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 Lake City, FL metro
- VyStar Credit UnionMoney MarketMoney Market · $0 min · 0.90%–1.45% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are calculated daily, compounded daily and credited monthly. Account includes checks and a debit card.
0.90% interest rate · Compounded daily · Effective Jan 22, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.90% $10,000 – $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 and up 1.45% Rate checked
More details - Florida Credit UnionMoney Market Specials - PersonalMoney Market Specials - Personal · $2,500 min · 0.25%–2.00% by balance
Credit union · 1 branch
0.98%APY$98 a year on $10,000intro rateRequirements
Product: Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. Interest compounded monthly; Dividend credited monthly.
Offer: Interest compounded monthly; Dividend credited monthly. Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product.
Promotional rate · 0.25% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Specials - Personal Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.98% $25,000 – $50,000 1.10% $50,000 – $100,000 1.25% $100,000 – $1,000,000 1.50% $1,000,000 and up 2.00% Rate checked
More details - Florida Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.02%–1.00% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Interest compounded monthly; Dividend credited monthly. No monthly maintenance fee.
Offer: Interest compounded monthly; Dividend credited monthly. No monthly fee.
0.25% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $40,000 0.45% $40,000 – $100,000 0.55% $100,000 – $2,000,000 0.75% $2,000,000 – $5,000,000 1.00% $5,000,000 and up 0.02% Rate checked
More details - 0.16%APY$16 a year on $10,000with conditions
Requirements
Product: Requires maintaining a First Federal Bank checking account. Up to 6 transfers per month allowed by telephone, preauthorized transfer, or other customer order; $10 charge per withdrawal over 6 per month. $14 monthly fee waived with a $2,500 daily balance. Interest compounded daily and credited monthly.
Offer: Maintain $2,500 daily balance to waive the $14 monthly service charge.
Qualified rate · Compounded daily · $14 monthly fee · Effective Oct 25, 2025
Rate by balance
Rate by balance for Cash Management Balance APY Up to $10,000 0.01% $10,000 – $50,000Your amount 0.16% $50,000 – $250,000 0.53% $250,000 – $750,000 0.74% $750,000 – $1,000,000 0.87% $1,000,000 and up 1.08% Rate checked
More details - Champions First Credit UnionMain Share SavingsSavings · $100 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Holds $5.00 share of ownership. Dividends are compounded monthly and credited monthly on a calendar month basis. Variable APY subject to change at any time without notice.
Offer: Minimum balance to earn stated APY is $2,500.00 according to schedule.
0.05% interest rate · Compounded monthly
Rate by balance
Rate by balance for Main Share Savings Balance APY $100 – $2,500 0.05% $2,500 – $5,000 0.10% $5,000 and upYour amountMinimum balance to earn stated APY is $2,500.00. 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest compounded quarterly; dividend credited quarterly.
Offer: Interest compounded quarterly; dividend credited quarterly.
0.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Primary share account establishing credit union membership/ownership with a $5.00 minimum balance. Interest compounded quarterly; dividend credited quarterly.
Offer: Interest compounded quarterly; dividend credited quarterly.
0.15% interest rate · Compounded quarterly · Effective Oct 1, 2026
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 - Champions First Credit UnionMoney Mint Share AccountSavings · $5,000 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Maximum of six (6) withdrawals per month. Dividends are compounded daily and paid monthly on a calendar month basis. Minimum opening deposit is $5,000.00. Minimum balance to earn stated APY is $1,000.00.
Offer: Maximum 6 withdrawals per month.
0.05% interest rate · Compounded daily
Rate by balance
Rate by balance for Money Mint Share Account Balance APY $1,000 – $5,000 0.05% $5,000 – $75,000Your amount 0.10% $75,000 and up 0.15% Rate checked
More details - Champions First Credit UnionSave 4 ItSavings · $5 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest is compounded monthly and paid monthly on a calendar month basis. Variable APY.
0.05% interest rate · Compounded monthly
Rate by balance
Rate by balance for Save 4 It Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $75,000 0.10% $75,000 and up 0.15% Rate checked
More details - Radiant Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Compounded daily. No monthly service fee.
Offer: Compounded daily.
0.10% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $200,000 0.20% $200,000 and up 0.30% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Quarterly compounding. Great for vacation or holiday savings accounts. No limitation as to how many shares can be opened.
Offer: Quarterly compounding.
0.05% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Special Share Balance APY $500 – $10,000 0.05% $10,000 and upYour amount 0.08% Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Quarterly compounding.
Offer: Quarterly compounding.
0.05% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Regular Share Balance APY $500 – $10,000 0.05% $10,000 and upYour amount 0.08% Rate checked
More details - 0.05%APY$5 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 checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required for VyStar membership. Open with as little as $5 with no monthly service fee. Dividends are calculated daily and compounded and credited monthly on balances of $50 or more.
Offer: Dividends earned on balances of $50 or more.
0.05% interest rate · No monthly fee · Effective Jan 22, 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 Lake City, FL metro
18 accounts at 6 banks and credit unions · checked Oct 5–22
- Typical
- 0.10%
- Top 10% from
- 0.47%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Lake City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Champions First Credit UnionCredit union · 1 branch
- Radiant Credit UnionCredit union · 1 branch
- Florida Credit UnionCredit union · 1 branch