Lucedale, Mississippi (MS) 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 Lucedale, Mississippi and the surrounding area include Community Bank of MississippiCommunity Bank of Mississippi5110 Main St, Lucedale, MS 39452A+5.0 ★Texas Ratio: 4.93% Make Cents Savings at 0.40% APY, First State Bank Waynesboro, MSFirst State Bank Waynesboro, MS12139 Highway 63 S, Lucedale, MS 39452A5.0 ★Texas Ratio: 11.49% Kasasa Saver Savings at 0.25% APY, Chevron Federal Credit UnionChevron Federal Credit Union250 Industrial Rd, Pascagoula, MS 39581A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, FsnbFsnb7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, and First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MS903 Jackson Ave, Pascagoula, MS 39567A+5.0 ★Texas Ratio: 3.26% Essential Savings at 3.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lucedale, 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 Lucedale, Mississippi (MS) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lucedale, Mississippi and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Lucedale, Mississippi & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
5110 Main St, Lucedale, MS 39452
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
First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
12139 Highway 63 S, Lucedale, MS 39452
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 State Bank Waynesboro, MS
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
12139 Highway 63 S, Lucedale, MS 39452
Kasasa Saver Savings
0.10%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
12139 Highway 63 S, Lucedale, MS 39452
Kasasa Saver Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
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
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
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)
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS 39440 4239
Holiday Club Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $1,500.00
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
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
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
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
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
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
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
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
4501 Denny Ave, Pascagoula, MS 39581
Share Account
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
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
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
Money Market Savings
0.65%
$2,500
▼
Rate0.65%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
$50,000 to $99,999
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS 39213 8202
Money Market Savings
0.65%
$0
▼
Rate0.64%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS 39401 6962
IRA Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
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 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
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
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
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 Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
Regular Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
With a balance of $100 or greater
First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
19 S Main St, Pontotoc, MS 38863
Kids Club Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
With a balance of $25 or greater
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
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
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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.
Lucedale, MS Savings Rate Trends
Compare local Lucedale, 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.
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 Lucedale, 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 Lucedale, 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 Lucedale, 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 Lucedale, 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 Lucedale, 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 Lucedale, 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 Lucedale, Mississippi?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lucedale, Mississippi offer in-person customer service, which some customers prefer.
How do I open a savings account in Lucedale, 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 Lucedale, Mississippi
Here are recent savings rates observed in Lucedale, Mississippi and the surrounding area:
- Community Bank of Mississippi
Make Cents Savings — 0.40% APY - First State Bank Waynesboro, MS
Kasasa Saver Savings — 0.25% APY - Chevron Federal Credit Union
MySavings Youth — 7.00% APY - Fsnb
Cents-able Savings — 7.00% APY - First Federal S&L Pascagoula, MS
Essential Savings — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lucedale, Mississippi. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
