Best Money Market Rates in Largo, Florida (FL) - April 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 Largo, Florida and the surrounding area money market rates include Climate First BankClimate First BankA+5.0 ★Texas Ratio: 0.00% Business Money Market at 4.51% APY, Community First Credit Union Of FloridaCommunity First Credit Union Of FloridaA+5.0 ★Texas Ratio: 4.11% Business Money Market at 4.50% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit UnionA+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.05% APY, Total Direct BankTotal Direct BankA5.0 ★Texas Ratio: 6.04% Money Market Account at 4.01% APY, and Blue Coast Federal Credit UnionBlue Coast Federal Credit UnionA+5.0 ★Texas Ratio: 4.37% Business Money Market Account at 4.00% APY. Money market rates as of April 4, 2026 according to verified data from MonitorBankRates.
Largo has 5 local institutions in our database, with money market rates as high as 3.50% APY from Midflorida Credit Union at 13075 Walsingham Rd, Largo, FL 33774 3514. Use the table below to compare all available offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Largo, Florida and surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Money Market Rates Today in Largo, Florida & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
13075 Walsingham Rd, Largo, FL 33774 3514
Business Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
13075 Walsingham Rd, Largo, FL 33774 3514
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
13075 Walsingham Rd, Largo, FL 33774 3514
Business Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
12580 Seminole Blvd, Largo, FL 33778
Indexed Money Market Account
2.81%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
13075 Walsingham Rd, Largo, FL 33774 3514
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
1125 East Bay Dr, Largo, FL 33770
Premium Money Market
1.11%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
A boosted rate for eligible Valley checking customers; No maintenance charge for average daily balances of $10,000 or more
ValleyDirect
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
1125 East Bay Dr, Largo, FL 33770
Tiered Money Market Savings
0.10%
$2,000
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 29, 2026
Details
No maintenance charge for average daily balances of $10,000 or more
ValleyDirect
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
1125 East Bay Dr, Largo, FL 33770
Money Market Savings
0.05%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
12933 Walsingham Rd, Largo, FL 33774
Money Market Account
0.05%
$300
▼
Rate—
Min Deposit$300
Min Balance—
UpdatedApr 3, 2026
Details
An interest-bearing savings account with a minimum balance required to avoid a monthly fee.
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
4.51%
$50
▼
Rate4.41%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required: 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%
Business Money Market
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.05%
$0
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$1,000,000 +
Total Direct Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
Money Market Account
4.01%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $2,500.00
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Business Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Impact Money Market
3.96%
$50,000
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 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.
Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
Fed Funds Variable Money Market
3.87%
$25,000
▼
Rate3.87%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Daily Balance Money Market Accounts
3.82%
$2,500
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
MONEY MARKET
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Indexed money market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
New money only
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $25,000.00
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
With Private Client Account****
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
With Huntington Platinum Perks Checking***
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
With Huntington Perks Checking**
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$15,000+
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers*
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Relationship Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Non-Relationship Rate
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$1,000,000
▼
Rate3.36%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Enhanced Money Market Savings
3.30%
$10,000
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$250,000 - $999,999
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market - Personal & Business
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $10,000.00
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Daily Balance Money Market Accounts
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
Popular Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Saver Money Market
3.25%
$250,000
▼
Rate3.20%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
Axiom® Select Money Market
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Down Payment Savings Money Market
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market Savings
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market million
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market Accounts (Personal and Business)
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$750,000
▼
Rate3.02%
Min Deposit$750,000
Min Balance—
UpdatedMar 27, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Daily Money Market Accounts
3.03%
$100,000
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★ Texas Ratio: 15.40%
Promotional Money Market Account
3.00%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Guaranteed for 3 months
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Down Payment Savings Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
MORE Money Market Savings Account
3.00%
$50,000
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Money Market
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
High Yield Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 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%
Money Market Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Insured Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
$100,000 - $249,999
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
High-Yield Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Annual Percentage Yield (APY) is effective as of March 29, 2026 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 - $9,999.99 = 0.03%, $10,000 - $24,999.99 = 1.50%, $25,000 - $49,999.99 = 1.75%, $50,000 - $99,999.99 = 2.00% and $100,000+ = 3.00%. Fees assessed to accounts may reduce earnings. Personal Accounts only.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.90%
$500,000
▼
Rate2.87%
Min Deposit$500,000
Min Balance—
UpdatedMar 27, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Down Payment Savings Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Daily Balance Money Market Accounts
2.89%
$2,500
▼
Rate2.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 3, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Insured Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market Accounts (Personal and Business)
2.66%
$0
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.65%
$250,000
▼
Rate2.62%
Min Deposit$250,000
Min Balance—
UpdatedMar 27, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Growth Plus Money Market
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
MVP Money Market Account (MVP MMA)
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
InFocusPersonal Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 Largo, 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.
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.
Largo, FL Money Market Rate Trends
Compare local Largo, 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.
High-Yield MMA — FL Avg
0.458%
▼ 1.449 vs 7 days ago
Florida high-yield MMA rates fell 1.449 points over the past 7 days to 0.458% APY.
Standard MMA — FL Avg
0.954%
▼ 0.137 vs 7 days ago
Florida standard MMA rates fell 0.137 points over the past 7 days to 0.954% APY.
As of Apr 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 account rates for Largo, 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 Largo, 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 Largo, 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 Largo, 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 Largo, 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 Largo, Florida
Here are some of the highest money market account APYs currently available in Largo, Florida and the surrounding area:
- 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 - Blue Coast Federal Credit Union
Business Money Market Account — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Largo, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
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