Compare Bank & Credit Union Rates
Best savings rates in Clearwater, FL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Clearwater, FL
- Suncoast Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $1,000 min · 0.50%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Suncoast High Yield Checking account is required to open. Limited to one high yield money market account per member.
Offer: Requires active High Yield Checking account and $2,000 monthly deposit minimum in High Yield Checking and/or High Yield Savings (excluding internal account-to-account transfers; deposits directly to the High Yield Money Market are not included).
Qualified rate · No monthly fee · Effective Mar 4, 2025
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $25,000Your amount 3.00% $25,000 and up 0.50% Rate checked
More details - Achieva Credit UnionPremier Money Market AccountPremier Money Market Account · $2,000 min · 2.30%–2.55% by balance
Credit union · 1 branch
2.30%APY$230 a year on $10,000with conditionsRequirements
Product: Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
Offer: Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month.
Qualified rate · 2.28% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,000 and upYour amount 2.30% $50,000 and up 2.35% $150,000 and up 2.40% $250,000 and up 2.45% $500,000 and up 2.50% $1,000,000 and up 2.55% Rate checked
More details - Achieva Credit UnionIndexed Money Market AccountIndexed Money Market Account · $10,000 min · 1.88%–2.81% by balance
Credit union · 1 branch
1.88%APY$188 a year on $10,000with conditionsRequirements
Product: Requires a checking account with a qualified recurring direct deposit of at least $500 per month within 90 days of account opening to earn interest. Does not qualify for checks or debit cards; limited to 5 withdrawals per statement cycle ($5 fee per transaction over 5). Required monthly maintenance fee waived when minimum balance of $10,000 is maintained. Offers blended APY paying a different rate on funds within each tier. APY will be between 30%-80% of the upper limit of the Federal Funds rate as of the 15th of the prior month, adjusted on the first of following month; indexed interest rate will never be less than 0.10%. Rate earned on balances of $10,000 or greater.
Offer: Blended APY tier applying only to the portion of balance within tier; requires minimum balance of $10,000 to earn interest and waive monthly maintenance fee.
Qualified rate · 1.86% interest rate
Rate by balance
Rate by balance for Indexed Money Market Account Balance APY $10,000 and upYour amount 1.88% $100,000 and upBlended APY tier applying only to the portion of balance within tier. 2.63% $250,000 and upBlended APY tier applying only to the portion of balance within tier. 2.81% Rate checked
More details - Suncoast Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.25%–3.50% by balance
Credit union · 1 branch
1.40%APY$140 a year on $10,000Requirements
Product: Tiered dividend rate. Once a balance range is met, the rate applies to the full balance of the account. No minimum balance required to maintain the account, but a minimum balance of $1,000 is needed to earn interest/APY.
Offer: Minimum of $1,000 balance is required to earn interest.
No monthly fee · Effective Sep 2, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Any balance 1.25% $1,000 and upYour amount 1.40% $25,000 and up 1.50% $50,000 and up 1.60% $100,000 and up 2.50% $250,000 and up 3.00% $500,000 and up 3.50% Rate checked
More details - City County Employees Credit UnionMoney Market AccountsMoney Market Accounts · 1.01%–2.22% by balance
Credit union · 1 branch
1.36%APY$136 a year on $10,000Requirements
Product: Rates are variable and subject to change by the Board of Directors without notice. Dividends are paid monthly. Six withdrawals allowed per month at no charge; any withdrawal after 6 will incur a $10 fee. Federally insured to at least $250,000 by NCUA.
Offer: Up to $2,499.99 balance tier.
1.00% interest rate · Effective Nov 19, 2025
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 1.01% $2,500 – $10,000 1.26% $10,000 – $25,000Your amount 1.36% $25,000 – $50,000 1.46% $50,000 – $100,000 1.56% $100,000 – $250,000 1.92% $250,000 – $300,000 2.12% $500,000 and up 2.22% Rate checked
More details - Achieva Credit UnionPremier Money Market AccountPremier Money Market Account · $2,000 min · 1.30%–1.55% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
Offer: Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month.
