Best Money Market Rates in Naples, Florida (FL) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Naples, Florida and the surrounding area money market deposit account rates include Climate First BankClimate First BankA+5.0 ★Texas Ratio: 0.00% Business Money Market at 4.26% APY, Total Direct BankTotal Direct BankA5.0 ★Texas Ratio: 6.04% Money Market Account at 4.01% APY, RadiFi Credit UnionRadiFi Credit UnionA+5.0 ★Texas Ratio: 1.96% Tidal Wave Money Market Account at 4.00% APY, Blue Coast Federal Credit UnionBlue Coast Federal Credit UnionA+5.0 ★Texas Ratio: 4.37% Business Money Market Account at 4.00% APY, and Dort Financial Credit UnionDort Financial Credit UnionA+5.0 ★Texas Ratio: 5.65% Public Funds Money Market at 4.00% APY. Money market rates as of May 5, 2026 according to verified data from MonitorBankRates.
Naples has 12 local institutions in our database, with money market rates as high as 4.00% APY from LMCU Lake Michigan Credit Union at 8635 Collier Blvd, Naples, FL 34114. 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 Naples, Florida and surrounding area. Last Updated and Verified: May 5, 2026
Compare the Best Money Market Rates Today in Naples, Florida & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
8635 Collier Blvd, Naples, FL 34114
Max Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000,000 +
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
560 9th Street South Suite 110, Naples, FL 34102
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
560 9th Street South Suite 110, Naples, FL 34102
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $25,000.00
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Premier Money Market
3.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3360 Pine Ridge Rd, Naples, FL 34109
Business Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
1185 Immokalee Rd, Naples, FL 34110
Business Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2092 9th St N, Naples, FL 34102
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
8635 Collier Blvd, Naples, FL 34114
Max Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$250,000 - $999,999
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3360 Pine Ridge Rd, Naples, FL 34109
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3360 Pine Ridge Rd, Naples, FL 34109
Business Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
8635 Collier Blvd, Naples, FL 34114
Max Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 - $249,999
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Business Insured Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
7465 Vanderbilt Beach Rd, Naples, FL 34119
High Yield Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Premier Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
4099 Tamiami Trl N Ste 100, Naples, FL 34103
Business Insured Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3360 Pine Ridge Rd, Naples, FL 34109
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
1.58%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
1185 Immokalee Rd, Naples, FL 34110
Business Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
1.09%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
1.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
1.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.86%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
1905 Pine Ridge Rd, Naples, FL 34109
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
1905 Pine Ridge Rd, Naples, FL 34109
TotalView Money Market Savings
0.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
1905 Pine Ridge Rd, Naples, FL 34109
TotalView Money Market Savings
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
560 9th Street South Suite 110, Naples, FL 34102
Citizens Private Client® Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
1905 Pine Ridge Rd, Naples, FL 34109
Money Market Savings
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
1905 Pine Ridge Rd, Naples, FL 34109
Money Market Savings
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.08%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1410 Pine Ridge Rd, Naples, FL 34108
Money Market Savings - Tier 2
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum to Open: $5000
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1410 Pine Ridge Rd, Naples, FL 34108
Money Market Savings - Tier 3
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum to Open: $5000
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2390 9th St N, Naples, FL 34103
Money Market
0.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
560 9th Street South Suite 110, Naples, FL 34102
Citizens Quest® Money Market
0.03%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
560 9th Street South Suite 110, Naples, FL 34102
Personal Money Market
0.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
4.26%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Terms Apply.
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—
UpdatedMay 4, 2026
Details
for balances $2,500 and over
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 26, 2026
Details
Minimum Balance to earn the 4.00% Annual Percentage Yield
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—
UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Tidal Wave Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
MONEY MARKET
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
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—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
No service charges or monthly fees.
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—
UpdatedMay 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—
UpdatedMay 2, 2026
Details
$15,000+
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market Products
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Tidal Wave Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Business Money Market Products
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Business Money Market Products
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Up to $2,499
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market - Personal & Business
3.25%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
3.20% on Balances ? $10,000. Then 0.25% on Portion of Balances > $10,000.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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—
UpdatedApr 18, 2026
Details
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—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$250,000 - $499,999
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market Products
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$250,000 - $499,999
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—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Enhanced Money Market Savings
3.20%
$10,000
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $10,000
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—
UpdatedMay 5, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Daily Money Market Account
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000+; Monthly Interest Compounded; 3 per month Transfer Limit; Monthly Interest Credited
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market Savings
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Tidal Wave Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
MORE Money Market Savings
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $50,000.00
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—
UpdatedApr 18, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
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—
UpdatedMay 4, 2026
Details
Qualifying balance up to $100,000.00
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 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market Savings
2.90%
$2,500
▼
Rate2.86%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Down Payment Savings Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market Savings
2.80%
$2,500
▼
Rate2.77%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Down Payment Savings Money Market
2.80%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.75%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 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—
UpdatedMay 5, 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—
UpdatedMay 4, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.71%
BayLive Money Market
2.59%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Qualifications Required
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Business Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
No Minimum Balance Required; $3.00 fee per withdrawal or debit transaction in excess of six (6) per month
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate2.17%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
Money Market Account
2.07%
$100
▼
Rate2.05%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market Accounts (Personal and Business)
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
Money Market Account
1.81%
$100
▼
Rate1.80%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
Money Market Account
1.71%
$100
▼
Rate1.70%
Min Deposit$100
Min Balance—
UpdatedMay 5, 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 Naples, 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.
Naples, FL Money Market Rate Trends
Compare local Naples, 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
3.569%
▲ 0.042 vs 7 days ago
Florida high-yield MMA rates rose 0.042 points over the past 7 days to 3.569% APY.
Standard MMA — FL Avg
0.559%
▼ 0.105 vs 7 days ago
Florida standard MMA rates fell 0.105 points over the past 7 days to 0.559% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Naples, 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 Naples, 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 Naples, Florida
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Florida.
Are Money Market accounts in Naples, 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 Naples, Florida?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Naples, Florida?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Naples, Florida require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Naples, Florida
Here are some of the highest money market account APYs currently available in Naples, Florida and the surrounding area:
- Climate First Bank
Business Money Market — 4.26% APY - Total Direct Bank
Money Market Account — 4.01% APY - RadiFi Credit Union
Tidal Wave Money Market Account — 4.00% APY - Blue Coast Federal Credit Union
Business Money Market Account — 4.00% APY - Dort Financial Credit Union
Public Funds Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Naples, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 5, 2026
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