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Money Market Accounts

Earn more on your savings without locking up your money.

Grow your savings with tiered dividend rates while maintaining convenient access to your funds. A Floridacentral Money Market Account is ideal for members who want to earn more than a traditional savings account while keeping their money available for emergencies, future purchases, and other financial goals. 

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Earn More

Looking for the highest earning potential? The Mega Money Market Account rewards larger balances with one of Floridacentral’s highest money market dividend rates. Earn 1.25% APY1 on balances of $40,000 or more while keeping your savings accessible when you need them.

Worry Less

Save with confidence knowing your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law. Manage your account anytime with Online and Mobile Banking, enjoy unlimited in-person transactions at any branch, and receive three free electronic withdrawals or checks each month.

Account Features

  • Earn 1.25% APY1 on balances of $40,000 or more
  • Balances below $40,000 earn 0.01% APY and are subject to a $20 monthly service charge
  • Receive three free electronic withdrawals or checks each month; additional withdrawals are $5 each
  • Minimum withdrawal amount is $100. Checks under $100 are subject to a $5 fee
  • Accounts closed within the first 90 days are subject to a $100 early closure fee

Earn More

If you’re building your savings and want to earn more than a traditional savings account, the Standard Money Market Account offers competitive tiered dividend rates while keeping your money accessible. With a $2,500 minimum opening deposit, it’s a great option for members who want higher earnings without giving up flexibility.

Worry Less

Your savings are federally insured by the National Credit Union Administration (NCUA), so you can save with confidence. Access your money whenever you need it through Online and Mobile Banking, enjoy unlimited in-person branch transactions, and receive three free electronic withdrawals or checks each month.

Account Features

  • Open your account with a $2,500 minimum deposit
  • Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance
  • Receive three free electronic withdrawals or checks each month; additional withdrawals are $5 each
  • Minimum withdrawal amount is $100. Checks under $100 are subject to a $5 fee

Earn More Without Giving Up Access

Unlike savings options that lock your money away for a set term, Money Market Accounts let you earn competitive dividends while keeping your funds available when you need them. It’s a flexible way to grow your savings for emergencies, major purchases, or future opportunities.

Bank Anytime, Anywhere

Monitor your balance, transfer funds, and manage your savings with secure Online and Mobile Banking. Whether you’re at home or on the go, your account is always within reach.

Grow with Floridacentral

As your savings grow, Floridacentral offers additional options such as Share Certificates and IRAs to help you continue building toward your long-term financial goals.

Money Market Account Rates

Account TypeRate2APR3
Mega Money Market: $40,000 and more11.24%1.25%
Money Market: $2,500-$24,999.990.01%0.01%
Money Market: $25,000-$49,999.990.01%0.01%
Money Market: $50,000-$99,999.990.01%0.01%
Money Market: $100,000-249,999.990.01%0.01%
Money Market: $250,000 and more0.01%0.01%

Keep Building Toward Your Goals

The right savings account is just the beginning. Explore additional products designed to help you make the most of your money.

Regular Savings

Build your emergency fund or everyday savings while keeping your money within easy reach.

Learn More

Share Certificates

Lock in a competitive fixed rate and watch your savings grow with guaranteed returns.

Learn More

Personal Checking

Pair your savings with a checking account designed for everyday banking.

Learn More

Financial Wellness

Explore calculators, articles, and educational resources to help you make informed financial decisions.

Learn More

Money Market Account FAQs

Have questions about Money Market Accounts? Whether you’re looking to earn more on your savings or deciding which account best fits your financial goals, we’re here to help.

Both accounts help you save, but a Money Market Account offers tiered dividend rates that reward higher balances. If you’ve built up your savings and want to earn more while maintaining access to your money, a Money Market Account may be the better fit.

A Money Market Account may be a great choice if you:

  • Have a larger savings balance.
  • Want higher earnings than a traditional savings account.
  • Need occasional access to your money.
  • Are saving for a large purchase or building an emergency fund.

Yes. Your savings remain accessible, making a Money Market Account a flexible option for planned expenses, unexpected needs, and long-term savings goals.

The Standard Money Market Account requires a $2,500 minimum opening deposit. The Mega Money Market Account is designed for members who maintain balances of $40,000 or more to earn its highest dividend rate. See our current rates or contact our team for complete details.

If you want ongoing access to your savings while earning competitive dividends, a Money Market Account may be the better option. If you don’t need access to your money for a set period and want to lock in a fixed dividend rate, a Share Certificate may be a better fit.

Yes. Deposits at Floridacentral Credit Union are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you reach your savings goals.

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Disclosures

1 The annual percentage yield (APY) is effective as of September 30, 2026. The interest rate and APY may change at any time after the account is opened. The dividend period is monthly. The dividend declaration date is the last day of the dividend period. Interest is calculated by the daily balance method and will be compounded and credited monthly. Offer is subject to end or change at any time without notice. The minimum deposit to open this account and the balance that must be maintained to earn the stated APY is $40,000. When the balance falls below the minimum, the APY is 0.01% APY and a monthly service charge of $20 will apply. To avoid a $100 early closure fee, the account must remain open for a minimum of 90 days. Fees may reduce earnings. Available for personal and business accounts. Must be a Floridacentral member or meet membership eligibility requirements. Full account disclosures are available upon request.

2 Share and Checking account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.

3 APR - Annual Percentage Rate.