Palm Harbor, Florida Money Market Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Palm Harbor, Florida money market account rates range from 0.04% to 4.50% APY, verified by MonitorBankRates as of October 31, 2026. Current Palm Harbor, Florida and the surrounding area money market deposit account rates include Achieva Credit UnionAchieva Credit Union3446 E Lake Rd, Palm Harbor, FL 34685A+5.0 ★Texas Ratio: 2.57%Real return: -0.89%APY minus 3.7% CPIRate verified Oct 29, 2026 Indexed Money Market Account at 2.81% APY, Pinellas Federal Credit UnionPinellas Federal Credit Union30645 US Highway 19 N Unit 11, Palm Harbor, FL 34684 4410A+5.0 ★Texas Ratio: 3.96%Real return: -2.45%APY minus 3.7% CPIRate verified Oct 29, 2026 Money Market at 1.25% APY, SouthState BankSouthState Bank35320 Us Highway 19 N, Palm Harbor, FL 34684A+5.0 ★Texas Ratio: 2.27%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 31, 2026 Business Money Markets at 0.50% APY, PNC BankPNC Bank32491 Us Highway 19 N, Palm Harbor, FL 34684A+5.0 ★Texas Ratio: 4.24%Real return: -3.62%APY minus 3.7% CPIRate verified Oct 31, 2026 Premiere Money Market Account - Platinum Tier at 0.08% APY, and Community First Credit Union Of FloridaCommunity First Credit Union Of FloridaA+5.0 ★Texas Ratio: 3.41%Real return: +0.80%APY minus 3.7% CPIRate verified Oct 30, 2026 Business Money Market at 4.50% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Palm Harbor has 4 local institutions in our database, with money market rates as high as 2.81% APY from Achieva Credit Union at 3446 E Lake Rd, Palm Harbor, FL 34685. 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 Palm Harbor, Florida and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Palm Harbor, Florida & the Surrounding Area
Balance: $250,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details.
Balance: $100,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details.
Premier MMA Premium; Balance: $1,000,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Premier MMA Premium; Balance: $500,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Premier MMA Premium; Balance: $250,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Balance: $1,000,000 and over; Dividend Rate 2.374%
Premier MMA Premium; Balance: $150,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Premier MMA Premium; Balance: $50,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Premier MMA Premium; Balance: $2,000 minimum to earn dividends; Bump-up dividend rate available for eligible checking holders with at least $500 in qualified deposits each calendar month
Balance: $10,000 minimum to earn dividends; Eligibility requirements apply. Please visit your local branch or call 800.593.2274 for complete details.
Balance: $500,000 - $999,999.99; Dividend Rate 1.785%
Member of 25+ years; Minimum balance to earn dividends: $250,000
Balance: $250,000 - $499,999.99; Dividend Rate 1.687%
Member of 15-24 years; Balance: $250,000 and over
Balance: $1,000,000 minimum to earn dividends; Premier MMA Plus
- Oct 19, 20261.55%▼ from 2.55%
- Oct 9, 20262.55%▲ from 1.55%
- Sep 18, 20261.55%first recorded
Balance: $500,000 minimum to earn dividends; Premier MMA Plus
- Oct 19, 20261.50%▼ from 2.50%
- Oct 9, 20262.50%▲ from 1.50%
- Sep 18, 20261.50%first recorded
Balance: $250,000 minimum to earn dividends; Premier MMA Plus
- 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; Minimum balance to earn dividends: $250,000
Balance: $150,000 minimum to earn dividends; Premier MMA Plus
- Oct 19, 20261.40%▼ from 2.40%
- Oct 9, 20262.40%▲ from 1.40%
- Sep 18, 20261.40%first recorded
Balance: $50,000 minimum to earn dividends; Premier MMA Plus
- Oct 19, 20261.35%▼ from 2.35%
- Oct 9, 20262.35%▲ from 1.35%
- Sep 18, 20261.35%first recorded
Balance: $2,000 minimum to earn dividends; Premier MMA Plus
- 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; Minimum balance to earn dividends: $150,000
Balance: $100K & Up
Balance: $150,000 - $249,999.99; Dividend Rate 1.243%
Member of 25+ years; Minimum balance to earn dividends: $75,000
Member of 25+ years; Minimum balance to earn dividends: $25,000
Member of 5-14 years; Minimum balance to earn dividends: $75,000
Member of 5-14 years; Minimum balance to earn dividends: $25,000
Balance: $50K - $99,999.99
Balance: $50,000 - $149,999.99; Dividend Rate 0.747%
Balance: $5,000 - $49,999.99; Dividend Rate 0.648%
Balance: $25K - $49,999.99
Balance: $1,000,000 (minimum balance to earn dividends)
Balance: $100,000 and above
Balance: $100,000 and above
