Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Miami, FL metro
- 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 - Gold Coast Federal Credit UnionMORE Money Market Savings AccountMORE Money Market Savings Account · $0 min · 2.00%–3.00% by balance
Credit union · 3 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 - 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 - 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 - 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 - 1.56%APY$156 a year on $10,000with conditions
Requirements
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 - Space Coast Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.00%–2.25% by balance
Credit union · 29 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 - PowerNet Credit UnionHigh Voltage Money Market AccountHigh Voltage Money Market Account · 0.25%–1.50% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Tiered rates where higher investments earn higher rates; features daily interest. Fees may reduce earnings. Rate may change after account is opened.
Offer: Fees may reduce earnings. Rate may change after account is opened.
Effective Oct 1, 2026
Rate by balance
Rate by balance for High Voltage Money Market Account Balance APY Up to $2,500 0.25% $2,500 – $5,000 1.15% $5,000 – $10,000 1.25% $10,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.40% $50,000 and up 1.50% Rate checked
More details - Popular BankPopular Saver Money Market AccountPopular Saver Money Market Account · $100 min · 0.05%–3.25% by balance
Bank · 12 branches
1.25%APY$125 a year on $10,000Requirements
Product: Minimum opening deposit is $100. Monthly service fee of $15 is assessed if the minimum daily balance falls below $10,000. Up to 6 transfers/withdrawals per statement cycle without a fee. Variable rates subject to change.
Offer: Initial deposit / balance of $0.01 - $9,999.99. Variable rate. Monthly fee of $15 applies if minimum daily balance is below $10,000.
0.05% interest rate · $15 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Popular Saver Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $50,000 – $250,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $250,000 and upMonthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.25% Rate checked
More details - First Florida Credit UnionMoney MarketMoney Market · $2,500 min · 1.09%–1.49% by balance
Credit union · 1 branch
1.09%APY$109 a year on $10,000Requirements
Product: Membership eligibility is required. Minimum balance required to open is $2,500.00. Dividends are calculated by the average daily balance method.
Offer: Dividends calculated by the average daily balance method and compounded/credited monthly.
1.08% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.09% $25,000 – $50,000 1.19% $50,000 – $100,000 1.39% $100,000 – $250,000 1.49% $250,000 and up 1.49% 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 Miami, FL metro
204 accounts at 80 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.53%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches