000 to $999,999
Balance: $50,000-$99,999.99
Balance: $50,000 - $299,999; Monthly dividend payments
Balance: $10,000.01 to $100,000.00
- Oct 10, 20263.25%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $250,000 to $499,999
Balance: $250,000 - $999,999.99; Rates as of 10/18/26
Balance: $50,000 - $249,999.99
Minimum: Personal: $1,000 | Business: $5,000; Balance: $200,000 and Higher
Balance: $750,000 - $999,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $100,000 and over; Monthly Interest Compounded; 3 per month transfer limit; Monthly Interest Credited; Effective Date: April 1, 2026
Balance: $250,000 - $500,000; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $250,000.00 and over; New money only
Balance: $50,000.00 - $99,999.99; Dividend Frequency: Monthly
Balance: $100,000 - $199,999; No monthly service fee
Balance: $100,000 - $199,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed
Balance: $500,000 and up
Balance: $250,000 & Up
Balance: $10,000.00 - $24,999.99
Balance: $0.01 to $10,000.00
- Oct 10, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Rate Type: Variable; Higher APY on Balances Up to $24,999
Rate Type: Variable
$250,000.00 - $499,999.99; Balance: $250,000.00 - $499,999.99; Prospective Dividend Rate
Balance: $500,000 - $749,999.99; Minimum balance required to earn stated rate is $20,000; Rate may change after account is opened
Balance: $100,000 - $249,999.99; Rates as of 10/18/26
Balance: $25,000.00 - $2,000,000.99; Huntington Relationship Money Market Account; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate; minimum $25,000 new money to open
Minimum: Personal: $1,000 | Business: $5,000; Balance: $100,000 - $199,999
Balance: $1,000,000 & above; No minimum deposit to open; maintenance fee of $25 if balance below $2,500
Balance: $500,000 & above; Keep a daily balance of $2,500 to waive the $10 monthly account balance maintenance fee
Balance: $100,000 - $250,000; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $1,000,000.00 and above
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $500,001.00 and above
Balance: $150,001.00 and above; Minimum $1,000 to open a Relationship Money Market account. A service fee of $15 per month if the balance falls below $1,000.
Balance: $250,000 - $499,999.99; Keep a daily balance of $2,500 to waive the $10 monthly account balance maintenance fee
Balance: $500,000.00 - $999,999.99
As Low As; $2,500 minimum balance to avoid monthly maintenance fee of $15; APY is based on daily ledger balance compounding, paid monthly
Balance: $25,000.00 and over
Balance: $50,000 - $100,000; Tiered rate, variable; minimum $2,500.00 new money to open
Balance: $1,000,000.01 and over
Balance: $250,000 - $999,999.99; No minimum deposit to open; maintenance fee of $25 if balance below $2,500
Balance: $100,000 - $249,999.99; Keep a daily balance of $2,500 to waive the $10 monthly account balance maintenance fee
balance over $2,500.00; Balance: over $2,500.00
Balance: $100,000.00 - $499,999.99
Balance: $0.00 - $24,999.99
Balance: $2,500.00 and over; Minimum deposit of $2,500 to open Money Market Account; Transfers limited to six per month; $5.00 service charge if average daily balance falls below $500.00
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.
Greenville, FL Money Market Rate Trends
Compare local Greenville, FL 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.
Florida high-yield MMA rates fell 0.011 points over the past 7 days to 3.399% APY.
Florida standard MMA rates fell 0.024 points over the past 7 days to 0.569% APY.
Greenville, Florida Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current FL high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current FL high-yield money market average of 3.399% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Greenville, Florida.
Money Market Account Earnings in Greenville, Florida
Annual interest earnings at current FL average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.399% APY) | Monthly Earnings | Standard MMA (0.569% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $339.89 / year | $28.32 | $56.88 / year | $4.74 |
| $25,000 | $849.72 / year | $70.81 | $142.20 / year | $11.85 |
| $50,000 | $1,699.45 / year | $141.62 | $284.40 / year | $23.70 |
| $100,000 | $3,398.90 / year | $283.24 | $568.80 / year | $47.40 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Greenville, Florida money market rate averages as of October 21, 2026. | ||||
Available in Greenville, Florida Area
About Our Greenville, Florida Money Market Rate Database
MonitorBankRates tracks money market rate offers from 65 banks and credit unions available to Greenville, Florida residents via statewide and national offers. No branch locations physically in Greenville are currently in our database, but all listed offers are open to Greenville depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Community First Credit Union Of Florida offers a money market account at 4.50% APY. Use the rate table above to compare all current offers in Greenville, Florida.
How to Find the Best Money Market Rates in Greenville, Florida
What to compare when shopping for a money market account in Greenville, Florida
To find the best money market APYs in Greenville, Florida, start with credit unions and online-only banks: Greenville, Florida has 39 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current FL high-yield money market average is 3.399% but top local institutions are offering as high as 4.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Greenville, Florida high-yield money market rates currently average 3.399% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Greenville, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 65 institutions in Greenville, Florida report money market rates to our database.
- You’re among Greenville, Florida’s 20.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Greenville, Florida CD rates
- You don’t need check writing and want a lower minimum Greenville, Florida savings rates
- You need daily transaction access Greenville, Florida checking rates
Greenville, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
20.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; a low unemployment rate of 0.9% reflects a strong local economy with solid savings capacity. At today’s FL high-yield money market average of 3.399%, saving 10% of the local median salary ($3,201/year) would earn an additional $109 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Greenville, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Greenville, Florida.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 3.399% | View Savings Rates | 0.569%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Greenville, Florida averages tracked in our database as of October 21, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Greenville, Florida Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Greenville, Florida rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Greenville, Florida
At FL’s top money market rate of 4.50% from Community First Credit Union Of Florida, a $10,000 deposit earns $450 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Greenville, Florida earner is roughly $8,000. At 3.399% APY in a money market account, saving $670/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountFlorida’s high-yield money market average is 3.399% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Greenville, Florida earner makes $32,019/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.399% APY.
Retirement PlannerA $25,000 money market balance earning 3.399% APY grows to roughly $48,782 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Greenville, Florida money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Greenville, 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 Greenville, 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 Greenville, Florida
What is a Money Market Account (MMA)?
Are Money Market accounts in Greenville, Florida safe?
How often do MMA rates change in Greenville, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Greenville, Florida?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Greenville, Florida for money market accounts?
Best Money Market Rates in Greenville, Florida
- Community First Credit Union Of Florida
Business Money Market: 4.50% APY - Climate First Bank
Business Money Market: 4.26% APY - City National Bank of Florida
Online Money Market Deposit Account: 4.17% APY - RadiFi Credit Union
Tidal Wave Money Market Account: 4.00% APY - Everence Federal Credit Union
Indexed money market: 4.00% APY
Greenville, Florida Rates & Resources
