Best Money Market Rates in Madison, Alabama (AL) - May 2026
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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 Madison, Alabama and the surrounding area money market deposit account rates include Avadian Credit UnionAvadian Credit Union8566 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 3.11% New Business Money Market at 3.65% APY, TruistTruist286 Hancock St, Madison, GA 30650A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union9000 Greenbrier Pkwy NW, Madison, AL 35756 4453B4.4 ★Texas Ratio: 21.76% Money Market Plus Account at 3.25% APY, Alabama Credit UnionAlabama Credit Union100 New Bristol Lane, Madison, AL 35756A5.0 ★Texas Ratio: 6.17% Daily Money Market Accounts at 3.03% APY, and Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL 35757A+5.0 ★Texas Ratio: 3.00% Money Market Share Account at 2.02% APY. Money market rates as of May 15, 2026 according to verified data from MonitorBankRates.
Madison has 6 local institutions in our database, with money market rates as high as 3.65% APY from Avadian Credit Union at 8566 Madison Blvd, Madison, AL 35758. Use the table below to compare all available offers, including options from institutions serving the broader Alabama area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Madison, Alabama and surrounding area. Last Updated and Verified: May 15, 2026
Compare the Best Money Market Rates Today in Madison, Alabama & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
New Business Money Market
3.65%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
New Money
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
286 Hancock St, Madison, GA 30650
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
Daily Money Market Accounts
3.03%
$100,000
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Endeavor Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Endeavor Money Market
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Endeavor Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Endeavor Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
4005 Lawson Ridge Dr, Madison, AL 35757
Money Market Share Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Money Market
0.75%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Money Market
0.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
Daily Money Market Accounts
0.70%
$50,000
▼
Rate0.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Account
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Money Market
0.65%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Account
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
Daily Money Market Accounts
0.60%
$25,000
▼
Rate0.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
Daily Money Market Accounts
0.55%
$10,000
▼
Rate0.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
TotalView Money Market Savings
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
100 New Bristol Lane, Madison, AL 35756
Daily Money Market Accounts
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Money Market
0.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Money Market
0.45%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
8566 Madison Blvd, Madison, AL 35758
Business Money Market
0.30%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
Money Market Savings
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
53 Hughes Rd, Madison, AL 35758
Money Market Savings
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9000 Greenbrier Pkwy NW, Madison, AL 35756 4453
Money Market Plus Account
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Elevate Money Market Account - Reverse Money Market
5.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Elevate Money Market Account - Reverse Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Business Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Local Bank Red Level, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Money Market Accounts
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Local Bank Red Level, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Money Market Account
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Elite Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Money Market Account
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Money Market+
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required)
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Prime Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Variable: Prime-3.75%
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Elevate Money Market Account - Reverse Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Money Market Account
3.00%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Money Market Accounts
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Up To
Brewton Mill Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.36%
Money Market
2.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Up To
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Business Money Market+
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required); $250,000 to $499,999.99
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Money Market Account
2.53%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Money Market Account Plus
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Money Market Accounts
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Citizens Bank Luverne, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Money Market
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Daily Balances of: $250,000.00 and up
Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
High Performance Money Market Account
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Balances $0 - $24,999.00
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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 Madison, Alabama 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.
Madison, AL Money Market Rate Trends
Compare local Madison, AL 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 — AL Avg
3.072%
▲ 0.002 vs 7 days ago
Alabama high-yield MMA rates rose 0.002 points over the past 7 days to 3.072% APY.
Standard MMA — AL Avg
0.455%
Unchanged vs 7 days ago
Alabama standard MMA rates currently average 0.455% APY.
As of May 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madison, Alabama 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 Madison, Alabama 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 Madison, Alabama. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in AL.
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 Madison, Alabama
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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 Alabama.
Are Money Market accounts in Madison, Alabama 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 Alabama up to $250,000 per depositor, per institution.
How often do MMA rates change in Madison, Alabama?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Alabama 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.
How much do I need to deposit to open a money market account in Madison, Alabama?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Madison, Alabama require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Madison, Alabama
Here are some of the highest money market account APYs currently available in Madison, Alabama and the surrounding area:
- Avadian Credit Union
New Business Money Market — 3.65% APY - Truist
Small Business Money Market Account — 3.40% APY - UNIFY Financial Federal Credit Union
Money Market Plus Account — 3.25% APY - Alabama Credit Union
Daily Money Market Accounts — 3.03% APY - Redstone Federal Credit Union
Money Market Share Account — 2.02% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison, Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 15, 2026
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