Bank · FDIC insured
United Southern Bank Savings Rates
United Southern Bank’s best savings rate is 0.05% APY on $10,000, with its Tiered Money Market Account. Rates checked October 15, 2026.
How United Southern Bank’s savings rates compare
Compared with banks and credit unions near Orlando, FL, where United Southern Bank has the most branches. $10,000, best rate first.
This bank’s best
United Southern Bank
0.05%APY
- Minimum
- —
- Earns on $10,000 a year
- $5
Savings Account
Top rate
Climate First Bank
4.01%APY
- Minimum
- $50
- Earns on $10,000 a year
- $401
2nd-highest rate
BankUnited
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
United Southern Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.50%
- 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 United Southern 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.
Tiered Money Market Account
0.05%APY
Tier ranges are based on daily available balance. Interest is compounded daily and credited monthly. Must maintain a minimum balance of $5,000 each day to obtain disclosed APY. $5,000 average daily minimum balance to avoid a $10 monthly service charge. Transfers from a Tiered Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, draft, debit card or similar order to third parties are limited to six per month. Rates on tiers may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$5,000 average daily minimum balance to avoid $10 monthly service charge. Daily balance must be at least $5,000 to earn disclosed APY. | 0.00% | — | $5,000 average daily minimum balance to avoid $10 monthly service charge. Daily balance must be at least $5,000 to earn disclosed APY. |
| $5,000 – $25,000$5,000 average daily minimum balance to avoid $10 monthly service charge. | 0.05% | $5 | $5,000 average daily minimum balance to avoid $10 monthly service charge. |
| $25,000 – $50,000$5,000 average daily minimum balance to avoid $10 monthly service charge. | 0.25% | — | $5,000 average daily minimum balance to avoid $10 monthly service charge. |
| $50,000 – $100,000$5,000 average daily minimum balance to avoid $10 monthly service charge. | 0.40% | — | $5,000 average daily minimum balance to avoid $10 monthly service charge. |
| $100,000 – $250,000$5,000 average daily minimum balance to avoid $10 monthly service charge. | 0.50% | — | $5,000 average daily minimum balance to avoid $10 monthly service charge. |
| $250,000 and up$5,000 average daily minimum balance to avoid $10 monthly service charge. | 0.75% | — | $5,000 average daily minimum balance to avoid $10 monthly service charge. |
Sources (2)
- unitedsouthernbank.com/persona…anking/our-current-rates
- unitedsouthernbank.com/personal-banking/ways-to-save
All captured Oct 5, 2026
Savings Account
0.05%APY
Interest is compounded quarterly and credited automatically. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$6 quarterly service charge waived with a $300 minimum daily balance. Excess withdrawal fee of $1.00 per transaction over 6 per quarterly statement cycle. Preauthorized, automatic, telephone, or computer transfers limited to 6 per month.Any balance | 0.05% | $5 | $6 quarterly service charge waived with a $300 minimum daily balance. Excess withdrawal fee of $1.00 per transaction over 6 per quarterly statement cycle. Preauthorized, automatic, telephone, or computer transfers limited to 6 per month. |
Sources (2)
- unitedsouthernbank.com/persona…anking/our-current-rates
- unitedsouthernbank.com/personal-banking/ways-to-save
All captured Oct 5, 2026
Special-purpose accounts
Holiday Club Savings Account
0.05%APY
Interest is compounded quarterly and credited automatically. Balance is transferred back to the funding account annually on November 15th. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fee or minimum balance. Excess withdrawal fee of $1.00 per transaction over 6 per quarterly statement cycle. Preauthorized, automatic, telephone, or computer transfers limited to 6 per month.Any balance | 0.05% | $5 | No fee or minimum balance. Excess withdrawal fee of $1.00 per transaction over 6 per quarterly statement cycle. Preauthorized, automatic, telephone, or computer transfers limited to 6 per month. |
Sources (2)
- unitedsouthernbank.com/persona…anking/our-current-rates
- unitedsouthernbank.com/personal-banking/ways-to-save
All captured Oct 5, 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.