Credit union · NCUA insured
Florida Credit Union Savings Rates
Top CarrotFlorida Credit Union’s best savings rate is 0.98% APY on $10,000, with its Money Market Specials - Personal. Rates checked October 15, 2026.
How Florida Credit Union’s savings rates compare
Compared with banks and credit unions near Ocala, FL, where Florida Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Florida Credit Union
0.98%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $98
Money Market Specials - Personal
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Gala Bank
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Florida Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.98%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.98%
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 Florida 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 Specials - Personal
0.98%APY
Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. Interest compounded monthly; Dividend credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 0.25% | — | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
| $10,000 – $25,000Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 0.98% | $98 | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
| $25,000 – $50,000Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 1.10% | — | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
| $50,000 – $100,000Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 1.25% | — | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
| $100,000 – $1,000,000Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 1.50% | — | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
| $1,000,000 and upInterest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. | 2.00% | — | Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. |
Sources (1)
- flcu.org/fcu-rates/deposit-rates · captured Oct 5, 2026
Money Market Account
0.25%APY
Interest compounded monthly; Dividend credited monthly. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 0.25% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $10,000 – $25,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 0.25% | $25 | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $25,000 – $40,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 0.45% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $40,000 – $100,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 0.55% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $100,000 – $2,000,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 0.75% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $2,000,000 – $5,000,000Interest compounded monthly; Dividend credited monthly. No monthly fee. | 1.00% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
| $5,000,000 and upInterest compounded monthly; Dividend credited monthly. No monthly fee. | 0.02% | — | Interest compounded monthly; Dividend credited monthly. No monthly fee. |
Sources (2)
All captured Oct 5, 2026
Money Market Advantage
Up to 0.50%APY
Interest compounded monthly; Dividend credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $65,000 – $100,000Interest compounded monthly; Dividend credited monthly. | 0.25% | — | Interest compounded monthly; Dividend credited monthly. |
| $100,000 – $250,000Interest compounded monthly; Dividend credited monthly. | 0.50% | — | Interest compounded monthly; Dividend credited monthly. |
| $250,000 – $5,000,000Interest compounded monthly; Dividend credited monthly. | 0.50% | — | Interest compounded monthly; Dividend credited monthly. |
| $5,000,000 and upInterest compounded monthly; Dividend credited monthly. | 0.02% | — | Interest compounded monthly; Dividend credited monthly. |
Sources (1)
- flcu.org/fcu-rates/deposit-rates · captured Oct 5, 2026
Money Market Plus
Up to 0.50%APY
Interest compounded monthly; Dividend credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $100,000Interest compounded monthly; Dividend credited monthly. | 0.25% | — | Interest compounded monthly; Dividend credited monthly. |
| $100,000 – $2,000,000Interest compounded monthly; Dividend credited monthly. | 0.50% | — | Interest compounded monthly; Dividend credited monthly. |
| $2,000,000 – $5,000,000Interest compounded monthly; Dividend credited monthly. | 0.50% | — | Interest compounded monthly; Dividend credited monthly. |
| $5,000,000 and upInterest compounded monthly; Dividend credited monthly. | 0.02% | — | Interest compounded monthly; Dividend credited monthly. |
Sources (1)
- flcu.org/fcu-rates/deposit-rates · captured Oct 5, 2026
Regular Savings
0.15%APY
Primary share account establishing credit union membership/ownership with a $5.00 minimum balance. Interest compounded quarterly; dividend credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upInterest compounded quarterly; dividend credited quarterly.$500 and up | 0.15% | $15 | Interest compounded quarterly; dividend credited quarterly. |
Sources (2)
All captured Oct 5, 2026
Special Savings
0.15%APY
Interest compounded quarterly; dividend credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upInterest compounded quarterly; dividend credited quarterly.$500 and up | 0.15% | $15 | Interest compounded quarterly; dividend credited quarterly. |
Sources (1)
- flcu.org/fcu-rates/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
Youth Savings
0.15%APY
Designed for savers aged 17 and under. Requires a $5 share savings account for membership and $5 deposit to open online or earn advertised rate. A parent or legal guardian must be a joint owner if under 18. No monthly maintenance fee. Interest compounded quarterly; dividend credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $750For savers aged 17 and under with joint parent/guardian. Interest compounded quarterly; dividend credited quarterly. | 2.00% | — | For savers aged 17 and under with joint parent/guardian. Interest compounded quarterly; dividend credited quarterly. |
| Over $750For savers aged 17 and under with joint parent/guardian. Interest compounded quarterly; dividend credited quarterly. | 0.15% | $15 | For savers aged 17 and under with joint parent/guardian. Interest compounded quarterly; dividend credited quarterly. |
Sources (4)
- flcu.org/checking-savings/savings
- flcu.org/checking-savings/youth-savings-accounts
- flcu.org/fcu-rates/deposit-rates
- flcu.org/youth-savings
All captured Oct 5, 2026
Individual Retirement Account
0.50%APY
Traditional and Roth IRA savings options available. Interest compounded quarterly; dividend credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly; dividend credited quarterly.Over $0 | 0.50% | $50 | Interest compounded quarterly; dividend credited quarterly. |
Sources (2)
All captured Oct 5, 2026
Holiday Club
0.15%APY
Balance automatically transferred to savings account on November 15th; automatically renews each year. Interest compounded quarterly; dividend credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly; dividend credited quarterly. Balance automatically transferred to savings account on November 15th.Over $0 | 0.15% | $15 | Interest compounded quarterly; dividend credited quarterly. Balance automatically transferred to savings account on November 15th. |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.15%APY
Receive half of balance (up to $1,000) in June and the remainder in July transferred to Regular Savings (or requested account); automatically renews each year. Interest compounded quarterly; dividend credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly; dividend credited quarterly. In June, up to $1,000 transferred to Regular Savings; in July the remainder is withdrawn/transferred.Over $0 | 0.15% | $15 | Interest compounded quarterly; dividend credited quarterly. In June, up to $1,000 transferred to Regular Savings; in July the remainder is withdrawn/transferred. |
Sources (2)
All captured Oct 5, 2026
Who can join Florida Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone within Florida Credit Union's 48-county field of membership.
Cost to join
- Members are subject to maintaining a minimum $5 balance in savings upon approval.
Membership information collected October 5, 2026.