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Best Money Market Rates in Mobile, Alabama (AL) - May 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: May 12, 2026

Current Mobile, Alabama and the surrounding area money market deposit account rates include Avadian Credit UnionAvadian Credit Union809 Downtowner Blvd, Mobile, AL 36609A+5.0 ★Texas Ratio: 3.11% New Business Money Market at 3.65% APY, TruistTruist736 Hillcrest Rd, Mobile, AL 36695A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Southern Energy Credit UnionSouthern Energy Credit Union150 Saint Joseph St, Mobile, AL 36602 3915A+5.0 ★Texas Ratio: 0.45% Money Market Account at 3.04% APY, Alabama Credit UnionAlabama Credit Union202 Addsco Rd, Mobile, AL 36602 8018A5.0 ★Texas Ratio: 6.17% Daily Money Market Accounts at 3.03% APY, and Navigator Credit UnionNavigator Credit Union1175 Hillcrest Rd, Mobile, AL 36695A+5.0 ★Texas Ratio: 2.50% Prime Money Market at 3.00% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Mobile has 10 local institutions in our database, with money market rates as high as 3.65% APY from Avadian Credit Union at 809 Downtowner Blvd, Mobile, AL 36609. 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 Mobile, Alabama and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Mobile, 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%
809 Downtowner Blvd, Mobile, AL 36609
New Business Money Market
3.65%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details

New Money

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
736 Hillcrest Rd, Mobile, AL 36695
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
150 Saint Joseph St, Mobile, AL 36602 3915
Money Market Account
3.04%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
202 Addsco Rd, Mobile, AL 36602 8018
Daily Money Market Accounts
3.03%
$100,000
View
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Prime Money Market
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Variable: Prime-3.75%

Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
150 Saint Joseph St, Mobile, AL 36602 3915
Money Market Account
2.53%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
150 Saint Joseph St, Mobile, AL 36602 3915
Money Market Account
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL 36604 2713
Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

$100,000 for best yield

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Money Market Access
1.66%
$0
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Money Market Access
1.46%
$0
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Money Market Access
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Money Market Access
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Business Money Market
1.05%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Business Money Market
0.90%
$0
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
64 N Royal St, Mobile, AL 36602
TotalView Money Market Savings
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Business Money Market
0.75%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Money Market
0.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
202 Addsco Rd, Mobile, AL 36602 8018
Daily Money Market Accounts
0.70%
$50,000
View
▼
Rate0.70%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Premium Savings Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Business Money Market
0.65%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Premium Savings Money Market
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
202 Addsco Rd, Mobile, AL 36602 8018
Daily Money Market Accounts
0.60%
$25,000
View
▼
Rate0.60%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Money Market
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
64 N Royal St, Mobile, AL 36602
TotalView Money Market Savings
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Business Money Market
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
202 Addsco Rd, Mobile, AL 36602 8018
Daily Money Market Accounts
0.55%
$10,000
View
▼
Rate0.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Premium Savings Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Business Money Market
0.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
64 N Royal St, Mobile, AL 36602
TotalView Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
202 Addsco Rd, Mobile, AL 36602 8018
Daily Money Market Accounts
0.50%
$2,500
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Premium Savings Money Market
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Business Money Market
0.45%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Money Market Account
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Money Market Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Premium Savings Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Money Market Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
809 Downtowner Blvd, Mobile, AL 36609
Business Money Market
0.30%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Money Market Account
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
64 N Royal St, Mobile, AL 36602
Money Market Savings
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL 36695
Prime Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
64 N Royal St, Mobile, AL 36602
Money Market Savings
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL 36609 1530
Money Market Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Elevate Money Market Account - Reverse Money Market
5.00%
$0
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Elite Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Money Market
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Money Market
3.00%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Money Market Account
3.00%
$0
View
▼
Rate3.25%
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
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

($2,500 daily balance required)

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Elevate Money Market Account - Reverse Money Market
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Bank Wadley, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
Money Market
2.63%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Up To

First Citizens Bank Luverne, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Money Market
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Daily Balances of: $250,000.00 and up

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 Mobile, 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.

Mobile, AL Money Market Rate Trends

Compare local Mobile, 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.

View Full Alabama MMA Trends →
High-Yield MMA — AL Avg
3.070%
▲ 0.011 vs 7 days ago

Alabama high-yield MMA rates rose 0.011 points over the past 7 days to 3.070% APY.

Standard MMA — AL Avg
0.455%
Unchanged vs 7 days ago

Alabama standard MMA rates currently average 0.455% APY.

As of May 13, 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 deposit account rates for Mobile, 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 Mobile, 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 Mobile, 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 Mobile, 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 Mobile, 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 Mobile, 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 Mobile, 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 Mobile, Alabama

Here are some of the highest money market account APYs currently available in Mobile, Alabama and the surrounding area:
  • Avadian Credit Union
    New Business Money Market — 3.65% APY
  • Truist
    Small Business Money Market Account — 3.40% APY
  • Southern Energy Credit Union
    Money Market Account — 3.04% APY
  • Alabama Credit Union
    Daily Money Market Accounts — 3.03% APY
  • Navigator Credit Union
    Prime Money Market — 3.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Mobile, Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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