Bank · FDIC insured
Bank of Pensacola Savings Rates
Bank of Pensacola’s best savings rate is 2.00% APY on $10,000, with its Money Market Deposit Account. Rates checked October 15, 2026.
How Bank of Pensacola’s savings rates compare
Compared with banks and credit unions near Pensacola, FL, where Bank of Pensacola has the most branches. $10,000, best rate first.
This bank’s best
Bank of Pensacola
2.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
Money Market Deposit Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Bank of Pensacola savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Pensacola ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Deposit Account
Up to 2.00%APY
Transfers from a Money Market Deposit Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. A service charge of $5.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. Interest on this account is credited each monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTier applies to balances below $2,500. Service charge of $5.00 imposed each monthly statement cycle if the average daily balance falls below $500.00. | 1.00% | $100 | Tier applies to balances below $2,500. Service charge of $5.00 imposed each monthly statement cycle if the average daily balance falls below $500.00. |
| $2,500 and upService charge of $5.00 imposed each monthly statement cycle if the average daily balance falls below $500.00. | 2.00% | $200 | Service charge of $5.00 imposed each monthly statement cycle if the average daily balance falls below $500.00. |
Sources (2)
All captured Oct 5, 2026
Regular Savings Account
0.30%APY
A service charge of $5 will be charged if the average daily balance falls below $250 during the statement cycle. Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. Interest on this account is credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance of $50 is required to earn interest. Deposit Rates are subject to change. A service charge of $5 will be charged if the average daily balance falls below $250 during the statement cycle. A service charge of $1 will be charged for each debit transaction in excess of three during a quarter.$50 and up | 0.30% | $30 | Minimum balance of $50 is required to earn interest. Deposit Rates are subject to change. A service charge of $5 will be charged if the average daily balance falls below $250 during the statement cycle. A service charge of $1 will be charged for each debit transaction in excess of three during a quarter. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Kids Club Savings Account
1.00%APY
Transfers from this account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per statement month. Interest is paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fees. Deposit Rates are subject to change. A service charge of $1 will be charged for each debit transaction in excess of three during a quarter.Any balance | 1.00% | $100 | No monthly maintenance fees. Deposit Rates are subject to change. A service charge of $1 will be charged for each debit transaction in excess of three during a quarter. |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.