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Money Market Savings

Earn higher rates on your larger balance with our tiered rate structure. Enjoy enhanced access to your funds with direct check-writing ability.

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Money Market Account

Our money market account offers better earnings on your money than a savings account, plus access to your funds via check writing. Get a great return on your money, and since there's no time frame for maturity, there's no penalty for early withdrawal. Your money is easily accessible when you need it. This account has it all! 

  • Higher returns than regular savings
  • Tiered rate structure rewards higher balances
  • Balances over $2,500 earn dividends
  • Limited check-writing privileges
  • 3 free withdrawals per month^ and $5 each thereafter
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • Unlimited in-person transactions
  • Unlimited Member Services Call Center access
  • 3 free calls to Call 24 telephone banking; 50¢ each thereafter
  • NCUA insured up to $250,000

Mega Money Market Account

Looking for a local place to bank where you can earn a great rate without tying up your money? Floridacentral has a new Mega Money Market that checks all those boxes. Plus, you'll have peace of mind knowing that your deposits are Federally Insured by the NCUA.

Earn More

Earn more than you would with a typical savings account. Get 1.25% APY* on balances of $40,000 and more.

Bank Local

Get one of the best rates in the area! Your funds stay local and easily accessible.

Access if Needed

Earn a great rate without locking up your money. You can withdraw when needed and manage your account online 24/7.

Stop by a Floridacentral branch to get started.


*The annual percentage yield (APY) is effective as of March 27, 2023. 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.

^$5 fee for any draft amount under $100.