Best Money Market Rates in Gainesville, Florida - June 2026

0.00% APY for Balances of $0.01 - $2,499.99; 4.01% APY for Balances of $250,000 or more. Rates subject to change without notice. For variable-rate accounts, the interest rate is subject to change after the account is opened. Fees may reduce account earnings. A valid email address and Online Banking enrollment are required to open and maintain an account. No transactions allowed by debit card or by check.

$1,000,000 +

Rates are current as of 6/1/2026, and subject to change at any time without notice. All deposits made to the Tidal Wave Money Market Account must be new money only. New money is defined as funds not currently on deposit with RadiFi Credit Union.

As Low As; About Money Market

The Higher the Amount the Higher the Interest Rate.

Interest Income Benefit $5,000; Yearly Fee Savings $2,420.00

No minimum deposit required when you open a Business Money Market Account. No service charges or monthly fees.

Preferred rates. Standard rates: 0.03% APY.

Preferred rates. Standard rates: 0.15% APY.

Variable rate; Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.25% APY. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.

Earn premium rates while maintaining easy access to your money.

Qualifications Required: direct deposit of payroll, SSI, or other income; 10 electronic debit transactions, including ACH debits, debit card point-of-sale, checks, and BillPay per monthly statement cycle; Must have an active BayLive checking account to receive this APY. Active is defined as direct deposit of payroll, SSI, or other income and 10 electronic debit transactions, including ACH debits, debit card point-of-sale, checks, and BillPay per monthly statement cycle. Eligibility requirements will begin the first full statement cycle following account opening. Personal accounts only. If BayFirst checking account is non-active, APY will adjust to 0.05% APY for all balances. Rates are variable and are subject to change at the bank's discretion. Rates are calculated on a daily balance method. Fees could reduce earnings. You may make six (6) withdrawals/transfers from your account each month, by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. A service charge of $20 will be imposed every statement cycle if the daily balance on any day of the month falls below $1,000.

$2,500