MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Georgia Money Market Rate Trends

Valdosta, Georgia Money Market Rates - October 2026

Valdosta, Georgia money market account rates range from 0.10% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Valdosta, Georgia and the surrounding area 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: 3.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Momentum Money Market at 4.00% APY, Southeastern Credit UnionSoutheastern Credit Union3501 N Valdosta Rd, Valdosta, GA 31602 1068A+5.0 ★Texas Ratio: 2.70%Real return: +0.23%APY minus 2.8% CPI (February 2026) Performance Money Market at 3.03% APY, Valdosta Teachers Federal Credit UnionValdosta Teachers Federal Credit Union102 E Force St, Valdosta, GA 31601 3904A5.0 ★Texas Ratio: 6.87%Real return: -2.05%APY minus 2.8% CPI (February 2026) Money Market at 0.75% APY, LOCOGA Federal Credit UnionLOCOGA Federal Credit Union1592 Norman Dr, Valdosta, GA 31601 3581A5.0 ★Texas Ratio: 10.04%Real return: -2.30%APY minus 2.8% CPI (February 2026) Money Market Accounts at 0.50% APY, and Guardian BankGuardian Bank1914 N Ashley St, Valdosta, GA 31602A+5.0 ★Texas Ratio: 5.47%Real return: -2.40%APY minus 2.8% CPI (February 2026) Personal Money Market at 0.40% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.

Valdosta has 6 local institutions in our database, with money market rates as high as 4.00% APY from First Commerce Credit Union at 1830 Norman Dr Ste B, Valdosta, GA 31601 8448. Use the table below to compare all available offers, including options from institutions serving the broader Georgia area. Rates are continually updated, so we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Valdosta, Georgia and surrounding area. Last Updated and Verified: October 13, 2026

Compare the Best Money Market Rates Today in Valdosta, Georgia & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
4.00%
$2,500
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
3501 N Valdosta Rd, Valdosta, GA 31602 1068
Performance Money Market
3.03%
N/A
▼
Rate3.00%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: Over $250,000

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000.00 - $24,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
3501 N Valdosta Rd, Valdosta, GA 31602 1068
Performance Money Market
2.52%
N/A
▼
Rate2.50%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,001- $250,000

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
3501 N Valdosta Rd, Valdosta, GA 31602 1068
Performance Money Market
2.27%
N/A
▼
Rate2.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,001- $100,000

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
3501 N Valdosta Rd, Valdosta, GA 31602 1068
Performance Money Market
2.02%
N/A
▼
Rate2.00%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,001- $50,000

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
2.00%
$2,500
▼
Rate1.98%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000.00 - $49,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
3501 N Valdosta Rd, Valdosta, GA 31602 1068
Performance Money Market
1.76%
N/A
▼
Rate1.75%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $1,000- $25,000

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
1.50%
$2,500
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,000.00 - $99,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
1.14%
$2,500
▼
Rate1.14%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $500,000.00 and above; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.

Rate History
2 changes since Sep 14, 2026 · 1.14% → 1.14% ▼ 0.00 pts · high 1.14% / low 1.09%
0.59%1.12%1.64%Sep 14, 2026: 1.14% APYSep 18, 2026: 1.09% APYSep 22, 2026: 1.14% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20261.14%▲ from 1.09%
  • Sep 18, 20261.09%▼ from 1.14%
  • Sep 14, 20261.14%first recorded
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
1.10%
$2,500
▼
Rate1.09%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $250,000.00 - $499,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
1.05%
$2,500
▼
Rate1.05%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000.00 - $249,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 18, 2026 · 1.05% APY · checked 4 times
0.55%1.05%1.55%Sep 18, 2026: 1.05% APYSep 18, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000.00 - $249,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000.00 - $249,999.99; A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
Valdosta Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
102 E Force St, Valdosta, GA 31601 3904
Money Market
0.75%
$1,000
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000.00 and over; Limitations: Transfer*; Dividends compounded and credited monthly; Average Daily Balance Method

Rate History
No change since Sep 21, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 21, 2026: 0.75% APYSep 21, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Momentum Money Market
0.75%
$2,500
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $250,000.00 - $499,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. 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. Federally insured by NCUA.

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.75%
$2,500
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,000.00 - $99,999.99; A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Valdosta Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
102 E Force St, Valdosta, GA 31601 3904
Money Market
0.65%
$1,000
▼
Rate0.65%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000.00 - $24,999.99; Limitations: Transfer*; Dividends compounded and credited monthly; Average Daily Balance Method

Rate History
No change since Sep 21, 2026 · 0.65% APY · checked 7 times
0.15%0.65%1.15%Sep 21, 2026: 0.65% APYSep 21, 2026Oct 14, 2026
Valdosta Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
102 E Force St, Valdosta, GA 31601 3904
Money Market
0.55%
$1,000
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500.00 - $9,999.99; Limitations: Transfer*; Dividends compounded and credited monthly; Average Daily Balance Method

Rate History
No change since Sep 21, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 21, 2026: 0.55% APYSep 21, 2026Oct 14, 2026
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
1592 Norman Dr, Valdosta, GA 31601 3581
Money Market Accounts
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000.00 and above; Dividends compounded and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000.00 - $49,999.99; A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Guardian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
1914 N Ashley St, Valdosta, GA 31602
Personal Money Market
0.40%
N/A
▼
Rate0.40%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: More than $250,000

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
Georgia Power Valdosta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
1707 Dow St, Valdosta, GA 31601
Money Market Account
0.40%
$2,500
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000 and over; Transfer & Withdraw; Dividends compounded monthly and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
1592 Norman Dr, Valdosta, GA 31601 3581
Money Market Accounts
0.40%
$1,000
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000.00 - $49,999.00; Dividends compounded and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.40%
$2,500
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000.00 - $24,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
Valdosta Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
102 E Force St, Valdosta, GA 31601 3904
Money Market
0.35%
$1,000
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $1,000.00 - $2,499.99; Limitations: Transfer*; Dividends compounded and credited monthly; Average Daily Balance Method

Rate History
No change since Sep 21, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 21, 2026: 0.35% APYSep 21, 2026Oct 14, 2026
Georgia Power Valdosta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
1707 Dow St, Valdosta, GA 31601
Money Market Account
0.35%
$2,500
▼
Rate0.35%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000 - 24,999.99; Transfer & Withdraw; Dividends compounded monthly and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
1592 Norman Dr, Valdosta, GA 31601 3581
Money Market Accounts
0.35%
$1,000
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000.00 - $24,999.99; Dividends compounded and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.35%
$2,500
▼
Rate0.35%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000.00 - $24,999.99; A $10 monthly fee will be assessed on balances below $2,500.

Rate History
1 change since Sep 14, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35%
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 18, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20260.35%▼ from 0.40%
  • Sep 14, 20260.40%first recorded
Guardian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
1914 N Ashley St, Valdosta, GA 31602
Personal Money Market
0.30%
N/A
▼
Rate0.30%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000 to $249,999

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Georgia Power Valdosta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
1707 Dow St, Valdosta, GA 31601
Money Market Account
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500 - 9,999.99; Transfer & Withdraw; Dividends compounded monthly and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
LOCOGA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.04%
1592 Norman Dr, Valdosta, GA 31601 3581
Money Market Accounts
0.30%
$1,000
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500.00 - $9,999.99; Dividends compounded and credited monthly; Average Daily Balance

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Guardian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
1914 N Ashley St, Valdosta, GA 31602
Personal Money Market
0.25%
N/A
▼
Rate0.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 to $99,999

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Guardian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
1914 N Ashley St, Valdosta, GA 31602
Personal Money Market
0.15%
N/A
▼
Rate0.15%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000 to $24,999

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000.00 - $24,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.

Rate History
1 change since Sep 14, 2026 · 0.40% → 0.15% ▼ 0.25 pts · high 0.40% / low 0.15%
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYOct 10, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20260.15%▼ from 0.40%
  • Sep 14, 20260.40%first recorded
Guardian Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
1914 N Ashley St, Valdosta, GA 31602
Personal Money Market
0.10%
N/A
▼
Rate0.10%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: Under $1,000

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1830 Norman Dr Ste B, Valdosta, GA 31601 8448
Money Market Account
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: Up to $9,999.99; A $10 monthly fee will be assessed on balances below $2,500.

Rate History
1 change since Sep 14, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 0.15% / low 0.10%
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 18, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20260.10%▼ from 0.15%
  • Sep 14, 20260.15%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
4.00%
N/A
▼
Rate3.93%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: above - $999,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
High-Yield Money Market Tiers
3.75%
$25,000
▼
Rate3.69%
Min Deposit$25,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000 - $99,999; Minimum to open is $25,000; Restrictions apply

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 4.50% APYOct 13, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.75%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Select Money Market
3.75%
$100,000
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000

Rate History
1 change since Oct 5, 2026 · 1.51% → 3.75% ▲ 2.24 pts · high 3.75% / low 1.51%
0.00%3.00%5.99%Oct 5, 2026: 1.51% APYOct 9, 2026: 3.75% APYOct 5, 2026Oct 14, 2026
  • Oct 9, 20263.75%▲ from 1.51%
  • Oct 5, 20261.51%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.75%
N/A
▼
Rate3.69%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $250,000.00 - $999,999.99

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
U.S. Business Money Market Savings
3.60%
N/A
▼
Rate3.54%
Min DepositN/A
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $250,000.00 +

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
eMoney Market Special
3.51%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 7, 2026
Details

eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Max Money Market
3.50%
$1,000
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance $500,000 and over

Rate History
1 change since Sep 29, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
0.00%2.88%5.75%Sep 29, 2026: 1.25% APYOct 11, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
  • Oct 11, 20263.50%▲ from 1.25%
  • Sep 29, 20261.25%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SMART Money Market Account
3.50%
$100
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $1,000,000.00 and over; $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Select Money Market
3.50%
$100,000
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly

Rate History
2 changes since Oct 5, 2026 · 1.51% → 3.50% ▲ 1.99 pts · high 3.75% / low 1.51%
0.00%3.00%5.99%Oct 5, 2026: 1.51% APYOct 9, 2026: 3.75% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
  • Oct 13, 20263.50%▼ from 3.75%
  • Oct 9, 20263.75%▲ from 1.51%
  • Oct 5, 20261.51%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.50%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Money Market Special
3.50%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $15,000+; Intro rate

Rate History
1 change since Sep 14, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
0.00%2.88%5.75%Sep 14, 2026: 1.25% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Premier Money Market
3.45%
N/A
▼
Rate3.39%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $500,000.00 - or more

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Premier Money Market
3.40%
N/A
▼
Rate3.34%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $250,000.00 - $499,999.99

Rate History
No change since Sep 29, 2026 · 3.40% APY
2.90%3.40%3.90%Sep 29, 2026: 3.40% APYSep 29, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Quick Silver Money Market Account
3.40%
N/A
▼
Rate3.35%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $500,000+; Qualifications 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; 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

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Premier Money Market
3.35%
N/A
▼
Rate3.30%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $150,000.00 - $249,999.99

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 14, 2026
Southern Bank Sardis, GA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Southern Money Market
3.30%
N/A
▼
Rate3.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $2,500+

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Premier Money Market
3.30%
N/A
▼
Rate3.25%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $100,000.00 - $149,999.99

Rate History
No change since Sep 29, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 29, 2026: 3.30% APYSep 29, 2026Oct 14, 2026
P&S Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Business Money Market
3.30%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $250,000 and over; Paid: Monthly

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Quick Silver Money Market Account
3.30%
N/A
▼
Rate3.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $250,000 - $499,999.99; Qualifications 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; 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 o

Rate History
1 change since Sep 27, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15%
2.65%3.22%3.80%Sep 27, 2026: 3.15% APYOct 10, 2026: 3.30% APYSep 27, 2026Oct 14, 2026
  • Oct 10, 20263.30%▲ from 3.15%
  • Sep 27, 20263.15%first recorded
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Max Money Market
3.25%
$1,000
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 11, 2026
Details

Must maintain $2,500 average monthly balance to avoid monthly service charge of $10. After 6 debit transactions, $5 per transaction fee applies.

Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 29, 2026: 3.25% APYSep 29, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SMART Money Market Account
3.25%
$100
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $500,000.00 - $999,999.99; $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Premier Money Market
3.25%
N/A
▼
Rate3.20%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 29, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 29, 2026: 3.25% APYSep 29, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Money Market Account
3.25%
$10,000
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $1,000,000 and over; Rate effective 10/1/26

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
2.54%3.15%3.75%Sep 14, 2026: 3.04% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Workmens Circle Incorporated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Share/IRA Money Market/Platinum Plus
3.25%
N/A
▼
Rate3.21%
Min DepositN/A
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $20,000.00 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 10, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Advantage Money Market
3.20%
N/A
▼
Rate3.15%
Min DepositN/A
Min BalanceN/A
UpdatedSep 29, 2026
Details

Balance: $0.00 - or more

Rate History
No change since Sep 29, 2026 · 3.20% APY
2.70%3.20%3.70%Sep 29, 2026: 3.20% APYSep 29, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Business Money Market
3.06%
N/A
▼
Rate3.01%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000,000 - and above

Rate History
No change since Sep 11, 2026 · 3.06% APY · checked 7 times
2.56%3.06%3.56%Sep 11, 2026: 3.06% APYSep 11, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
3.06%
N/A
▼
Rate3.01%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000,000 - and above

Rate History
No change since Sep 11, 2026 · 3.06% APY · checked 7 times
2.56%3.06%3.56%Sep 11, 2026: 3.06% APYSep 11, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Premier Business Money Market
3.00%
N/A
▼
Rate2.96%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Business account

Rate History
No change since Oct 11, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 11, 2026: 3.00% APYOct 11, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Premier Money Market
3.00%
N/A
▼
Rate2.96%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Rate History
No change since Oct 11, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 11, 2026: 3.00% APYOct 11, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SMART Money Market Account
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $250,000.00 - $499,999.99; $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Simple Money Market
2.80%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 2, 2026
Details

Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY

Rate History
No change since Sep 27, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Sep 27, 2026: 2.80% APYSep 27, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Max Money Market
2.75%
$1,000
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 11, 2026
Details

Must maintain $2,500 average monthly balance to avoid monthly service charge of $10. After 6 debit transactions, $5 per transaction fee applies.

Rate History
No change since Sep 29, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 29, 2026: 2.75% APYSep 29, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
SMART Money Market Account
2.75%
$100
▼
Rate2.71%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100,000.00 - $249,999.99; $100.000.00 Minimum to open and to earn APY required minimum daily balance $100,000.00 If average daily balance falls below $100,000.00 during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Simple Money Market
2.60%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 2, 2026
Details

Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY

Rate History
No change since Sep 27, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Sep 27, 2026: 2.60% APYSep 27, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Business Money Market
2.54%
N/A
▼
Rate2.51%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $500,000 - $999,999.99

Rate History
No change since Sep 11, 2026 · 2.54% APY · checked 7 times
2.04%2.54%3.04%Sep 11, 2026: 2.54% APYSep 11, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
2.54%
N/A
▼
Rate2.51%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $500,000 - $999,999.99

Rate History
No change since Sep 11, 2026 · 2.54% APY · checked 7 times
2.04%2.54%3.04%Sep 11, 2026: 2.54% APYSep 11, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Money Market Account
2.50%
$1,000
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $500,000.01 and over; $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Money Market Account
2.25%
$1,000
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $250,000.01 - $500,000.00; $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Business Money Market
2.04%
N/A
▼
Rate2.02%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $250,000 - $499,999.99

Rate History
No change since Sep 11, 2026 · 2.04% APY · checked 7 times
1.54%2.04%2.54%Sep 11, 2026: 2.04% APYSep 11, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Money Market
2.04%
N/A
▼
Rate2.02%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $250,000 - $499,999.99

Rate History
No change since Sep 11, 2026 · 2.04% APY · checked 7 times
1.54%2.04%2.54%Sep 11, 2026: 2.04% APYSep 11, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market
2.02%
N/A
▼
Rate2.00%
Min DepositN/A
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000,000 & higher

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Money Market Account
2.00%
$1,000
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100,000.00 - $250,000.00; $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 14, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
U.S. Business Money Market Savings
2.00%
N/A
▼
Rate1.98%
Min DepositN/A
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $50,000.00 - $249,999.99

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Money Market Account
1.75%
$1,000
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $1,000.00 - $99,999.99; $1000.00 Minimum to open and earn APY and if daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply

Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 14, 2026
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 Valdosta, Georgia 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.

Top Money Market Rates from Valdosta, Georgia Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Guardian Bank
Personal Money Market
A+ 5.0 ★ TX: 5.47%
Min: N/A
0.40%
RBC Bank, (Georgia)
U.S. Business Money Market Savings
A+ 5.0 ★ TX: 1.90%
Min: N/A
3.60%
VirtualBank
eMoney Market Special
A+ 5.0 ★ TX: 5.76%
Min: N/A
3.51%
Loyal Trust Bank
Max Money Market
A+ 5.0 ★ TX: 5.99%
Min: $1,000
3.50%
New Millennium Bank
SMART Money Market Account
A+ 5.0 ★ TX: 3.44%
Min: $100
3.50%
CU Top 5 Credit Union Rates
First Commerce Credit Union
Momentum Money Market
A+ 5.0 ★ TX: 3.60%
Min: $2,500
4.00%
Southeastern Credit Union
Performance Money Market
A+ 5.0 ★ TX: 2.70%
Min: N/A
3.03%
Valdosta Teachers Federal Credit Union
Money Market
A 5.0 ★ TX: 6.87%
Min: $1,000
0.75%
LOCOGA Federal Credit Union
Money Market Accounts
A 5.0 ★ TX: 10.04%
Min: $1,000
0.50%
Georgia Power Valdosta Federal Credit Union
Money Market Account
A+ 5.0 ★ TX: 2.44%
Min: $2,500
0.40%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all money market products.
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Valdosta, GA Money Market Rate Trends

Compare local Valdosta, GA 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.

View Full Georgia MMA Trends
High-Yield MMA GA Avg
3.052%
▲ 0.009 vs 7 days ago

Georgia high-yield MMA rates rose 0.009 points over the past 7 days to 3.052% APY.

Standard MMA GA Avg
0.610%
▼ 0.070 vs 7 days ago

Georgia standard MMA rates fell 0.070 points over the past 7 days to 0.610% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

Valdosta, 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 to 2027.

Current HY MMA Avg, GA
3.052%
As of Oct 14, 2026
6-Month Forecast
3.101%
Fed hold assumed
12-Month Forecast
3.152%
Range: 2.902%, 3.351%

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 3.052% 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 to 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 Valdosta, Georgia.

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Money Market Account Earnings in Valdosta, 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 (3.052% APY) Monthly Earnings Standard MMA (0.610% APY) Monthly Earnings
$10,000 $305.15 / year $25.43 $61.02 / year $5.09
$25,000 $762.88 / year $63.57 $152.55 / year $12.71
$50,000 $1,525.75 / year $127.15 $305.10 / year $25.43
$100,000 $3,051.50 / year $254.29 $610.20 / year $50.85
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: Valdosta, Georgia money market rate averages as of October 14, 2026.
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6
Institutions with Money Market Rates in Valdosta
1 Banks 5 Credit Unions

About Our Valdosta, Georgia Money Market Rate Database

MonitorBankRates found 6 institutions with branches in Valdosta (1 bank, 5 credit unions), plus 30 additional state-chartered and national online institutions available to Valdosta 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 to 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 Valdosta, Georgia.

How to Find the Best Money Market Rates in Valdosta, Georgia

What to compare when shopping for a money market account in Valdosta, Georgia

To find the best money market APYs in Valdosta, Georgia, start with credit unions and online-only banks: Valdosta, Georgia has 27 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current GA high-yield money market average is 3.052% 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. Valdosta, Georgia high-yield money market rates currently average 3.052% 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 Valdosta, Georgia institutions keeps idle cash working harder while remaining fully accessible.
  • You prefer banking locally: 36 institutions in Valdosta, 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…

Valdosta, Georgia Financial Snapshot

Local demographics and economic context for savers . Source: U.S. Census Bureau

Population 65+
14.2%
National avg: 17.3%
Median Individual Earnings
$29,682
National avg: $47,340
Poverty Rate
26.1%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
MMA Earnings on 10% of Salary
$91/yr
At GA HY MMA avg 3.052% APY

14.2% of residents are 65 or older, below the national average of 17.3%. At today’s GA high-yield money market average of 3.052%, saving 10% of the local median salary ($2,968/year) would earn an additional $91 annually in interest.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

Money Market Accounts vs. Other Valdosta, Georgia Options

How money market deposit accounts compare to other deposit products available at banks and credit unions in Valdosta, Georgia.

Feature Money Market High-Yield Savings Standard Savings CD (12-Month)
Current GA Avg APY 3.052% View Savings Rates 0.610%(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 to $2,500 $0 to $100 $25 to $100 $500 to $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 Valdosta, Georgia averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Valdosta, 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 Valdosta, Georgia rate on the right to apply it instantly. Interest compounds monthly.

Interest Earned
$0
Total Contributions
$0
Ending Balance
$0

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.

Current Valdosta, Georgia Money Market Rates

Verified October 13, 2026, click a rate to use it
Rates shown are actual verified offers available in Valdosta, Georgia and statewide averages from our monitoring database. See the full rate table above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Valdosta, 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 Valdosta, 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 Valdosta, 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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution’s official website. Last Updated and Verified: October 13, 2026

Frequently Asked Questions about Money Market Accounts in Valdosta, Georgia

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 Georgia.

Are Money Market accounts in Valdosta, Georgia 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 Georgia up to $250,000 per depositor, per institution.

How often do MMA rates change in Valdosta, Georgia?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Georgia 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 Valdosta, Georgia?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Valdosta, Georgia 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.

Can I lose money in a Money Market Account?

No. You cannot lose your principal in a money market deposit account as long as the bank is FDIC insured or the credit union is NCUA insured, up to $250,000 per depositor. This makes MMAs different from money market mutual funds, which are investments and are not federally insured.

What is the difference between a Money Market Account and a Money Market Fund?

A Money Market Account (MMA) is a federally insured bank or credit union deposit account. A money market fund is a mutual fund investment offered by brokerages that is not FDIC or NCUA insured and can, in rare cases, lose value. The rates on this page are for insured money market deposit accounts.

Do I have to pay taxes on money market account interest?

Yes. Interest earned on money market deposit accounts is taxable income in the U.S. You will typically receive a Form 1099-INT if you earn more than $10 in interest annually.

Are online banks better than local banks in Valdosta, Georgia for money market accounts?

Online banks often offer higher money market APYs because they have lower overhead costs. However, local banks and credit unions in Valdosta, Georgia offer in-person service and may waive minimum balance requirements for existing customers, which some savers prefer.

Best Money Market Rates in Valdosta, Georgia

Here are some of the highest money market account APYs currently available in Valdosta, Georgia and the surrounding area:
  • First Commerce Credit Union
    Momentum Money Market: 4.00% APY
  • Southeastern Credit Union
    Performance Money Market: 3.03% APY
  • Valdosta Teachers Federal Credit Union
    Money Market: 0.75% APY
  • LOCOGA Federal Credit Union
    Money Market Accounts: 0.50% APY
  • Guardian Bank
    Personal Money Market: 0.40% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Valdosta, Georgia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: October 13, 2026

Valdosta, Georgia Rates & Resources