Compare Bank & Credit Union Rates
Best savings rates in Sarasota, 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 Sarasota, FL
- BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 1 branch
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 - 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 - 2.99%APY$299 a year on $10,000intro rate
Requirements
Product: Open with as little as $50. Deposits contribute towards sustainable energy, affordable housing, and nonprofits. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
Offer: 12-month promotional APY of 2.99% and interest rate of 2.95% on new Impact market savings accounts opened between April 22, 2026, and December 31, 2026. A balance of $0.01 is needed to earn the APY. After 12 months, APY and interest rate return to standard tier rates.
Promotional rate · 2.95% interest rate · Effective Oct 1, 2026
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% 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 - 1.19%APY$119 a year on $10,000
Requirements
Product: Up to six transactions/withdrawals per month. $3.00 monthly service charge/maintenance fee if daily balance falls below $50 at any time during monthly statement cycle.
Offer: Monthly fee of $3.00 imposed if daily balance falls below $50 on any day of the statement cycle.
$3 monthly fee · Effective Apr 2, 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 - 0.85%APY$85 a year on $10,000intro rate
Requirements
Product: Open with as little as $50. Deposits contribute towards sustainable energy, affordable housing, and nonprofits. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
Offer: Rate applies if balance is less than or equal to $99,999.99.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Impact Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - Stearns BankAbove the Norm Personal Market SavingsSavings · $50 min · 0.85%–2.99% by balance
Bank · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Open a savings account with as little as $50. Rates are accurate as of 10/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.
Offer: A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Above the Norm Personal Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 1st Street Credit UnionMONEY MARKETMONEY MARKET · $1,000 min · 0.65%–1.26% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Initial deposit of $1,000; additional deposits of $250 or more; withdrawals in $500 increments up to 6 per calendar month (additional withdrawals charged a $2.00 fee per withdrawal). Dividends earned on average daily balance and paid quarterly. No monthly service charges, withdrawal penalties or investment periods.
No monthly fee · Effective Jun 5, 2023
Rate by balance
Rate by balance for MONEY MARKET Balance APY $1,000 and upYour amount 0.65% $50,000 and up 0.85% $100,000 and up 1.05% $150,000 and up 1.26% 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
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 Sarasota, FL
60 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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North Port, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Suncoast Credit UnionCredit union · 8 branches
- SUMA Federal Credit UnionCredit union · 1 branch
- EverenceCredit union · 1 branch