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Mississippi Savings Rate Trends

Biloxi, Mississippi (MS) Savings Rates - March 2026

The best savings rates for Biloxi, Mississippi and the surrounding area include Hancock Whitney BankHancock Whitney Bank926 Cedar Lake Rd, Biloxi, MS 39532A+5.0 ★Texas Ratio: 2.59% Freestyle Savings Account at 2.75% APY, Sunbelt Federal Credit UnionSunbelt Federal Credit Union400 Veterans Ave, Biloxi, MS 39531A+5.0 ★Texas Ratio: 2.03% Holiday Club Savings at 1.00% APY, Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS 39531 2728A+5.0 ★Texas Ratio: 4.31% IRA Savings at 0.65% APY, Community Bank of MississippiCommunity Bank of Mississippi732 Howard Ave, Biloxi, MS 39530A+5.0 ★Texas Ratio: 4.93% Make Cents Savings at 0.40% APY, and Wells FargoWells Fargo2675 Pass Rd, Biloxi, MS 39531A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Biloxi, Mississippi, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Biloxi, Mississippi (MS) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Biloxi, Mississippi and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Biloxi, Mississippi & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
926 Cedar Lake Rd, Biloxi, MS 39532
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%
926 Cedar Lake Rd, Biloxi, MS 39532
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%
926 Cedar Lake Rd, Biloxi, MS 39532
Freestyle Savings Account
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
400 Veterans Ave, Biloxi, MS 39531
Holiday Club Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,500.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS 39531 2728
IRA Savings
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
400 Veterans Ave, Biloxi, MS 39531
Sunrise Kids Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $1,500.00

Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
732 Howard Ave, Biloxi, MS 39530
Make Cents Savings
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CB matches 5% of rounded-up savings quarterly

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS 39531 2728
Christmas Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
400 Veterans Ave, Biloxi, MS 39531
Special Share Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Minimum Balance for APY Met

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
400 Veterans Ave, Biloxi, MS 39531
Regular Share Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Balance - $100 - $500*

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2675 Pass Rd, Biloxi, MS 39531
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

Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
926 Cedar Lake Rd, Biloxi, MS 39532
Freestyle Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2675 Pass Rd, Biloxi, MS 39531
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
244 Eisenhower Dr, Biloxi, MS 39531
Personal Savings
0.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2675 Pass Rd, Biloxi, MS 39531
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2675 Pass Rd, Biloxi, MS 39531
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%
2675 Pass Rd, Biloxi, MS 39531
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS 39581
MySavings Youth
7.00%
$0
Rate6.77%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
3.25%
$25
Rate3.20%
Min Deposit$25
Min Balance
UpdatedMar 23, 2026
Details

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS 39213 8202
High-Yield Savings
3.10%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Air Force Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
1908 Highway 45 N, Columbus, MS 39705
High Yield Savings Account
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS 39232 9527
High-Yield Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS 39232 9527
High Yield Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
3.00%
$25
Rate2.96%
Min Deposit$25
Min Balance
UpdatedMar 23, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
2.75%
$25
Rate2.72%
Min Deposit$25
Min Balance
UpdatedMar 23, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS 38606
IRA Savings
2.75%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

($0 Opening Balance)

Bank of Holly Springs
Institution Rating:
A5.0 ★Texas Ratio: 9.54%
114 S Memphis St, Holly Springs, MS 38635
REGULAR SAVINGS
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Rainy Day Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances above $25,000 and up to $50,000

CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1968 6th St N, Columbus, MS 39701
Shares
1.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Rainy Day Savings
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances up to $25,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Business
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS 39232 9527
High-Yield Savings
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS 39232 9527
High Yield Savings
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
IRA Share
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

All Balances

FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
Money Market Savings
0.80%
$2,500
Rate0.80%
Min Deposit$2,500
Min Balance
UpdatedMar 26, 2026
Details

$100,000+

Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS 39232 8861
IRA Shares
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS 39232 8861
Regular Shares
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
207 E Main St, Senatobia, MS 38668
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS 39581
Primary Share Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1968 6th St N, Columbus, MS 39701
Shares
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

APCO Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2201 17th St, Gulfport, MS 39501 2910
HIGH-YIELD Share Account
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
IRA Savings
0.75%
$100,000
Rate0.75%
Min Deposit$100,000
Min Balance
UpdatedMar 21, 2026
Details

Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1201 Jackson Ave, Pascagoula, MS 39567 4353
Premium Savings Money Market
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
PFA Savings Rate
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier Three
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $50,000.00 or more

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Savings
0.65%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
207 E Main St, Senatobia, MS 38668
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
207 E Main St, Senatobia, MS 38668
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
First Catastrophe Savings
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 23, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier Two
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $5,000.00 to $49,999.99

Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier One
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances less than $5,000.00

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
313 Lafayette Ave, Leakesville, MS 39451
Kasasa Saver Savings
0.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Qualifications Required: Linked to free Kasasa Cash or Cash Back account (required for this account); Automatic transfers of Kasasa rewards; Qualifying balance up to $20,000.00

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
207 E Main St, Senatobia, MS 38668
Traditional Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
Christmas Club Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

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.

Biloxi, MS Savings Rate Trends

Compare local Biloxi, MS 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 Mississippi Savings Trends →
High-Yield Savings — MS Avg
0.618%
▼ 0.815 from last week

Mississippi high-yield savings rates fell 0.815 points this week to 0.618% APY, down from 1.433% last week.

Standard Savings — MS Avg
0.841%
▲ 0.641 from last week

Mississippi standard savings rates rose 0.641 points this week to 0.841% APY, up from 0.200% 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 Biloxi, Mississippi 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 Biloxi, Mississippi. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MS.

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 Biloxi, Mississippi

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 Mississippi, help your money grow faster through a higher APY.

Are savings accounts in Biloxi, Mississippi 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 Mississippi up to $250,000 per depositor, per institution.

How often do savings rates change in Biloxi, Mississippi?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Mississippi 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 Biloxi, Mississippi 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 Biloxi, Mississippi?

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

How do I open a savings account in Biloxi, Mississippi?

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 Biloxi, Mississippi

Here are recent savings rates observed in Biloxi, Mississippi and the surrounding area:
  • Hancock Whitney Bank
    Freestyle Savings Account — 2.75% APY
  • Sunbelt Federal Credit Union
    Holiday Club Savings — 1.00% APY
  • Keesler Federal Credit Union
    IRA Savings — 0.65% APY
  • Community Bank of Mississippi
    Make Cents Savings — 0.40% APY
  • Wells Fargo
    Platinum Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Biloxi, Mississippi. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026