Compare Bank & Credit Union Rates
Best savings rates in Tampa, 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 Tampa, FL
- Metro Federal Credit UnionVIP Money MarketVIP Money Market · $100 min · 0.25%–0.95% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: No monthly service fee. No minimum balance. Compounded monthly. Minimum cash or check withdrawal amount is $500.00 to avoid processing fee. Maximum total number of three checks paid per month; additional checks cleared or cash withdrawals subject to processing fee. Debit card and mobile deposit not eligible for money market accounts.
Offer: Compounded monthly; paid monthly on the last day of the month.
0.25% interest rate · Compounded monthly · No monthly fee
Rate by balance
Rate by balance for VIP Money Market Balance APY $100 – $4,999 0.25% $5,000 – $9,999 0.35% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.65% $50,000 and up 0.95% Rate checked
More details - Florida West Coast CUMoney MarketMoney Market · $2,000 min · 0.05%–0.75% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: Tiered interest account. Minimum withdrawal is $500.00. Minimum to earn interest is $2,000.00. Can write up to three checks per month. All Savings products require a $5.00 deposit to open an account. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening.
Offer: Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of account opening.
0.05% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $10,000 0.05% $10,000 – $50,000Your amount 0.45% $50,000 and up 0.75% Rate checked
More details - 0.43%APY$43 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Minimum balance to open is $5; maximum balance to open is $400. Monthly deposit between $20 and $400. $100 bonus deposited within 90 days upon reaching $10,000, then funds transferred to Basic Savings Account. Variable rate. APY accurate as of 10/15/2026. Balances $0.01 and over receive stated dividend and APY.
Offer: Minimum balance to open is $5; maximum balance to open is $400. Monthly deposit between $20 and $400. $100 bonus deposited within 90 days upon reaching $10,000, then funds transferred to Basic Savings Account. Variable rate. Balances $0.01 and over receive stated dividend and APY.
0.35% interest rate · Effective Oct 15, 2026
Rate checked
More details - BayFirst FinancialBayLive Money Market AccountBayLive Money Market Account · $100 min · 0.05%–2.59% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Must pair with a BayLive Checking account. $20 service charge per statement cycle if daily balance falls below $1,000 on any day of the month. Pre-authorized/automatic withdrawals or transfers limited to 6 per month.
Offer: Applies to all balances if the paired BayFirst checking account is non-active. $20 service fee if daily balance falls below $1,000.
Qualified rate · $20 monthly fee · Effective Apr 2, 2026
Rate by balance
Rate by balance for BayLive Money Market Account Balance APY Any balance 0.05% $10,000 – $25,000Your amountRequires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 0.35% $25,000 – $50,000Requires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 1.20% $50,000 and upRequires active BayLive Checking account (direct deposit of payroll, SSI, or other income and 10 electronic debit transactions per monthly statement cycle). 2.59% Rate checked
More details - Tampa Postal Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: If balance goes below $1,000, no dividends are earned until brought back up to $1,000. Variable rate accounts; rates may change after account opening.
Offer: $1,000 minimum balance required to earn dividends.
0.30% interest rate · No monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $9,999 0.30% $10,000 – $24,999Your amount 0.35% $25,000 – $49,999 0.45% $50,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
0.20% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $8 monthly maintenance fee waived with $2,500 minimum daily balance. Rates vary by daily balance tier.
Offer: Daily balances up to $999.99 earn 0.20% APY.
0.20% interest rate · $8 monthly fee
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $1,000 0.20% $1,000 – $10,000 0.20% $10,000 – $50,000Your amount 0.30% $50,000 – $250,000 0.40% $250,000 and up 0.50% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% 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
Product: Primary account establishing credit union membership ($5 minimum opening deposit). $5 monthly Non-Relationship Fee applies on accounts with only Member Savings; waived if account maintains a $300 daily average balance, primary member is under 24 years of age, receives direct deposit, has VIP Status, or holds other LMCU accounts (checking, loan, or CD).
Offer: Requires $100 minimum balance to earn interest. $5 monthly fee waived with $300 daily average balance, primary member under 24, direct deposit, VIP status, or other qualifying LMCU accounts.
0.25% interest rate · $5 monthly fee · Effective Jul 20, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250; otherwise a $5 quarterly service charge is applied.
Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires a Membership Savings Account to be established prior to opening.
Offer: Dividends compounded monthly and credited monthly.
Compounded monthly · Effective Mar 18, 2024
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Your Suncoast membership starts with this share savings account. Must maintain a balance of $5 to stay a member.
Offer: Dividends compounded monthly and credited monthly.
Compounded monthly · Effective Mar 18, 2024
Rate checked
More details - Suncoast Credit UnionHigh Yield Savings AccountSavings · $0 min · 0.25%–4.50% by balance
Credit union · 5 branches
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: High Yield Checking account required. Must deposit $2,000 in aggregate monthly to High Yield Checking or High Yield Savings (excluding internal transfers) to qualify for the high yield rate.
Offer: Requires active High Yield Checking account and $2,000 monthly deposit minimum in High Yield Checking and/or High Yield Savings.
Qualified rate · No monthly fee · Effective Mar 4, 2025
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $500 4.50% Over $500Your amount 0.25% 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 Tampa, FL
130 accounts at 43 banks and credit unions · checked Oct 15–22
- Typical
- 0.09%
- Top 10% from
- 1.67%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches