MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Florida Savings Rate Trends

Tampa, Florida (FL) Savings Rates - March 2026

The best savings rates for Tampa, Florida and the surrounding area include Trax Federal Credit UnionTrax Federal Credit Union3710 N 50th St, Tampa, FL 33619A+5.0 ★Texas Ratio: 5.81% Youth Share at 5.10% APY, Together Credit UnionTogether Credit Union3209 E Busch Blvd, Tampa, FL 33612 8737A+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY, Midflorida Credit UnionMidflorida Credit Union3202 W Waters Ave, Tampa, FL 33614A+5.0 ★Texas Ratio: 2.45% Share Savings Account at 5.00% APY, BayFirst National BankBayFirst National Bank3015 W Columbus Dr, Tampa, FL 33607A5.0 ★Texas Ratio: 10.71% Cash Kids Club Savings at 4.94% APY, and Suncoast Credit UnionSuncoast Credit Union6536 E Hillsborough Ave, Tampa, FL 33610A5.0 ★Texas Ratio: 6.47% High Yield Savings Account at 4.50% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

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

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

Compare the Best Savings Rates in Tampa, Florida & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Youth Share
5.10%
$5
Rate4.99%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3202 W Waters Ave, Tampa, FL 33614
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%
3015 W Columbus Dr, Tampa, FL 33607
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%
6536 E Hillsborough Ave, Tampa, FL 33610
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.

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4404 W Kennedy Blvd, Tampa, FL 33609
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 22, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
8351 N Dale Mabry Hwy, Tampa, FL 33614
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Structured Savings IRA
3.02%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances Of $5,000-$100,000

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Earn & Learn Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $2,500.00

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3202 W Waters Ave, Tampa, FL 33614
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%
17635 Bruce B Downs Blvd, Tampa, FL 33647
Kids Club Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $1,000

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2202 N West Shore Blvd, Tampa, FL 33607
Freestyle Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Structured Savings IRA
2.55%
$0
Rate2.52%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances Of up to $4,999.99

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2202 N West Shore Blvd, Tampa, FL 33607
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%
2202 N West Shore Blvd, Tampa, FL 33607
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%
3801 Henderson Blvd, Tampa, FL 33629
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%
3801 Henderson Blvd, Tampa, FL 33629
High Yield Savings Account
2.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Premium Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 6
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 5
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 4
1.30%
$0
Rate1.29%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
3015 W Columbus Dr, Tampa, FL 33607
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%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Premium Savings Account
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 3
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 2
1.10%
$0
Rate1.09%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Savings Tier 1
1.05%
$0
Rate1.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
17635 Bruce B Downs Blvd, Tampa, FL 33647
Health Savings Account
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Premier Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances of $250,000.00 and up

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
Premium Savings Account
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Premier Money Market Savings
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances of $50,000.00-$249,999.99

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
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%
201 N Franklin St, Tampa, FL 33602
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
711 E Henderson Ave, Tampa, FL 33602
Non-Profit High Yield Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Premier Money Market Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances of $10,000.00-$49,999.99

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
10824 N Dale Mabry Hwy, Tampa, FL 33618
Business Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
201 N Franklin St, Tampa, FL 33602
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Money Market Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$250,000.00 and up

Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
716 W Fletcher Ave, Tampa, FL 33612
Minor Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
716 W Fletcher Ave, Tampa, FL 33612
Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Regular Share/Trust/Special Purpose Club Accounts Other Club Accounts (Vacation, Christmas, Tax)
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
711 E Henderson Ave, Tampa, FL 33602
Non-Profit High Yield Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Money Market Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$50,000.00-$249,999.99

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Health Savings Accounts (Interest-Bearing Checking)
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Tampa, FL 33618 4112
IRA Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Business Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3020 Melburne Blvd, Tampa, FL 33605
Health Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3501 Bessie Coleman Blvd, Tampa, FL 33630
Share Savings IRA (Traditional & Roth)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL 33605
Coverdell Education Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL 33605
IRA Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL 33605
Roth IRA Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
IRA Share Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3710 N 50th St, Tampa, FL 33619
Roth IRA Share Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL 33610
IRA Shares
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Fees may reduce earnings. Rate may change after account is opened.

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.

Tampa, FL Savings Rate Trends

Compare local Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, 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 Tampa, Florida?

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

How do I open a savings account in Tampa, 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 Tampa, Florida

Here are recent savings rates observed in Tampa, Florida and the surrounding area:
  • Trax Federal Credit Union
    Youth Share — 5.10% APY
  • Together Credit Union
    Accelerate It 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
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tampa, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026