Credit union · NCUA insured
We Florida Financial Savings Rates
We Florida Financial’s best savings rate is 0.45% APY on $10,000, with its High Yield Accum.. Rates checked October 15, 2026.
How We Florida Financial’s savings rates compare
Compared with banks and credit unions near Miami, FL, where We Florida Financial has the most branches. $10,000, best rate first.
This credit union’s best
We Florida Financial
0.45%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $45
High Yield Accum.
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
We Florida Financial savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 We Florida Financial 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.
High Yield Accum.
0.45%APY
Minimum daily balance requirement of $1 must be met each day of the statement cycle to earn stated APY; if balance falls below, a monthly maintenance fee may be assessed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.45% | $45 |
Sources (2)
All captured Oct 5, 2026
High Yield Accumulation
0.45%APY
For High Yield Accumulation accounts, deposits must be made through ongoing, recurring automatic transfer only ($10 minimum). No partial balance withdrawals allowed, $25 fee if closed in the first twenty-four (24) months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.45% | $45 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
High Yield Invest.
0.40%APY
Minimum daily balance requirement of $2,500 must be met each day of the statement cycle to earn stated APY; if balance falls below, a monthly maintenance fee may be assessed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
High Yield Investment
0.40%APY
For High Yield Investment accounts, there can be only one (1) free withdrawal per month. Subsequent withdrawals are subject to a $25 fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.40% | $40 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Member Savings / Savings / Membership
0.05%APY
Minimum deposit and balance of $5 required to open a Member Savings account / establish membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Regular Savings / Secondary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Traditional and Roth IRA options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.50% | $50 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Club Savings
0.15%APY
No maintenance or monthly service fees on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.15% | $15 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Business Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.05% | $5 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Money Market - Personal & Business
0.00%APY on $10,000
Minimum daily balance requirement of $2,500 must be met each day of the statement cycle to earn stated APY; if balance falls below, a monthly maintenance fee may be assessed. Tiered rate structure: 3.20% Dividend Rate / 3.25% APY on balances up to $10,000; 0.25% Dividend Rate / 0.25% APY on portion of balances over $10,000.
| Part of the balance | Rate on that part |
|---|---|
| $10,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (2)
All captured Oct 5, 2026
Who can join We Florida Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works part- or full-time in one of 46 specified Florida counties is eligible to join.
Family and household
- Individuals living elsewhere can join if they have a relative who lives or works in any of the 46 eligible Florida counties and opens an account.
Cost to join
- A minimum deposit and balance of $5 is required to open a Member Savings account.
Membership information collected October 5, 2026.