Credit union · NCUA insured
Floridacentral Credit Union Savings Rates
Floridacentral Credit Union’s best savings rate is 0.05% APY on $10,000, with its $avvy $avings. Rates checked October 15, 2026.
How Floridacentral Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Floridacentral Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Floridacentral Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular 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
Floridacentral Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.05%
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 Floridacentral 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.
Mega Money Market
0.01%APY
Must be a Floridacentral member or meet membership eligibility requirements. Available for personal and business accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $40,000Applies when the balance falls below the $40,000 minimum balance required to earn the primary APY. A monthly service charge of $20 applies. | 0.01% | $1 | Applies when the balance falls below the $40,000 minimum balance required to earn the primary APY. A monthly service charge of $20 applies. |
| $40,000 and upWhen the balance falls below $40,000, the APY is 0.01% APY and a monthly service charge of $20 will apply. | 1.25% | — | When the balance falls below $40,000, the APY is 0.01% APY and a monthly service charge of $20 will apply. |
Sources (2)
All captured Oct 15, 2026
$avvy $avings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- floridacentralcu.com/financial-tools/rates · captured Oct 15, 2026
Regular Savings
0.05%APY
A $5.00 monthly fee may apply. Fee is waived for the first 60 days for new accounts, or if the primary member is under age 24, or if cumulative monthly average balance across all checking, savings, and Christmas Club accounts is $500 or more (IRA or Share Certificate accounts are not included), or if monthly direct deposits total $500.00 or more in savings and checking accounts, or if having an active loan, mortgage, or credit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly fee of $5.00 waived under qualifying conditions: first 60 days for new accounts, primary member under age 24, cumulative monthly average balance of $500+ across checking/savings/Christmas Club, monthly direct deposits totaling $500+, or active loan, mortgage, or credit card.Any balance | 0.05% | $5 | Monthly fee of $5.00 waived under qualifying conditions: first 60 days for new accounts, primary member under age 24, cumulative monthly average balance of $500+ across checking/savings/Christmas Club, monthly direct deposits totaling $500+, or active loan, mortgage, or credit card. |
Sources (3)
- floridacentralcu.com/financial-tools/rates
- floridacentralcu.com/personal-savings
- floridacentralcu.com/personal-savings/regular-savings
All captured Oct 15, 2026
Money Market
0.01%APY
Must be a Floridacentral member or meet membership eligibility requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. | 0.01% | $1 | Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. |
| $2,500 and upMinimum opening deposit $2,500. Avoid $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. | 0.01% | $1 | Minimum opening deposit $2,500. Avoid $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. |
| $25,000 – $50,000Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. | 0.01% | — | Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. |
| $50,000 – $100,000Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. | 0.01% | — | Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. |
| $100,000 – $250,000Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. | 0.01% | — | Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum daily balance. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings
0.21%APY
Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable as a Traditional or Roth IRA.Any balance | 0.21% | $21 | Available as a Traditional or Roth IRA. |
Sources (3)
- floridacentralcu.com/financial-tools/rates
- floridacentralcu.com/personal-savings
- floridacentralcu.com/personal-savings/iras
All captured Oct 15, 2026
Christmas Club
0.05%APY
Funds transfer automatically to Regular Savings Account on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee. Full balance automatically transfers to Regular Savings on November 1.Any balance | 0.05% | $5 | No monthly maintenance fee. Full balance automatically transfers to Regular Savings on November 1. |
Sources (3)
- floridacentralcu.com/financial-tools/rates
- floridacentralcu.com/personal-savings
- floridacentralcu.com/personal-savings/christmas-club
All captured Oct 15, 2026
Who can join Floridacentral Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota County, Florida.
Employers and groups
- Eligibility is open to individuals who work for a participating organization.
Family and household
- Eligibility is open to individuals who qualify through an immediate family member.
Cost to join
- A $5 initial share deposit opens a Member Share Account and establishes membership in Floridacentral Credit Union.
Membership information collected October 5, 2026.