Compare Bank & Credit Union Rates
Best savings rates in Panama City, 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 Panama City, FL
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.
Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.
Promotional rate · 3.92% interest rate · $10 monthly fee · Effective Jun 30, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - First Commerce Credit UnionMomentum Money MarketMomentum Money Market · $2,500 min · 0.75%–4.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly using a blended rate across balance tiers. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
Offer: Blended rate tier on balances between $0.01 and $9,999.99; earn up to 4.00% APY on balances under $10,000.
3.93% interest rate · Compounded monthly · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Momentum Money Market Balance APY Up to $10,000 4.00% $10,000 – $25,000Your amount 3.00% $25,000 – $500,000 2.00% $500,000 and upBlended rate tier on balances $250,000 or more. 0.75% Rate checked
More details - Panhandle Credit UnionMoney MarketMoney Market · $1,000 min · 0.75%–2.25% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Minimum balance of $1,000.
0.75% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $9,999 0.75% $10,000 – $24,999Your amount 0.80% $25,000 – $49,999 1.00% $50,000 – $99,999 1.25% $100,000 – $249,999 1.25% $250,000 and up 2.25% Rate checked
More details - Tyndall Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.00%–1.25% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Tiered-rate account where the rate for the qualifying balance applies to the full balance. Dividends calculated daily, compounded and credited monthly. Limited to 6 preauthorized or electronic transfers per month. $10.00 monthly service fee is waived if account maintains a minimum average daily balance of $2,500.
Offer: Monthly fee of $10.00 is waived if the account maintains a minimum average daily balance of $2,500.
0.00% interest rate · $10 monthly fee · Effective Jan 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.00% $50,000 and up 1.25% Rate checked
More details - 0.72%APY$72 a year on $10,000
Requirements
Product: Requires a balance of $2,500 to remain open and earn higher dividends. Higher balances earn higher dividends. No early withdrawal fee.
0.72% interest rate · Effective Mar 1, 2025
Rate checked
More details - Hello Credit UnionSunnyside Up! SavingsSavings · $0 min · 0.50%–5.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,0004.88% interest rate · Effective Jan 28, 2026
Rate by balance
Rate by balance for Sunnyside Up! Savings Balance APY Up to $500 5.00% Over $500Your amount 0.50% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% Rate checked
More details - First Commerce Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–1.15% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit $2,500. A $10 monthly fee is assessed on balances below $2,500 (no fees on average daily balances of $2,500 or higher). Free check writing up to 3 per month. All dividends are posted quarterly.
Offer: Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
Qualified rate · 0.15% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.55% $50,000 – $100,000 0.80% $100,000 – $250,000 1.05% $250,000 – $500,000 1.10% $500,000 and up 1.15% Rate checked
More details - First Commerce Credit UnionMoney MarketMoney Market · $2,500 min · 0.10%–1.10% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit $2,500. A $10 monthly fee is assessed on balances below $2,500 (no fees on average daily balances of $2,500 or higher). Free check writing up to 3 per month. All dividends are posted quarterly.
Offer: Standard rate. Fee waived on average daily balances of $2,500 or higher.
Qualified rate · 0.10% interest rate · $10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 – $500,000 1.05% $500,000 and up 1.10% Rate checked
More details - 0.30%APY$30 a year on $10,000
Effective Mar 1, 2025
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Dividends paid quarterly on average daily balance. Valid picture ID and proof of residence required to establish membership.
Effective Mar 1, 2025
Rate checked
More details - Innovations Financial Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–2.40% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Rates are variable and subject to change monthly. Accurate as of the last dividend date. Fees may reduce earnings. Up to $500,000 combined federal (NCUA) and private share savings deposit insurance available.
0.25% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 and upYour amount 0.25% $100,000 and up 1.00% $250,000 and up 2.40% Rate checked
More details - Hello Credit UnionMoney Market AccountMoney Market Account · $1,500 min · 0.15%–0.55% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Minimum balance is $1,500. Limited to six withdrawals per month. Dividends earned are posted on the last day of each month.
Offer: Balance tier requires $1,500 minimum.
0.15% interest rate · Effective Jan 28, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,500 and upYour amount 0.15% $25,000 and up 0.35% $100,000 and up 0.55% 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 Panama City, FL
35 accounts at 12 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.12%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.28%
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Panama City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 8 branches
- Champions First Credit UnionCredit union · 1 branch
- Community South Credit UnionCredit union · 2 branches