Credit union · NCUA insured
Community South Credit Union Savings Rates
Top CarrotCommunity South Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Community South Credit Union’s savings rates compare
Compared with banks and credit unions near Panama City, FL, where Community South Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community South Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market 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
Community South Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- 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 Community South Credit Union 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 Account
0.50%APY
No fees with a minimum balance of $2,500; rates compounded monthly; up to 6 transactions per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fees with a minimum balance of $2,500. Compounded monthly.Any balance | 0.50% | $50 | No fees with a minimum balance of $2,500. Compounded monthly. |
Sources (2)
All captured Oct 5, 2026
Savings Account
0.20%APY
Rates are variable and may change after the account is opened. Dividends are compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5 refundable share deposit to open. No minimum balance and no monthly service fees.Any balance | 0.20% | $20 | Requires a $5 refundable share deposit to open. No minimum balance and no monthly service fees. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.20%APY
Automatic monthly deposits distributed on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- communitysouth.net/products/club-accounts
- communitysouth.net/products/savings
- communitysouth.net/rates/deposits
All captured Oct 5, 2026
Reel Money Kids
0.20%APY
For kids 12 and under. Rates are variable and may change after the account is opened. Dividends are compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5 deposit / refundable share deposit to open. No minimum balance and no monthly service fees.Any balance | 0.20% | $20 | Requires a $5 deposit / refundable share deposit to open. No minimum balance and no monthly service fees. |
Sources (3)
- communitysouth.net/products/youth-accounts
- communitysouth.net/products/savings
- communitysouth.net/rates/deposits
All captured Oct 5, 2026
Vacation Club
0.20%APY
Automatic monthly deposits distributed any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (3)
- communitysouth.net/products/club-accounts
- communitysouth.net/products/savings
- communitysouth.net/rates/deposits
All captured Oct 5, 2026
Who can join Community South Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Washington, Holmes, Jackson, Calhoun, Walton, Bay, Okaloosa, Liberty, or Gadsden County is eligible for membership.
Employers and groups
- Employees and retirees of Community South Credit Union are eligible for membership.
Military, government and schools
- Employees and retirees of The Florida Department of Transportation District #3 and The State of Florida within the DOT District 3 are eligible for membership.
Family and household
- Relatives of employees and retirees of qualifying employee groups are eligible for membership.
- Relatives of individuals who live or work in the designated nine Florida counties are eligible for membership, even if not residing in the same household.
Other ways
- Associational groups of the members are eligible for membership.
Cost to join
- A $5 refundable share deposit is required to join.
Membership information collected October 5, 2026.