Best Local Bank Savings and Money Market Rates in Flowood, Mississippi, MS June 15, 2025

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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!

Flowood, MS - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Regions Bank Oxford Main Courthouse Sqr Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	3.25% 2.25% 1.75% 1.25% 0.35%	$500,000 $250,000 $100,000 $1 $0	Learn More
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Hancock Whitney Bank Poplarville Branch	3.00% 2.50%	$25,000 $0	Learn More
MLB \| 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 Reviews (1)
Capital One, National Association	2.50%	$1	Learn More
highstream \| 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 Reviews (16)
Wells Fargo Bank, National Association Pascagoula Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
Thy King \| 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 Reviews (7)
First Financial Bank Senatobia Branch	0.55%	$10,000	Learn More Add Review
Amory Federal Savings And Loan Association Amory Federal Savings And Loan Assoc Branch	0.50%	$2,500	Learn More
Juanita Orsborn \| Mar 28, 2015 Can we make the mortgage payment on line? Read More Reviews (1)
The Jefferson Bank The Jefferson Bank Branch	0.50%	$10,000	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.40%	$2,500	Learn More Add Review
Grand Bank For Savings, Fsb Grand Bank For Savings, Fsb Branch	0.40%	$10,000	Learn More Add Review
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	0.40% 0.25%	$10,000 $0	Learn More
Rate History: 1.00% → 0.50% → 0.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Magnolia State Bank Magnolia State Bank Branch	0.35%	$10,000	Learn More Add Review
Merchants & Farmers Bank Merchants & Farmers Bank Branch	0.35%	$200	Learn More
Tommy noe \| Oct 23, 2022 Unity bank of ms absolutely sucks...my paycheck is deposited on Friday butt they hold it till Monday never. Had that with any other bank.... Read More Reviews (1)
The Bank Of Holly Springs The Bank Of Holly Springs Branch	0.35%	$2,500	Learn More Add Review
Amory Federal Savings And Loan Association Amory Federal Savings And Loan Assoc Branch	0.35%	$2,500	Learn More
Juanita Orsborn \| Mar 28, 2015 Can we make the mortgage payment on line? Read More Reviews (1)
The Jefferson Bank The Jefferson Bank Branch	0.35%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch Restrictions	0.31%	$25,000	Learn More Add Review
Planters Bank & Trust Company Planters Bank & Trust Company Branch	0.30%	$1,000	Learn More Add Review
The Bank Of Holly Springs The Bank Of Holly Springs Branch	0.30%	$2,500	Learn More Add Review
First Financial Bank Senatobia Branch	0.30%	$2,500	Learn More Add Review
First Federal Savings And Loan Association First Federal Savings And Loan Assoc Branch	0.25%	$10,000	Learn More Add Review
Magnolia State Bank Magnolia State Bank Branch	0.25%	$2,500	Learn More Add Review
Planters Bank & Trust Company Planters Bank & Trust Company Branch	0.25%	$1	Learn More Add Review
First Financial Bank Senatobia Branch	0.25%	$2,500	Learn More Add Review
United Mississippi Bank Woodville Downtown Office Branch	0.25%	$2,500	Learn More Add Review
Bank Of Anguilla Bank Of Anguilla Branch	0.25%	$10,000	Learn More Add Review
Bank Of Winona Bank Of Winona Branch	0.25%	$2,500	Learn More Add Review
Merchants And Planters Bank Merchants And Planters Bank Branch	0.25%	$25,000	Learn More Add Review
Bank Of Franklin Bank Of Franklin Branch	0.25%	$25,000	Learn More Add Review
Grand Bank For Savings, Fsb Grand Bank For Savings, Fsb Branch	0.25%	$2,500	Learn More Add Review
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Bank Of Commerce Bank Of Commerce Branch	0.20%	$2,500	Learn More Add Review
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	0.20%	$10,000	Learn More Add Review
Cb&s Bank, Inc. Clarksdale Main Branch	0.20%	$2,500	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
The Cleveland State Bank The Cleveland State Bank Branch	0.20%	$100	Learn More Add Review
Farmers And Merchants Bank Farmers And Merchants Bank Branch	0.20%	$25,000	Learn More Add Review
Bna Bank Bna Bank Branch	0.20%	$2,500	Learn More Add Review
Bank Of Anguilla Bank Of Anguilla Branch	0.20%	$2,500	Learn More Add Review
Bank Of Kilmichael Bank Of Kilmichael Branch	0.20%	$2,500	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
Bank Of Winona Bank Of Winona Branch	0.20%	$2,500	Learn More Add Review
Home Bank, National Association Britton & Koontz Br Branch	0.20%	$2,500	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	0.20%	$10,000	Learn More Add Review
Home Bank, National Association Britton & Koontz Br Branch	0.18%	$25,000	Learn More Add Review
Pike National Bank Pike National Bank Branch	0.15%	$20,000	Learn More Add Review
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	0.15%	$2,500	Learn More Add Review
The Cleveland State Bank The Cleveland State Bank Branch	0.15%	$2,500	Learn More Add Review
Farmers And Merchants Bank Farmers And Merchants Bank Branch	0.15%	$10,000	Learn More Add Review
Bna Bank Bna Bank Branch	0.15%	$25,000	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.15%	$25,000	Learn More Add Review
The Commercial Bank The Commercial Bank Branch	0.15%	$2,500	Learn More Add Review
Merchants And Planters Bank Merchants And Planters Bank Branch	0.15%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch Restrictions	0.15%	$2,500	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.15%	$1,000	Learn More Add Review
Bank Of Franklin Bank Of Franklin Branch	0.15%	$2,500	Learn More Add Review
Home Bank, National Association Britton & Koontz Br Branch	0.14%	$10,000	Learn More Add Review
Bank Of Okolona Bank Of Okolona Branch	0.13%	$10,000	Learn More Add Review
Bank Of Brookhaven Bank Of Brookhaven Branch	0.13%	$2,500	Learn More Add Review
Bank Of Yazoo City Bank Of Yazoo City Branch	0.12%	$25,000	Learn More Add Review
Bank Of Okolona Bank Of Okolona Branch	0.11%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch Restrictions	0.11%	$2,500	Learn More Add Review
Pike National Bank Pike National Bank Branch	0.10%	$1,000	Learn More Add Review
Bank Of Commerce Bank Of Commerce Branch	0.10%	$2,500	Learn More Add Review
First National Bank Of Clarksdale First National Bank Of Clarksdale Branch	0.10%	$2,500	Learn More Add Review
Southern Bancorp Bank Ruleville Branch	0.10%	$10,000	Learn More Add Review
The Citizens National Bank Of Meridian The Citizens National Bank Of Meridi Branch	0.10%	$25,000	Learn More Add Review
Cb&s Bank, Inc. Clarksdale Main Branch	0.10%	$2,500	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Origin Bank Origin Bank Branch	0.10%	$2,500	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Fsnb, National Association Olive Branch	0.10%	$2,500	Learn More Add Review
Farmers And Merchants Bank Farmers And Merchants Bank Branch	0.10%	$2,500	Learn More Add Review
Bank Of Okolona Bank Of Okolona Branch	0.10%	$2,500	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.10%	$2,500	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.10%	$10,000	Learn More Add Review
United Mississippi Bank Woodville Downtown Office Branch	0.10%	$2,500	Learn More Add Review
Bankfirst Financial Services Bankfirst Financial Services Branch	0.10%	$25,000	Learn More Add Review
Bank Of Kilmichael Bank Of Kilmichael Branch	0.10%	$2,500	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
The Citizens Bank Of Philadelphia, Mississippi Sebastopol Branch	0.10%	$2,500	Learn More Add Review
The Bank Of Forest The Bank Of Forest Branch	0.10%	$2,500	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.10%	$10,000	Learn More Add Review
First State Bank Leakesville Branch	0.10%	$2,500	Learn More Add Review
Merchants & Marine Bank Merchants & Marine Bank Branch	0.10%	$2,500	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.10%	$100	Learn More Add Review
Concordia Bank & Trust Company Wilkinson County Branch	0.10%	$2,500	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	0.10%	$2,500	Learn More Add Review
Century Bank Century Bank Branch	0.10%	$2,500	Learn More Add Review
First National Bank Of Picayune First National Bank Of Picayune Branch	0.10%	$2,500	Learn More Add Review
