Compare Bank & Credit Union Rates
Best savings rates in Winter Park, 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 Winter Park, FL
- 4.01%APY$401 a year on $10,000
Requirements
Product: Saving accounts are not eligible for Bill Payment or External Account-to-Account (A2A) transfers.
Offer: No minimum balance required to earn interest. Account is set up to receive monthly e-statements; a $5.00 paper statement fee applies if you opt for paper. Unlimited withdrawals.
3.93% interest rate · Effective Feb 25, 2026
Rate checked
More details - 3.39%APY$339 a year on $10,000
Requirements
Product: $10 minimum opening deposit. Designed for first-time home buyers saving for a down payment.
Effective Oct 5, 2026
Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Automatically bundled with a Spend Smart Checking Account. $10 minimum opening deposit. No monthly service charge and no minimum balance requirement. Premium rate applied to the first $100,000 in the Save Smart Savings account; balances above $100,000 earn 0.10% APY.
Offer: Premium rate applied to the first $100,000 in the Save Smart Savings account.
Qualified rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Suncoast Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $1,000 min · 0.50%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Suncoast High Yield Checking account is required to open. Limited to one high yield money market account per member.
Offer: Requires active High Yield Checking account and $2,000 monthly deposit minimum in High Yield Checking and/or High Yield Savings (excluding internal account-to-account transfers; deposits directly to the High Yield Money Market are not included).
Qualified rate · No monthly fee · Effective Mar 4, 2025
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $25,000Your amount 3.00% $25,000 and up 0.50% Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: Member must maintain $5 par value. All share accounts are variable rate accounts.
Offer: $5 monthly fee if daily balance is below $500 (waived by maintaining a daily balance of $500 or more). Variable rate. Member must maintain $5 par value.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Suncoast Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.25%–3.50% by balance
Credit union · 1 branch
1.40%APY$140 a year on $10,000Requirements
Product: Tiered dividend rate. Once a balance range is met, the rate applies to the full balance of the account. No minimum balance required to maintain the account, but a minimum balance of $1,000 is needed to earn interest/APY.
Offer: Minimum of $1,000 balance is required to earn interest.
No monthly fee · Effective Sep 2, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Any balance 1.25% $1,000 and upYour amount 1.40% $25,000 and up 1.50% $50,000 and up 1.60% $100,000 and up 2.50% $250,000 and up 3.00% $500,000 and up 3.50% Rate checked
More details - VyStar Credit UnionMoney MarketMoney Market · $0 min · 0.90%–1.45% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are calculated daily, compounded daily and credited monthly. Account includes checks and a debit card.
0.90% interest rate · Compounded daily · Effective Jan 22, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.90% $10,000 – $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 and up 1.45% 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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Gateway to membership; member must maintain $5 par value. All share accounts are variable rate.
Offer: No minimum balance to earn dividends.
0.30% interest rate
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 · 1 branch
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 - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% 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
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 Winter Park, FL
49 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.54%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Orlando, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Climate First BankBank · 3 branches
- Suncoast Credit UnionCredit union · 4 branches
- Unity of Eatonville FCUCredit union · 1 branch