Balance: $500,000 (minimum balance to earn dividends)
Balance: $10K - $24,999.99
Balance: $250,000 (minimum balance to earn dividends)
Balance: $150,000 (minimum balance to earn dividends)
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99
Balance: $2,500.00 - $9,999.99
Balance: $50,000 (minimum balance to earn dividends)
Balance: $2,000 (minimum balance to earn dividends)
Balance: $0.00 - $2,499.99
Balance: $25,000 to $49,999.99
Balance: $25,000 to $49,999.99
Balance: $10,000 to $24,999.99
Balance: $10,000 to $24,999.99
Balance: $2,000 to $9,999.99
Balance: $2,000 to $9,999.99
Balance: $100,000.00 - $249,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $100,000.00 - $249,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $1.00 - $9,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $100,000.00 - $249,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $1.00 - $9,999.99
Balance: $0.01 to $1,999.99
Balance: $0.01 to $1,999.99
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; paper statements $10.00 monthly fee
Balance: $500,000 - $749,999.99
Balance: $2,500 and over; Maximum balance $1,000,000; Online Only
- Oct 2, 20264.17%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Balance: $1,000,000.00 and over; New money only
Balance: $50 to $2,500; Open with $25, $50 minimum balance to earn APY, keep $2,500 to avoid minimum balance fee
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $10,000 or more
Balance: $250,000 - $499,999.99
Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000
Balance: $50,000 or more; Add funds whenever you want; Withdraw money whenever you need to, with no restrictions
Balance: $100,000.00 and above; Minimum Balance to Open: $5,000.00; Closing Fee: $50.00 if closed within 6 months after opening
Balance: $1,000,000 and over
Variable rate account; Rates effective 12/13/2025
- Sep 27, 20263.88%▲ from 3.64%
- Sep 19, 20263.64%first recorded
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Offered via Raisin platform; APY as of October 30, 2026
Balance: $25,000+; Earn 3.75% APY when you bring $25,000+ in new money with promo code MM2026; must deposit at least $25,000 in new funds; personal accounts only; residents of PA, DE or NJ; APY effective as of October 30, 2026
- Oct 14, 20263.75%▲ from 1.75%
- Sep 27, 20261.75%first recorded
Promotional APY guaranteed for 6 months; after the promotional period the account converts to the standard Money Market account at the then-current variable APY; For Consumer Accounts Only; available to new clients or existing clients depositing new funds; Balance: all balances
- Oct 26, 20263.75%▲ from 3.50%
- Oct 14, 20263.50%first recorded
Balance: $5,000.00 - less than $3,000,000.01; Consumer; Tier 3; Limited-time promotional rate; requires $5,000 minimum opening deposit; new money required; requires Fidelity Bank checking account
Balance: $1,000,000+; Tiered APY; Deposits over $1,000,000 subject to review
Balance: $25,000 - $99,999; Minimum to open is $25,000; Restrictions apply
Special rate for new accounts opened today; Balance: not stated
Preferred rates; Must have a Citizens Private Client Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Private Client Checking; Rhode Island rates
Preferred rates; Must have a Citizens Quest Checking account; minimum $25,000 of new money required to qualify for preferred rates; Monthly maintenance fees $0 with Citizens Quest Checking; Rhode Island rates
- Oct 31, 20263.50%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $1,000,000 - $9,999,999.99
Balance: $100+; variable rate account; balances from $100 and over receive 3.50% APY; must open an account by 10/09/2026 to get the promotional rate; APY accurate as of 09/10/2026
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $500,001 - $1,000,000; Tiered APY as of April 26, 2026; Tier rate paid on entire balance; Dormant account fee after 6 months inactivity if balance under $10,000.00
Balance: $500,000 - $1,000,000; Tiered APY; Deposits over $1,000,000 subject to review
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: below $100,000.00; Minimum Balance to Open: $5,000.00; Closing Fee: $50.00 if closed within 6 months after opening
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
Money Market Account Promotional Rates; promotional intro rate
Manager: DREYFUS; 7-Day Yield; CUSIP 370375206; Ticker GMBXX
- Oct 30, 20263.10%▲ from 3.06%
- Oct 22, 20263.06%first recorded
Minimum: Personal: $1,000 | Business: $5,000; Balance: $200,000 and Higher
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.
