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Florida Savings Rate Trends

Orange City, Florida (FL) Savings Rates - March 2026

The best savings rates for Orange City, Florida and the surrounding area include Fairwinds Credit UnionFairwinds Credit Union2487 Enterprise Rd, Orange City, FL 32763 7959A+5.0 ★Texas Ratio: 1.48% Emergency Savings at 5.00% APY, Addition Financial Credit UnionAddition Financial Credit Union920 Saxon Blvd, Orange City, FL 32763A+5.0 ★Texas Ratio: 4.12% Savings Plus at 4.00% APY, PNC BankPNC Bank884 Saxon Blvd, Orange City, FL 32763A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, TrustCo BankTrustCo Bank902 Saxon Blvd, Orange City, FL 32763A+5.0 ★Texas Ratio: 3.16% Home Town Savings at 0.95% APY, and Launch Credit UnionLaunch Credit Union2277 Veterans Memorial Pkwy, Orange City, FL 32763A+5.0 ★Texas Ratio: 2.80% First Time Homebuyers Savings at 0.30% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Orange City, 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 Orange City, Florida (FL) are continually updated — we recommend checking back frequently.

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

Compare the Best Savings Rates in Orange City, Florida & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
Emergency Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $1,000.00

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Savings Plus
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $5,000.00

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
Save Smart Savings
3.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $100,000.00

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
884 Saxon Blvd, Orange City, FL 32763
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
Investor Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
Signature Savings
2.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
My First Home Savings Account
1.74%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.95%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.91%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.74%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
First Time Homebuyers Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Business Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$100,000 & Up

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Business Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$50,000-$99,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
IRA and Deferred Option Plan Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$25,000-$49,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
Freedom Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
2487 Enterprise Rd, Orange City, FL 32763 7959
IRA Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$2,500-$9,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
902 Saxon Blvd, Orange City, FL 32763
Home Town Savings
0.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Health Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Savings Plus
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Share Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Youth Savings, Holiday and Summer Share
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$5-$199.99***

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
2277 Veterans Memorial Pkwy, Orange City, FL 32763
Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2502 Enterprise Rd, Orange City, FL 32763
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2502 Enterprise Rd, Orange City, FL 32763
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

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
884 Saxon Blvd, Orange City, FL 32763
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%
2502 Enterprise Rd, Orange City, FL 32763
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%
884 Saxon Blvd, Orange City, FL 32763
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Youth Savings, Holiday and Summer Share
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Share Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
920 Saxon Blvd, Orange City, FL 32763
Health Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2502 Enterprise Rd, Orange City, FL 32763
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2502 Enterprise Rd, Orange City, FL 32763
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Even-Up Share*
10.00%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
Rising Tide Youth Share
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $1,000.00

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Youth Share
5.10%
$5
Rate4.99%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

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 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.

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

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
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
High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Contact your local banker for more details!

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.

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

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.

Orange City, FL Savings Rate Trends

Compare local Orange City, 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 Orange City, 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 Orange City, 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 Orange City, 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 Orange City, 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 Orange City, 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 Orange City, 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 Orange City, Florida?

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

How do I open a savings account in Orange City, 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 Orange City, Florida

Here are recent savings rates observed in Orange City, Florida and the surrounding area:
  • Fairwinds Credit Union
    Emergency Savings — 5.00% APY
  • Addition Financial Credit Union
    Savings Plus — 4.00% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • TrustCo Bank
    Home Town Savings — 0.95% APY
  • Launch Credit Union
    First Time Homebuyers Savings — 0.30% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Orange City, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026