Bank · FDIC insured
BayFirst Financial Savings Rates
BayFirst Financial’s best savings rate is 1.19% APY on $10,000, with its Statement Savings. Rates checked October 15, 2026.
How BayFirst Financial’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where BayFirst Financial has the most branches. $10,000, best rate first.
This bank’s best
BayFirst Financial
1.19%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $119
Statement Savings
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
BayFirst Financial savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.19%
- $10,000 balance$10,0001.19%
- $100,000 balance$100,0001.19%
- QualifiedQualified1.19%
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 BayFirst Financial 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.
BayLive Money Market Account
Up to 0.35%APY
Must pair with a BayLive Checking account. $20 service charge per statement cycle if daily balance falls below $1,000 on any day of the month. Pre-authorized/automatic withdrawals or transfers limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. | 0.05% | $5 | Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. |
| Any balanceApplies to all balances if the paired BayFirst checking account is non-active. $20 service fee if daily balance falls below $1,000. | 0.05% | $5 | Applies to all balances if the paired BayFirst checking account is non-active. $20 service fee if daily balance falls below $1,000. |
| $10,000 – $25,000Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. | 0.35% | $35 | Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. |
| $25,000 – $50,000Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. | 1.20% | — | Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. |
| $50,000 and upRequires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. | 2.59% | — | Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). $20 service fee if daily balance falls below $1,000. |
Sources (2)
- bayfirstfinancial.com/personal…ngs-money-market-and-cds
- bayfirstfinancial.com/personal…-cds/baylive-moneymarket
All captured Sep 24, 2026
Statement Savings
1.19%APY
Up to six transactions/withdrawals per month. $3.00 monthly service charge/maintenance fee if daily balance falls below $50 at any time during monthly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly fee of $3.00 imposed if daily balance falls below $50 on any day of the statement cycle.Any balance | 1.19% | $119 | Monthly fee of $3.00 imposed if daily balance falls below $50 on any day of the statement cycle. |
Special-purpose accounts
Cash Kids Club
1.54%APY
For children 12 and under; limited to one account per child. No minimum balance requirement and no monthly account fees. At age 13, converts to Statement Savings account. Limited to 6 pre-authorized/automatic/telephone withdrawals/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier applies to daily balances less than $500.00. | 4.83% | — | Tier applies to daily balances less than $500.00. |
| $500 – $3,000Tier applies on daily balances equal to or greater than $500.00 but less than $3,000. | 2.81% | — | Tier applies on daily balances equal to or greater than $500.00 but less than $3,000. |
| $3,000 and upTier applies on daily balances equal to or greater than $3,000. | 1.54% | $154 | Tier applies on daily balances equal to or greater than $3,000. |
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.