Matthews, Georgia Money Market Rates for October 2026
Brian McKay
Brian McKay
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Matthews, Georgia money market account rates from banks and credit unions serving Georgia range from 1.36% to 4.25% APY, verified by MonitorBankRates as of October 31, 2026. Current Matthews, Georgia and the surrounding area money market deposit account rates include Center Parc Credit UnionCenter Parc Credit UnionA+5.0 ★Texas Ratio: 5.56%Real return: +0.55%APY minus 3.7% CPIRate verified Oct 30, 2026 Business Money Market at 4.25% APY, First Commerce Credit UnionFirst Commerce Credit UnionA+5.0 ★Texas Ratio: 3.60%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 30, 2026 Momentum Money Market at 4.00% APY, Georgias Own Credit UnionGeorgias Own Credit UnionA5.0 ★Texas Ratio: 7.35%Real return: +0.13%APY minus 3.7% CPIRate verified Oct 30, 2026 Business Money Market at 3.83% APY, Publix Employees Federal Credit UnionPublix Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.50%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 29, 2026 High-Yield Money Market Tiers at 3.75% APY, and Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 4.25%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 29, 2026 Select Money Market at 3.75% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Matthews is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Georgia area are available to Matthews residents, with money market rates as high as 4.25% APY from Center Parc Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Matthews, Georgia and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Matthews, Georgia & the Surrounding Area
Balance: $1,000,000+; Monthly Service Charge is $25.00 For October 1, 2026
Balance: $250,000 - $999,999.99; Monthly Service Charge is $25.00 For October 1, 2026
Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000
Balance: $250,000 +
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: $250,000.00 +
Special rate for new accounts opened today; Balance: not stated
Wilmington Branch Only; Balance: $1,000,000 and above; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Balance: $1,000,000.00 and over; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
Balance: $500,000+; Monthly Service Charge is $10.00; For October 1, 2026
Balance: $1,000,000 and over
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Qualifications Required; Balance: $500,000 and over; Rate = dividend rate
Balance: $2,500 and above
Balance: $250,000 and over; Paid: Monthly
Qualifications Required; Balance: $250,000-$499,999.99; Rate = dividend rate
Balance: $250,000 - $5,000,000.00; Tier 4; no interest paid on balances over $5,000,000.00; APY accurate as of 12/17/25
Wilmington Branch Only; Balance: $250,000 - $999,999; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Balance: Between $100,000 and $499,999.99; Avoid $10 monthly service charge with $2,500 average monthly balance; $5 per transaction fee after 6 debit transactions
Balance: $500,000.00 - $999,999.99; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
$1,000,000; Balance: $1,000,000 and over; Rate effective 10/1/26; Minimum average daily balance of $10,000 required to earn interest
- Oct 9, 20263.25%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $100,000 - $249,999.99; Monthly Service Charge is $25.00 For October 1, 2026
Manager: DREYFUS; 7-Day Yield; CUSIP 370375206; Ticker GMBXX
- Oct 30, 20263.10%▲ from 3.06%
- Oct 22, 20263.06%first recorded
Balance: $200,000 and over
Balance: $1,000,000 and above
Balance: $150,000 - $199,999
Balance: $75,000 - over; Monthly (06/30/2026)
Balance: Over $250,000
Wilmington Branch Only; Balance: $0 - $249,000; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Avoid $20 monthly service charge with $10,000 average monthly balance
Avoid $20 monthly service charge with $10,000 average monthly balance
Balance: $250,000.00 - $499,999.99; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
Balance: $100,000 - $149,999
Balance: $250,000 & Greater; Dividends compounded and credited monthly
$500,000 - $999,999.99; Balance: $500,000 - $999,999.99; Rate effective 10/1/26; Minimum average daily balance of $10,000 required to earn interest
- Oct 9, 20263.00%▲ from 2.53%
- Sep 18, 20262.53%first recorded
Balance: $100,000 - $499,999.99; Monthly Service Charge is $10.00; For October 1, 2026
Balance: $10,000.00 - $24,999.99
Balance: $500,000 and over; Level 1; Rate = dividend rate
Qualifications Required; Balance: $100,000-$249,999.99; Rate = dividend rate
Balance: $50,000 - $99,999; $2,500 minimum balance is required to earn dividends
Balance: $50,000 - $99,999
Balance: $250,000-$499,999.99; Level 1; Rate = dividend rate
Balance: $100,000 - $249,999.99; Tier 3; APY accurate as of 12/17/25
$250,000 - $499,999.99; Balance: $250,000 - $499,999.99; Rate effective 10/1/26; Minimum average daily balance of $10,000 required to earn interest
- Oct 9, 20262.85%▲ from 2.53%
- Sep 18, 20262.53%first recorded
Balance: $100,000 and over; $5 monthly maintenance charge waived when minimum balance requirement is met; APYs accurate as of 12/11/2025
Footnote: APY of 2.79% with an interest rate of 2.75%; No service charge when daily balance is over $1,000 ($12 monthly standard service charge); Six withdrawals/outgoing transfers per month, additional withdrawals $2 each; Existing Paragon customers must have a Paragon Bank checking account; New or existing money; APY as of 10/1/2026
Balance: $25,000 - $74,999.99; Monthly (06/30/2026)
Balance: Between $2,500 and $99,999.99; Avoid $10 monthly service charge with $2,500 average monthly balance; $5 per transaction fee after 6 debit transactions
Balance: $100,000.00 - $249,999.99; Tiered and variable rate; $20.00 fee if average daily balance falls below $100,000
Balance: $100,000 & More; Regular, TRUST, & IRA MMAs; Compounding Method: Monthly; Dividend Frequency: Monthly; Good Through October 31, 2026; Effective As Of October 1, 2026
$100,000 - $249,999.99; Balance: $100,000 - $249,999.99; Rate effective 10/1/26; Minimum average daily balance of $10,000 required to earn interest
- Oct 9, 20262.75%▲ from 2.53%
- Sep 18, 20262.53%first recorded
Balance: $100,000+; Paid Monthly
Balance: $50,000 - $99,999.99; Monthly Service Charge is $25.00 For October 1, 2026
Balance: $500,000 - $999,999.99
Balance: $1,000,000 & above
Balance: $50,000 and up; dividend period monthly
Balance: $25,000 - $49,999
