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 106–120 results in Miami, FL metro
- 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends are calculated on the average balance method. No dividend is applied to any account that is closed prior to the posting date. Dividends are paid from available earnings.
0.15% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Start with $10.00 ($5.00 minimum balance required plus $5.00 membership fee). $10.00 monthly inactivity fee applies unless used at least once a year or maintaining a $1,000.00 balance.
Offer: Dividends paid quarterly on balances over $100.00.
0.15% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - Hialeah Municipal Employees Federal Credit UnionShare AccountsSavings · $5 min · 0.00%–0.30% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Basic savings account that establishes credit union membership. $5 minimum share balance required. Dividends paid quarterly based on the Daily Average Balance.
Offer: Under $300 tier.
0.00% interest rate · Effective Jan 1, 2025
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $300 0.00% $300 – $2,000 0.05% $2,000 – $25,000Your amount 0.15% Over $25,000 0.30% Rate checked
More details - First Choice Credit UnionSuper Money MarketSuper Money Market · 0.15%–1.35% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Below minimum balance ($50,000) fee of $15.00/mo. No penalty or fee for early withdrawals. Funds not subject to Florida State Intangible Tax. Unlimited in-person branch withdrawals.
0.15% interest rate
Rate by balance
Rate by balance for Super Money Market Balance APY Up to $50,000Your amount 0.15% $50,000 and up 1.35% Rate checked
More details - Gold Coast Federal Credit UnionMain Share SavingsSavings · $5 min · 0.15%–0.20% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: A $5 deposit establishes membership. Dividends calculated daily, paid quarterly. Federally insured by NCUA up to $250,000.
Offer: 12/31/2025 Declared Dividends. Dividends paid quarterly. Fees may reduce earnings.
0.15% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Main Share Savings Balance APY Up to $15,000Your amount 0.15% Over $15,000 0.20% Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: If account balance drops below $100.00, there's a $7.00 monthly fee. Limit of 6 withdrawals/transfers per statement cycle; $5.00 fee per excess debit.
Offer: Must maintain minimum daily balance of $100 to avoid $7.00 monthly service fee.
0.10% interest rate · $7 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - Flagstar BankFlagstar Performance SavingsSavings · $1 min · 0.10%–3.20% by balance
Bank · 24 branches
0.10%APY$10 a year on $10,000Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A minimum balance of $5.00 is required to maintain credit union membership and be eligible for additional credit union services. To obtain the disclosed APY, a minimum balance of $50.00 must be maintained.
Offer: To obtain the disclosed APY, a minimum balance must be maintained.
0.10% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
Offer: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
$15 monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 0.10% $50,000 – $100,000 0.20% $100,000 and up 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership with FCCU. $1.00 fee to open new share account / membership fee. Single service fee of $5.00/mo applies if share balance is below $300.00 with no other deposit or loan/MasterCard accounts (children under 24 exempt).
Offer: Must have balance of $100.00 to earn dividends. Minimum balance to establish account is $5.
0.10% interest rate
Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 25 branches
0.10%APY$10 a year on $10,000Requirements
Product: $50 minimum opening deposit. The monthly service charge is refunded within 3 business days when the primary or joint account holder has an active Elite Checking account, or if the total combined balance in consumer deposit accounts is at least $5,000. Otherwise, a $9 monthly service charge applies. Tiered interest at money market rates based on daily balance compounded and credited monthly.
Offer: Monthly service charge refunded within 3 business days when linked to an active Elite Checking account or with $5,000+ total combined balance in consumer deposit accounts. Otherwise $9/month.
$9 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 0.15% Rate checked
More details - Power Financial Credit UnionGold Relationship Money MarketGold Relationship Money Market · $2,500 min · 0.10%–0.70% by balance
Credit union · 7 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Relationship levels are assigned for the following month based on the average daily balance of the aggregate amount of savings and/or checking balances for the current month excluding money market, share certificate, IRA and HSA balances. Minimum balance requirement of $2,500 to open and earn dividends. No monthly maintenance fees.
Offer: Requires Gold Relationship level based on qualifying checking/savings aggregate balances. Balances below $2,500 in Money Market accounts do not earn dividends.
Qualified rate · 0.10% interest rate · No monthly fee
Rate by balance
Rate by balance for Gold Relationship Money Market Balance APY $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.25% $100,000 and up 0.70% 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%
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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