Ocala, Florida (FL) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Ocala, Florida and the surrounding area include Radiant Credit UnionRadiant Credit Union3510 NE 14th St, Ocala, FL 34470 4868A+5.0 ★Texas Ratio: 5.29% Even-Up Share* at 10.00% APY, Midflorida Credit UnionMidflorida Credit Union1603 SW 19th Ave, Ocala, FL 34471A+5.0 ★Texas Ratio: 2.45% Share Savings Account at 5.00% APY, Ocala Community Credit UnionOcala Community Credit Union2675 SE 36th Ave, Ocala, FL 34471A+5.0 ★Texas Ratio: 1.98% IRA Savings at 3.80% APY, PNC BankPNC Bank2620 Sw 19th Avenue Rd, Ocala, FL 34471A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Citizens First BankCitizens First Bank406 E Silver Springs Blvd, Ocala, FL 34470A+5.0 ★Texas Ratio: 0.33% Savings at 3.15% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ocala, 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 Ocala, Florida (FL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ocala, Florida and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Ocala, Florida & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
Even-Up Share*
10.00%
$0
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1603 SW 19th Ave, Ocala, FL 34471
Share Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $10,000.00
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
IRA Savings
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2620 Sw 19th Avenue Rd, Ocala, FL 34471
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Savings
3.15%
$2,500
▼
Rate3.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
1603 SW 19th Ave, Ocala, FL 34471
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Savings
2.63%
$2,500
▼
Rate2.60%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
2424 SW 17th Rd, Ocala, FL 34471 2006
Youth Savings Account
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $750.00
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
2424 SW 17th Rd, Ocala, FL 34471 2006
Youth Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Savings
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Non-Profit High Yield Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Non-Profit High Yield Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Non-Profit High Yield Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Savings
0.20%
$2,500
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Youth Savings Account
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Business High Yield Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Regular shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
2424 SW 17th Rd, Ocala, FL 34471 2006
Regular Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
2424 SW 17th Rd, Ocala, FL 34471 2006
Special Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Tiered Statement Savings
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
2424 SW 17th Rd, Ocala, FL 34471 2006
Youth Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2510 SE Maricamp RD, Ocala, FL 34471 5538
Grow Green Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Savings
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Business High Yield Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
406 E Silver Springs Blvd, Ocala, FL 34470
Tiered Statement Savings
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
Roth IRA Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
IRA Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
Health Savings Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
Special Share
0.08%
$5
▼
Rate0.08%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3510 NE 14th St, Ocala, FL 34470 4868
Regular Share
0.08%
$5
▼
Rate0.08%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Business High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Business Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Health Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Regular shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Savings Account
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
As high as
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3033 SW College Rd, Ocala, FL 34474
Special shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2510 SE Maricamp RD, Ocala, FL 34471 5538
Regular Share
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2510 SE Maricamp RD, Ocala, FL 34471 5538
Youth Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2001 Sw 17th St, Ocala, FL 34471
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%
2001 Sw 17th St, Ocala, FL 34471
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2620 Sw 19th Avenue Rd, Ocala, FL 34471
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2001 Sw 17th St, Ocala, FL 34471
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2620 Sw 19th Avenue Rd, Ocala, FL 34471
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%
2001 Sw 17th St, Ocala, FL 34471
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2001 Sw 17th St, Ocala, FL 34471
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
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
Cash Kids Club Savings
4.94%
$10
▼
Rate4.82%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $500.00
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 27, 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
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High-Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Contact your local banker for more details!
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High-Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Contact your local banker for more details!
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High Yield Savings
3.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Super Savings
3.56%
$50
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
E-statements or $5 paper statements
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Youth Savings
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
no monthly service fee. The interest rate is 3.50% with an annual percentage yield (APY) of 3.56%, accurate as of 11-19-2025 and subject to change. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee.
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High Yield Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High Yield Savings
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Introductory APY
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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.
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.
Ocala, FL Savings Rate Trends
Compare local Ocala, 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.
High-Yield Savings — FL Avg
0.652%
▼ 3.848 from last week
Florida high-yield savings rates fell 3.848 points this week to 0.652% APY, down from 4.500% last week.
Standard Savings — FL Avg
0.797%
▼ 2.004 from last week
Florida standard savings rates fell 2.004 points this week to 0.797% APY, down from 2.801% last week.
As of Mar 27, 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 Ocala, 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 Ocala, 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 Ocala, 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 Ocala, 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 Ocala, 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 Ocala, 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 Ocala, Florida?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ocala, Florida offer in-person customer service, which some customers prefer.
How do I open a savings account in Ocala, 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 Ocala, Florida
Here are recent savings rates observed in Ocala, Florida and the surrounding area:
- Radiant Credit Union
Even-Up Share* — 10.00% APY - Midflorida Credit Union
Share Savings Account — 5.00% APY - Ocala Community Credit Union
IRA Savings — 3.80% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Citizens First Bank
Savings — 3.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ocala, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
