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 Cape Coral, FL metro
- 4.20%APY$420 a year on $10,000intro rate
Requirements
Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.
Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.
Promotional rate · Compounded daily · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 2 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 - Suncoast Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $1,000 min · 0.50%–3.00% by balance
Credit union · 15 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Suncoast High Yield Checking account is required to open. Limited to one high yield money market account per member.
Offer: Requires active High Yield Checking account and $2,000 monthly deposit minimum in High Yield Checking and/or High Yield Savings (excluding internal account-to-account transfers; deposits directly to the High Yield Money Market are not included).
Qualified rate · No monthly fee · Effective Mar 4, 2025
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $25,000Your amount 3.00% $25,000 and up 0.50% Rate checked
More details - Gulf Coast Business BankPersonal Money MarketPersonal Money Market · $2,500 min · 2.89%–3.82% by balance
Bank · 1 branch
2.89%APY$289 a year on $10,000Requirements
Product: Monthly service fee of $15 is waived if you maintain a daily minimum balance of $2,500. No charge for up to 9 debit items; an Excessive Transaction Fee of $3 is charged for each debit item after 9 per statement cycle.
2.85% interest rate · $15 monthly fee · Effective Aug 6, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $99,999Your amount 2.89% $100,000 – $499,999 3.25% $500,000 and up 3.82% Rate checked
More details - Achieva Credit UnionPremier Money Market AccountPremier Money Market Account · $2,000 min · 2.30%–2.55% by balance
Credit union · 5 branches
2.30%APY$230 a year on $10,000with conditionsRequirements
Product: Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
Offer: Requires Achieva Checking Plus (ACP) or Achieva Platinum Plus (ACPP) account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month.
Qualified rate · 2.28% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,000 and upYour amount 2.30% $50,000 and up 2.35% $150,000 and up 2.40% $250,000 and up 2.45% $500,000 and up 2.50% $1,000,000 and up 2.55% Rate checked
More details - Meridian BankYour Hometown Money MarketYour Hometown Money Market · $0 min · 2.25%–2.75% by balance
Bank · 1 branch
2.25%APY$225 a year on $10,000with conditionsRequirements
Product: Must have an open and active Meridian Bank checking account that meets minimum balance requirements. Promotional APY requires minimum deposit of $25,000 in new money (deposit funds new to Meridian Bank). $1,000 minimum daily balance to waive $10 monthly charge. If checking account is closed/inactive/below minimum balance, subject to conversion to Personal Money Market. If balance drops below $25,000, receives 2.25% APY on balances between $0.01 and $24,999.99 (cannot open account at this rate).
Offer: Applies if balance drops below $25,000 on existing account; cannot open the account at this rate. $1,000 minimum daily balance to waive $10 monthly charge. Must maintain open and active checking account.
Qualified rate · $10 monthly fee
Rate by balance
Rate by balance for Your Hometown Money Market Balance APY Up to $25,000Your amount 2.25% $25,000 and upRequires open and active Meridian Bank checking account that meets minimum balance requirements. Minimum $25,000 in new money to open and earn promotional APY. 2.75% Rate checked
More details - 2.10%APY$210 a year on $10,000
Requirements
Product: Variable rate subject to change at any time. No monthly maintenance fee and no monthly balance requirements.
Offer: Variable rate. No monthly maintenance fee. No ongoing monthly balance requirements.
No monthly fee · Effective Oct 27, 2025
Rate checked
More details - Achieva Credit UnionIndexed Money Market AccountIndexed Money Market Account · $10,000 min · 1.88%–2.81% by balance
Credit union · 5 branches
1.88%APY$188 a year on $10,000with conditionsRequirements
Product: Requires a checking account with a qualified recurring direct deposit of at least $500 per month within 90 days of account opening to earn interest. Does not qualify for checks or debit cards; limited to 5 withdrawals per statement cycle ($5 fee per transaction over 5). Required monthly maintenance fee waived when minimum balance of $10,000 is maintained. Offers blended APY paying a different rate on funds within each tier. APY will be between 30%-80% of the upper limit of the Federal Funds rate as of the 15th of the prior month, adjusted on the first of following month; indexed interest rate will never be less than 0.10%. Rate earned on balances of $10,000 or greater.
Offer: Blended APY tier applying only to the portion of balance within tier; requires minimum balance of $10,000 to earn interest and waive monthly maintenance fee.
Qualified rate · 1.86% interest rate
Rate by balance
Rate by balance for Indexed Money Market Account Balance APY $10,000 and upYour amount 1.88% $100,000 and upBlended APY tier applying only to the portion of balance within tier. 2.63% $250,000 and upBlended APY tier applying only to the portion of balance within tier. 2.81% Rate checked
More details - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 7 branches
1.75%APY$175 a year on $10,000Requirements
Product: Tiered interest rate computed daily and paid quarterly on balances of $100 or more. No minimum balance or deposit required, no monthly fees, and no withdrawal penalties.
0.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Savings Balance APY Up to $100 0.00% $100 – $100,000Your amount 1.75% $100,000 – $250,000 2.90% $250,000 – $500,000 3.15% $500,000 – $1,000,000 3.15% $1,000,000 and up 3.90% Rate checked
More details - Meridian BankPersonal Money MarketPersonal Money Market · $100 min · 1.00%–2.25% by balance
Bank · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: $1,000 minimum daily balance to waive $10 monthly charge. Minimum to open $100.
Offer: $1,000 minimum daily balance to waive $10 monthly charge.
0.99% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $10,000 1.00% $10,000 – $50,000Your amount 1.75% $50,000 – $100,000 2.00% $100,000 and up 2.25% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: $5 monthly service charge or $100 minimum daily balance to avoid monthly service charges.
Offer: $100 minimum daily balance to avoid monthly service charge.
1.49% interest rate · $5 monthly fee · Effective Sep 17, 2026
Rate checked
More details - Suncoast Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.25%–3.50% by balance
Credit union · 15 branches
1.40%APY$140 a year on $10,000Requirements
Product: Tiered dividend rate. Once a balance range is met, the rate applies to the full balance of the account. No minimum balance required to maintain the account, but a minimum balance of $1,000 is needed to earn interest/APY.
Offer: Minimum of $1,000 balance is required to earn interest.
No monthly fee · Effective Sep 2, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Any balance 1.25% $1,000 and upYour amount 1.40% $25,000 and up 1.50% $50,000 and up 1.60% $100,000 and up 2.50% $250,000 and up 3.00% $500,000 and up 3.50% Rate checked
More details - Achieva Credit UnionPremier Money Market AccountPremier Money Market Account · $2,000 min · 1.30%–1.55% by balance
Credit union · 5 branches
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: Minimum $1 balance in savings is required to open the account. Minimum balance of $2,000 required to earn stated APY or bonus. Rates and yields are variable.
Offer: Requires Achieva Checking, ACP, or ACPP account opened under the same Member Number and receive a minimum of $500 in qualified deposits each calendar month.
Qualified rate · 1.29% interest rate
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,000 and upYour amount 1.30% $50,000 and up 1.35% $150,000 and up 1.40% $250,000 and up 1.45% $500,000 and up 1.50% $1,000,000 and up 1.55% Rate checked
More details - 1.06%APY$106 a year on $10,000with conditions
Requirements
Product: Must be paired/linked with either a Free Kasasa Cash Checking account or a Free Kasasa Cash Back account. Limit 1 account per social security number as the primary account holder. No monthly service charge.
Offer: Base rate earned on entire balance when qualifications in linked Kasasa Cash or Kasasa Cash Back account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Aug 26, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $25,000Your amountEarns Kasasa Saver Bonus Rate when qualifications are met on paired Kasasa Cash or Kasasa Cash Back account (at least 1 direct deposit, ACH payment, or bill pay transaction, at least 12 debit card purchases, and agree to receive eStatements during Monthly Qualification Cycle). 1.06% $25,001 and up 0.40%* 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 Cape Coral, FL metro
78 accounts at 27 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.95%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Cape Coral, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Suncoast Credit UnionCredit union · 15 branches
- Gulf Coast Business BankBank · 1 branch
- Flagstar BankBank · 1 branch