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Mississippi Savings Rate Trends

Southaven, Mississippi (MS) Savings Rates - March 2026

The best savings rates for Southaven, Mississippi and the surrounding area include FsnbFsnb6811 Southcrest Pkwy, Southaven, MS 38671A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, First HorizonFirst Horizon615 Goodman Rd E, Southaven, MS 38671A+5.0 ★Texas Ratio: 5.08% TotalView Money Market Savings at 0.75% APY, CenturyFirst Federal Credit UnionCenturyFirst Federal Credit Union3870 Goodman Rd E, Southaven, MS 38672 6443B+4.7 ★Texas Ratio: 18.83% IRA Savings Account at 0.60% APY, Southern Security Federal Credit UnionSouthern Security Federal Credit Union6717 Airways Blvd Ste 100, Southaven, MS 38671A5.0 ★Texas Ratio: 11.34% Regular Share at 0.40% APY, and Community Bank of MississippiCommunity Bank of Mississippi6910 Airways Blvd, Southaven, MS 38671A+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 Southaven, 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 Southaven, Mississippi (MS) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Southaven, Mississippi and the surrounding area. Last Updated and Verified: March 28, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6811 Southcrest Pkwy, Southaven, MS 38671
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
615 Goodman Rd E, Southaven, MS 38671
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%
6811 Southcrest Pkwy, Southaven, MS 38671
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

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3870 Goodman Rd E, Southaven, MS 38672 6443
IRA Savings Account
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
615 Goodman Rd E, Southaven, MS 38671
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%
615 Goodman Rd E, Southaven, MS 38671
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%
6811 Southcrest Pkwy, Southaven, MS 38671
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

CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3870 Goodman Rd E, Southaven, MS 38672 6443
Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Regular Share
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Miscellaneous Share
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Share Draft (Checking)
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Share (Savings)
0.40%
$25
Rate0.40%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Misc. Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Bridge Loan Share
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%
6910 Airways Blvd, Southaven, MS 38671
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

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Bridge Loan Share
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Share (Savings)
0.35%
$25
Rate0.35%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Miscellaneous Share
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Regular Share
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Misc. Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
6811 Southcrest Pkwy, Southaven, MS 38671
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

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Share Draft (Checking)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3212 Goodman Rd E, Southaven, MS 38672
Regular Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

With a balance of $100 or greater

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Miscellaneous Share
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Share (Savings)
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Business Misc. Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Bridge Loan Share
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
615 Goodman Rd E, Southaven, MS 38671
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%
3212 Goodman Rd E, Southaven, MS 38672
Christmas Club Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Regular Share
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Choice Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3212 Goodman Rd E, Southaven, MS 38672
Kids Club Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

With a balance of $25 or greater

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Share Draft (Checking)
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
615 Goodman Rd E, Southaven, MS 38671
Money Market Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
Basic Share & Kids Club
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Share Draft (Checking)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
615 Goodman Rd E, Southaven, MS 38671
Money Market Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
6717 Airways Blvd Ste 100, Southaven, MS 38671
Share Draft (Checking)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
84 Airways Pl, Southaven, MS 38671
Basic Share & Kids Club
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
485 Goodman Rd E, Southaven, MS 38671
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
485 Goodman Rd E, Southaven, MS 38671
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%
6644 Airways Blvd, Southaven, MS 38671
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%
485 Goodman Rd E, Southaven, MS 38671
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%
485 Goodman Rd E, Southaven, MS 38671
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%
485 Goodman Rd E, Southaven, MS 38671
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

Citizens National Bank of Meridian
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6296 Airways Blvd, Southaven, MS 38671
SmartBlue Savings
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Only available for in-branch account opening. Smart Savings Transfer must be connected to your CNB Checking account at the time of opening the account. If the transfer is not set up, a $100 deposit will be required. For online accounts, a minimum balance of $100 is required to open the account. Interest will be compounded and paid to your account quarterly. If you close your account before interest is paid, you will receive the accrued interest. Rates are set by CNB and are subject to change at any time. Fees may reduce earnings.

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

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 28, 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

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 28, 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 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

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

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
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 27, 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 27, 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 27, 2026
Details

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 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

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.

Southaven, MS Savings Rate Trends

Compare local Southaven, 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%
▼ 0.645 from last week

Mississippi high-yield savings rates fell 0.645 points this week to 0.618% APY, down from 1.264% last week.

Standard Savings — MS Avg
0.839%
▲ 0.139 from last week

Mississippi standard savings rates rose 0.139 points this week to 0.839% APY, up from 0.700% last week.

As of Mar 29, 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 Southaven, 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 Southaven, 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 Southaven, 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 Southaven, 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 Southaven, 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 Southaven, 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 Southaven, Mississippi?

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

How do I open a savings account in Southaven, 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 Southaven, Mississippi

Here are recent savings rates observed in Southaven, Mississippi and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • First Horizon
    TotalView Money Market Savings — 0.75% APY
  • CenturyFirst Federal Credit Union
    IRA Savings Account — 0.60% APY
  • Southern Security Federal Credit Union
    Regular Share — 0.40% 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 Southaven, Mississippi. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026