Winter Park, Florida Money Market Rates for October 2026
Brian McKay
Brian McKay
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Winter Park, Florida money market account rates range from 0.02% to 4.50% APY, verified by MonitorBankRates as of October 31, 2026. Current Winter Park, Florida and the surrounding area money market deposit account rates include Climate First BankClimate First Bank1150 S Orlando Ave, Winter Park, FL 32789A+5.0 ★Texas Ratio: 1.15%Real return: +0.56%APY minus 3.7% CPIRate verified Oct 26, 2026 Business Money Market at 4.26% APY, TotalBankTotalBank972 Orange Ave, Winter Park, FL 32789A5.0 ★Texas Ratio: 7.12%Real return: +0.47%APY minus 3.7% CPIRate verified Oct 31, 2026 Online Money Market Deposit Account at 4.17% APY, Axiom BankAxiom Bank272 West New England Avenue, Winter Park, FL 32789A+5.0 ★Texas Ratio: 0.36%Real return: +0.18%APY minus 3.7% CPIRate verified Oct 26, 2026 Fed Funds Variable Money Market at 3.88% APY, BankUnitedBankUnited1121 Orange Ave, Winter Park, FL 32789A5.0 ★Texas Ratio: 6.17%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 31, 2026 Promotional Money Market Account at 3.75% APY, and Dfcu Financial Credit UnionDfcu Financial Credit Union201 N New York Ave Ste 100, Winter Park, FL 32789 3163A+5.0 ★Texas Ratio: 1.86%Real return: +0.00%APY minus 3.7% CPIRate verified Oct 29, 2026 Premier Money Market at 3.70% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Winter Park has 17 local institutions in our database, with money market rates as high as 4.26% APY from Climate First Bank at 1150 S Orlando Ave, Winter Park, FL 32789. 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 Winter Park, Florida and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Winter Park, Florida & the Surrounding Area
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: $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: $50,000 or more; Add funds whenever you want; Withdraw money whenever you need to, with no restrictions
Variable rate account; Rates effective 12/13/2025
- Sep 27, 20263.88%▲ from 3.64%
- Sep 19, 20263.64%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: $1,000,000 and up; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
Special rate for new accounts opened today; Balance: not stated
Rate Type: Variable
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: $500,000 to $999,999; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
Balance: $250,000 to $499,999; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
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
Balance: $500,000 and up
Rate Type: Variable; Higher APY on Balances Up to $24,999
Rate Type: Variable
Balance: $100,000 to $249,999; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
Balance: $250,000 to $499,999
Balance: $100,000 to $249,999
Rate Type: Variable
Balance: $1,000,000 and over; Savings & IRA
Effective Date: October 1, 2026
Compare table: Dividends 2.10 %; Digital Banking Access listed
Balance: $1,000,000 and up
Balance: $50,000 to $99,999
Balance: $500,000 - $999,999; Savings & IRA
Balance: $750,000 - $999,999.99
Balance: $250,000 - $499,999; Savings & IRA
Balance: $100,000 - $249,999; Savings & IRA
Rate Type: Variable
Money Market Account Promotional Rates; Balance: $2,000,000 - $4,999,999.99
- Oct 31, 20261.57%▲ from 1.01%
- Oct 26, 20261.01%▼ from 1.57%
- Sep 19, 20261.57%first recorded
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $500,000 - $749,999.99
Balance: $25,000 to $49,999
Balance: $50,000 to $99,999; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
Rate Type: Variable
Rate Type: Variable
Balance: $250,000 - $499,999.99
Rate Type: Variable
Balance: 500,000 - 999,999
Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Money Market Account Promotional Rates; Balance: $500,000 - $1,999,999.99
- Oct 31, 20261.09%▲ from 0.40%
- Oct 26, 20260.40%▼ from 1.09%
- Sep 19, 20261.09%first recorded
Money Market Account Promotional Rates; Balance: $100,000 - $499,999.99
- Oct 31, 20261.05%▲ from 0.35%
- Oct 26, 20260.35%▼ from 1.05%
- Sep 19, 20261.05%first recorded
Balance: $2,000,000 - $4,999,999.99
Balance: 100,000 - 249,999
Balance: $2,500 - $9,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: >= 500,000
Balance: 100,000 - 249,999
Balance: $100,000 and above
Balance: $100,000 and above
Balance: 0 - 9,999
Balance: $2,500 to $24,999
Balance: $500,000 - $1,999,999.99
Balance: $50,000 to $99,999.99
Balance: $50,000 to $99,999.99
Balance: 0 - 9,999
Balance: $100,000 - $499,999.99
Balance: Up to $249,999.99
Balance: $0 - $99,999; Savings & IRA
Balance: $25,000 to $49,999.99
Balance: $25,000 to $49,999.99
Balance: $50,000 - $99,999
Balance: $10,000 to $24,999.99
Balance: $10,000 to $24,999.99
Balance: $500,000 and up
Balance: $0 - $24,999
Balance: $2,000 to $9,999.99
Balance: $2,000 to $9,999.99
Balance: $50,000 - $99,999.99
Balance: $250,000 to $499,999
Balance: $100,000.00 - $249,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $15,000 - $49,999.99
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: $0 - $14,999.99
Balance: $100,000 to $249,999
Balance: $0 to $2,499
Balance: $0 to $2,499
Balance: $0 to $2,499; Note: $2,500 minimum deposit to open; APY paid and compounded monthly
Balance: $0 - $2,499; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: >$750,000
Balance: $500,000 - $749,999.99
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: $1,000,000 and over
Balance: $25,000 - $99,999; Minimum to open is $25,000; Restrictions apply
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
Balance: $100,000 - $249,999.99
Balance: $1,000,000.01 & over
- Oct 10, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $500,000.00 and over; New money only
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.
Winter Park, FL Money Market Rate Trends
Compare local Winter Park, 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.
Winter Park, 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 Winter Park, Florida.
Money Market Account Earnings in Winter Park, 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: Winter Park, Florida money market rate averages as of October 31, 2026. | ||||
About Our Winter Park, Florida Money Market Rate Database
MonitorBankRates found 17 institutions with branches in Winter Park (13 banks, 4 credit unions), plus 35 additional state-chartered and national online institutions available to Winter Park 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: Climate First Bank offers a money market account at 4.26% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Winter Park, Florida.
How to Find the Best Money Market Rates in Winter Park, Florida
What to compare when shopping for a money market account in Winter Park, Florida
To find the best money market APYs in Winter Park, Florida, start with credit unions and online-only banks: Winter Park, Florida has 25 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% but top local institutions are offering as high as 4.26%, 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. Winter Park, 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 Winter Park, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 52 institutions in Winter Park, Florida report money market rates to our database.
- You’re among Winter Park, Florida’s 24.8% 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 Winter Park, Florida CD rates
- You don’t need check writing and want a lower minimum Winter Park, Florida savings rates
- You need daily transaction access Winter Park, Florida checking rates
Winter Park, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
24.8% 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 3.377%, saving 10% of the local median salary ($6,607/year) would earn an additional $223 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Winter Park, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Winter Park, 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 Winter Park, 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.
Winter Park, 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 Winter Park, 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 Winter Park, Florida
At FL’s top money market rate of 4.26% from Climate First Bank, a $10,000 deposit earns $426 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Winter Park, Florida earner is roughly $16,500. At 3.377% APY in a money market account, saving $1,380/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 Winter Park, Florida earner makes $66,077/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 Winter Park, 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 Winter Park, 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 Winter Park, 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 Winter Park, Florida
What are money market account rates in Winter Park, Florida today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Winter Park, Florida safe?
How often do MMA rates change in Winter Park, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Winter Park, 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 Winter Park, Florida for money market accounts?
Best Money Market Rates in Winter Park, Florida
- Climate First Bank
Business Money Market: 4.26% APY - TotalBank
Online Money Market Deposit Account: 4.17% APY - Axiom Bank
Fed Funds Variable Money Market: 3.88% APY - BankUnited
Promotional Money Market Account: 3.75% APY - Dfcu Financial Credit Union
Premier Money Market: 3.70% APY
Winter Park, Florida Rates & Resources
