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 31–45 results in Miami, FL
- University Credit UnionMoney Market Checking Accounts (MMAs)Money Market Checking Accounts (MMAs) · $0 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Minimum account balance of $2,000. $500 withdrawal minimum per transaction. Fees could reduce earnings.
Rate by balance
Rate by balance for Money Market Checking Accounts (MMAs) Balance APY Up to $2,000 0.10% $2,000 – $40,000Your amount 0.25% $40,000 and up 0.30% Rate checked
More details - Miami Firefighters Federal Credit UnionMoney Market CheckingMoney Market Checking · $10,000 min
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: No minimum balance required to open the account, however a minimum balance of $10,000 is required to earn dividends. Features check writing and Visa debit card access, with no early withdrawal penalties.
0.20% interest rate · Effective May 1, 2025
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest.
Offer: Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest.
$20 monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Max Balance APY $10,000 – $50,000Your amount 0.15% $50,000 – $100,000 0.50% $100,000 and up 1.35% Rate checked
More details - Miami Firefighters Federal Credit UnionShare (Savings) AccountSavings · $50 min
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: A balance of at least one share ($5) is required to establish and maintain membership. The balance in the Membership Savings Account must not be reduced below $5.
Offer: A balance of at least one share ($5) is required to establish and maintain membership. Must maintain a minimum balance of one share ($5).
0.15% interest rate · Effective May 1, 2025
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived 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: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
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: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
Offer: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
$15 monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 0.10% $50,000 – $100,000 0.20% $100,000 and up 0.30% Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: $50 minimum opening deposit. The monthly service charge is refunded within 3 business days when the primary or joint account holder has an active Elite Checking account, or if the total combined balance in consumer deposit accounts is at least $5,000. Otherwise, a $9 monthly service charge applies. Tiered interest at money market rates based on daily balance compounded and credited monthly.
Offer: Monthly service charge refunded within 3 business days when linked to an active Elite Checking account or with $5,000+ total combined balance in consumer deposit accounts. Otherwise $9/month.
$9 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 0.15% Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 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: Non-qualifying rate when checking and direct deposit requirements are not met.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% Rate checked
More details - Justice Federal Credit UnionShare SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A $5 minimum balance in a Savings Account is required to establish and maintain membership. Direct deposit and automatic transfers available. Variable rate account; fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $4 monthly service fee can be avoided by maintaining an average monthly balance of $500. Up to 6 transfers/withdrawals per statement cycle without fee; $5 fee per preauthorized debit in excess of 6.
Offer: $4 monthly service fee can be avoided by maintaining a $500 average monthly balance.
0.05% interest rate · $4 monthly fee · Effective Nov 3, 2025
Rate by balance
Rate by balance for Popular Savings Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Avoid monthly maintenance fee by maintaining an average daily balance of $250. Interest rates may vary after account opening.
0.10% interest rate · Balance cap $99,999.99 · $5 monthly fee · Effective Oct 6, 2025
Rate checked
More details - Dade County Federal Credit UnionShare SavingsSavings · $100 min · 0.05%–0.15% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County are eligible. Primary membership account. Dividends compounded and credited quarterly. Maintain an average daily balance of $100 to earn dividends. A $25 closing fee applies if closed within the first 180 days of opening.
Offer: Maintain an average daily balance of $100 to earn dividends.
0.05% interest rate · Effective Feb 17, 2026
Rate by balance
Rate by balance for Share Savings Balance APY $100 – $500 0.05% $500 – $5,000 0.05% $5,000 – $50,000Your amount 0.10% $50,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes credit union membership; minimum balance of $5.00 required at all times.
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