Credit union · NCUA insured
Baptist Health South Florida FCU Savings Rates
Top CarrotBaptist Health South Florida FCU’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Baptist Health South Florida FCU’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Baptist Health South Florida FCU has the most branches. $10,000, best rate first.
This credit union’s best
Baptist Health South Florida FCU
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Baptist Health South Florida FCU savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
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 Baptist Health South Florida FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.50%APY
With a minimum deposit of $2,500. Dividends are paid/credited quarterly and calculated based on average daily balance. If the account balance falls below $2,500, it will not receive a dividend. Limited to three withdrawals per month ($5 fee per withdrawal exceeding three per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500If balance falls below $2,500, it will not receive a dividend. | 0.00% | — | If balance falls below $2,500, it will not receive a dividend. |
| $2,500 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.75% | — | |
| $50,000 – $100,000 | 1.00% | — | |
| $100,000 – $150,000 | 1.50% | — | |
| $150,000 – $200,000 | 1.75% | — | |
| $200,000 – $250,000 | 2.25% | — | |
| $250,000 and up | 2.75% | — |
Sources (2)
All captured Sep 18, 2026
Savings Account
0.10%APY
Requires $5 membership fee to establish Credit Union membership. Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.10% | $10 | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
| $50,000 and upDividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.20% | — | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Savings
0.25%APY
Available as Traditional or Roth IRA. No setup, maintenance, closing, or annual fees. Early withdrawal penalty is not applicable (N/A) for IRA Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 0.25% | $25 | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $25,000 – $49,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 0.35% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $50,000 – $99,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 0.50% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $100,000 – $149,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 0.75% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $150,000 – $199,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 1.00% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $200,000 – $249,999Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 1.25% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
| $250,000 and upDividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. | 1.50% | — | Dividends paid quarterly. Minimum balance is $0. No early withdrawal penalty. |
Christmas Club
0.10%APY
Can be opened anytime during the year. During the 1st week of November, funds are transferred directly into the Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.10% | $10 | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
| $50,000 and upDividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.20% | — | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
Sources (2)
All captured Sep 18, 2026
Emergency Club
0.10%APY
Can be opened anytime throughout the year. Recommended saving via payroll deduction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.10% | $10 | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
| $50,000 and upDividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.20% | — | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.10%APY
Can be opened anytime throughout the year. Withdraw funds at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.10% | $10 | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
| $50,000 and upDividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. | 0.20% | — | Dividends paid quarterly and calculated based on average daily balance. Minimum balance to earn APY is $5. |
Sources (2)
All captured Sep 18, 2026
Who can join Baptist Health South Florida FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Baptist Health South Florida Federal Credit Union are eligible for membership.
- Employees and contracted workers of Baptist Health South Florida and its subsidiaries are eligible for membership.
- Retirees as pensioners or annuitants from Baptist Health South Florida and members of their immediate family or household are eligible for membership.
- Volunteers, trustees, and members of the Board of Directors of Baptist Health South Florida facilities are eligible for membership.
Military, government and schools
- Healthcare students training in Baptist Health South Florida facilities are eligible for membership.
Family and household
- Immediate family members of existing BHSFFCU members are eligible for membership.
Membership information collected October 5, 2026.