Compare Bank & Credit Union Rates
Best savings rates in Ocean Springs, MS
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Ocean Springs, MS
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Navigator Credit UnionPrime Money MarketPrime Money Market · $0 min · 0.15%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Subject to membership requirements. New money required; source of funds deposited into Prime Money Market may not be from an existing Navigator Credit Union account. To earn disclosed APY on tier $10,000 & above, must maintain an average daily balance at least equal to $10,000 and direct deposit aggregate of at least $500 each month into any Navigator Credit Union savings, money market, or checking accounts on the same account number. If eligibility requirements are not met, earns 0.15% APY. Fees may reduce earnings.
Offer: Earned for balances under $10,000 or if eligibility requirements are not met during any month.
Qualified rate · 0.15% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $10,000 0.15% $10,000 and upYour amountVariable rate based on Wall Street Journal U.S. Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. 3.25% Rate checked
More details - Keesler Federal Credit UnionHIMMA Premier High Interest Money Market AccountHIMMA Premier High Interest Money Market Account · $0 min
Credit union · 1 branch
3.25%APY$325 a year on $10,000intro rateRequirements
Product: Rate available on new deposits only. Account can be opened online, by phone, or in branch. At the end of six months, balance can be rolled into a regular HIMMA account, share/checking account, or certificate. Limit 6 pre-authorized withdrawals per month.
Offer: New deposits only. Rate applies for the first 6 months.
Promotional rate · 3.20% interest rate
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - First Federal Savings & LoanEssential SavingsSavings · $25 min · 2.65%–3.15% by balance
Bank · 1 branch
2.65%APY$265 a year on $10,000Requirements
Product: Must be applied for through the website (www.firstwithus.com). Interest rate listed in each tier is paid on the entire balance in the account.
2.62% interest rate · Effective Sep 23, 2024
Rate by balance
Rate by balance for Essential Savings Balance APY Up to $100,000Your amount 2.65% $100,000 – $250,000 2.90% $250,000 and up 3.15% Rate checked
More details - Keesler Federal Credit UnionChecking SaverSavings · $0 min · 0.40%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Free savings account with no minimum balance that earns dividends when meeting monthly qualifications of linked Keesler Federal checking account. Automatically moves rewards into savings.
Offer: Qualified: when monthly qualifications of linked checking account are met. Rate applies to balances up to $150,000.
Qualified rate · 0.99% interest rate
Rate by balance
Rate by balance for Checking Saver Balance APY Up to $150,000Your amount 1.00% $150,000 and upBlended APY ranges from 1.00% to 0.76% depending on account daily balance. 0.40%* Rate checked
More details - First Federal Savings & LoanFirst Choice Money MarketFirst Choice Money Market · $10,000 min · 0.75%–1.25% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,0000.75% interest rate
Rate by balance
Rate by balance for First Choice Money Market Balance APY $10,000 and upYour amount 0.75% $100,000 and up 1.00% $250,000 and up 1.25% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Must be established by a Mississippi Income taxpayer to assist with post-catastrophe losses or to self-insure all or a portion of one's home. Contributions and distributions are excluded from Mississippi Taxable Income. Maximum deposit is based on insurance deductible or legal residence value.
Offer: Maximum balance/contribution limit is $2,000.00 if qualified deductible <= $1,000, $15,000.00 or twice the deductible (whichever is less) if deductible > $1,000, or the lesser of $350,000.00 or legal residence value if self-insured.
0.50% interest rate
Rate checked
More details - Navigator Credit UnionPremium Savings Money MarketPremium Savings Money Market · $2,500 min · 0.40%–0.70% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Subject to membership requirements. Fees could reduce earnings.
0.40% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Premium Savings Money Market Balance APY $2,500 – $10,000Your amount 0.40% $10,000 – $25,000 0.45% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% Over $100,000 0.70% Rate checked
More details - Keesler Federal Credit UnionHigh Interest Money Market Account (HIMMA)High Interest Money Market Account (HIMMA) · $2,500 min · 0.30%–0.40% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open account and earn dividends. Automatic transfers limited to six per month. Dividends paid monthly.
0.30% interest rate
Rate by balance
Rate by balance for High Interest Money Market Account (HIMMA) Balance APY $2,500 – $10,000 0.30% $10,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 and up 0.40% Rate checked
More details - Singing River Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.30%–0.35% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,0000.30% interest rate · Effective Jan 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.30%* $10,000 – $24,999Your amount 0.30%* $25,000 – $49,999 0.30%* $50,000 and up 0.35%* Rate checked
More details - Keesler Federal Credit UnionPrimary Share SavingsSavings · $1 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
Offer: Paid quarterly; balances less than $5,000.
0.15% interest rate
Rate by balance
Rate by balance for Primary Share Savings Balance APY Up to $5,000 0.15%* $5,000 and upYour amount 0.20%* Rate checked
More details - Keesler Federal Credit UnionAlternate Share SavingsSavings · $0 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
Offer: Paid quarterly; balances less than $5,000.
0.15% interest rate
Rate by balance
Rate by balance for Alternate Share Savings Balance APY Up to $5,000 0.15%* $5,000 and upYour amount 0.20%* Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Subject to membership requirements. No minimum balance, no monthly maintenance fee. Individual or joint accounts. Minimum deposit of $5 required for Regular Share membership.
0.15% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · No monthly fee · Effective Jan 21, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Ocean Springs, MS
27 accounts at 6 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 3.19%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
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Gulfport, MS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- All In Credit UnionCredit union · 1 branch
- Keesler Federal Credit UnionCredit union · 20 branches
- Southern Energy Credit UnionCredit union · 1 branch