Compare Bank & Credit Union Rates
Best savings rates in Gainesville, 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 Gainesville, FL
- 2.12%APY$212 a year on $10,000
Requirements
Product: Member must maintain $5 par value. All share accounts are variable rate accounts.
Offer: $5 monthly fee if daily balance is below $500 (waived by maintaining a daily balance of $500 or more). Variable rate. Member must maintain $5 par value.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - VyStar Credit UnionMoney MarketMoney Market · $0 min · 0.90%–1.45% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are calculated daily, compounded daily and credited monthly. Account includes checks and a debit card.
0.90% interest rate · Compounded daily · Effective Jan 22, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.90% $10,000 – $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 and up 1.45% Rate checked
More details - Florida Credit UnionMoney Market Specials - PersonalMoney Market Specials - Personal · $2,500 min · 0.25%–2.00% by balance
Credit union · 3 branches
0.98%APY$98 a year on $10,000intro rateRequirements
Product: Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. Interest compounded monthly; Dividend credited monthly.
Offer: Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product.
Promotional rate · 0.25% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Specials - Personal Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.98% $25,000 – $50,000 1.10% $50,000 – $100,000 1.25% $100,000 – $1,000,000 1.50% $1,000,000 and up 2.00% 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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Gateway to membership; member must maintain $5 par value. All share accounts are variable rate.
Offer: No minimum balance to earn dividends.
0.30% interest rate
Rate checked
More details - Florida Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.02%–1.00% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Interest compounded monthly; Dividend credited monthly. No monthly maintenance fee.
Offer: Interest compounded monthly; Dividend credited monthly. No monthly fee.
0.25% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $40,000 0.45% $40,000 – $100,000 0.55% $100,000 – $2,000,000 0.75% $2,000,000 – $5,000,000 1.00% $5,000,000 and up 0.02% Rate checked
More details - FLCBankPersonal Money MarketPersonal Money Market · $1,000 min · 0.10%–3.05% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Average Daily Balance $2,000 or $20 Monthly Service Charge. Rates are variable and subject to change. Minimum balance to obtain stated APYs applies per tier. Service charges may reduce earnings.
Offer: Less than $10,000
0.10% interest rate · $20 monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 1.90% $100,000 – $199,999 2.66% $200,000 and up 3.05% Rate checked
More details - 0.16%APY$16 a year on $10,000with conditions
Requirements
Product: Requires maintaining a First Federal Bank checking account. Up to 6 transfers per month allowed by telephone, preauthorized transfer, or other customer order; $10 charge per withdrawal over 6 per month. $14 monthly fee waived with a $2,500 daily balance. Interest compounded daily and credited monthly.
Offer: Maintain $2,500 daily balance to waive the $14 monthly service charge.
Qualified rate · Compounded daily · $14 monthly fee · Effective Oct 25, 2025
Rate by balance
Rate by balance for Cash Management Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.16% $50,000 – $250,000 0.53% $250,000 – $750,000 0.74% $750,000 – $1,000,000 0.87% $1,000,000 and up 1.08% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest compounded quarterly; dividend credited quarterly.
Offer: Interest compounded quarterly; dividend credited quarterly.
0.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Primary share account establishing credit union membership/ownership with a $5.00 minimum balance. Interest compounded quarterly; dividend credited quarterly.
Offer: Interest compounded quarterly; dividend credited quarterly.
0.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $1,000 average daily balance or direct deposit to avoid $15 monthly service charge.
Offer: $1,000 average daily balance or direct deposit to avoid $15 monthly service charge.
0.10% interest rate · $15 monthly fee · Effective Mar 1, 2026
Rate checked
More details - Radiant Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.10%–0.30% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Compounded daily. No monthly service fee.
Offer: Compounded daily.
0.10% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $200,000 0.20% $200,000 and up 0.30% Rate checked
More details - Radiant Credit UnionSpecial ShareSavings · $500 min · 0.05%–0.08% by balance
Credit union · 2 branches
0.08%APY$8 a year on $10,000Requirements
Product: Quarterly compounding. Great for vacation or holiday savings accounts. No limitation as to how many shares can be opened.
Offer: Quarterly compounding.
0.05% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Special Share Balance APY $500 – $10,000 0.05% $10,000 and upYour amount 0.08% Rate checked
More details - Radiant Credit UnionRegular ShareSavings · $500 min · 0.05%–0.08% by balance
Credit union · 2 branches
0.08%APY$8 a year on $10,000Requirements
Product: Quarterly compounding.
Offer: Quarterly compounding.
0.05% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Regular Share Balance APY $500 – $10,000 0.05% $10,000 and upYour amount 0.08% 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 Gainesville, FL
42 accounts at 14 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 0.30%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.09%
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Gainesville, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Suncoast Credit UnionCredit union · 1 branch
- Radiant Credit UnionCredit union · 7 branches
- Self-Help Credit UnionCredit union · 2 branches