Compare Bank & Credit Union Rates
Best savings rates in Miami, 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 Miami, FL
- 4.40%APY$440 a year on $10,000with conditions
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.
Qualified rate
Rate checked
More details - 4.25%APY$425 a year on $10,000
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.
No monthly fee · Effective Sep 29, 2026
Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $0 min · 0.15%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
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.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.15% Rate checked
More details - 3.56%APY$356 a year on $10,000
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.
Balance cap $250,000 · No monthly fee · Effective Apr 20, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000intro rate
Requirements
Product: Domestic personal accounts only (advertised rate applies in Florida). Must be a US citizen or resident alien with valid US TIN. Variable rate account. Must open an account by 10/09/2026 to get the promotional rate. $35 monthly service fee waived by maintaining a $50,000 balance per statement cycle. 6 free withdrawals/transfers per statement cycle ($12 each after). Minimum $100 balance required to earn interest.
Offer: Promotional rate; must open account by 10/09/2026. Stated offer is valid only for Domestic Personal Account customers in Florida. Must be a citizen or resident alien of the US with valid US TIN. Variable rate account. $35 monthly service fee waived with $50,000 balance per statement cycle.
Promotional rate · $35 monthly fee · Effective Sep 10, 2026
Rate checked
More details - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 3 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Available to new clients who have never held an account with BankUnited, N.A., or existing clients who deposit new funds not currently on deposit with BankUnited. Monthly maintenance fee waived when minimum daily balance is maintained. After the 6-month promotional period, converts to standard Money Market account at the then-current variable APY.
Offer: Promotional APY applies for the first 6 months on all balances. Monthly maintenance fee waived when required minimum daily balance is maintained. After 6 months, converts to variable rate. Available to new clients or existing clients depositing new funds.
Promotional rate · Effective Jul 14, 2026
Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
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 automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.10%APY$210 a year on $10,000
Requirements
Product: Variable rate subject to change at any time. No monthly maintenance fee and no monthly balance requirements.
Offer: Variable rate. No monthly maintenance fee. No ongoing monthly balance requirements.
No monthly fee · Effective Oct 27, 2025
Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Available for U.S. Citizens or U.S. Permanent Residents. Available opening methods: Online or at a BBA Branch. Requires SSN, Driver's License, and valid proof of U.S. address. Online account opening offers e-statements only and does not issue checks; branch account opening offers checks and e-statements. Enrollment in Online Banking required within 30 days of opening.
Offer: Maintain a minimum daily account balance of $1,000.00 each day of the statement cycle to waive the $20 monthly maintenance fee.
1.34% interest rate · $20 monthly fee · Effective Dec 17, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 1.35% $10,000 – $100,000Your amount 1.65% $100,000 – $250,000 2.35% $250,000 and up 2.35% Rate checked
More details - Miami Firefighters Federal Credit UnionMoney Market Savings AccountMoney Market Savings Account · $50 min · 1.00%–1.85% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Tiered account. Once a particular range is met the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open the account, however a minimum balance of $50 is required to earn dividends.
1.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $2,500 1.00% $2,501 – $10,000Your amount 1.60% $10,001 – $250,000 1.65% $250,001 and up 1.85% Rate checked
More details - Space Coast Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.00%–2.25% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Membership in Space Coast Credit Union required (maintain a Share Savings account with $5 minimum deposit). Open to relatives of current members and those who work or live in eligible Florida counties. Minimum opening deposit is $2,500. $15 monthly low balance fee applies if minimum daily balance of $2,500 is not maintained; no monthly service fee.
Offer: Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met.
0.00% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.00% $2,500 – $10,000 1.25% $10,000 – $25,000Your amount 1.50% $25,000 – $50,000 1.75% $50,000 – $100,000 2.00% $100,000 – $250,000 2.15% $250,000 and up 2.25% Rate checked
More details - PowerNet Credit UnionHigh Voltage Money Market AccountHigh Voltage Money Market Account · 0.25%–1.50% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Tiered rates where higher investments earn higher rates; features daily interest. Fees may reduce earnings. Rate may change after account is opened.
Offer: Fees may reduce earnings. Rate may change after account is opened.
Effective Oct 1, 2026
Rate by balance
Rate by balance for High Voltage Money Market Account Balance APY Up to $2,500 0.25% $2,500 – $5,000 1.15% $5,000 – $10,000 1.25% $10,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.40% $50,000 and up 1.50% Rate checked
More details - Popular BankPopular Saver Money Market AccountPopular Saver Money Market Account · $100 min · 0.05%–3.25% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Minimum opening deposit is $100. Monthly service fee of $15 is assessed if the minimum daily balance falls below $10,000. Up to 6 transfers/withdrawals per statement cycle without a fee. Variable rates subject to change.
Offer: Initial deposit / balance of $0.01 - $9,999.99. Variable rate. Monthly fee of $15 applies if minimum daily balance is below $10,000.
0.05% interest rate · $15 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Popular Saver Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $50,000 – $250,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $250,000 and upMonthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.25% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Available for U.S. Citizens or U.S. Permanent Residents. $1,000 minimum opening balance. $1,000 minimum daily balance required to earn APY. $5 monthly maintenance fee waived by maintaining a minimum daily account balance of $300 on each day of the statement cycle.
Offer: Minimum daily balance of $1,000 required to obtain advertised APY. $5 monthly fee waived if minimum daily balance of $300 is maintained on each day of the statement cycle.
0.55% interest rate · $5 monthly fee · Effective Dec 17, 2025
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 Miami, FL
82 accounts at 31 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.06%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches