Ocean Springs, 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 Ocean Springs, Mississippi and the surrounding area include First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MS3905 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 3.26% Essential Savings at 3.25% APY, Hancock Whitney BankHancock Whitney Bank901 Washington Ave, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 2.59% Freestyle Savings Account at 2.75% APY, Navigator Credit UnionNavigator Credit Union3811 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 2.50% Premium Savings Money Market at 0.70% APY, Keesler Federal Credit UnionKeesler Federal Credit Union2420 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 4.31% IRA Savings at 0.65% APY, and Community Bank of MississippiCommunity Bank of Mississippi2314 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 4.93% Make Cents Savings at 0.40% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ocean Springs, 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 Ocean Springs, Mississippi (MS) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ocean Springs, Mississippi and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Ocean Springs, Mississippi & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3905 Bienville Blvd, Ocean Springs, MS 39564
Essential Savings
3.25%
$25
▼
Rate3.20%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3905 Bienville Blvd, Ocean Springs, MS 39564
Essential Savings
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
901 Washington Ave, Ocean Springs, MS 39564
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3905 Bienville Blvd, Ocean Springs, MS 39564
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%
901 Washington Ave, Ocean Springs, MS 39564
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
901 Washington Ave, Ocean Springs, MS 39564
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Premium Savings Money Market
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2420 Bienville Blvd, Ocean Springs, MS 39564
IRA Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Premium Savings Money Market
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Premium Savings Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3905 Bienville Blvd, Ocean Springs, MS 39564
First Catastrophe Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 23, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Premium Savings Money Market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Christmas Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Premium Savings Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
2314 Bienville Blvd, Ocean Springs, MS 39564
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%
2420 Bienville Blvd, Ocean Springs, MS 39564
Christmas Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Primary Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3811 Bienville Blvd, Ocean Springs, MS 39564
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 Bienville Blvd, Ocean Springs, MS 39564
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%
901 Washington Ave, Ocean Springs, MS 39564
Freestyle Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 Bienville Blvd, Ocean Springs, MS 39564
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3905 Bienville Blvd, Ocean Springs, MS 39564
Passbook Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 Bienville Blvd, Ocean Springs, MS 39564
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%
1701 Bienville Blvd, Ocean Springs, MS 39564
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1701 Bienville Blvd, Ocean Springs, MS 39564
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
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
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 28, 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
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS 39201 5506
Credit Builder Savings Plan
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
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 28, 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
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+
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 28, 2026
Details
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 28, 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
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
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
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
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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.
Ocean Springs, MS Savings Rate Trends
Compare local Ocean Springs, 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
0.839%
▲ 0.627 from last week
Mississippi standard savings rates rose 0.627 points this week to 0.839% APY, up from 0.212% last week.
As of Mar 28, 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs, Mississippi?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Ocean Springs, Mississippi offer in-person customer service, which some customers prefer.
How do I open a savings account in Ocean Springs, 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 Ocean Springs, Mississippi
Here are recent savings rates observed in Ocean Springs, Mississippi and the surrounding area:
- First Federal S&L Pascagoula, MS
Essential Savings — 3.25% APY - Hancock Whitney Bank
Freestyle Savings Account — 2.75% APY - Navigator Credit Union
Premium Savings Money Market — 0.70% APY - Keesler Federal Credit Union
IRA Savings — 0.65% APY - Community Bank of Mississippi
Make Cents Savings — 0.40% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Ocean Springs, Mississippi. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
Ocean Springs, Mississippi Rates & Resources