Richton Bank & Trust Company Richton Bank & Trust Company Branch	0.10%	$2,500	Learn More Add Review
First Security Bank Crenshaw Branch	0.08%	$2,500	Learn More Add Review
Trustmark National Bank Trustmark National Bank Branch	0.08%	$10,000	Learn More
trbf15 \| 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 Reviews (1)
The First, A National Banking Association Gulfport Branch	0.08%	$10,000	Learn More Add Review
Bank Of Yazoo City Bank Of Yazoo City Branch	0.07%	$1,000	Learn More Add Review
Merchants & Marine Bank Merchants & Marine Bank Branch	0.07%	$2,500	Learn More Add Review
Guaranty Bank And Trust Company Guaranty Bank And Trust Company Branch	0.07%	$25,000	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	0.06%	$2,500	Learn More Add Review
Hancock Whitney Bank Poplarville Branch	0.05%	$2,499	Learn More
MLB \| 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 Reviews (1)
First Federal Savings And Loan Association First Federal Savings And Loan Assoc Branch	0.05%	$2,500	Learn More Add Review
Pike National Bank Pike National Bank Branch	0.05%	$1	Learn More Add Review
Bank Of Yazoo City Bank Of Yazoo City Branch	0.05%	$100	Learn More Add Review
Community Spirit Bank Belmont Branch	0.05%	$2,500	Learn More Add Review
Bankplus Tchula Branch	0.05%	$100	Learn More Add Review
First Security Bank Crenshaw Branch	0.05%	$2,500	Learn More Add Review
Community Bank Of Mississippi Indianola Branch	0.05%	$2,500	Learn More Add Review
Southern Bancorp Bank Ruleville Branch	0.05%	$2,500	Learn More Add Review
The Citizens National Bank Of Meridian The Citizens National Bank Of Meridi Branch	0.05%	$10,000	Learn More Add Review
First Commercial Bank First Commercial Bank Branch	0.05%	$2,500	Learn More Add Review
Farmers And Merchants Bank Farmers And Merchants Bank Branch	0.05%	$2,500	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.05%	$2,500	Learn More Add Review
Bankfirst Financial Services Bankfirst Financial Services Branch	0.05%	$2,500	Learn More Add Review
First Bank First Bank Branch	0.05%	$25,000	Learn More Add Review
The Citizens Bank Of Philadelphia, Mississippi Sebastopol Branch	0.05%	$2,500	Learn More Add Review
Great Southern Bank Great Southern Bank Branch	0.05%	$2,500	Learn More Add Review
Merchants And Planters Bank Merchants And Planters Bank Branch	0.05%	$2,500	Learn More Add Review
Priorityone Bank Collins Main Branch	0.05%	$2,500	Learn More
Archie \| Feb 8, 2017 25000 Read More Reviews (1)
Covington County Bank Covington County Bank Branch	0.05%	$2,500	Learn More Add Review
First State Bank Leakesville Branch	0.05%	$2,500	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	0.05%	$2,500	Learn More Add Review
Richton Bank & Trust Company Richton Bank & Trust Company Branch	0.05%	$2,500	Learn More Add Review
Guaranty Bank And Trust Company Guaranty Bank And Trust Company Branch	0.04%	$2,500	Learn More Add Review
Renasant Bank Durant Branch	0.03%	$2,500	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Trustmark National Bank Trustmark National Bank Branch	0.03%	$2,500	Learn More
trbf15 \| 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 Reviews (1)
First Bank First Bank Branch	0.03%	$2,500	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.03%	$25,000	Learn More Add Review
Community Spirit Bank Belmont Branch	0.02%	$100	Learn More Add Review
Guaranty Bank And Trust Company Guaranty Bank And Trust Company Branch	0.02%	$2,500	Learn More Add Review
First Bank First Bank Branch	0.02%	$2,500	Learn More Add Review
The First, A National Banking Association Gulfport Branch	0.02%	$2,500	Learn More Add Review
Regions Bank Oxford Main Courthouse Sqr Branch	0.01%	$0	Learn More Add Review
The Citizens National Bank Of Meridian The Citizens National Bank Of Meridi Branch	0.01%	$2,500	Learn More Add Review
Holmes County Bank & Trust Company Holmes County Bank & Trust Company Branch	0.01%	$2,500	Learn More Add Review
First Southern Bank First Southern Bank Branch	0.01%	$2,500	Learn More Add Review

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.

