Best Money Market Rates in Santa Rosa Beach, Florida (FL) - April 2026
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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 Santa Rosa Beach, Florida and the surrounding area money market rates include Community First Credit Union Of FloridaCommunity First Credit Union Of FloridaA+5.0 ★Texas Ratio: 4.11% Business Money Market at 4.50% 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, Dort Financial Credit UnionDort Financial Credit UnionA+5.0 ★Texas Ratio: 5.65% Public Funds Money Market at 4.00% APY, and LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit UnionA+5.0 ★Texas Ratio: 2.47% Max Money Market Accounts at 4.00% APY. Money market rates as of April 13, 2026 according to verified data from MonitorBankRates.
Santa Rosa Beach has 1 local institution in our database, with money market rates as high as 1.66% APY from All In Credit Union at 200 Mack Bayou Rd, Santa Rosa Beach, FL 32459. 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 Santa Rosa Beach, Florida and surrounding area. Last Updated and Verified: April 13, 2026
Compare the Best Money Market Rates Today in Santa Rosa Beach, Florida & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
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—
UpdatedApr 11, 2026
Details
Qualifying balance up to $2,500.00
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Business Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Business Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
$10,000 or more
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 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—
UpdatedApr 11, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market Accounts
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
No minimum balance fees; Access to your money anytime through online banking and the mobile app; Qualifying balance up to $1,000,000.00
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Impact Money Market
3.96%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Indexed money market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $25,000.00
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $25,000.00
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
New money only
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
New money only
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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—
UpdatedApr 11, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$15,000+ Intro rate
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
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—
UpdatedApr 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 13, 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—
UpdatedApr 8, 2026
Details
$15,000+
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers*
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
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
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
Axiom® Select Money Market
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 13, 2026
Details
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
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%
Business Money Market Products
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Up to $2,499
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$250,000 - $999,999
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $1,000.00
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 5, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market - Personal & Business
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Qualifying balance up to $10,000.00
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details
Minimum of $25,000 not currently deposited at Huntington.
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 5, 2026
Details
Minimum to open is $10,000
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market Accounts (Personal and Business)
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Daily Money Market
3.03%
$100,000
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
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 5, 2026
Details
Minimum to open is $2,500
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Money Market million
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1
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 11, 2026
Details
Qualifying balance up to $50,000.00
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
$100,000 - $249,999
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 8, 2026
Details
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
High Yield Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Qualifying balance up to $24,999.00; High yield checking required
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 11, 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 11, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Business Insured Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
MORE Money Market Savings Account
3.00%
$50,000
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details
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—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market Accounts (Personal and Business)
2.66%
$0
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details
Qualifications Required: direct deposit of payroll, SSI, or other income and 10 electronic debit transactions, including ACH debits, debit card point-of-sale, checks, and BillPay per monthly statement cycle; Active BayLive checking account required
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
MVP Money Market Account (MVP MMA)
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
InFocusPersonal Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
MVP Money Market Account (MVP MMA)
2.35%
$0
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
InFocusPersonal Money Market
2.28%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rate2.17%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
MVP Money Market Account (MVP MMA)
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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—
UpdatedApr 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
MVP Money Market Account (MVP MMA)
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Money Market Deposit Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifying balance up to $2,500.00
IncredibleBank
Institution Rating:
A5.0 ★ Texas Ratio: 11.55%
InFocusPersonal Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
High-Yield Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Lake Forest Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Money Market Advanced Special
2.00%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
New money only5
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 Santa Rosa Beach, 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.
Santa Rosa Beach, FL Money Market Rate Trends
Compare local Santa Rosa 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.
High-Yield MMA — FL Avg
3.531%
▲ 2.326 vs 7 days ago
Florida high-yield MMA rates rose 2.326 points over the past 7 days to 3.531% APY.
Standard MMA — FL Avg
0.567%
▼ 0.553 vs 7 days ago
Florida standard MMA rates fell 0.553 points over the past 7 days to 0.567% APY.
As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Santa Rosa 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 Santa Rosa 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 Santa Rosa Beach, Florida
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Florida.
Are Money Market accounts in Santa Rosa Beach, 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 Santa Rosa Beach, Florida?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in Santa Rosa Beach, Florida
Here are some of the highest money market account APYs currently available in Santa Rosa Beach, Florida and the surrounding area:
- Community First Credit Union Of Florida
Business Money Market — 4.50% APY - Total Direct Bank
Money Market Account — 4.01% APY - RadiFi Credit Union
Tidal Wave Money Market Account — 4.00% APY - Dort Financial Credit Union
Public Funds Money Market — 4.00% APY - LMCU Lake Michigan Credit Union
Max Money Market Accounts — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Santa Rosa Beach, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 13, 2026
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