North Port, Florida Money Market Rates - October 2026
Brian McKay
Brian McKay
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North Port, Florida money market account rates range from 0.30% to 4.50% APY, verified by MonitorBankRates as of October 22, 2026. Current North Port, Florida and the surrounding area money market deposit account rates include Suncoast Credit UnionSuncoast Credit Union4451 Aidan Ln, North Port, FL 34287 4934A5.0 ★Texas Ratio: 6.26%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Account at 3.50% APY, Achieva Credit UnionAchieva Credit Union2467 Sycamore St, North Port, FL 34289A+5.0 ★Texas Ratio: 2.57%Real return: +0.01%APY minus 2.8% CPI (February 2026) Indexed Money Market Account at 2.81% APY, SUMA Federal Credit UnionSUMA Federal Credit Union5400 S Biscayne Dr Ste A, North Port, FL 34287 1932A5.0 ★Texas Ratio: 12.06%Real return: -0.11%APY minus 2.8% CPI (February 2026) Money Market at 2.69% APY, 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, and 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. Money market rates as of October 22, 2026 according to verified data from MonitorBankRates.
North Port has 3 local institutions in our database, with money market rates as high as 3.50% APY from Suncoast Credit Union at 4451 Aidan Ln, North Port, FL 34287 4934. Use the table below to compare all available offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in North Port, Florida and surrounding area. Last Updated and Verified: October 22, 2026
Compare the Best Money Market Rates Today in North Port, Florida & the Surrounding Area
Rate Type: Variable
Rate Type: Variable; Higher APY on Balances Up to $24,999
Rate Type: Variable
Balance: $250,000 minimum to earn dividends; Eligibility requirements apply
Balance: $250,000 & Up
- Oct 15, 20262.69%▲ from 2.28%
- Oct 5, 20262.28%▼ from 2.69%
- Sep 18, 20262.69%▲ from 2.18%
- Sep 14, 20262.18%first recorded
Balance: $100,000 minimum to earn dividends; Eligibility requirements apply
Balance: $1,000,000 plus; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Balance: $500,000 - $999,999.99; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Rate Type: Variable
Balance: $250,000 - $499,999.99; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Balance: $1,000,000 minimum to earn dividends
Balance: $150,000 - $249,999.99; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Balance: $50,000 - $149,999.99; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Balance: $2,000 - $49,999.99; Premier MMA Premium; Bump-up rate for eligible checking account holders with recurring direct deposits; requires at least $500 in qualified deposits each calendar month
Balance: $100,000 - $249,999
- Sep 18, 20262.28%▲ from 2.18%
- Sep 14, 20262.18%first recorded
Balance: $10,000 minimum to earn dividends; Eligibility requirements apply
Balance: $500,000 minimum to earn dividends
Balance: Up to $99,999
- Sep 18, 20261.77%▲ from 1.67%
- Sep 14, 20261.67%first recorded
Member of 25+ years; Balance: $250,000 minimum to earn dividends
Balance: $250,000 minimum to earn dividends
Member of 15-24 years; Balance: $250,000 and over
Rate Type: Variable
Balance: $1,000,000 and over
- Oct 19, 20261.55%▼ from 2.55%
- Oct 9, 20262.55%▲ from 1.55%
- Sep 18, 20261.55%first recorded
Balance: $500,000 - $999,999.99
- Oct 19, 20261.50%▼ from 2.50%
- Oct 9, 20262.50%▲ from 1.50%
- Sep 18, 20261.50%first recorded
Rate Type: Variable
Balance: $250,000 - $499,999.99
- Oct 19, 20261.45%▼ from 2.45%
- Oct 9, 20262.45%▲ from 1.45%
- Sep 18, 20261.45%first recorded
Member of 5-14 years; Balance: $250,000 minimum to earn dividends
Balance: $150,000 - $249,999.99
- Oct 19, 20261.40%▼ from 2.40%
- Oct 9, 20262.40%▲ from 1.40%
- Sep 18, 20261.40%first recorded
Rate Type: Variable
Balance: $50,000 - $149,999.99
- Oct 19, 20261.35%▼ from 2.35%
- Oct 9, 20262.35%▲ from 1.35%
- Sep 18, 20261.35%first recorded
Balance: $2,000 - $49,999.99
- Oct 19, 20261.30%▼ from 2.30%
- Oct 9, 20262.30%▲ from 1.30%
- Sep 18, 20261.30%first recorded
Member of 5-14 years; Balance: $150,000 minimum to earn dividends
Balance: $150,000 minimum to earn dividends
Rate Type: Variable
Member of 25+ years; Balance: $75,000 minimum to earn dividends
Member of 25+ years; Balance: $25,000 minimum to earn dividends
Member of 15-24 years; Balance: $75,000 and over
Member of 5-14 years; Balance: $75,000 minimum to earn dividends
Member of 5-14 years; Balance: $25,000 minimum to earn dividends
Balance: $50,000 minimum to earn dividends
Balance: $5,000 minimum to earn dividends
Balance: $1,000,000 minimum to earn dividends
Balance: $500,000 minimum to earn dividends
Balance: $250,000 minimum to earn dividends
Balance: $150,000 minimum to earn dividends
Balance: $50,000 minimum to earn dividends
Balance: $2,000 minimum to earn dividends
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: $50,000 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
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
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: $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: $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+
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: $50,000 - $249,999.99
Manager: DREYFUS; 7-Day Yield; CUSIP: 370375206; Ticker: GMBXX
Minimum: Personal: $1,000 | Business: $5,000; Balance: $200,000 and Higher
Balance: $10,000 - $249,999.99
Balance: $250,000 - $500,000; Tiered rate, variable; minimum $2,500.00 new money to open
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; Minimum balance to earn interest: $1,000,000.00; Interest is compounded daily and credited monthly
Balance: $5,000 to $99,999.99; Must have an existing United Fidelity Bank Certificate of Deposit open for a minimum of 60 days; APR listed as printed on page; APY current as of 9/22/2026
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 to $999,999.99; Minimum balance to earn interest: $500,000.00; Interest is compounded daily and credited monthly
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.
North Port, FL Money Market Rate Trends
Compare local North Port, 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 0.009 points over the past 7 days to 3.398% APY.
Florida standard MMA rates fell 0.007 points over the past 7 days to 0.577% APY.
North Port, 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 3.398% 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 North Port, Florida.
Money Market Account Earnings in North Port, 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 (3.398% APY) | Monthly Earnings | Standard MMA (0.577% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $339.82 / year | $28.32 | $57.70 / year | $4.81 |
| $25,000 | $849.55 / year | $70.80 | $144.25 / year | $12.02 |
| $50,000 | $1,699.10 / year | $141.59 | $288.50 / year | $24.04 |
| $100,000 | $3,398.20 / year | $283.18 | $577.00 / year | $48.08 |
| 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: North Port, Florida money market rate averages as of October 22, 2026. | ||||
About Our North Port, Florida Money Market Rate Database
MonitorBankRates found 3 institutions with branches in North Port, plus 50 additional state-chartered and national online institutions available to North Port residents. 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: Suncoast Credit Union offers a money market account at 3.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in North Port, Florida.
How to Find the Best Money Market Rates in North Port, Florida
What to compare when shopping for a money market account in North Port, Florida
To find the best money market APYs in North Port, Florida, start with credit unions and online-only banks: North Port, Florida has 29 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 3.398% but top local institutions are offering as high as 3.50%, 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. North Port, Florida high-yield money market rates currently average 3.398% 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 North Port, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 53 institutions in North Port, Florida report money market rates to our database.
- You’re among North Port, Florida’s 27.7% 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 North Port, Florida CD rates
- You don’t need check writing and want a lower minimum North Port, Florida savings rates
- You need daily transaction access North Port, Florida checking rates
North Port, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
27.7% 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. At today’s FL high-yield money market average of 3.398%, saving 10% of the local median salary ($4,236/year) would earn an additional $144 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other North Port, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in North Port, Florida.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 3.398% | View Savings Rates | 0.577%(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 North Port, Florida averages tracked in our database as of October 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
North Port, 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 North Port, 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 North Port, Florida
At FL’s top money market rate of 3.50% from Suncoast Credit Union, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median North Port, Florida earner is roughly $10,600. At 3.398% APY in a money market account, saving $880/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 3.398% 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 North Port, Florida earner makes $42,366/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.398% APY.
Retirement PlannerA $25,000 money market balance earning 3.398% APY grows to roughly $48,775 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 North Port, 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 North Port, 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 North Port, 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 North Port, Florida
What is a Money Market Account (MMA)?
Are Money Market accounts in North Port, Florida safe?
How often do MMA rates change in North Port, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in North Port, 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 North Port, Florida for money market accounts?
Best Money Market Rates in North Port, Florida
- Suncoast Credit Union
Money Market Account: 3.50% APY - Achieva Credit Union
Indexed Money Market Account: 2.81% APY - SUMA Federal Credit Union
Money Market: 2.69% APY - Community First Credit Union Of Florida
Business Money Market: 4.50% APY - Climate First Bank
Business Money Market: 4.26% APY
North Port, Florida Rates & Resources
