Florida

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You are viewing savings rates from banks in Miami Gardens, Florida

 

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Miami Gardens, FL - October 11, 2024

Savings Account National Average Rate: 0.45% ?

Banks APY MIN

Rate History: 5.35% → 5.05% → 5.00%

| Oct 2, 2015

I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More

Rate History: 1.35% → 5.25% → 4.75%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 1.35% → 4.60%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Rate History: 5.00% → 4.80% → 4.50%

| Nov 17, 2021

Does Busey Bank cash Series EE Savings Bonds? Read More

Rate History: 4.25% → 5.00% → 4.75% → 5.00% → 4.50%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.50% → 4.25%

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

4.25%

$2,500

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Rate History: 4.30% → 4.10%

| Apr 14, 2020

I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

| Apr 4, 2016

I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More

| May 19, 2018

Experience Read More

Rate History: 1.00% → 4.08% → 3.98%

| Dec 8, 2023

We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More

Rate History: 4.00% → 3.75%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 4.50% → 4.25% → 4.16% → 4.25% → 3.75%

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

Rate History: 2.00% → 3.56%

| Jan 29, 2024

Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More

| Dec 26, 2021

SJennings Read More

| Aug 29, 2019

Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking ... Read More

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 1.51% → 1.00% → 1.76% → 1.26%

| Dec 30, 2018

Garden14 Read More

Rate History: 1.01% → 1.02%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

0.75%

$2,500

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Rate History: 0.80% → 0.05% → 0.10% → 0.80% → 0.70%

| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

| Oct 2, 2015

I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More

0.55%

$1,000

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| Nov 11, 2021

nino Read More

0.51%

$2,500

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| Aug 19, 2021

Best Service! Read More

Rate History: 1.00% → 0.50%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

0.40%

$2,500

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0.40%

$2,500

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0.35%

$25,000

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0.35%

$25,000

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0.35%

$10,000

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| Dec 30, 2018

Garden14 Read More

0.30%

$2,500

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| Aug 19, 2021

Best Service! Read More

0.30%

$10,000

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0.30%

$25,000

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0.30%

$2,500

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| Oct 2, 2020

O stars! Horrible bank Read More

0.25%

$25,000

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0.25%

$10,000

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$25,000

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| Apr 1, 2022

This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More

0.25%

$25,000

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0.25%

$25,000

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| Jun 14, 2021

I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.21%

$25,000

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0.20%

$2,500

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0.20%

$10,000

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0.20%

$2,500

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| Aug 5, 2020

They can open a CD only if you are a local or already have an account. Otherwise they will send you an application which you can fill out and send back. If you call and get a message it says "No one is ava... Read More

0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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| Apr 1, 2022

This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More

0.20%

$25,000

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0.20%

$25,000

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0.20%

$10,000

Learn More

| Jun 14, 2021

I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More

0.20%

$0

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0.18%

$10,000

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0.16%

$10,000

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0.15%

$25,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.15%

$2,500

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| Aug 5, 2020

They can open a CD only if you are a local or already have an account. Otherwise they will send you an application which you can fill out and send back. If you call and get a message it says "No one is ava... Read More

0.15%

$25,000

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.15%

$25,000

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0.15%

$2,500

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0.15%

$15,000

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$25,000

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0.15%

$25,000

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0.15%

$2,500

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| Apr 1, 2022

This bank is the absolute worst along with [name redacted] and [name redacted]. Their communication is horrible, they lie and are negligent. They told me I was approved for a commercial loan so I moved for... Read More

0.15%

$2,500

Learn More

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

0.15%

$25,000

Learn More

0.15%

$2,500

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0.15%

$2,500

Learn More

| Jun 14, 2021

I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More

0.15%

$25,000

Learn More

| Oct 2, 2020

O stars! Horrible bank Read More

Rate History: 1.00% → 0.15%

| Dec 8, 2023

We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More

0.13%

$25,000

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0.11%

$25,000

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0.11%

$2,500

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0.10%

$2,500

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.10%

$2,500

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0.10%

$200

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0.10%

$2,500

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

0.10%

$2,500

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0.10%

$2,500

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.10%

$2,500

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| Nov 15, 2020

Do they? Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$1

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| Nov 10, 2020

These rates are wrong Read More

0.10%

$25,000

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0.10%

$2,500

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0.10%

$1

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$25,000

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0.10%

$2,500

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| Jul 31, 2016

This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Jun 14, 2021

I have banked with Midsouth for 4 years. I deposited a check that was for $6,000. I explained at the time of the deposit that I needed the mo ur available for my sons surgery that was in a few days. They t... Read More

0.10%

$25,000

Learn More

| May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More

0.10%

$25,000

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0.10%

$2,500

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| Nov 4, 2020

Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More

0.10%

$2,500

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| Oct 2, 2020

O stars! Horrible bank Read More

0.10%

$2,500

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0.09%

$2,500

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| Nov 15, 2020

Do they? Read More

0.08%

$25,000

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| Nov 15, 2020

Do they? Read More

0.08%

$2,500

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0.08%

$10,000

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0.07%

$25,000

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0.07%

$25,000

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| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

0.06%

$2,500

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0.06%

$10,000

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| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

Rate History: 0.50% → 0.05% → 0.05%

| Aug 30, 2023

Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More

0.05%

$2,500

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0.05%

$2,500

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0.05%

$10

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| Aug 29, 2019

Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking ... Read More

0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$100

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| Jul 22, 2021

This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More

0.05%

$2,500

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0.05%

$2,500

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| Nov 15, 2020

Do they? Read More

0.05%

$1

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0.05%

$2,500

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

Rate History: 1.00% → 0.05%

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

0.05%

$2,500

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0.05%

$2,500

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0.05%

$25,000

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0.05%

$1

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0.05%

$2,500

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| Apr 5, 2020

great Read More

0.05%

$10,000

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0.05%

$10,000

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0.05%

$2,500

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| Feb 4, 2020

Academy was great helping me open a new account Read More

0.05%

$2,500

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0.05%

$2,500

Learn More

0.05%

$2,500

Learn More

| May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More

0.05%

$2,500

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| Jul 31, 2017

Outstanding bank, management and client service. Well run and financially very strong Read More

0.05%

$2,500

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| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

0.05%

$10,000

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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| Mar 10, 2021

HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More

0.05%

$100

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0.05%

$2,500

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0.05%

$0

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| Sep 12, 2023

Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More

0.04%

$2,500

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0.04%

$2,500

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0.04%

$2,500

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0.04%

$2,500

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| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

0.03%

$2,500

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0.03%

$2,500

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| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.03%

$10,000

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0.03%

$2,500

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0.03%

$2,500

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0.03%

$2,500

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0.03%

$2,500

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| Nov 4, 2020

Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More

0.02%

$10,000

Learn More

| Nov 15, 2020

Do they? Read More

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

0.02%

$2,500

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0.02%

$25,000

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0.02%

$2,500

Learn More

| Jul 31, 2016

This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More

0.02%

$2,500

Learn More

Rate History: 0.04% → 0.02%

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

0.02%

$2,500

Learn More

Rate History: 0.03% → 0.01%

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

0.01%

$0

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0.01%

$2,500

Learn More

0.01%

$1

Learn More

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.01%

$2,500

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0.01%

$500

Learn More

| Nov 12, 2018

Helpful w/$ Read More

| Jul 28, 2022

Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More

0.01%

$0

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| Jan 29, 2024

Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More

0.01%

$1

Learn More

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

| Aug 5, 2020

I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More

0.01%

$2,500

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0.01%

$2,500

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| Apr 5, 2020

great Read More

0.01%

$2,500

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| Aug 22, 2019

Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More

0.01%

$2,500

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0.01%

$2,500

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0.01%

$2,500

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0.01%

$2,500

Learn More

| Mar 10, 2021

HORRIBLE !!!! JUST RUN AS FAST AS YOU CAN AWAY FROM THIS BANK..Save yourself the hassle of dealing with them. Read More

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.