Palm Harbor, FL Money Market Rate Trends
Compare local Palm Harbor, 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 0.015 points over the past 7 days to 3.377% APY.
Florida standard MMA rates rose 0.001 points over the past 7 days to 0.618% APY.
Palm Harbor, 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 3.377% 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 Palm Harbor, Florida.
Money Market Account Earnings in Palm Harbor, 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 (3.377% APY) | Monthly Earnings | Standard MMA (0.618% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $337.70 / year | $28.14 | $61.75 / year | $5.15 |
| $25,000 | $844.25 / year | $70.35 | $154.38 / year | $12.87 |
| $50,000 | $1,688.50 / year | $140.71 | $308.75 / year | $25.73 |
| $100,000 | $3,377.00 / year | $281.42 | $617.50 / year | $51.46 |
| 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: Palm Harbor, Florida money market rate averages as of October 31, 2026. | ||||
About Our Palm Harbor, Florida Money Market Rate Database
MonitorBankRates found 4 institutions with branches in Palm Harbor (2 banks, 2 credit unions), plus 46 additional state-chartered and national online institutions available to Palm Harbor 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: Achieva Credit Union offers a money market account at 2.81% APY. Use the rate table above to compare all current offers in Palm Harbor, Florida.
How to Find the Best Money Market Rates in Palm Harbor, Florida
What to compare when shopping for a money market account in Palm Harbor, Florida
To find the best money market APYs in Palm Harbor, Florida, start with credit unions and online-only banks: Palm Harbor, Florida has 27 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 3.377% Use the table above to find the best available offer.
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. Palm Harbor, Florida high-yield money market rates currently average 3.377% 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 Palm Harbor, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 50 institutions in Palm Harbor, Florida report money market rates to our database.
- You’re among Palm Harbor, Florida’s 28.6% 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 Palm Harbor, Florida CD rates
- You don’t need check writing and want a lower minimum Palm Harbor, Florida savings rates
- You need daily transaction access Palm Harbor, Florida checking rates
Palm Harbor, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
28.6% 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 3.3% reflects a strong local economy with solid savings capacity. At today’s FL high-yield money market average of 3.377%, saving 10% of the local median salary ($5,100/year) would earn an additional $172 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Palm Harbor, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Palm Harbor, Florida.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 3.377% | View Savings Rates | 0.618%(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 Palm Harbor, Florida averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Palm Harbor, 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 Palm Harbor, 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 Palm Harbor, Florida
At FL’s top money market rate of 2.81% from Achieva Credit Union, a $10,000 deposit earns $281 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Palm Harbor, Florida earner is roughly $12,800. At 3.377% APY in a money market account, saving $1,060/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 3.377% 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 Palm Harbor, Florida earner makes $51,003/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.377% APY.
Retirement PlannerA $25,000 money market balance earning 3.377% APY grows to roughly $48,576 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 Palm Harbor, 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 Palm Harbor, 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 Palm Harbor, 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 Palm Harbor, Florida
What are money market account rates in Palm Harbor, Florida today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Palm Harbor, Florida safe?
How often do MMA rates change in Palm Harbor, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Palm Harbor, 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 Palm Harbor, Florida for money market accounts?
Best Money Market Rates in Palm Harbor, Florida
- Achieva Credit Union
Indexed Money Market Account: 2.81% APY - Pinellas Federal Credit Union
Money Market: 1.25% APY - SouthState Bank
Business Money Markets: 0.50% APY - PNC Bank
Premiere Money Market Account - Platinum Tier: 0.08% APY - Community First Credit Union Of Florida
Business Money Market: 4.50% APY
Palm Harbor, Florida Rates & Resources
