Best savings rates in Florida

Requirements

Product: To qualify for American Rewards rates and receive reimbursements on your ATM fees, you must perform the following during the monthly qualification cycle: 1) Have at least seven ACH debits and/or direct deposits post and settle and be enrolled and receive eStatement notice OR have at least 12 debit card purchases post and settle, have at least 1 direct deposit or automatic payment (ACH) post and settle, and be enrolled and receive eStatement notice

Offer: Qualifications met; balances up to $100,000

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY when eligibility requirements are met.

Requirements

Product: Must be 18 years or older, reside in the USA, have a valid Social Security Number, and provide a valid driver's license, state-issued ID, or US passport. Initial deposit can only be made via PLAID transfer or wire transfer (check deposits not accepted).

Offer: Variable rate subject to change at any time. Interest calculated daily and credited monthly on the 15th (or next business day). Minimum daily collected balance of $0.01 to earn disclosed APY.

Requirements

Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.

Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.

Requirements

Product: Saving accounts are not eligible for Bill Payment or External Account-to-Account (A2A) transfers.

Offer: No minimum balance required to earn interest. Account is set up to receive monthly e-statements; a $5.00 paper statement fee applies if you opt for paper. Unlimited withdrawals.

Requirements

Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.

Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.

Requirements

Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.

Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.

Requirements

Product: Interest compounded daily on the collected balance. $100 minimum average daily balance to avoid $6 monthly maintenance fee.

Offer: $100 minimum average daily balance to avoid $6 monthly maintenance fee. Interest compounded daily on the collected balance.

Requirements

Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.

Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.

Requirements

Product: Requires applicant to be a Tennessee resident and not have a Republic Bank personal Money Market account at opening. Must open or maintain a primary Republic personal checking account and conduct 5 or more qualifying transactions (Direct deposit ACH credit, Bill Pay, POS Debit, ACH Debit) within any one of the first 3 statement cycles following opening; otherwise rate reverts to standard chart. Must be opened with at least $5,000 in funds not currently held on deposit at Republic Bank. A $10 fee applies if balance falls below $5,000 during statement cycle. Interest rate paid on entire balance.

Requirements

Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.

Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.

Requirements

Product: Interest is compounded daily and credited monthly using the daily balance method. Minimum opening deposit is $1,000.00. Minimum balance to earn interest is $0.01.

Offer: Minimum balance required to earn interest is $0.01. $0 monthly service charge with free eStatements ($3 for paper statements).

Requirements

Product: Available exclusively through digital banking platform. "New Money" only. Rates are variable and subject to change without notice.

Offer: Offered as of 4/20/2026. APY applies to balances from $1,000 to $250,000. Daily minimum balance of $1,000 is required to earn interest. No monthly service charges and no minimum balance requirements to waive fees. "New Money" only.

Requirements

Product: Must be opened with new money (funds transferred or brought in from an external financial institution). In order to maintain the account, must have a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening. To earn the disclosed dividend, must maintain a balance between $10,000 and $100,000.

Offer: Must be opened with new money and maintain a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening.