Bank · FDIC insured
Financial Federal Savings Rates
Financial Federal’s best savings rate is 3.45% APY on $10,000, with its Personal Savings - Money Market. Rates checked October 15, 2026.
How Financial Federal’s savings rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Financial Federal has the most branches. $10,000, best rate first.
This bank’s best
Financial Federal
3.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $335
Personal Savings - Money Market
Top rate
Leaders Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Financial Federal savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.45%
- $10,000 balance$10,0003.45%
- $100,000 balance$100,0003.45%
- QualifiedQualified3.45%
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 Financial Federal 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.
Personal Savings - Money Market
Up to 3.45%APY
Rate and offer subject to change without notice and after account opening. Interest earned on the entire daily balance. Fees could reduce earnings on account. Not available to institutional investors. Account openings are subject to Bank approval and may be declined on certain factors.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalances over $100,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. | 3.45% | $345 | Balances over $100,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. |
| Any balanceBalances under $5,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. | 0.05% | $5 | Balances under $5,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. |
| $5,000 – $100,000Balances $5,000 - $100,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. | 3.35% | $335 | Balances $5,000 - $100,000. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rate subject to change after account opening. |
Sources (3)
All captured Sep 24, 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.