Compare Bank & Credit Union Rates
Best savings rates in Florida
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 181–195 results in Florida
- Memorial Employees Financial Credit UnionAdvantage Money MarketAdvantage Money Market · $10,000 min
Credit union · 6 branches
0.47%APY$47 a year on $10,000Requirements
Product: Other rates may be available.
Offer: Minimum balance of $10,000 to earn stated APY. Other rates may be available. Up to 6 withdrawals per month (only 3 can be by check).
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - McCoy Federal Credit UnionMoney Market Share AccountMoney Market Share Account · $1,000 min
Credit union · 15 branches
0.45%APY$45 a year on $10,000Requirements
Product: Minimum $1,000 deposit required; balances of $1,000 or more earn dividends. Up to 6 withdrawals per month allowed via automated means or check. Monthly rate adjustments apply and current rates are subject to change. Effective date 2026-01-01.
Offer: Balance threshold for tier: $1,000 or more. Monthly withdrawal allowance: 6 per month.
0.45% interest rate · Effective Jan 1, 2026
Rate checked
More details - iTHINK FinancialMoney Market Max AccountMoney Market Max Account · $0 min · 0.45%–1.45% by balance
Credit union · 15 branches
0.45%APY$45 a year on $10,000Requirements
Product: $500 Minimum balance is required to avoid a minimum balance fee. Tiered Accounts: The dividend rate is paid based on the total balance in the account. Fees may reduce earnings. Rates are variable and may change after the account is opened.
Offer: Tiered Accounts: The dividend rate is paid based on the total balance in the account. $500 Minimum balance is required to avoid a minimum balance fee. Fees may reduce earnings. Rates are variable.
0.45% interest rate · Effective Mar 24, 2026
Rate by balance
Rate by balance for Money Market Max Account Balance APY Up to $10,000 0.45% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 1.00% $250,000 and up 1.45% Rate checked
More details - First BankRelationship Money Market AccountRelationship Money Market Account · $1,001 min · 0.45%–2.34% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Requires a Relationship Checking Account. Minimum $1,000 to open. $15 monthly service fee if balance falls below $1,000. Maximum 6 withdrawals or transfers per statement cycle.
Offer: Requires a Relationship Checking Account.
Qualified rate · 0.45% interest rate
Rate by balance
Rate by balance for Relationship Money Market Account Balance APY $1,001 – $10,001Your amount 0.45% $10,001 – $50,001 0.90% $50,001 – $150,001 1.66% $150,001 and up 2.34% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Minimum daily balance requirement of $1 must be met each day of the statement cycle to earn stated APY; if balance falls below, a monthly maintenance fee may be assessed.
0.45% interest rate · Effective Oct 2, 2026
Rate checked
More details - Pinellas Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.25%–1.25% by balance
Credit union · 3 branches
0.45%APY$45 a year on $10,000Requirements
Product: Must have a regular savings account with PFCU. No minimum balance to open and no minimum balance to maintain. No monthly service fees. The minimum balance to earn dividends is $2,500. No limit on dollar amount that can be withdrawn, but maximum number of withdrawals is limited to 6 per month (Regulation D transfer limits apply). ATM and debit cards are not permitted.
0.25% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.25% $2,500 – $10,000 0.35% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.60% $50,000 – $100,000 1.00% $100,000 and up 1.25% Rate checked
More details - Florida West Coast CUMoney MarketMoney Market · $2,000 min · 0.05%–0.75% by balance
Credit union · 5 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 - 0.45%APY$45 a year on $10,000
Requirements
Product: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance. Rates may change after account is opened.
Offer: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance.
Compounded daily · $10 monthly fee · Effective Jan 15, 2026
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Up to three withdrawals per month. Rates and yields depend upon relationship tier. Account rates are variable. Interest compounded quarterly.
Offer: Interest compounded quarterly. Rates and yields depend upon relationship tier. Account rates are variable. Fees may reduce earnings. APY = As High As Annual Percentage Yield.
0.45% interest rate · Compounded quarterly
Rate checked
More details - Dade County Federal Credit UnionMoney ManagementMoney Management · $2,500 min · 0.40%–1.06% by balance
Credit union · 11 branches
0.45%APY$45 a year on $10,000Requirements
Product: Minimum of $2,500.00 required to open account.
0.40% interest rate · Effective Feb 17, 2026
Rate by balance
Rate by balance for Money Management Balance APY $2,500 – $5,000 0.40% $5,000 – $50,000Your amount 0.45% $50,000 – $100,000 0.65% $100,000 – $250,000 0.95% $250,000 and up 1.06% 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 - Memorial Employees Financial Credit UnionMoney MarketMoney Market · $2,500 min
Credit union · 6 branches
0.42%APY$42 a year on $10,000Requirements
Product: Other rates may be available.
Offer: Minimum balance of $2,500 to earn stated APY. Other rates may be available. Up to 6 withdrawals per month (only 3 can be by check).
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: For High Yield Investment accounts, there can be only one (1) free withdrawal per month. Subsequent withdrawals are subject to a $25 fee.
0.40% interest rate
Rate checked
More details - First Commerce Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–1.15% by balance
Credit union · 8 branches
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 - 0.40%APY$40 a year on $10,000
Requirements
Offer: Monthly maintenance service charge is avoided with a minimum balance of $200.
0.40% interest rate · $5 monthly fee · Effective Sep 24, 2026
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 Florida
554 accounts at 207 banks and credit unions · checked Oct 16–23
- Typical
- 0.20%
- Top 10% from
- 2.08%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.25%
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Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch