Best Money Market Rates in Orlando, Florida (FL) - April 2026
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Brian McKay
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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 Orlando, Florida and the surrounding area money market rates include Climate First BankClimate First BankA+5.0 ★Texas Ratio: 0.00% Business Money Market at 4.26% APY, Total Direct BankTotal Direct Bank390 N Orange Ave, Orlando, FL 32801A5.0 ★Texas Ratio: 6.04% Money Market Account at 4.01% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit UnionA+5.0 ★Texas Ratio: 2.47% Max Money Market at 4.00% APY, Dort Financial Credit UnionDort Financial Credit UnionA+5.0 ★Texas Ratio: 5.65% Public Funds Money Market at 4.00% APY, and Blue Coast Federal Credit UnionBlue Coast Federal Credit UnionA+5.0 ★Texas Ratio: 4.37% Business Money Market Account at 4.00% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.
Orlando has 14 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 — 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: April 22, 2026
Compare the Best Money Market Rates Today in Orlando, Florida & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Total Direct Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
Money Market Account
4.01%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 22, 2026
Details
For balances $2,500 and over
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
7007 Sea World Dr, Orlando, FL 32821 8097
Money Market
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
7007 Sea World Dr, Orlando, FL 32821 8097
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
New money only
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd, Orlando, FL 32825
Business Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
4530 S Semoran Blvd, Orlando, FL 32822 2408
Regular Money Market Accounts
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
The Higher the Amount the Higher the Interest Rate.
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd, Orlando, FL 32825
Business Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
715 S Goldwyn Ave, Orlando, FL 32805
SMB Money Market
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.62%
715 S Goldwyn Ave, Orlando, FL 32805
Axiom® Select Money Market
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Enhanced Money Market Savings
3.20%
$10,000
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $10,000
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd, Orlando, FL 32825
Business Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Money Market Accounts (Personal and Business)
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Money Market Savings
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
4530 S Semoran Blvd, Orlando, FL 32822 2408
High Yield Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifying balance up to $24,999.00; High yield checking required
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Down Payment Savings Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
Money Market
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Down Payment Savings Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Money Market Savings
2.90%
$2,500
▼
Rate2.86%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Down Payment Savings Money Market
2.80%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
13705 International Dr S, Orlando, FL 32821 5411
Money Market Savings
2.80%
$2,500
▼
Rate2.77%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Minimum to open is $2,500
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
11411 Lake Underhill Rd, Orlando, FL 32825
Business Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Money Market Accounts (Personal and Business)
2.66%
$0
▼
Rate2.63%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Money Market Accounts (Personal and Business)
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
1.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
1.01%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.99%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.95%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.76%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
60 N Court Ave Fl 1, Orlando, FL 32801
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Learn More
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
60 N Court Ave Fl 1, Orlando, FL 32801
TotalView Money Market Savings
0.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Learn More
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
60 N Court Ave Fl 1, Orlando, FL 32801
TotalView Money Market Savings
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Learn More
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Money Market Accounts (Personal and Business)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
60 N Court Ave Fl 1, Orlando, FL 32801
Money Market Savings
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Open Now
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
60 N Court Ave Fl 1, Orlando, FL 32801
Money Market Savings
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Open Now
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Money Market Accounts (Personal and Business)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.08%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
Money Market
0.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
Climate First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
4.26%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Terms Apply.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Max Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Business Money Market Account
4.00%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
$10,000 Minimum Balance to earn the 4.00% Annual Percentage Yield
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn between 3.20%-3.82% APY based on your zip code; Minimum of $25,000 not currently deposited at Huntington.
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
MONEY MARKET
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 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—
UpdatedApr 19, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Business Money Market Products
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers*
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
High-Yield Money Market Tiers
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
No service charges or monthly fees.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
No minimum deposit required when you open a Business Money Market Account.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Platinum Money Market
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market Products
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$500,000 & up
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.40%
$0
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Business Money Market Products
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Up to $2,499
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market - Personal & Business
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $10,000.00
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Public Funds Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$250,000 - $499,999
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—
UpdatedApr 18, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Money Market Products
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$250,000 - $499,999
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
3.05%
$0
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Daily Money Market
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
High-Yield Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn premium rates while maintaining easy access to your money.
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
MORE Money Market Savings
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $50,000.00
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
3.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Premium Money Market Savings
2.90%
$0
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Premier Money Market
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Indexed Money Market Account
2.81%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market
2.75%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Signature Money Market (Personal)
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.71%
BayLive Money Market
2.59%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Qualifications Required: 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.; Earn 2.59% APY on balances of $50,000 or more; Must have an active BayLive checking account to receive this rate.
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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 Orlando, Florida 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.
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.
High-Yield MMA — FL Avg
3.527%
▼ 0.005 vs 7 days ago
Florida high-yield MMA rates fell 0.005 points over the past 7 days to 3.527% APY.
Standard MMA — FL Avg
0.561%
▲ 0.015 vs 7 days ago
Florida standard MMA rates rose 0.015 points over the past 7 days to 0.561% APY.
As of Apr 23, 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 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)?
A Money Market Account (MMA) is a type of savings 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 Florida.
Are Money Market accounts in Orlando, Florida 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 Florida up to $250,000 per depositor, per institution.
How often do MMA rates change in Orlando, Florida?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida 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.
Best Money Market Rates in Orlando, Florida
Here are some of the highest money market account APYs currently available in Orlando, Florida and the surrounding area:
- Climate First Bank
Business Money Market — 4.26% APY - Total Direct Bank
Money Market Account — 4.01% APY - LMCU Lake Michigan Credit Union
Max Money Market — 4.00% APY - Dort Financial Credit Union
Public Funds Money Market — 4.00% APY - Blue Coast Federal Credit Union
Business Money Market Account — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Orlando, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026
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