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 1–15 results in Pensacola, FL metro
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.
Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.
Promotional rate · 3.92% interest rate · $10 monthly fee · Effective Jun 30, 2026
Rate checked
More details - 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 - 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 - Warrington BankMONEY MARKET DEPOSIT ACCOUNTMONEY MARKET DEPOSIT ACCOUNT · $2,500 min
Bank · 4 branches
2.02%APY$202 a year on $10,000Requirements
Product: A service charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.00. A per item fee of $5.00 will be charged for each debit in excess of 3 during a statement cycle. Interest rate and APY may change monthly. Interest is not compounded and credited monthly.
Offer: With minimum balance over $2,500.00. A service charge of $5.00 is imposed every statement cycle if average daily balance falls below $500.00.
2.00% interest rate · $5 monthly fee · Effective Oct 4, 2026
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 - PenAir Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.75% by balance
Credit union · 9 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 - All In Credit UnionMoney Market AccessMoney Market Access · $0 min · 1.11%–1.66% by balance
Credit union · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Dividends are calculated on the average daily balance, compounded monthly, and credited monthly. Rates are declared monthly and may change after the account is opened.
1.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Access Balance APY Up to $25,000Your amount 1.11% $25,000 – $50,000 1.26% $50,000 – $175,000 1.46% $175,000 and up 1.66% Rate checked
More details - Warrington BankMONEY MARKET DEPOSIT ACCOUNTMONEY MARKET DEPOSIT ACCOUNT · $2,500 min
Bank · 4 branches
1.00%APY$100 a year on $10,000Requirements
Product: A service charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.00. A per item fee of $5.00 will be charged for each debit in excess of 3 during a statement cycle. Interest rate and APY may change monthly. Interest is not compounded and credited monthly.
Offer: With minimum balance less than $2,500.00. A service charge of $5.00 is imposed every statement cycle if average daily balance falls below $500.00.
1.00% interest rate · $5 monthly fee · Effective Oct 4, 2026
Rate checked
More details - Eglin Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.05%–1.01% by balance
Credit union · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Requires Eglin FCU membership. Rates are variable and subject to change after account opening.
Offer: Dividends accrue/are compounded daily and credited monthly. Variable rate.
0.05% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.85% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.95% $50,000 and up 1.01% Rate checked
More details - 0.72%APY$72 a year on $10,000
Requirements
Product: Requires a balance of $2,500 to remain open and earn higher dividends. Higher balances earn higher dividends. No early withdrawal fee.
0.72% interest rate · Effective Mar 1, 2025
Rate checked
More details - All In Credit UnionPreferred Financial Advisor Savings AccountSavings · $0 min · 0.65%–3.96% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account eligibility requires meeting with an All In Credit Union Preferred Financial Advisor. Dividends are compounded and credited monthly based on the average daily balance. Rate is based upon FHLB borrowing rate less (0.25%) basis points on the last business day of the month and changes on the 1st of each month.
Offer: Dividends compounded and credited monthly. Rate based on FHLB borrowing rate less 0.25% basis points. Eligibility requires meeting with an All In Credit Union Preferred Financial Advisor.
0.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Preferred Financial Advisor Savings Account Balance APY Up to $150,000Your amount 0.65%* $150,000 and up 3.96%* Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: The par value of each share will be $0.01. Rates are declared quarterly and may change after the account is opened.
Offer: Rates are declared quarterly and may change after the account is opened. The par value of each share will be $0.01.
0.65% interest rate
Rate checked
More details - Gulf Winds Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.30%–2.25% by balance
Credit union · 6 branches
0.40%APY$40 a year on $10,000Requirements
Product: Membership eligibility required. Account opening subject to approval. Rates apply to entire balance. Dividends calculated daily and compounded monthly. Fees may reduce earnings.
0.30% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.30% $2,500 – $25,000Your amount 0.40% $25,000 – $75,000 1.00% $75,000 – $150,000 1.30% $150,000 – $250,000 1.50% $250,000 – $500,000 1.75% $500,000 and up 2.25% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Requires Eglin FCU membership. No monthly service fee. Dividends compounded daily and credited quarterly.
Offer: A $50 daily minimum balance is required to earn dividends. Rate and APY are variable and subject to change after the account is opened. If the account is closed before dividends are paid, accrued dividends will not be received.
0.35% interest rate · Compounded daily · No monthly fee
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 Pensacola, FL metro
52 accounts at 21 banks and credit unions · checked Oct 15–22
- Typical
- 0.25%
- Top 10% from
- 1.98%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches