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 16–30 results in Miami, FL
- 0.45%APY$45 a year on $10,000
Requirements
Product: Up to three withdrawals per month. Rates and yields depend upon relationship tier. Account rates are variable. Interest compounded quarterly.
Offer: Interest compounded quarterly. Rates and yields depend upon relationship tier. Account rates are variable. Fees may reduce earnings. APY = As High As Annual Percentage Yield.
0.45% interest rate · Compounded quarterly
Rate checked
More details - Dade County Federal Credit UnionMoney ManagementMoney Management · $2,500 min · 0.40%–1.06% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: Minimum of $2,500.00 required to open account.
0.40% interest rate · Effective Feb 17, 2026
Rate by balance
Rate by balance for Money Management Balance APY $2,500 – $5,000 0.40% $5,000 – $50,000Your amount 0.45% $50,000 – $100,000 0.65% $100,000 – $250,000 0.95% $250,000 and up 1.06% Rate checked
More details - City National BankPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.35%–3.82% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Tiered interest rates. Unlimited withdrawals or transfers. $20 monthly maintenance fee waived with a $2,500 minimum daily balance. Can provide overdraft protection for City National Bank checking accounts.
Offer: $20 monthly fee waived with a $2,500 minimum daily balance.
0.35% interest rate · $20 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $10,000 0.35% $10,000 – $25,000Your amount 0.35% $25,000 – $5,000,000Introductory rate for new personal deposit clients who open a qualifying checking account and deposit at least $25,000 in new money within 30 days. 3.82% $5,000,000 – $10,000,000 0.80% $10,000,000 and up 0.80% Rate checked
More details - JetStream FCUMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.75% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Membership Eligibility: Residency (Broward or Miami-Dade County, Florida, or in Carolina, Trujillo Alto, or San Juan, Puerto Rico), Family (immediate family of member), or Employment (Select Employee Groups).
Effective Aug 28, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.25% $10,000 and upYour amount 0.35% $25,000 and up 0.45% $50,000 and up 0.75% $100,000 and up 0.75% $200,000 and up 0.75% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Quarterly dividends; low $25 minimum deposit to open and maintain account; represents share/membership in Guardians Credit Union.
Offer: Interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable; fees may reduce earnings.
0.30% interest rate · Compounded quarterly
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250; otherwise a $5 quarterly service charge is applied.
Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends are calculated on the daily balance and paid at the end of each month. Rate may change after account is opened. Fees may reduce earnings.
Offer: $100 minimum. Rate may change after account is opened. Fees may reduce earnings. Dividends calculated on daily balance and paid at end of each month.
Effective Oct 1, 2026
Rate checked
More details - Justice Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.25%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,0000.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 and up 0.45% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Tiered share account rates. Dividends are based on Average Daily Balance, Compounded Quarterly. Primary share account establishes Membership.
Offer: Dividends based on Average Daily Balance, Compounded Quarterly.
0.10% interest rate · Compounded quarterly · Effective Dec 9, 2025
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,000 0.10% $1,001 – $4,999 0.15% $5,000 – $9,999 0.20% $10,000 and upYour amount 0.25% Rate checked
More details - Educational Federal Credit UnionShared Earnings Dividend SavingsSavings · $100 min
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
Rate checked
More details - Educational Federal Credit UnionProperty Tax Savings AccountSavings · $100 min
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership account. Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Earns dividends on balances above $100. Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
Rate checked
More details - Educational Federal Credit UnionIncome Tax Savings AccountSavings · $100 min
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Account earns dividends once balance reaches $100. Dividends are compounded daily and credited quarterly. No monthly service fees or withdrawal limits.
Offer: Dividends compounded daily and credited quarterly.
0.25% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2023
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
82 accounts at 31 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.06%
- Banks, typical
- 0.05%
- 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