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Florida Savings Rate Trends

Clearwater, Florida (FL) Savings Rates - March 2026

The best savings rates for Clearwater, Florida and the surrounding area include Midflorida Credit UnionMidflorida Credit Union29383 US Highway 19 N, Clearwater, FL 33761A+5.0 ★Texas Ratio: 2.45% Share Savings Account at 5.00% APY, BayFirst National BankBayFirst National Bank2520 Countryside Blvd, Clearwater, FL 33763A5.0 ★Texas Ratio: 10.71% Cash Kids Club Savings at 4.94% APY, Suncoast Credit UnionSuncoast Credit Union1875 N Belcher Rd Ste 100, Clearwater, FL 33765 1451A5.0 ★Texas Ratio: 6.47% High Yield Savings Account at 4.50% APY, PNC BankPNC Bank2575 Countryside Blvd, Clearwater, FL 33761A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Hancock Whitney BankHancock Whitney Bank28163 Us Highway 19 N, Clearwater, FL 33761A+5.0 ★Texas Ratio: 2.59% Freestyle Savings Account at 2.75% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Clearwater, Florida, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Clearwater, Florida (FL) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Clearwater, Florida and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Clearwater, Florida & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
29383 US Highway 19 N, Clearwater, FL 33761
Share Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $10,000.00

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
Cash Kids Club Savings
4.94%
$10
Rate4.82%
Min Deposit$10
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $500.00

Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
1875 N Belcher Rd Ste 100, Clearwater, FL 33765 1451
High Yield Savings Account
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $500.00; High yield checking required.

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2575 Countryside Blvd, Clearwater, FL 33761
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
29383 US Highway 19 N, Clearwater, FL 33761
High Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
28163 Us Highway 19 N, Clearwater, FL 33761
Freestyle Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
28163 Us Highway 19 N, Clearwater, FL 33761
Freestyle Savings Account
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
High Yield Savings Account
2.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
High Yield Savings
2.25%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
28163 Us Highway 19 N, Clearwater, FL 33761
Freestyle Savings Account
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Premium Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
Statement Savings
1.29%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Premium Savings Account
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Premium Savings Account
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Premium Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Non-Profit High Yield Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
Lighthouse Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Non-Profit High Yield Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
IRA Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
Roth IRA Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
Kids First Savings
0.25%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMar 22, 2026
Details

No minimum balance; Available for minors under 18

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
Coverdell Education Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
IRA Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
IRA Share Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
Regular Shares
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2201 NE Coachman Rd Ste 101, Clearwater, FL 33765 2200
IRA Savings
0.21%
$0
Rate0.21%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Non-Profit High Yield Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Health Savings Account (HSA)
0.18%
$0
Rate0.18%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
Business Savings Account
0.15%
$1
Rate0.15%
Min Deposit$1
Min Balance
UpdatedMar 20, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Business High Yield Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Regular shares
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
Basic Savings Account
0.15%
$1
Rate0.15%
Min Deposit$1
Min Balance
UpdatedMar 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
Tiered Money Market Savings
0.10%
$2,000
Rate0.00%
Min Deposit$2,000
Min Balance
UpdatedMar 22, 2026
Details

No maintenance charge for average daily balances of $10,000 or more

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
2474 State Road 580, Clearwater, FL 33761
Health Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
Performance Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Business High Yield Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Business High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Interest Savings - Tier 3
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Money Market Savings - Tier 2
0.05%
$5,000
Rate0.05%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Interest Savings - Tier 2
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Money Market Savings - Tier 3
0.05%
$5,000
Rate0.05%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
Money Market Savings
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 22, 2026
Details

Great for balances over $10k; No maintenance charge for average daily balances of $10,000 or more

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
28163 Us Highway 19 N, Clearwater, FL 33761
Freestyle Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
29492 US Highway 19 N, Clearwater, FL 33761
Business Share
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2575 Countryside Blvd, Clearwater, FL 33761
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2575 Countryside Blvd, Clearwater, FL 33761
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Money Market Savings - Tier 1
0.01%
$5,000
Rate0.01%
Min Deposit$5,000
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
All Access Savings
0.01%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Comes with a card for ATM withdrawals; No maintenance charge for average daily balances of $300 or more

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
Interest Savings - Tier 1
0.01%
$10
Rate0.01%
Min Deposit$10
Min Balance
UpdatedMar 21, 2026
Details

Minimum to Open: $10

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
Personal High Yield Savings
4.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Super Duper Savings
4.01%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

No minimum balance

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 Crosspointe Dr, Naples, FL 34110
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 22, 2026
Details

Independent Bank Memphis, TN
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
550 Wells Rd, Orange Park, FL 32073
Savings Special
3.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

New money only. Fees may reduce earnings. Offer applies to personal accounts only.

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Clearwater, FL Savings Rate Trends

Compare local Clearwater, FL savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Florida Savings Trends →
High-Yield Savings — FL Avg
0.652%
▼ 3.729 from last week

Florida high-yield savings rates fell 3.729 points this week to 0.652% APY, down from 4.382% last week.

Standard Savings — FL Avg
0.777%
▼ 0.663 from last week

Florida standard savings rates fell 0.663 points this week to 0.777% APY, down from 1.440% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Clearwater, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Clearwater, Florida. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in FL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Clearwater, Florida

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Florida, help your money grow faster through a higher APY.

Are savings accounts in Clearwater, Florida safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Florida up to $250,000 per depositor, per institution.

How often do savings rates change in Clearwater, Florida?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Clearwater, Florida may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Clearwater, Florida?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Clearwater, Florida offer in-person customer service, which some customers prefer.

How do I open a savings account in Clearwater, Florida?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Clearwater, Florida

Here are recent savings rates observed in Clearwater, Florida and the surrounding area:
  • Midflorida Credit Union
    Share Savings Account — 5.00% APY
  • BayFirst National Bank
    Cash Kids Club Savings — 4.94% APY
  • Suncoast Credit Union
    High Yield Savings Account — 4.50% APY
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • Hancock Whitney Bank
    Freestyle Savings Account — 2.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Clearwater, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026