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 76–90 results in Florida
- Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 23 branches
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 - Meridian BankPersonal Money MarketPersonal Money Market · $100 min · 1.00%–2.25% by balance
Bank · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: $1,000 minimum daily balance to waive $10 monthly charge. Minimum to open $100.
Offer: $1,000 minimum daily balance to waive $10 monthly charge.
0.99% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $10,000 1.00% $10,000 – $50,000Your amount 1.75% $50,000 – $100,000 2.00% $100,000 and up 2.25% Rate checked
More details - PenAir Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.75% by balance
Credit union · 10 branches
1.75%APY$175 a year on $10,000Requirements
Product: Available to members who live, work, go to school or worship in specified counties (from Mobile County, AL to Leon County, FL). Rates on deposit accounts may change after account opening.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.75% $25,000 – $75,000 1.75% $75,000 – $200,000 1.75% $200,000 and up 1.75% Rate checked
More details - 1.66%APY$166 a year on $10,000
Requirements
Product: Requires a $100 minimum deposit to open and a $2,000 minimum balance to earn stated dividend rate/yield. All Money Market accounts are allotted 6 fee-free withdrawals and transfers per month; a $10 fee is charged for each transaction beyond that limit. Minimum withdrawal amount is $250. Membership requires payment of one $5 share in a primary share account.
Offer: Tier 1 balance tier. $100 minimum opening deposit; minimum balance of $2,000 to earn stated APY. Maximum 6 withdrawals or transfers per month.
1.65% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,000 and upYour amount 1.66% $25,000 and upTier 2 balance tier. $100 minimum opening deposit. 1.92% $75,000 and upTier 3 balance tier. $100 minimum opening deposit. 2.17% $125,000 and upTier 4 balance tier. $100 minimum opening deposit. 2.43% Rate checked
More details - 1.65%APY$165 a year on $10,000
Requirements
Product: Available for U.S. Citizens or U.S. Permanent Residents. Available opening methods: Online or at a BBA Branch. Requires SSN, Driver's License, and valid proof of U.S. address. Online account opening offers e-statements only and does not issue checks; branch account opening offers checks and e-statements. Enrollment in Online Banking required within 30 days of opening.
Offer: Maintain a minimum daily account balance of $1,000.00 each day of the statement cycle to waive the $20 monthly maintenance fee.
1.34% interest rate · $20 monthly fee · Effective Dec 17, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 1.35% $10,000 – $100,000Your amount 1.65% $100,000 – $250,000 2.35% $250,000 and up 2.35% Rate checked
More details - 1.60%APY$160 a year on $10,000with conditions
Requirements
Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.
Offer: Premium Relationship Rewards tier (minimum combined household balance: $100,000). Minimum to open & earn dividends: $10,000.
Qualified rate · 1.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionMoney Market Savings AccountMoney Market Savings Account · $50 min · 1.00%–1.85% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Tiered account. Once a particular range is met the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open the account, however a minimum balance of $50 is required to earn dividends.
1.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $2,500 1.00% $2,501 – $10,000Your amount 1.60% $10,001 – $250,000 1.65% $250,001 and up 1.85% Rate checked
More details - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% Rate checked
More details - JM Associates FCUSuper SavingsSavings · $2,500 min · 1.56%–1.81% by balance
Credit union · 3 branches
1.56%APY$156 a year on $10,000with conditionsRequirements
Product: Earn higher dividends Minimum balance of $2500 Free Digital Banking and Bill Pay A JMAFCU debit card with a checking account Direct Deposit Available
Offer: Must maintain a minimum average daily balance of $2,500 to earn dividends. Rates on variable rate accounts (i.e. Share Savings, Checking, and Super Savings) could change after account opening.
Qualified rate · 1.55% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Super Savings Balance APY $2,500 – $24,999Your amount 1.56% $25,000 – $99,999 1.66% $100,000 and up 1.81% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Interest is compounded daily and credited monthly using the daily balance method. Variable rate subject to change.
Offer: Minimum balance required to earn interest is $0.01.
1.50% interest rate · Compounded daily · Balance cap $99,999.99 · Effective Feb 27, 2026
Rate checked
More details - 1.51%APY$151 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. Transfers of Kasasa Cash or Kasasa Cash Back earnings are automatic. Limit two accounts per social security number.
Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 12 debit card purchases posted and settled, enroll in and agree to receive eStatements, and enroll in and log into online banking at least once.
Qualified rate · 1.50% interest rate · No monthly fee · Effective Sep 14, 2022
Rate checked
More details - Space Coast Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.00%–2.25% by balance
Credit union · 69 branches
1.50%APY$150 a year on $10,000Requirements
Product: Membership in Space Coast Credit Union required (maintain a Share Savings account with $5 minimum deposit). Open to relatives of current members and those who work or live in eligible Florida counties. Minimum opening deposit is $2,500. $15 monthly low balance fee applies if minimum daily balance of $2,500 is not maintained; no monthly service fee.
Offer: Requires $2,500 minimum opening deposit. $15 monthly low balance fee if minimum daily balance of $2,500 is not met.
0.00% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,500 0.00% $2,500 – $10,000 1.25% $10,000 – $25,000Your amount 1.50% $25,000 – $50,000 1.75% $50,000 – $100,000 2.00% $100,000 – $250,000 2.15% $250,000 and up 2.25% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: $5 monthly service charge or $100 minimum daily balance to avoid monthly service charges.
Offer: $100 minimum daily balance to avoid monthly service charge.
1.49% interest rate · $5 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Open a regular-share savings account with a $5 minimum balance to establish Gallup FCU membership. No monthly fee.
Offer: Rate applies to account balances below $3,000.
0.75% interest rate · No monthly fee · Effective Mar 1, 2026
Rate by balance
Rate by balance for Primary Savings Account Balance APY Up to $3,000 0.75% $3,000 – $10,000 1.25% $10,000 – $25,000Your amount 1.50% $25,000 – $100,000 2.00% $100,000 and up 2.25% Rate checked
More details - Mayo Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.15%–2.30% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Minimum deposit to open is $2,500. Minimum balance required to earn stated rate is $2,500, otherwise the regular savings rate applies. Allows four withdrawals each month with a minimum withdrawal of $500. Dividends are compounded and paid quarterly. Rate may change after account is opened.
Offer: Rate may change after account is opened.
1.14% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.15% $10,000 – $20,000Your amount 1.45% $20,000 – $50,000 1.85% $50,000 – $100,000 2.00% $100,000 and up 2.30% 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