Compare Bank & Credit Union Rates
Best savings rates in Pensacola, 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 Pensacola, 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to High Yield Checking or Free Rewards Checking. Automatic transfer of checking rewards.
Offer: Qualifications met during Monthly Qualification Cycle (at least 12 debit card purchases and at least 1 ACH credit or ACH payment transaction posting/settling to linked High Yield Checking or Free Rewards Checking).
Qualified rate · 1.98% interest rate · Effective Mar 29, 2023
Rate by balance
Rate by balance for Free Saver Account Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.25%* Rate checked
More details - Bank of PensacolaMoney Market Deposit AccountMoney Market Deposit Account · $2,500 min · 1.00%–2.00% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Transfers from a Money Market Deposit Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. A service charge of $5.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. Interest on this account is credited each monthly statement cycle.
Offer: Tier applies to balances below $2,500. Service charge of $5.00 imposed each monthly statement cycle if the average daily balance falls below $500.00.
1.00% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Any balance 1.00% $2,500 and upYour amount 2.00% Rate checked
More details - PenAir Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.75% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Available to members who live, work, go to school or worship in specified counties (from Mobile County, AL to Leon County, FL). Rates on deposit accounts may change after account opening.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.75% $25,000 – $75,000 1.75% $75,000 – $200,000 1.75% $200,000 and up 1.75% 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 - Gulf Winds Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.30%–2.25% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Membership eligibility required. Account opening subject to approval. Rates apply to entire balance. Dividends calculated daily and compounded monthly. Fees may reduce earnings.
0.30% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.30% $2,500 – $25,000Your amount 0.40% $25,000 – $75,000 1.00% $75,000 – $150,000 1.30% $150,000 – $250,000 1.50% $250,000 – $500,000 1.75% $500,000 and up 2.25% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership eligibility required. Variable rate account adjusting monthly based on Credit Union earnings. Becoming a member automatically opens a Share Savings account.
Offer: Minimum daily balance to earn dividends is $100.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A service charge of $5 will be charged if the average daily balance falls below $250 during the statement cycle. Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. Interest on this account is credited quarterly.
Offer: Minimum balance of $50 is required to earn interest. Deposit Rates are subject to change. A service charge of $5 will be charged if the average daily balance falls below $250 during the statement cycle. A service charge of $1 will be charged for each debit transaction in excess of three during a quarter.
0.30% interest rate · $5 monthly fee
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Requires purchasing and maintaining at least 1 share ($5.00 par value) for credit union membership. Dividends are compounded and credited monthly using the average daily balance method.
Offer: A minimum average daily balance of $100.00 is required to earn the disclosed APY. A minimum average daily balance is required to avoid a service fee.
0.30% interest rate · Effective Jan 31, 2026
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Variable rate subject to change without notice after opening. Minimum balance of $5 required.
0.25% interest rate · Effective Oct 1, 2021
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 Pensacola, FL
36 accounts at 14 banks and credit unions · checked Oct 15–22
- Typical
- 0.07%
- Top 10% from
- 2.00%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.30%
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Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches