Bank · FDIC insured
Sunstate Bank Savings Rates
Sunstate Bank’s best savings rate is 0.10% APY on $10,000, with its Personal Money Market. Rates checked October 15, 2026.
How Sunstate Bank’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Sunstate Bank has the most branches. $10,000, best rate first.
This bank’s best
Sunstate Bank
3.25%APY
- Requires
- Another account
- Earns on $10,000 a year
- $325
Advantage Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Sunstate Bank savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified3.25%
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 Sunstate 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.
Advantage Money Market
Up to 3.25%APY
New money only offer. Deposits must come from funds not currently held at Sunstate Bank.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard competitive rate without checking account relationship. | 3.00% | $300 | Standard competitive rate without checking account relationship. |
| Up to $2,500Balance below $2,500. | 0.00% | — | Balance below $2,500. |
| $2,500 – $10,000 | 0.10% | — | |
| $10,000 and upEarn 3.25% APY when you maintain a Sunstate checking account with a $10,000 minimum daily balance. | 3.25% | $325 | Earn 3.25% APY when you maintain a Sunstate checking account with a $10,000 minimum daily balance. |
| $10,000 – $250,000 | 3.04% | $304 | |
| $250,000 and up | 3.04% | — |
Sources (2)
All captured Sep 18, 2026
Personal Money Market
0.10%APY
Tiered interest account. To earn interest: $2,500 daily balance or $5,000 per statement cycle. Minimum opening deposit is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance below $2,500. | 0.00% | — | Balance below $2,500. |
| $2,500 – $10,000 | 0.10% | — | |
| $10,000 – $25,000 | 0.10% | $10 | |
| $25,000 – $50,000 | 0.20% | — | |
| $50,000 – $100,000 | 0.20% | — | |
| $100,000 and up | 0.30% | — |
Sources (2)
All captured Sep 18, 2026
Premier Money Market - Personal
0.10%APY
Tailored for international clients / foreign nationals and non-residents, with remote onboarding. Monthly service fee of $18 is waived with $2,500 daily collected balance or an average balance of $5,000 per statement cycle. Minimum opening deposit is $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance below $2,500. Monthly fee of $18 applies unless waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.00% | — | Balance below $2,500. Monthly fee of $18 applies unless waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $2,500 – $10,000Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.10% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $10,000 – $25,000Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.10% | $10 | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $25,000 – $50,000Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.20% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $50,000 – $100,000Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.20% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $100,000 – $249,999Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.30% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $250,000 – $499,999Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.30% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
| $500,000 and upMonthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. | 0.30% | — | Monthly fee of $18 waived with $2,500 daily collected balance or $5,000 average statement cycle balance. |
Sources (2)
All captured Sep 18, 2026
Premier Personal Savings
Up to 0.05%APY
Tailored for international clients. Monthly fee of $6 is waived with a $100 daily balance. Limited to 6 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBelow $100. $6 monthly fee applies if minimum daily balance of $100 is not met. | 0.00% | $0 | Below $100. $6 monthly fee applies if minimum daily balance of $100 is not met. |
| $100 and up$100 and up. $6 monthly fee waived with $100 daily balance. | 0.05% | $5 | $100 and up. $6 monthly fee waived with $100 daily balance. |
Sources (3)
- sunstatefl.com/Premier/Other/Rates
- sunstatefl.com/Premier/Savings
- sunstatefl.com/Premier/Savings/Premier-Personal-Savings
All captured Sep 18, 2026
Regular Savings
Up to 0.05%APY
$100 minimum daily collected balance required to waive monthly maintenance fee. Up to 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBelow $100 | 0.00% | $0 | Below $100 |
| $100 and up$100 and up | 0.05% | $5 | $100 and up |
Sources (3)
- sunstatefl.com/Personal/Other/Rates
- sunstatefl.com/Personal/Savings
- sunstatefl.com/Personal/Savings/Regular-Savings
All captured Sep 18, 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.