Compare Bank & Credit Union Rates
Best savings rates in Lakeland, 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 Lakeland, 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 - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Tiered interest rate computed daily and paid quarterly on balances of $100 or more. No minimum balance or deposit required, no monthly fees, and no withdrawal penalties.
0.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Savings Balance APY Up to $100 0.00% $100 – $100,000Your amount 1.75% $100,000 – $250,000 2.90% $250,000 – $500,000 3.15% $500,000 – $1,000,000 3.15% $1,000,000 and up 3.90% 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 - Trax Credit UnionMoney MarketMoney Market · $2,000 min · 1.00%–1.45% by balance
Credit union · 2 branches
1.15%APY$115 a year on $10,000Requirements
Product: Compounded monthly. Account must maintain a $2,000 minimum daily balance to avoid closing.
Offer: Compounded monthly.
1.00% interest rate · Compounded monthly · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,000 and up 1.00% $10,000 and upYour amount 1.15% $25,000 and up 1.35% $50,000 and up 1.45% Rate checked
More details - 1.05%APY$105 a year on $10,000
1.04% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lake Michigan Credit UnionMax Money MarketMax Money Market · $0 min · 1.00%–3.90% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: A member savings account with a $5 minimum balance is required to establish and maintain membership. No minimum deposit and no monthly fees. Includes check-writing access. Interest is accrued daily and paid monthly. Variable rates subject to change after account opening.
1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Money Market Balance APY Up to $2,500 1.00% $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.90% $250,000 – $1,000,000 3.15% $1,000,000 and up 3.90% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account establishing credit union membership ($5 minimum opening deposit). $5 monthly Non-Relationship Fee applies on accounts with only Member Savings; waived if account maintains a $300 daily average balance, primary member is under 24 years of age, receives direct deposit, has VIP Status, or holds other LMCU accounts (checking, loan, or CD).
Offer: Requires $100 minimum balance to earn interest. $5 monthly fee waived with $300 daily average balance, primary member under 24, direct deposit, VIP status, or other qualifying LMCU accounts.
0.25% interest rate · $5 monthly fee · Effective Jul 20, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires a Membership Savings Account to be established prior to opening.
Offer: Dividends compounded monthly and credited monthly.
Compounded monthly · Effective Mar 18, 2024
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Your Suncoast membership starts with this share savings account. Must maintain a balance of $5 to stay a member.
Offer: Dividends compounded monthly and credited monthly.
Compounded monthly · Effective Mar 18, 2024
Rate checked
More details - Suncoast Credit UnionHigh Yield Savings AccountSavings · $0 min · 0.25%–4.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: High Yield Checking account required. Must deposit $2,000 in aggregate monthly to High Yield Checking or High Yield Savings (excluding internal transfers) to qualify for the high yield rate.
Offer: Requires active High Yield Checking account and $2,000 monthly deposit minimum in High Yield Checking and/or High Yield Savings.
Qualified rate · No monthly fee · Effective Mar 4, 2025
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $500 4.50% Over $500Your amount 0.25% Rate checked
More details - GTE FinancialSavings Account (Regular Shares)Savings · $5 min · 0.00%–0.50% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Primary savings account / Member-Owner Share requires a $5 deposit to become a member. Balances of $100 or more earn dividends.
0.00% interest rate
Rate by balance
Rate by balance for Savings Account (Regular Shares) Balance APY Up to $100 0.00% $100 – $500 0.50% $500 and upYour amount 0.15% 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 - Faith Connection FCUMoney Market AccountMoney Market Account · $2,500 min · 0.05%–1.01% by balance
Credit union · 1 branch
0.08%APY$8 a year on $10,000Requirements
Product: Dividends compounded monthly and credited quarterly. Average Daily Balance. A penalty is imposed for early withdrawal. Fees could reduce earnings.
0.05% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.08% $25,000 – $50,000 0.25% $50,000 – $100,000 0.50% $100,000 and up 1.01% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must be 18 years or older.
Offer: Tier 1: 0.05% APY for daily balances of $0.01 - $4,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge.
$25 monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.05% $100,000 – $500,000 0.05% $500,000 – $1,500,000 0.10% $1,500,000 – $2,500,000 0.10% $2,500,000 – $5,000,000 0.10% $5,000,000 – $10,000,000 0.10% $10,000,000 and up 0.01% 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 Lakeland, FL
47 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.02%
- Banks, typical
- 0.01%
- Credit unions, typical
- 0.05%
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Lakeland, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 1 branch
- Suncoast Credit UnionCredit union · 3 branches
- Lake Michigan Credit UnionCredit union · 1 branch