See rates for Credit Unions →

Branches Info around Flowood, MS - June 15, 2025

Branch	Street	City	State
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Hancock Whitney Bank Poplarville Branch	602 South Main Street	Poplarville	MS
Hancock Whitney Bank Poplarville Branch	602 South Main Street	Poplarville	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Wells Fargo Bank, National Association Pascagoula Branch	1114 Jackson Avenue	Pascagoula	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	213 2nd Ave N	Amory	MS
The Jefferson Bank The Jefferson Bank Branch	3008 East Reed Road	Greenville	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	204 Westover Drive	Hattiesburg	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Magnolia State Bank Magnolia State Bank Branch	28 Highway 528	Bay Springs	MS
Unity Bank of Mississippi Merchants & Farmers Bank Branch	650 Highway 7 South	Holly Springs	MS
Bank of Holly Springs The Bank Of Holly Springs Branch	114 S Memphis St	Holly Springs	MS
Amory Federal Savings and Loan Association Amory Federal Savings And Loan Assoc Branch	213 2nd Ave N	Amory	MS
The Jefferson Bank The Jefferson Bank Branch	3008 East Reed Road	Greenville	MS
Peoples Bank Peoples Bank Branch	154 Maud Avenue	Mendenhall	MS
Planters Bank & Trust Company Planters Bank & Trust Company Branch	212 Catchings Street	Indianola	MS
Bank of Holly Springs The Bank Of Holly Springs Branch	114 S Memphis St	Holly Springs	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
Magnolia State Bank Magnolia State Bank Branch	28 Highway 528	Bay Springs	MS
Planters Bank & Trust Company Planters Bank & Trust Company Branch	212 Catchings Street	Indianola	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
United Mississippi Bank Woodville Downtown Office Branch	142 Royal Oak Street	Woodville	MS
Bank of Anguilla Bank Of Anguilla Branch	130 Holland Street	Anguilla	MS
Bank of Winona Bank Of Winona Branch	312 North Applegate	Winona	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
Bank of Franklin Bank Of Franklin Branch	9 Main Street	Meadville	MS
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	204 Westover Drive	Hattiesburg	MS
Bank of Commerce Bank Of Commerce Branch	310 Howard Street	Greenwood	MS
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	239 East Main St	Marks	MS
CB&S Bank, Inc. Clarksdale Main Branch	301 John Lee Hooker Lane	Clarksdale	MS
The Cleveland State Bank The Cleveland State Bank Branch	110 Commerce Avenue	Cleveland	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
BNA Bank Bna Bank Branch	205 Bankhead Street	New Albany	MS
Bank of Anguilla Bank Of Anguilla Branch	130 Holland Street	Anguilla	MS
Bank of Kilmichael Bank Of Kilmichael Branch	120 North Depot Avenue	Kilmichael	MS
Bank of Winona Bank Of Winona Branch	312 North Applegate	Winona	MS
Home Bank, National Association Britton & Koontz Br Branch	500 Main Street	Natchez	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Home Bank, National Association Britton & Koontz Br Branch	500 Main Street	Natchez	MS
Pike National Bank Pike National Bank Branch	350 Rawls Drive	Mccomb	MS
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	239 East Main St	Marks	MS
The Cleveland State Bank The Cleveland State Bank Branch	110 Commerce Avenue	Cleveland	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
BNA Bank Bna Bank Branch	205 Bankhead Street	New Albany	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
The Commercial Bank The Commercial Bank Branch	175 Hopper Avenue	De Kalb	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
Peoples Bank Peoples Bank Branch	154 Maud Avenue	Mendenhall	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
Bank of Franklin Bank Of Franklin Branch	9 Main Street	Meadville	MS
Home Bank, National Association Britton & Koontz Br Branch	500 Main Street	Natchez	MS
BankOkolona Bank Of Okolona Branch	227 West Main Street	Okolona	MS
Bank of Brookhaven Bank Of Brookhaven Branch	411 Brookway Boulevard	Brookhaven	MS
Bank of Yazoo City Bank Of Yazoo City Branch	104 North Main Street	Yazoo City	MS
BankOkolona Bank Of Okolona Branch	227 West Main Street	Okolona	MS
Peoples Bank Peoples Bank Branch	154 Maud Avenue	Mendenhall	MS
Pike National Bank Pike National Bank Branch	350 Rawls Drive	Mccomb	MS
Bank of Commerce Bank Of Commerce Branch	310 Howard Street	Greenwood	MS
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	402 East Second Street	Clarksdale	MS
