Georgia Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Georgia money market deposit account rates include First Commerce Credit UnionFirst Commerce Credit Union1830 Norman Dr Ste B, Valdosta, GA 31601 8448A+5.0 ★Texas Ratio: 3.72%Real return: +1.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 4.00% APY, Workmens Circle Incorporated Credit UnionWorkmens Circle Incorporated Credit Union527 Stephenson Ave, Savannah, GA 31405 5922A+5.0 ★Texas Ratio: 0.00%Real return: +0.95%APY minus 2.8% CPI (February 2026) Share/IRA Money Market/Platinum Plus at 3.75% APY, RBC Bank, (Georgia)RBC Bank, (Georgia)3550 Lenox Rd Ne, Atlanta, GA 30326A+5.0 ★Texas Ratio: 1.90%Real return: +0.80%APY minus 2.8% CPI (February 2026) U.S. Business Money Market Savings at 3.60% APY, New Millennium BankNew Millennium Bank3350 Steve Reynolds Blvd, Duluth, GA 30096A+5.0 ★Texas Ratio: 3.49%Real return: +0.70%APY minus 2.8% CPI (February 2026) SMART Money Market Account at 3.50% APY, and Together Credit UnionTogether Credit Union100 Busch Dr NE, Cartersville, GA 30121 7217A+5.0 ★Texas Ratio: 5.32%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Account at 3.50% APY. Money market rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Georgia side-by-side. Georgia money market rates currently reach as high as 4.00% APY from First Commerce Credit Union at 1830 Norman Dr Ste B, Valdosta, GA 31601 8448. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Georgia and surrounding area. Last Updated and Verified: September 21, 2026
Compare the Best Money Market Rates Today in Georgia
Balance: Up to $9,999.99. APY is variable and may change at any time. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
Balance: above - $999,999.99
Balance: $250,000.00 +
If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $1,000,000.00 and over
Balance: $100,000 & above; New money only
Balance: $100,000 & above; New money only
Balance: $250,000.00 - $999,999.99
$15,000+; Intro rate
$15,000+ Intro rate APY; Dividend Rate
Balance: $250,000+
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $500,000.00 - $999,999.99
Balance: $100,000.00 - $249,999.99
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance: $1,000,000 - and above
Balance: $1,000,000 - and above
Balance: $75,000 - over
Balance: $1,000,000 and over
Balance: Over $250,000
If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $250,000.00 - $499,999.99
Balance: $250,000 & Greater ($150,000-$249,999) ($100,000-$149,999) ($25,000 - $99,999)
Balance: $20,000.00 - $99,999.99
Balance: $10,000.00 - $24,999.99; Balance: $10,000.00 - $24,999.99. APY is variable and may change at any time. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Level 1. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance Tiers $0 - $9,999.99 | 0.05% APY $10,000 - $99,999.99 | 2.60% APY $100,000 + | 2.80% APY
Balance: $25,000 - $74,999.99
If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply; Balance: $100,000.00 - $249,999.99
Level 1. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance: $50,000 and up
Earn up to 2.75% APY* on balances of $50,000 or more and pay no monthly service fees. No dividends are earned on average daily balances of $499.99 or less.
Balance: $100,000 - $249,999
Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance Tiers $0 - $9,999.99 | 0.05% APY $10,000 - $99,999.99 | 2.60% APY $100,000 + | 2.80% APY
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $100,000 - $249,999.99
Balance: $250,000 or more
Balance: $100,001- $250,000
if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $500,000.01 and over
Balance: $250,000 & Greater ($150,000-$249,999) ($100,000-$149,999) ($25,000 - $99,999)
Balance: $25,000.00 - $49,999.99
$100,000; Balance: $100,000 & More; Good Through: September 30, 2026
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $10,000 - $24,999.99
Balance: $50,001- $100,000
if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $250,000.01 - $500,000.00
Balance: $100,000.00 & Over; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.
Balance: $250,000 & Greater ($150,000-$249,999) ($100,000-$149,999) ($25,000 - $99,999)
Level 1. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate.
Balance: $1,000,000.00 - and up
Balance: $250,000 - $499,999.99
Balance: $250,000 - $499,999.99
Balance: $1,000,000 & higher
Balance: $10,000 - $99,999.99
Balance: $25,001- $50,000
Balance: $2,000 - $9,999.99
if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $100,000.00 - $250,000.00
Balance: $50,000.00 - $249,999.99
Balance: $250,000 & Greater ($150,000-$249,999) ($100,000-$149,999) ($25,000 - $99,999)
Balance: $500,000.00 - $999,999.99
Balance: $1,000,000.00 - and above
Balance: $50,000 - $99,999
Balance: $25,000.00 - $49,999.99; Balance: $25,000.00 - $49,999.99. APY is variable and may change at any time. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required.
Balance: $250,000 and above
Balance: $10,000.00 - $24,999.99
APY accurate as of 12/17/25. A $10.00 balance requirement fee will be charged is the balance falls below $2,500 on any day of the monthly statement cycle. Fees may reduce earnings. Free initial basic Mastercard debit card. Free monthly statements. Free online banking with unlimited Bill Pay services.
Balance: $100,000 - $250,000
Balance: $250,000 & above
if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply; Balance: $1,000.00 - $99,999.99
Balance: $50,000 - $249,999.99
Balance: $50,000 - $249,999.99
Balance: $100,000 - $249,999
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.
Georgia Money Market Rate Trends
Compare local Georgia 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.
Georgia high-yield MMA rates rose 0.023 points over the past 7 days to 3.060% APY.
Georgia standard MMA rates fell 0.021 points over the past 7 days to 0.732% APY.
Georgia Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current GA 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 GA high-yield money market average of 3.060% 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 Georgia.
Money Market Account Earnings in Georgia
Annual interest earnings at current GA 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 (3.060% APY) | Monthly Earnings | Standard MMA (0.732% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.00 / year | $25.50 | $73.15 / year | $6.10 |
| $25,000 | $765.00 / year | $63.75 | $182.88 / year | $15.24 |
| $50,000 | $1,530.00 / year | $127.50 | $365.75 / year | $30.48 |
| $100,000 | $3,060.00 / year | $255.00 | $731.50 / year | $60.96 |
| 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: Georgia money market rate averages as of September 22, 2026. | ||||
About Our Georgia Money Market Rate Database
MonitorBankRates tracks 36 money market rates from 8 banks and 28 credit unions offering money market deposit accounts to Georgia residents, including community institutions, regional banks, and national online options. 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: First Commerce Credit Union offers a money market account at 4.00% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Georgia.
How to Find the Best Money Market Rates in Georgia
What to compare when shopping for a money market account in Georgia
To find the best money market APYs in Georgia, start with credit unions and online-only banks: Georgia has 28 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 GA high-yield money market average is 3.060% but top local institutions are offering as high as 4.00%, 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. Georgia high-yield money market rates currently average 3.060% 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 Georgia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 36 institutions in Georgia 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 → Georgia CD rates
- You don’t need check writing and want a lower minimum → Georgia savings rates
- You need daily transaction access → Georgia checking rates
Georgia Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.0% of residents are 65 or older, below the national average of 17.3%. At today’s GA high-yield money market average of 3.060%, saving 10% of the local median salary ($4,381/year) would earn an additional $134 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Georgia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Georgia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current GA Avg APY | 3.060% | View Savings Rates | 0.732%(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 Georgia averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Georgia 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 Georgia 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 Georgia
At GA’s top money market rate of 4.00% from First Commerce Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Georgia earner is roughly $11,000. At 3.060% APY in a money market account, saving $910/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountGeorgia’s high-yield money market average is 3.060% 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 Georgia earner makes $43,815/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.060% APY.
Retirement PlannerA $25,000 money market balance earning 3.060% APY grows to roughly $45,682 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 Georgia 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 Georgia 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 Georgia. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in GA.
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 Georgia
What is a Money Market Account (MMA)?
Are Money Market accounts in Georgia safe?
How often do MMA rates change in Georgia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Georgia?
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 Georgia for money market accounts?
Best Money Market Rates in Georgia
- First Commerce Credit Union
Momentum Money Market: 4.00% APY - Workmens Circle Incorporated Credit Union
Share/IRA Money Market/Platinum Plus: 3.75% APY - RBC Bank, (Georgia)
U.S. Business Money Market Savings: 3.60% APY - New Millennium Bank
SMART Money Market Account: 3.50% APY - Together Credit Union
Money Market Account: 3.50% APY
Cities in Georgia
