Panama City, Florida (FL) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Panama City, Florida and the surrounding area include Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408A+5.0 ★Texas Ratio: 1.21% Rising Tide Youth Share at 10.00% APY, Hancock Whitney BankHancock Whitney Bank2305 Highway 77, Panama City, FL 32405A+5.0 ★Texas Ratio: 2.59% Freestyle Savings Account at 2.75% APY, Community Bank of MississippiCommunity Bank of Mississippi1602 W 23rd St, Panama City, FL 32405A+5.0 ★Texas Ratio: 4.93% Make Cents Savings at 0.40% APY, Central Credit Union of FloridaCentral Credit Union of Florida2615 Highway 77, Panama City, FL 32405 4406A+5.0 ★Texas Ratio: 3.55% Regular Shares at 0.30% APY, and Innovations Financial Credit UnionInnovations Financial Credit Union910 Thomas Dr, Panama City, FL 32408 7442A+5.0 ★Texas Ratio: 1.11% IRA Share Account at 0.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Panama 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 Panama City, Florida (FL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Panama City, Florida and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Panama City, Florida & Surrounding Communities
Qualifying balance up to $1,000.00
CB matches 5% of rounded-up savings quarterly
If average daily balance is over $100
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
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Qualifying balance up to $999.99
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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
Qualifying balance up to $5,000.00
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
New money only. Fees may reduce earnings. Offer applies to personal accounts only.
Contact your local banker for more details!
Contact your local banker for more details!
Introductory APY
Introductory APY
E-statements or $5 paper statements
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.
Introductory APY
Introductory APY
Qualifying balance up to $100,000.00
Minimum to open is $10,000
Qualifying balance up to $250,000
$100,000 & Over
RELATIONSHIP
Introductory APY
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.
Panama City, FL Savings Rate Trends
Compare local Panama 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.
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Panama 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 Panama 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 Panama City, Florida
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Panama City, Florida safe?
How often do savings rates change in Panama City, Florida?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Panama City, Florida?
How do I open a savings account in Panama City, Florida?
Best Savings Rates in Panama City, Florida
- Panhandle Credit Union
Rising Tide Youth Share — 10.00% APY - Hancock Whitney Bank
Freestyle Savings Account — 2.75% APY - Community Bank of Mississippi
Make Cents Savings — 0.40% APY - Central Credit Union of Florida
Regular Shares — 0.30% APY - Innovations Financial Credit Union
IRA Share Account — 0.25% APY
