Credit union · NCUA insured
Florida West Coast CU Savings Rates
Top CarrotFlorida West Coast CU’s best savings rate is 0.45% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Florida West Coast CU’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Florida West Coast CU has the most branches. $10,000, best rate first.
This credit union’s best
Florida West Coast CU
0.45%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $45
Money Market
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
Florida West Coast CU savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.45%
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 Florida West Coast CU 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
0.45%APY
Tiered interest account. Minimum withdrawal is $500.00. Minimum to earn interest is $2,000.00. Can write up to three checks per month. All Savings products require a $5.00 deposit to open an account. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. | 0.05% | — | Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. |
| $10,000 – $50,000Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. | 0.45% | $45 | Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. |
| $50,000 and upRates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. | 0.75% | — | Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening. |
Special-purpose accounts
Health Savings
0.20%APY
Must have a high deductible health plan; cannot be enrolled in Medicare to qualify. No annual or administrative fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 – $50,000 | 0.20% | $20 |
| $50,000 and up | 0.30% | — |
IRA Savings Traditional/Roth
0.10%APY
Traditional and Roth IRAs available. No annual administration fees. Tiered interest account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.05% | — |
| $10,000 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.20% | — |
Club Savings
0.05%APY
Holiday or Vacation clubs. Self-managed and can be named for any special type of savings. Tiered interest account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Sources (3)
All captured Oct 5, 2026
Regular Savings
0.05%APY
Basis for membership in Credit Union. Initial deposit of $10.00 to open, $5.00 is a one-time membership fee. Must maintain a $5.00 balance in the account at all times. If you open just a savings there is no minimum balance requirement if you are under 18 or 60 or older; otherwise if the primary savings account is the only account you have with the credit union you must maintain a balance of $200.00 or greater once open for 6 months or pay a monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Sources (3)
All captured Oct 5, 2026
Youth Savings
0.05%APY
Must be age 12 or under to join County Kids Club. No service charges or fees. Savings of $100 or more earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Who can join Florida West Coast CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Hillsborough and Pasco County Government employees are eligible for membership.
- Sheriff's Office employees and State of Florida employees are eligible for membership.
Family and household
- Family members of eligible employees/members are eligible to join.
Cost to join
- A initial deposit of $10.00 is required to join.
Membership information collected October 5, 2026.