Best Money Market Rates in Mansfield, Georgia - August 2026
Brian McKay
Brian McKay
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Current Mansfield, Georgia and the surrounding area money market deposit account rates include Publix Employees Federal Credit UnionPublix Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.29%Real return: +1.70%APY minus 2.8% CPI (February 2026) High-Yield Money Market Tiers at 4.50% APY, First Commerce Credit UnionFirst Commerce Credit UnionA+5.0 ★Texas Ratio: 4.52%Real return: +1.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 4.00% APY, Workmens Circle Incorporated Credit UnionWorkmens Circle Incorporated Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +0.95%APY minus 2.8% CPI (February 2026) Share/IRA Money Market/Platinum Plus at 3.75% APY, New Millennium BankNew Millennium BankA+5.0 ★Texas Ratio: 3.04%Real return: +0.70%APY minus 2.8% CPI (February 2026) SMART Money Market Account at 3.50% APY, and Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.30%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market at 3.50% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Mansfield is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Georgia area are available to Mansfield residents, with money market rates as high as 4.50% APY from Publix Employees Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Mansfield, Georgia and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Mansfield, Georgia & the Surrounding Area
Balances below $1,000 will not earn dividend and APY. Annual Percentage Yield (APY) accurate as of 7/15/2026. Rates subject to change without notice.
APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
Tiered and Variable Rate) $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
New money only
New money only
Intro rate APY 3.50%
$15,000+; Intro rate
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Tiered and Variable Rate) $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Tiered and Variable Rate) $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account.
See Account Terms for details
Tiered and Variable Rate) $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply
APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account.
Earn up to 2.75% APY* on balances of $50,000 or more and pay no monthly service fees. Member accounts insured to $1,000,000**. Federally Insured by NCUA up to $250,000 and additionally insured up to $750,000 by ESI, a private insurance company. ***A Money Market Excessive withdrawal fee will be assessed if more than six withdrawals clear the account in a month.
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
See Account Terms for details
Tiered and Variable Rate) $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply
$100,000; Compounding Method: Monthly; Dividend Frequency: Monthly; Effective As Of: August 1, 2026; Good Through: August 31, 2026
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Tiered and Variable Rate) $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply
Tiered and Variable Rate) $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply
Annual Percentage Yield (APY) accurate as of 12/17/25. Rates are variable and may change after the account is opened. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Tiered and Variable Rate) $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply
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.
Mansfield, GA Money Market Rate Trends
Compare local Mansfield, GA 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.
Georgia high-yield MMA rates fell 0.044 points over the past 7 days to 2.900% APY.
Georgia standard MMA rates rose 0.041 points over the past 7 days to 0.648% APY.
Mansfield, Georgia Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current GA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 GA high-yield money market average of 2.900% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Mansfield, Georgia.
Money Market Account Earnings in Mansfield, Georgia
Annual interest earnings at current GA 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 (2.900% APY) | Monthly Earnings | Standard MMA (0.648% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $290.00 / year | $24.17 | $64.78 / year | $5.40 |
| $25,000 | $725.00 / year | $60.42 | $161.95 / year | $13.50 |
| $50,000 | $1,450.00 / year | $120.83 | $323.90 / year | $26.99 |
| $100,000 | $2,900.00 / year | $241.67 | $647.80 / year | $53.98 |
| 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: Mansfield, Georgia money market rate averages as of August 29, 2026. | ||||
Available in Mansfield, Georgia Area
About Our Mansfield, Georgia Money Market Rate Database
MonitorBankRates tracks money market rate offers from 31 banks and credit unions available to Mansfield, Georgia residents via statewide and national offers. No branch locations physically in Mansfield are currently in our database, but all listed offers are open to Mansfield depositors. 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 (1–5), 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: Publix Employees Federal Credit Union offers a money market account at 4.50% APY. Use the rate table above to compare all current offers in Mansfield, Georgia.
How to Find the Best Money Market Rates in Mansfield, Georgia
What to compare when shopping for a money market account in Mansfield, Georgia
To find the best money market APYs in Mansfield, Georgia, start with credit unions and online-only banks — Mansfield, Georgia has 26 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–$25,000, with lower rates (or monthly fees) below that threshold. The current GA high-yield money market average is 2.900% — but top local institutions are offering as high as 4.50%, 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. Mansfield, Georgia high-yield money market rates currently average 2.900% 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 Mansfield, Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 31 institutions in Mansfield, Georgia report money market rates to our database.
- 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 → Mansfield, Georgia CD rates
- You don’t need check writing and want a lower minimum → Mansfield, Georgia savings rates
- You need daily transaction access → Mansfield, Georgia checking rates
Georgia Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau (state-level data shown — city data not available)
15.0% of residents are 65 or older — below the national average of 17.3%. At today’s GA high-yield money market average of 2.900%, saving 10% of the local median salary ($4,381/year) would earn an additional $127 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Mansfield, Georgia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Mansfield, Georgia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 2.900% | View Savings Rates | 0.648%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Mansfield, Georgia averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Mansfield, Georgia 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 Mansfield, Georgia 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 Mansfield, Georgia
At GA’s top money market rate of 4.50% from Publix Employees Federal Credit Union, a $10,000 deposit earns $450 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Mansfield, Georgia earner is roughly $11,000. At 2.900% APY in a money market account, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountGeorgia’s high-yield money market average is 2.900% 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 Mansfield, Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.900% APY.
Retirement PlannerA $25,000 money market balance earning 2.900% APY grows to roughly $44,284 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 Mansfield, Georgia 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 Mansfield, Georgia 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 Mansfield, Georgia. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in GA.
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 Mansfield, Georgia
What is a Money Market Account (MMA)?
Are Money Market accounts in Mansfield, Georgia safe?
How often do MMA rates change in Mansfield, Georgia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Mansfield, Georgia?
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 Mansfield, Georgia for money market accounts?
Best Money Market Rates in Mansfield, Georgia
- Publix Employees Federal Credit Union
High-Yield Money Market Tiers — 4.50% APY - First Commerce Credit Union
Momentum Money Market — 4.00% APY - Workmens Circle Incorporated Credit Union
Share/IRA Money Market/Platinum Plus — 3.75% APY - New Millennium Bank
SMART Money Market Account — 3.50% APY - Together Credit Union
Money Market — 3.50% APY
Mansfield, Georgia Rates & Resources
