Sarasota, 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 Sarasota, Florida and the surrounding area include Everence Federal Credit UnionEverence Federal Credit Union3407 Bahia Vista St, Sarasota, FL 34239A5.0 ★Texas Ratio: 8.68% Youth savings at 5.00% APY, Midflorida Credit UnionMidflorida Credit Union544 S Washington Blvd, Sarasota, FL 34236A+5.0 ★Texas Ratio: 2.45% Share Savings Account at 5.00% APY, BayFirst National BankBayFirst National Bank2033 Main St, Sarasota, FL 34237A5.0 ★Texas Ratio: 10.71% Cash Kids Club Savings at 4.94% APY, Suncoast Credit UnionSuncoast Credit Union4402 Bee Ridge Rd, Sarasota, FL 34233 2502A5.0 ★Texas Ratio: 6.47% High Yield Savings Account at 4.50% APY, and PNC BankPNC Bank1549 Ringling Blvd, Sarasota, FL 34236A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Sarasota, 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 Sarasota, Florida (FL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sarasota, Florida and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Sarasota, Florida & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3407 Bahia Vista St, Sarasota, FL 34239
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Qualifying balance up to $1,000.00
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
544 S Washington Blvd, Sarasota, FL 34236
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%
2033 Main St, Sarasota, FL 34237
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
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%
1549 Ringling Blvd, Sarasota, FL 34236
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%
544 S Washington Blvd, Sarasota, FL 34236
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1790 Main St, Sarasota, FL 34236
Kids Club Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,000
Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
22 S Links Ave, Sarasota, FL 34236
Above the Norm Personal Market Savings
2.99%
$500,000
▼
Rate0.00%
Min Deposit$500,000
Min Balance—
UpdatedMar 15, 2026
Details
Grow your money
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3407 Bahia Vista St, Sarasota, FL 34239
Relationship savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Qualifying balance up to $5,000.00
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1626 Ringling Blvd, Sarasota, FL 34236
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%
1626 Ringling Blvd, Sarasota, FL 34236
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1626 Ringling Blvd, Sarasota, FL 34236
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
1575 S Tamiami Trl, Sarasota, FL 34239
High Yield Savings
2.25%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
1575 S Tamiami Trl, Sarasota, FL 34239
High Yield Savings Account
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
22 S Links Ave, Sarasota, FL 34236
Above the Norm Personal Market Savings
1.97%
$100,000
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
Grow your money
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3000 Bee Ridge Rd, Sarasota, FL 34239
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%
2033 Main St, Sarasota, FL 34237
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Premium Savings Account
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1790 Main St, Sarasota, FL 34236
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
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%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3000 Bee Ridge Rd, Sarasota, FL 34239
Premium Savings Account
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
22 S Links Ave, Sarasota, FL 34236
Above the Norm Personal Market Savings
0.85%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Grow your money; Qualifying balance up to $99,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3000 Bee Ridge Rd, Sarasota, FL 34239
Premium Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
TotalView Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Non-Profit High Yield Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
TotalView Money Market Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
TotalView Money Market Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Non-Profit High Yield Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3000 Bee Ridge Rd, Sarasota, FL 34239
IRA Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
Traditional Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1680 Fruitville Rd, Sarasota, FL 34236
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3451 Cattlemen Rd, Sarasota, FL 34232
IRA Savings
0.21%
$0
▼
Rate0.21%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3000 Bee Ridge Rd, Sarasota, FL 34239
IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Health Savings Account (HSA)
0.18%
$0
▼
Rate0.18%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
Money Market Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Regular shares
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%
3510 Fruitville Rd, Sarasota, FL 34237
Business High Yield Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1680 Fruitville Rd, Sarasota, FL 34236
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
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
8482 S Tamiami Trl, Sarasota, FL 34238
Money Market Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Business High Yield Savings
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Performance Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
PRIME SHARE
0.10%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
SPECIAL SHARES
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
TRADITION IRA SHARE
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2704 Bee Ridge Rd, Sarasota, FL 34239
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%
2704 Bee Ridge Rd, Sarasota, FL 34239
Home Town Savings
0.06%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Business Share
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%
3510 Fruitville Rd, Sarasota, FL 34237
Health Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,000.00
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4048 Jenkins Pl, Sarasota, FL 34238
Interest Savings - Tier 3
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 21, 2026
Details
Minimum to Open: $10
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
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%
4048 Jenkins Pl, Sarasota, FL 34238
Interest Savings - Tier 2
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 21, 2026
Details
Minimum to Open: $10
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
3510 Fruitville Rd, Sarasota, FL 34237
Regular shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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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.
Sarasota, FL Savings Rate Trends
Compare local Sarasota, 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%
▼ 3.729 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, Florida?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sarasota, Florida offer in-person customer service, which some customers prefer.
How do I open a savings account in Sarasota, 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 Sarasota, Florida
Here are recent savings rates observed in Sarasota, Florida and the surrounding area:
- Everence Federal Credit Union
Youth savings — 5.00% APY - 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
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sarasota, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
