Bank · FDIC insured
Locality Bank Savings Rates
Locality Bank’s best savings rate is 2.20% APY on $10,000, with its Consumer Money Market Account. Rates checked October 15, 2026.
How Locality Bank’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Locality Bank has the most branches. $10,000, best rate first.
This bank’s best
Locality Bank
2.20%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $220
Consumer Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Locality Bank savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0002.20%
- $10,000 balance$10,0002.20%
- $100,000 balance$100,0002.20%
- QualifiedQualified2.20%
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 Locality Bank 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.
Consumer Money Market Account
2.20%APY
Interest compounding on daily ledger balance and paid monthly. $2,500 minimum balance to avoid a monthly maintenance fee of $15.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000$2,500 minimum balance to avoid monthly maintenance fee. | 2.20% | $220 | $2,500 minimum balance to avoid monthly maintenance fee. |
| $100,000 – $500,000$2,500 minimum balance to avoid monthly maintenance fee. | 2.20% | — | $2,500 minimum balance to avoid monthly maintenance fee. |
| $500,000 and up$2,500 minimum balance to avoid monthly maintenance fee. | 2.20% | — | $2,500 minimum balance to avoid monthly maintenance fee. |
| $1,000,000 and up$2,500 minimum balance to avoid monthly maintenance fee. | 2.20% | — | $2,500 minimum balance to avoid monthly maintenance fee. |
Sources (4)
- localitybank.com
- localitybank.com/assets/images/rate-sheet.pdf
- localitybank.com/lp
- localitybank.com/personal-banking
All captured Oct 15, 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.