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 Florida
- 3.50%APY$350 a year on $10,000intro rate
Requirements
Product: Domestic personal accounts only (advertised rate applies in Florida). Must be a US citizen or resident alien with valid US TIN. Variable rate account. Must open an account by 10/09/2026 to get the promotional rate. $35 monthly service fee waived by maintaining a $50,000 balance per statement cycle. 6 free withdrawals/transfers per statement cycle ($12 each after). Minimum $100 balance required to earn interest.
Offer: Promotional rate; must open account by 10/09/2026. Stated offer is valid only for Domestic Personal Account customers in Florida. Must be a citizen or resident alien of the US with valid US TIN. Variable rate account. $35 monthly service fee waived with $50,000 balance per statement cycle.
Promotional rate · $35 monthly fee · Effective Sep 10, 2026
Rate checked
More details - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 51 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Available to new clients who have never held an account with BankUnited, N.A., or existing clients who deposit new funds not currently on deposit with BankUnited. Monthly maintenance fee waived when minimum daily balance is maintained. After the 6-month promotional period, converts to standard Money Market account at the then-current variable APY.
Offer: Promotional APY applies for the first 6 months on all balances. Monthly maintenance fee waived when required minimum daily balance is maintained. After 6 months, converts to variable rate. Available to new clients or existing clients depositing new funds.
Promotional rate · Effective Jul 14, 2026
Rate checked
More details - 3.45%APY$345 a year on $10,000with conditions
Requirements
Product: Requires an active INB checking account. Variable APY as of 10/16/2026.
Offer: Tier 1 bonus rate requires an active INB checking account with at least one direct deposit of payroll, Social Security, retirement, or disability income per statement cycle.
Qualified rate · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 3.39%APY$339 a year on $10,000
Requirements
Product: $10 minimum opening deposit. Designed for first-time home buyers saving for a down payment.
Effective Oct 5, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000with conditions
Requirements
Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.
Offer: Private Banking tier. Private Banking eligibility requires $500,000 combined deposits and outstanding loan balances (excluding PRWM) with a minimum of $100,000 in deposits, or $250,000 in deposits (excluding PRWM), or select invitation groups. Minimum to open & earn dividends: $10,000.
Qualified rate · 3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 20 branches
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 - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: New money only offer. Deposits must come from funds not currently held at Sunstate Bank.
Offer: Standard competitive rate without checking account relationship.
Qualified rate
Rate by balance
Rate by balance for Advantage Money Market Balance APY Any balance 3.00% $2,500 – $10,000 0.10% $10,000 and upYour amount 3.25% $250,000 and up 3.04% Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.
Offer: Elite Relationship Rewards tier (minimum combined household balance: $250,000). Minimum to open & earn dividends: $10,000.
Qualified rate · 3.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 20 branches
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 - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Automatically bundled with a Spend Smart Checking Account. $10 minimum opening deposit. No monthly service charge and no minimum balance requirement. Premium rate applied to the first $100,000 in the Save Smart Savings account; balances above $100,000 earn 0.10% APY.
Offer: Premium rate applied to the first $100,000 in the Save Smart Savings account.
Qualified rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 3.04%APY$304 a year on $10,000with conditions
Requirements
Product: New money only offer. Deposits must come from funds not currently held at Sunstate Bank.
Offer: Balance below $2,500.
Qualified rate · 0.00% interest rate
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.00% $10,000 – $250,000Your amount 3.04% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Goal-oriented savings account with terms from 6 to 24 months. Minimum opening deposit $1.00. Must maintain a $25 minimum daily balance to obtain APY. Early withdrawal penalties may apply.
Offer: Term lengths from 6 to 24 months. Minimum daily balance of $25 required to earn APY. Unlimited deposits permitted; funds transfer upon maturity. Early withdrawal penalty may apply.
2.96% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Opening deposits must be New to First Bank funds; transfers or withdrawals from an existing First Bank account redeposited into the new account do not qualify. First Bank reserves the right to limit the number of accounts opened. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account or third party. No monthly maintenance fees.
Offer: New-to-bank funds required for opening deposit. Max 6 withdrawals/transfers per statement cycle.
Conditional rate · 0.00% interest rate · No monthly fee · Effective Oct 20, 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
What savings accounts pay in Florida
551 accounts at 207 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.02%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.25%
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Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches