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
Qualifying balance up to $10,000.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00; High yield checking required.
No minimum balance; Available for minors under 18
No maintenance charge for average daily balances of $10,000 or more
Minimum to Open: $10
Minimum to Open: $10
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Great for balances over $10k; No maintenance charge for average daily balances of $10,000 or more
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Comes with a card for ATM withdrawals; No maintenance charge for average daily balances of $300 or more
Minimum to Open: $10
No minimum balance
New money only. Fees may reduce earnings. Offer applies to personal accounts only.
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.
Florida high-yield savings rates fell 3.729 points this week to 0.652% APY, down from 4.382% last week.
Florida standard savings rates fell 0.663 points this week to 0.777% APY, down from 1.440% last week.
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.