Credit union · NCUA insured
Pinellas Federal Credit Union Savings Rates
Pinellas Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Pinellas Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Pinellas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pinellas Federal Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver
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
Pinellas Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.25%
- QualifiedQualified2.00%
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 Pinellas Federal 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.
Kasasa Saver
Up to 2.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000If Kasasa Saver Monthly Requirements are Met. | 2.00% | $200 | If Kasasa Saver Monthly Requirements are Met. |
| Over $0If Kasasa Saver Monthly Requirements are NOT Met. | 0.05% | $5 | If Kasasa Saver Monthly Requirements are NOT Met. |
| Over $50,000If Kasasa Saver Monthly Requirements are Met. | 1.00% | — | If Kasasa Saver Monthly Requirements are Met. |
Sources (1)
- pinellasfcu.org/your-credit-un…ertificate-account-rates · captured Oct 15, 2026
Money Market Account
0.45%APY
Must have a regular savings account with PFCU. No minimum balance to open and no minimum balance to maintain. No monthly service fees. The minimum balance to earn dividends is $2,500. No limit on dollar amount that can be withdrawn, but maximum number of withdrawals is limited to 6 per month (Regulation D transfer limits apply). ATM and debit cards are not permitted.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.45% | $45 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.25% | — |
Sources (2)
- pinellasfcu.org/personal-banki…s/ez-saver-accounts-copy
- pinellasfcu.org/your-credit-un…ertificate-account-rates
All captured Oct 5, 2026
EZ Saver
0.10%APY
Requires a minimum of $5.00 bi-weekly deposited to the account from payroll or automatic transfer from a PFCU account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $350Earns dividends on average daily balances of $200.00 to $349.99. | 0.07% | — | Earns dividends on average daily balances of $200.00 to $349.99. |
| $350 – $100,000Rate increases to this tier at minimum average daily balance of $350.00. | 0.10% | $10 | Rate increases to this tier at minimum average daily balance of $350.00. |
| $100,000 and up | 0.15% | — |
Regular Savings
0.05%APY
Earns dividends on average daily balances of $200.00 or more. Paid quarterly. Requires a $5.00 minimum share balance remaining on deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upRate applies to balances of $200 & Up. $5 monthly fee if balance falls below $5 minimum.$200 and up | 0.05% | $5 | Rate applies to balances of $200 & Up. $5 monthly fee if balance falls below $5 minimum. |
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.20%APY
Includes Traditional and Roth IRA savings options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upRate applies to balances of $200 & Up.$200 and up | 0.20% | $20 | Rate applies to balances of $200 & Up. |
Club Accounts
0.07%APY
Linked to regular Savings Account. Earns dividends on average daily balances of $200.00 or more, paid quarterly. Deposits can be made via payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upTier applies to average daily balances of $200 & Up.$200 and up | 0.07% | $7 | Tier applies to average daily balances of $200 & Up. |
My Ca$h Account Savings
0.07%APY
Youth savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances of $100 & Up.$100 and up | 0.07% | $7 | Rate applies to balances of $100 & Up. |
Who can join Pinellas Federal 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 individuals who live, work, worship, attend school or regularly do business in Pinellas County.
Employers and groups
- Membership is open to members of Select Employer Groups (SEGs), including Sunshine Savers Club.
Military, government and schools
- Membership is open to State, County or Municipal Employees.
Family and household
- Membership is open to individuals related to a current PFCU member.
Membership information collected October 5, 2026.