Southern Bancorp Bank Ruleville Branch	117 West Floyce Street	Ruleville	MS
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	512 22nd Avenue	Meridian	MS
CB&S Bank, Inc. Clarksdale Main Branch	301 John Lee Hooker Lane	Clarksdale	MS
Origin Bank Origin Bank Branch	775 Lake Harbour Drive, Suite A	Ridgeland	MS
FSNB, National Association Olive Branch	7950 Craft Goodman Frontage Road	Olive Branch	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
BankOkolona Bank Of Okolona Branch	227 West Main Street	Okolona	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
United Mississippi Bank Woodville Downtown Office Branch	142 Royal Oak Street	Woodville	MS
BankFirst Financial Services Bankfirst Financial Services Branch	900 Main Street	Columbus	MS
Bank of Kilmichael Bank Of Kilmichael Branch	120 North Depot Avenue	Kilmichael	MS
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	24 Pine Street	Sebastopol	MS
The Bank of Forest The Bank Of Forest Branch	211 West Third Street	Forest	MS
Great Southern Bank Great Southern Bank Branch	218 22nd Avenue South	Meridian	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
Merchants & Marine Bank Merchants & Marine Bank Branch	3118 Pascagoula Street	Pascagoula	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
Concordia Bank & Trust Company Wilkinson County Branch	498 Main Street	Woodville	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Century Bank Century Bank Branch	4282 Main Street	Lucedale	MS
FNB Picayune Bank First National Bank Of Picayune Branch	121 East Canal Street	Picayune	MS
Richton Bank & Trust Company Richton Bank & Trust Company Branch	114 South Front Street	Richton	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
Trustmark National Bank Trustmark National Bank Branch	248 East Capitol Street	Jackson	MS
The First Bank Gulfport Branch	1300 25th Avenue	Gulfport	MS
Bank of Yazoo City Bank Of Yazoo City Branch	104 North Main Street	Yazoo City	MS
Merchants & Marine Bank Merchants & Marine Bank Branch	3118 Pascagoula Street	Pascagoula	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	Lameuse And Howard Avenues	Biloxi	MS
Hancock Whitney Bank Poplarville Branch	602 South Main Street	Poplarville	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
Pike National Bank Pike National Bank Branch	350 Rawls Drive	Mccomb	MS
Bank of Yazoo City Bank Of Yazoo City Branch	104 North Main Street	Yazoo City	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
BankPlus Tchula Branch	206 Main Street	Tchula	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
Community Bank of Mississippi Indianola Branch	147 Highway 82	Indianola	MS
Southern Bancorp Bank Ruleville Branch	117 West Floyce Street	Ruleville	MS
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	512 22nd Avenue	Meridian	MS
FIRST COMMERCIAL BANK First Commercial Bank Branch	1300 Meadowbrook Road	Jackson	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
BankFirst Financial Services Bankfirst Financial Services Branch	900 Main Street	Columbus	MS
First Bank First Bank Branch	105 South Broadway Street	Mccomb	MS
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	24 Pine Street	Sebastopol	MS
Great Southern Bank Great Southern Bank Branch	218 22nd Avenue South	Meridian	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
PriorityOne Bank Collins Main Branch	215 Main Street	Collins	MS
Covington County Bank Covington County Bank Branch	102 S Dogwood Ave	Collins	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
Richton Bank & Trust Company Richton Bank & Trust Company Branch	114 South Front Street	Richton	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
Renasant Bank Durant Branch	381 Nw Depot St	Durant	MS
Trustmark National Bank Trustmark National Bank Branch	248 East Capitol Street	Jackson	MS
First Bank First Bank Branch	105 South Broadway Street	Mccomb	MS
First Southern Bank First Southern Bank Branch	1075 Highway 98	Columbia	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
First Bank First Bank Branch	105 South Broadway Street	Mccomb	MS
The First Bank Gulfport Branch	1300 25th Avenue	Gulfport	MS
Wells Fargo Bank, National Association Pascagoula Branch	1114 Jackson Avenue	Pascagoula	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	512 22nd Avenue	Meridian	MS
Holmes County Bank Holmes County Bank & Trust Company Branch	316 Court Square	Lexington	MS
First Southern Bank First Southern Bank Branch	1075 Highway 98	Columbia	MS

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.