Balance: $100,000 - $249,999; Paid: Monthly
Balance: $10,000 - $99,999.99; $5 monthly maintenance charge waived when minimum balance requirement is met; APYs accurate as of 12/11/2025
Balance: $10,000 - $24,999
Balance: $500,000 - $999,999.99
Balance: $250,000 or more
Balance: $100,001 - $250,000
Balance: $500,000.01 and over; Tiered and variable rate; $20.00 fee if daily balance falls below $1,000
Balance: $2,500 - $9,999; $2,500 minimum balance is required to earn dividends
Balance: $2,500 - $9,999
Balance: ($150,000-$249,999); Dividends compounded and credited monthly
Balance: $25,000 - $49,999.99; Monthly Service Charge is $25.00 For October 1, 2026
Balance: $50,000 - $99,999.99; Monthly Service Charge is $10.00; For October 1, 2026
Balance: $100,000 - $249,999.99
Balance: $500,000 - $999,999
Balance: $25,000.00 - $49,999.99; dividend period monthly
Balance: $50,000.00 - $99,999.99; Tier 2; APY accurate as of 12/17/25
Balance: $250,000.01 - $500,000.00; Tiered and variable rate; $20.00 fee if daily balance falls below $1,000
Balance: $250,000 - $499,999.99
Balance: $1,000,000 & higher; Tiered variable rate account; $1,000.00 to open; monthly service charge of $9.99 if balance falls below $1,000.00
Balance: $100,000.00 - $250,000.00; Tiered and variable rate; $20.00 fee if daily balance falls below $1,000
Balance: $50,000.00 - $249,999.99
Balance: $0.00 - $49,999.99; Tier 1; $10.00 balance requirement fee if balance falls below $2,500 on any day of the monthly statement cycle; APY accurate as of 12/17/25
Balance: $1,000.00 - $99,999.99; Tiered and variable rate; $20.00 fee if daily balance falls below $1,000
Balance: $50,000 - $249,999.99
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.
Matthews, GA Money Market Rate Trends
Compare local Matthews, 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 0.010 points over the past 7 days to 3.048% APY.
Georgia standard MMA rates rose 0.010 points over the past 7 days to 0.641% APY.
Matthews, 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 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 GA high-yield money market average of 3.048% 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 Matthews, Georgia.
Money Market Account Earnings in Matthews, 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 (3.048% APY) | Monthly Earnings | Standard MMA (0.641% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.84 / year | $25.40 | $64.05 / year | $5.34 |
| $25,000 | $762.10 / year | $63.51 | $160.12 / year | $13.34 |
| $50,000 | $1,524.20 / year | $127.02 | $320.25 / year | $26.69 |
| $100,000 | $3,048.40 / year | $254.03 | $640.50 / year | $53.38 |
| 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: Matthews, Georgia money market rate averages as of October 31, 2026. | ||||
Available in Matthews, Georgia Area
About Our Matthews, Georgia Money Market Rate Database
MonitorBankRates tracks money market rate offers from 42 banks and credit unions available to Matthews, Georgia residents via statewide and national offers. No branch locations physically in Matthews are currently in our database, but all listed offers are open to Matthews 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 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: Center Parc Credit Union offers a money market account at 4.25% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Matthews, Georgia.
How to Find the Best Money Market Rates in Matthews, Georgia
What to compare when shopping for a money market account in Matthews, Georgia
To find the best money market APYs in Matthews, Georgia, start with credit unions and online-only banks: Matthews, Georgia 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 GA high-yield money market average is 3.048% but top local institutions are offering as high as 4.25%, 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. Matthews, Georgia high-yield money market rates currently average 3.048% 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 Matthews, Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 42 institutions in Matthews, 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 Matthews, Georgia CD rates
- You don’t need check writing and want a lower minimum Matthews, Georgia savings rates
- You need daily transaction access Matthews, 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 3.048%, saving 10% of the local median salary ($4,381/year) would earn an additional $134 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Matthews, Georgia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Matthews, Georgia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 3.048% | View Savings Rates | 0.641%(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 Matthews, Georgia 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.
Matthews, 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 Matthews, 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 Matthews, Georgia
At GA’s top money market rate of 4.25% from Center Parc Credit Union, a $10,000 deposit earns $425 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Matthews, Georgia earner is roughly $11,000. At 3.048% 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 3.048% 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 Matthews, Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.048% APY.
Retirement PlannerA $25,000 money market balance earning 3.048% APY grows to roughly $45,579 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 Matthews, 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 Matthews, 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 Matthews, 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 Matthews, Georgia
What are money market account rates in Matthews, Georgia today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Matthews, Georgia safe?
How often do MMA rates change in Matthews, Georgia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Matthews, 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 Matthews, Georgia for money market accounts?
Best Money Market Rates in Matthews, Georgia
- Center Parc Credit Union
Business Money Market: 4.25% APY - First Commerce Credit Union
Momentum Money Market: 4.00% APY - Georgias Own Credit Union
Business Money Market: 3.83% APY - Publix Employees Federal Credit Union
High-Yield Money Market Tiers: 3.75% APY - Together Credit Union
Select Money Market: 3.75% APY
Matthews, Georgia Rates & Resources
