Best Money Market Rates in Troy, 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 Troy, Alabama and the surrounding area money market deposit account rates include Max Credit UnionMax Credit Union1207 Highway 231 S, Troy, AL 36081A+5.0 ★Texas Ratio: 3.24% Elevate Money Market Account - Reverse Money Market at 5.00% APY, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1120 Highway 231 S, Troy, AL 36081A5.0 ★Texas Ratio: 11.42% Money Market+ at 3.00% APY, All In Credit UnionAll In Credit Union651 Alabama Hwy 87, Troy, AL 36079A5.0 ★Texas Ratio: 11.52% Money Market Access at 1.66% APY, Gulf Winds Credit UnionGulf Winds Credit UnionA+5.0 ★Texas Ratio: 3.94% Business Money Market at 3.75% APY, and Avadian Credit UnionAvadian Credit UnionA+5.0 ★Texas Ratio: 3.11% New Business Money Market at 3.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Troy has 3 local institutions in our database, with money market rates as high as 5.00% APY from Max Credit Union at 1207 Highway 231 S, Troy, AL 36081. 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 Troy, Alabama and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Troy, Alabama & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
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%
1207 Highway 231 S, Troy, AL 36081
Elevate Money Market Account - Reverse Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Elevate Money Market Account - Reverse Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
Money Market+
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required)
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
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
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
Business Money Market+
2.45%
$0
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required); $100,000 to $249,999.99
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
1.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
Business Money Market+
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required); $25,000 to $99,999.99
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
Business Money Market+
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required); $10,000 to $24,999.99
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Money Market Access
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL 36081
Business Money Market+
1.65%
$0
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
($2,500 daily balance required); $2,500 to $9,999.99
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Money Market Access
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
1.26%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Money Market Access
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Money Market Access
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Business Money Market
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Elevate Money Market Account - Reverse Money Market
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Business Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
651 Alabama Hwy 87, Troy, AL 36079
Business Money Market
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Private Reserve Money Market Account
0.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
0.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1207 Highway 231 S, Troy, AL 36081
Performance Money Market Account
0.15%
$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
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
New Business Money Market
3.65%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
New Money
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
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
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
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%
Money Market Plus Account
3.25%
$0
▼
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
▼
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
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Daily Money Market Accounts
3.03%
$100,000
▼
Rate3.00%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 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
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%
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 5, 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
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
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Money Market Account Plus
2.27%
$0
▼
Rate2.25%
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
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Money Market Account
2.12%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Over $100,000; ($1,000 Minimum)
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Money Market Account
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 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 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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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 Troy, 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.
Troy, AL Money Market Rate Trends
Compare local Troy, 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
3.070%
Unchanged vs 7 days ago
Alabama high-yield MMA rates currently average 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, Alabama
Here are some of the highest money market account APYs currently available in Troy, Alabama and the surrounding area:
- Max Credit Union
Elevate Money Market Account - Reverse Money Market — 5.00% APY - Guardian Credit Union Montgomery, AL
Money Market+ — 3.00% APY - All In Credit Union
Money Market Access — 1.66% APY - Gulf Winds Credit Union
Business Money Market — 3.75% APY - Avadian Credit Union
New Business Money Market — 3.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Troy, 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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