Orlando, Florida Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Orlando, Florida and the surrounding area money market deposit account rates include Total Direct BankTotal Direct Bank390 N Orange Ave, Orlando, FL 32801A5.0 ★Texas Ratio: 7.12%Real return: +1.21%APY minus 2.8% CPI (February 2026) Online Money Market Deposit Account at 4.01% APY, Axiom BankAxiom Bank715 S Goldwyn Ave, Orlando, FL 32805A+5.0 ★Texas Ratio: 0.36%Real return: +0.84%APY minus 2.8% CPI (February 2026) Fed Funds Variable Money Market at 3.64% APY, BankUnitedBankUnited2495 S Orange Ave, Orlando, FL 32806A5.0 ★Texas Ratio: 12.74%Real return: +0.70%APY minus 2.8% CPI (February 2026) Promotional Money Market Account at 3.50% APY, Together Credit UnionTogether Credit Union7007 Sea World Dr, Orlando, FL 32821 8097A+5.0 ★Texas Ratio: 5.32%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Account at 3.50% APY, and Midflorida Credit UnionMidflorida Credit Union11411 Lake Underhill Rd, Orlando, FL 32825A+5.0 ★Texas Ratio: 2.43%Real return: +0.70%APY minus 2.8% CPI (February 2026) Business Money Market at 3.50% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Orlando has 17 local institutions in our database, with money market rates as high as 4.01% APY from Total Direct Bank at 390 N Orange Ave, Orlando, FL 32801. Use the table below to compare all available offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Orlando, Florida and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Orlando, Florida & the Surrounding Area
Balances $2,500 and over; Balances of $2,500 - $249,999.99; Balances of $250,000 or more
Balance: $25,000
Guaranteed for 6 months ON ALL BALANCES. For Consumer Accounts Only. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY in effect for that account. Fees may reduce earnings. Additional terms and conditions apply. This promotional Money Market Account is available to new clients who have never held an account with BankUnited, N.A., or to existing clients who deposit new funds not currently on deposit with us. New funds are funds not currently on deposit with BankUnited and not transferred from another BankUnited account.
Balance: $100,000 & above; New money only
New money only; Balance: $100,000 & above
Balance: $1,000,000.01 & over
Balance: $500,000 and over
Balance: $250,000 and more
Balance: Up to $250,000
Balance: $0.01
Balance: $250,000.01 to $1,000,000.00
Balance: $100,000.01 to $250,000.00
Balance: $250,000 & Up
Balance: $250,000 - $499,999.99
Balance: $10,000
Balance: $10,000.01 to $100,000.00
Balance: $1,000,000+
Balance: $0.01 to $10,000.00
Balance: $100,000 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000 to $249,999
Balance: $500,000 and over
$1; Comparison to FL Average
Balance: $500,000 and over
Balance: $250,000 - $999,999
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999
Balance: $250,000 & above
Balance: $100,000 - $249,999
Balance: $250,000 & above
Balance: $10,000.00 - $99,999.99
Balance: $10,000.00 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $2,000,000 to $4,999,999.99
Balance: $50,000 - $99,999
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $1,000 - $99,999 (avg.); Based on average daily balance
Based on average daily balance; Balance: $1,000 - $99,999 (avg.)
Balance: $25,000 - $49,999.99
Balance: $1,000,000 +
Balance: $1,000 - $49,999
Balance: $1,000 - $24,999.99
Balance: $25,000 - $49,999
Balance: $0.01 - $9,999.99
Balance: $0.01 - $9,999.99
Balance: $10,000 - $99,999.99
Balance: $250,000 - $999,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999
Balance: $0 - $999.99
Balance: $10,000 - $24,999
Balance: Min. $1,000 - $9,999
Balance: $500,000 to $1,999,999.99
Balance: $100,000 to $499,999.99
Balance: $2,000,000 to $4,999,999.99
Balance: $25,000 - $49,999.99
Balance: $2,500 - $9,999
Balance: $25,000 - $49,999
Balance: $100,000 & above
Balance: $100,000 & above
Balance: $100,000 - $249,999
Balance: $25,000 - $49,999
Balance: $0 - $24,999
Balance: $500,000 to $1,999,999.99
Balance: $100,000 to $499,999.99
Balance: $50,000 - $99,999
Balance: $0 - $24,999
Balance: $50,000 to $99,999.99
Balance: $15,000 to $49,999.99
Balance: $0 to $14,999.99
To qualify for the advertised APY, account holder must maintain their primary business checking relationship with Climate First Bank. If the Primary business checking relationship is not maintained, the account will earn 0.60% APY. E-statements are provided at no charge, and paper statements are available for a $10.00 monthly fee.
If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the APY will be 0.05%. Rates accurate as of 3-09-26 and subject to change. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee. A monthly service charge of $15.00 will be assessed if the daily minimum balance falls below $5,000.00. New Money Only: defined as funds not previously held at Climate First Bank.
About Money Market
Preferred rates; New money required
Preferred rates; New money required
Balance: $1,000,000 - $9,999,999.99
No service charges or monthly fees.
This is a variable rate account; balances from $100 and over receive 3.50% APY. Must open an account by 10/09/2026, to get the promotional rate. Stated offer is valid only for Domestic Personal Account customers.
Balance: $100,000 - $249,999.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $250,000+
Balance: $25,000.00 to $2,000,000.99
Balance: $0 - $99,999.99
Minimum: $50,000 - $249,999.99; 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.
Orlando, FL Money Market Rate Trends
Compare local Orlando, FL 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.
Florida high-yield MMA rates rose 0.008 points over the past 7 days to 3.063% APY.
Florida standard MMA rates fell 0.042 points over the past 7 days to 0.731% APY.
Orlando, Florida Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current FL high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 FL high-yield money market average of 3.063% 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 60–90 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 Orlando, Florida.
Money Market Account Earnings in Orlando, Florida
Annual interest earnings at current FL 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 (3.063% APY) | Monthly Earnings | Standard MMA (0.731% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.26 / year | $25.52 | $73.07 / year | $6.09 |
| $25,000 | $765.65 / year | $63.80 | $182.68 / year | $15.22 |
| $50,000 | $1,531.30 / year | $127.61 | $365.35 / year | $30.45 |
| $100,000 | $3,062.60 / year | $255.22 | $730.70 / year | $60.89 |
| 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: Orlando, Florida money market rate averages as of September 23, 2026. | ||||
About Our Orlando, Florida Money Market Rate Database
MonitorBankRates found 17 institutions with branches in Orlando (7 banks, 10 credit unions), plus 22 additional state-chartered and national online institutions available to Orlando residents. 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 (1–5), 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: Total Direct Bank offers a money market account at 4.01% APY with a minimum deposit of $25,000. Use the rate table above to compare all current offers in Orlando, Florida.
How to Find the Best Money Market Rates in Orlando, Florida
What to compare when shopping for a money market account in Orlando, Florida
To find the best money market APYs in Orlando, Florida, start with credit unions and online-only banks: Orlando, Florida has 23 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–$25,000, with lower rates (or monthly fees) below that threshold. The current FL high-yield money market average is 3.063% but top local institutions are offering as high as 4.01%, 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. Orlando, Florida high-yield money market rates currently average 3.063% 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 Orlando, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 39 institutions in Orlando, Florida 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 → Orlando, Florida CD rates
- You don’t need check writing and want a lower minimum → Orlando, Florida savings rates
- You need daily transaction access → Orlando, Florida checking rates
Orlando, Florida Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.3% of residents are 65 or older, below the national average of 17.3%. At today’s FL high-yield money market average of 3.063%, saving 10% of the local median salary ($4,235/year) would earn an additional $130 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Orlando, Florida Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Orlando, Florida.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 3.063% | View Savings Rates | 0.731%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Orlando, Florida averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Orlando, Florida 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 Orlando, Florida 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 Orlando, Florida
At FL’s top money market rate of 4.01% from Total Direct Bank, a $10,000 deposit earns $401 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Orlando, Florida earner is roughly $10,600. At 3.063% APY in a money market account, saving $880/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountFlorida’s high-yield money market average is 3.063% 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 Orlando, Florida earner makes $42,355/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.063% APY.
Retirement PlannerA $25,000 money market balance earning 3.063% APY grows to roughly $45,705 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 Orlando, Florida 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 Orlando, Florida 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 Orlando, Florida. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in FL.
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 Orlando, Florida
What is a Money Market Account (MMA)?
Are Money Market accounts in Orlando, Florida safe?
How often do MMA rates change in Orlando, Florida?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Orlando, Florida?
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 Orlando, Florida for money market accounts?
Best Money Market Rates in Orlando, Florida
- Total Direct Bank
Online Money Market Deposit Account: 4.01% APY - Axiom Bank
Fed Funds Variable Money Market: 3.64% APY - BankUnited
Promotional Money Market Account: 3.50% APY - Together Credit Union
Money Market Account: 3.50% APY - Midflorida Credit Union
Business Money Market: 3.50% APY
Orlando, Florida Rates & Resources
