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 61–75 results in Florida
- Pinellas Federal Credit UnionKasasa SaverSavings · $0 min · 1.00%–2.00% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Offer: If Kasasa Saver Monthly Requirements are Met.
Qualified rate · 1.98% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 2.00% Over $50,000 1.00% 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 · 2 branches
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires linking to a free Sail Checking or Surf Checking account; limit of 1 account per member. No recurring monthly maintenance fees or opening minimum deposit.
Offer: Qualifying rate tier when linked Sail or Surf Checking account qualifications are met during the Monthly Qualification Cycle (including monthly direct deposit/ACH credit, online banking enrollment, and eStatements).
Qualified rate · 1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Shore Savings Balance APY Up to $100,000Your amount 2.00% Over $100,000 0.50% Rate checked
More details - ConnectOne BankConnect Money MarketConnect Money Market · $1,000 min · 2.00%–2.10% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Avoid the $10 monthly minimum balance fee by maintaining an average daily balance of $5,000 or more.
Offer: Avoid $10 monthly fee with $5,000+ average daily balance.
1.98% interest rate · $10 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connect Money Market Balance APY Up to $25,000Your amount 2.00% $25,000 and up 2.10% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number. Not for commercial purposes.
Offer: When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account (at least 15 debit card purchases, at least 1 ACH credit or ACH payment, and enrolled in eStatements during Monthly Qualification Cycle).
Qualified rate · No monthly fee · Effective Apr 8, 2024
Rate by balance
Rate by balance for Free Kasasa Saver® Balance APY Up to $100,000Your amount 2.00% Over $100,000 0.50% Rate checked
More details - Oxford Federal Credit UnionMoney MarketMoney Market · $2,500 min · 2.00%–2.50% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Open to members who live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York counties in Maine, or eligible family/household members. Requires maintaining a Share Savings account with a $5 minimum balance. Up to 3 withdrawals per month permitted.
Offer: Tier applies to balances from $2,500 to $25,000.
No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 2.00% $25,000 – $75,000 2.25% Over $75,000 2.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Prestige Plus Checking, Simply Cash Back Checking, Cash Back Eats/Simply Eats Checking, or Cash Back Play/Simply Play Checking account. Limit 1 account per SSN. $25 fee if closed within 90 days.
Offer: Applies when qualification requirements are met in the linked checking account (at least 12 debit card purchases, at least 1 direct deposit/ACH payment/bill pay, and enrollment in e-statements per Monthly Qualification Cycle).
Qualified rate · No monthly fee · Effective Aug 1, 2025
Rate by balance
Rate by balance for Super Saver Balance APY Up to $100,000Your amount 2.00% Over $100,000 1.01%* Rate checked
More details - Gold Coast Federal Credit UnionMORE Money Market Savings AccountMORE Money Market Savings Account · $0 min · 2.00%–3.00% by balance
Credit union · 4 branches
2.00%APY$200 a year on $10,000Requirements
Product: Tiered interest rates to reward every level of saver. Unlimited access to funds.
Offer: Dividends compounded/paid monthly.
1.98% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for MORE Money Market Savings Account Balance APY Up to $5,000 2.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 3.00% $100,000 and up 3.00% 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 - MASSMUTUALMoney Market PlusMoney Market Plus · $2,000 min · 1.92%–2.68% by balance
Credit union · 1 branch
1.92%APY$192 a year on $10,000Requirements
Product: Requires a $100 minimum opening deposit and a $2,000 minimum balance to earn dividends. Stated dividend rate applies to the entire account balance once a balance range is met. Limited to no more than 6 transfers and withdrawals per month. Membership requires maintaining 1 share ($5 par value) in a Primary Share account.
Offer: Tier 1: applies to entire balance for balances from $2,000.00 to $24,999.99. Minimum opening deposit of $100. Limited to 6 transfers/withdrawals per month.
1.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $2,000 – $25,000Your amount 1.92% $25,000 – $75,000 2.17% $75,000 – $125,000 2.43% $125,000 and up 2.68% Rate checked
More details - Achieva Credit UnionIndexed Money Market AccountIndexed Money Market Account · $10,000 min · 1.88%–2.81% by balance
Credit union · 28 branches
1.88%APY$188 a year on $10,000with conditionsRequirements
Product: Requires a checking account with a qualified recurring direct deposit of at least $500 per month within 90 days of account opening to earn interest. Does not qualify for checks or debit cards; limited to 5 withdrawals per statement cycle ($5 fee per transaction over 5). Required monthly maintenance fee waived when minimum balance of $10,000 is maintained. Offers blended APY paying a different rate on funds within each tier. APY will be between 30%-80% of the upper limit of the Federal Funds rate as of the 15th of the prior month, adjusted on the first of following month; indexed interest rate will never be less than 0.10%. Rate earned on balances of $10,000 or greater.
Offer: Blended APY tier applying only to the portion of balance within tier; requires minimum balance of $10,000 to earn interest and waive monthly maintenance fee.
Qualified rate · 1.86% interest rate
Rate by balance
Rate by balance for Indexed Money Market Account Balance APY $10,000 and upYour amount 1.88% $100,000 and upBlended APY tier applying only to the portion of balance within tier. 2.63% $250,000 and upBlended APY tier applying only to the portion of balance within tier. 2.81% Rate checked
More details - PriorityONE Credit UnionElite Money Market AccountElite Money Market Account · $2,500 min · 0.00%–2.05% by balance
Credit union · 2 branches
1.81%APY$181 a year on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. No terms or penalties for early withdrawals.
0.00% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Elite Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.81% $25,000 – $50,000 1.85% $50,000 – $100,000 1.95% $100,000 and up 2.05% Rate checked
More details - SUMA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.77%–2.69% by balance
Credit union · 3 branches
1.77%APY$177 a year on $10,0001.75% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $99,999Your amount 1.77% $100,000 – $249,999 2.28% $250,000 and up 2.69% 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
551 accounts at 207 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.02%
- 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
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches