Madeira Beach, Florida Money Market Rates - October 2026
Brian McKay
Brian McKay
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Madeira Beach, Florida money market account rates from banks and credit unions serving Florida range from 2.10% to 4.50% APY, verified by MonitorBankRates as of October 12, 2026. Current Madeira Beach, 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) Jumbo Money Market 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 12, 2026 according to verified data from MonitorBankRates.
Madeira Beach is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Florida area are available to Madeira Beach 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 Madeira Beach, Florida and surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Money Market Rates Today in Madeira Beach, Florida & the Surrounding Area
Balance: >$750,000
To qualify for the advertised APY, account holder must maintain their primary business checking relationship with Climate First Bank. Primary means the account is used for normal business operations, including receiving customer payments and paying payroll, vendors, and other operating expenses. If the Primary business checking relationship is not maintained, the account will earn 0.60% APY.
Balance: $500,000 - $749,999.99
Balances of $2,500 - $249,999.99; Balances of $250,000 or more. Rates subject to change without notice. For variable-rate accounts, the interest rate is subject to change after the account is opened. Fees may reduce account earnings. A valid email address and Online Banking enrollment are required to open and maintain an account. No transactions allowed by debit card or by check.
- Oct 2, 20264.17%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Ride the Wave to Savings - Earn up to 4.00% APY*
Balance: $50 to $2,500
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $10,000 or more
Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account.
Balance: $250,000 - $499,999.99
Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
Best for balances $50,000 or more!
Balance: $100,000.00 and above
Balance: $1,000,000 +
Balance: $25,000
- Sep 27, 20263.88%▲ from 3.64%
- Sep 19, 20263.64%first recorded
Save now
APY valid through 10/6/26 and guaranteed for 60 days (subject to change after the 60 days). Rate may vary. Fees could reduce earnings. Transaction Limits Apply. Money Market or Savings accounts are limited to six (6) transfers or withdrawals (or a combination of six (6) transfers and withdrawals) each monthly statement cycle (or each month if you have a quarterly statement cycle) to another of your account(s), or to third parties when these are made by means of pre-authorized, automatic transfer, telephone/PC transfer, check, draft, debit card, or similar order.
Balance: $25,000 - $99,999
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
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
Preferred rates; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
Balance: $1,000,000 - $9,999,999.99
Money Market Account, Higher Reward
National Average Yearly Fee Savings Interest Income Benefit $5,000
Balance: $100+; Must open an account by 10/09/2026, to get the promotional rate.
Promotional APY of 3.50% applies for the first six (6) months following account opening. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY, which may change at any time at the Bank's discretion. For Consumer Accounts Only. This promotional Money Market Account is available to new clients who have never held an account with BankUnited, N.A., or to existing clients who deposit new funds not currently on deposit with us. New funds are funds not currently on deposit with BankUnited and not transferred from another BankUnited account.
Balance: $100,000 - $249,999.99
Balance: $1,000,000+. The interest rate listed in each tier will be paid on the entire balance in your account. Rates are variable and based on your specific account tier and savings goals. Annual Percentage Yields (APYs) are accurate as of April 26, 2026.
Balance: $300,000 +
New money only; APY is variable and subject to change at the Credit Union's discretion after account opening.
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $300,000 and Over
Minimum: $2,500 minimum deposit; 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
Balance: $500,000 and over
Balance: $500,000 and up
Balance: $500,000.00 - $999,999.99
- Sep 18, 20263.49%▼ from 3.56%
- Sep 14, 20263.56%first recorded
Balance: $500,000.00 - $999,999.99
- Sep 18, 20263.49%▼ from 3.56%
- Sep 14, 20263.56%first recorded
Balance: $500,000.00 - or more
Balance: $25,000 - $49,999.99
Balance: below $100,000.00
Balance: $250,000.00 - $499,999.99
Balance: $1,000,000+
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $150,000.00 - $249,999.99
Balance: $250,000 and more
Balance: $100,000.00 - $149,999.99
Balance: $250,000+
Balance: $0 - $99,999.99
Balance: Up to $250,000
Balance: $0.01
Balance: $200,000 - $299,999; Deposit or withdraw as needed. No monthly service fee
Balance: $50,000.00 - $99,999.99
- Sep 29, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $500,000 to $999,999
Balance: $50,000-$99,999.99
As Low As; Amount Down: 50%; Model Year: 2026/2025 New
Minimum: $2,500 minimum deposit; Monthly dividend payments; Balance: $50,000 to $299,999
Balance: $10,000.01 to $100,000.00
- Oct 10, 20263.25%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $250,000 to $499,999
Balance: $250,000 - $999,999.99
Balance: $50,000 - $249,999.99
Balance: $200,000 and Higher
Balance: $750,000 - $999,999.99
Balance: $100,000+; Monthly Interest Credited
Annual Percentage Yield (APY) is effective as of October 6, 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.
Balance: $500,001-$1,000,000. The interest rate listed in each tier will be paid on the entire balance in your account. Rates are variable and based on your specific account tier and savings goals. Annual Percentage Yields (APYs) are accurate as of April 26, 2026.
Balance: $50,000.00 - $99,999.99
Balance: $100,000 - $199,999; Deposit or withdraw as needed. No monthly service fee
Balance: $500,000 and up
Balance: $250,000 & Up
Balance: $10,000.00 - $24,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
Balance: $0.01 to $10,000.00
- Oct 10, 20263.00%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $100,000 - $199,999
Balance: $1,000,000 & above
Balance: $250,001-$500,000. The interest rate listed in each tier will be paid on the entire balance in your account. Rates are variable and based on your specific account tier and savings goals. Annual Percentage Yields (APYs) are accurate as of April 26, 2026.
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: $500,001.00 and above; Monthly Service Fees: N/A
Balance: $150,001.00 and above
Balance: $150,001.00 and above
Balance: $500,000.00 - $999,999.99
APY is based on interest compounding on the daily ledger balance and paid to the account monthly. $100 minimum deposit to open. $2,500 minimum balance to avoid monthly maintenance fee of $15.
Balance: $25,000.00+
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.
Madeira Beach, FL Money Market Rate Trends
Compare local Madeira Beach, 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 rose 0.014 points over the past 7 days to 3.405% APY.
Florida standard MMA rates fell 0.051 points over the past 7 days to 0.603% APY.
Madeira Beach, 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 3.405% 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 Madeira Beach, Florida.
Money Market Account Earnings in Madeira Beach, 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 (3.405% APY) | Monthly Earnings | Standard MMA (0.603% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $340.46 / year | $28.37 | $60.33 / year | $5.03 |
| $25,000 | $851.15 / year | $70.93 | $150.83 / year | $12.57 |
| $50,000 | $1,702.30 / year | $141.86 | $301.65 / year | $25.14 |
| $100,000 | $3,404.60 / year | $283.72 | $603.30 / year | $50.28 |
| 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: Madeira Beach, Florida money market rate averages as of October 12, 2026. | ||||
Available in Madeira Beach, Florida Area
About Our Madeira Beach, Florida Money Market Rate Database
MonitorBankRates tracks money market rate offers from 66 banks and credit unions available to Madeira Beach, Florida residents via statewide and national offers. No branch locations physically in Madeira Beach are currently in our database, but all listed offers are open to Madeira Beach 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 Madeira Beach, Florida.
How to Find the Best Money Market Rates in Madeira Beach, Florida
What to compare when shopping for a money market account in Madeira Beach, Florida
To find the best money market APYs in Madeira Beach, Florida, start with credit unions and online-only banks: Madeira Beach, Florida has 40 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 3.405% 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. Madeira Beach, Florida high-yield money market rates currently average 3.405% 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 Madeira Beach, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 66 institutions in Madeira Beach, Florida report money market rates to our database.
- You’re among Madeira Beach, Florida’s 28.9% 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 Madeira Beach, Florida CD rates
- You don’t need check writing and want a lower minimum Madeira Beach, Florida savings rates
- You need daily transaction access Madeira Beach, Florida checking rates
Madeira Beach, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
28.9% 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 2.6% reflects a strong local economy with solid savings capacity. At today’s FL high-yield money market average of 3.405%, saving 10% of the local median salary ($3,728/year) would earn an additional $127 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Madeira Beach, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Madeira Beach, Florida.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 3.405% | View Savings Rates | 0.603%(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 Madeira Beach, Florida averages tracked in our database as of October 12, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Madeira Beach, 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 Madeira Beach, 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 Madeira Beach, 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 Madeira Beach, Florida earner is roughly $9,300. At 3.405% APY in a money market account, saving $780/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 3.405% 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 Madeira Beach, Florida earner makes $37,284/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.405% APY.
Retirement PlannerA $25,000 money market balance earning 3.405% APY grows to roughly $48,836 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 Madeira Beach, 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 Madeira Beach, 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 Madeira Beach, 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 Madeira Beach, Florida
What is a Money Market Account (MMA)?
Are Money Market accounts in Madeira Beach, Florida safe?
How often do MMA rates change in Madeira Beach, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Madeira Beach, 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 Madeira Beach, Florida for money market accounts?
Best Money Market Rates in Madeira Beach, 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
Jumbo Money Market: 4.00% APY - Everence Federal Credit Union
Indexed money market: 4.00% APY
Madeira Beach, Florida Rates & Resources