Qualified rate · 1.29% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,000 and upYour amount 1.30% $50,000 and up 1.35% $150,000 and up 1.40% $250,000 and up 1.45% $500,000 and up 1.50% $1,000,000 and up 1.55% Rate checked
More details - 1.19%APY$119 a year on $10,000
Requirements
Product: Up to six transactions/withdrawals per month. $3.00 monthly service charge/maintenance fee if daily balance falls below $50 at any time during monthly statement cycle.
Offer: Monthly fee of $3.00 imposed if daily balance falls below $50 on any day of the statement cycle.
$3 monthly fee · Effective Apr 2, 2026
Rate checked
More details - Grow FinancialMoney Market AccountMoney Market Account · $0 min · 1.11%–2.12% by balance
Credit union · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Variable Rate Account. Fees could reduce earnings. APYs accurate as of 10/15/2026.
Offer: Balance less than $25,000.
1.10% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 1.11% $25,000 – $50,000 1.36% $50,000 – $100,000 1.56% $100,000 – $250,000 1.71% $250,000 – $500,000 1.92% $500,000 and up 2.12% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Offer: $100 minimum balance to earn dividend per table ($5 Average Daily Balance required per footnote 1). Dividends paid monthly.
0.50% interest rate · Effective Nov 19, 2025
Rate checked
More details - 0.50%APY$50 a year on $10,000intro rate
Requirements
Product: Rates accurate as of last dividend declaration date and may change after account opening. No minimum opening deposit required. Access funds without penalty.
Promotional rate · 0.30% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.30% $2,500 – $10,000 0.40% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 1.00% $250,000 and upAPY accurate as of last dividend declaration date and may change after account opening. 3.51% Rate checked
More details - FiCare Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.30%–0.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends are compounded monthly and credited to your Money Market Savings Account monthly. The monthly dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.
Offer: Minimum balance required to earn stated APY is $2,500.
0.30% interest rate · Compounded monthly · Effective Sep 24, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 and up 0.30% $10,000 and upYour amount 0.50% $25,000 and up 0.75% $75,000 and up 0.85% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Minimum balance to open is $5; maximum balance to open is $400. Monthly deposit between $20 and $400. $100 bonus deposited within 90 days upon reaching $10,000, then funds transferred to Basic Savings Account. Variable rate. APY accurate as of 10/15/2026. Balances $0.01 and over receive stated dividend and APY.
Offer: Minimum balance to open is $5; maximum balance to open is $400. Monthly deposit between $20 and $400. $100 bonus deposited within 90 days upon reaching $10,000, then funds transferred to Basic Savings Account. Variable rate. Balances $0.01 and over receive stated dividend and APY.
0.35% interest rate · Effective Oct 15, 2026
Rate checked
More details - BayFirst FinancialBayLive Money Market AccountBayLive Money Market Account · $100 min · 0.05%–2.59% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Must pair with a BayLive Checking account. $20 service charge per statement cycle if daily balance falls below $1,000 on any day of the month. Pre-authorized/automatic withdrawals or transfers limited to 6 per month.
Offer: Applies to all balances if the paired BayFirst checking account is non-active. $20 service fee if daily balance falls below $1,000.
Qualified rate · $20 monthly fee · Effective Apr 2, 2026
Rate by balance
Rate by balance for BayLive Money Market Account Balance APY Any balance 0.05% $10,000 – $25,000Your amountRequires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 0.35% $25,000 – $50,000Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 1.20% $50,000 and upRequires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 2.59% Rate checked
More details - Achieva Credit UnionPremier Money Market AccountPremier Money Market Account · $2,000 min · 0.30%–0.55% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
Qualified rate · 0.30% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,000 and upYour amount 0.30% $50,000 and up 0.35% $150,000 and up 0.40% $250,000 and up 0.45% $500,000 and up 0.50% $1,000,000 and up 0.55% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Clearwater, FL
60 accounts at 18 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 1.20%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.25%
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Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches