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Florida Savings Rate Trends

Cocoa, Florida (FL) Savings Rates - March 2026

The best savings rates for Cocoa, Florida and the surrounding area include PNC BankPNC Bank2323 Highway 524, Cocoa, FL 32926A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Community Credit Union Of FloridaCommunity Credit Union Of Florida660 West Ave, Cocoa, FL 32927 4971A+5.0 ★Texas Ratio: 1.84% Premium Business Savings at 3.00% APY, Launch Credit UnionLaunch Credit Union7347 N Highway 1, Cocoa, FL 32927A+5.0 ★Texas Ratio: 2.80% First Time Homebuyers Savings at 0.30% APY, Wells FargoWells Fargo834 N Cocoa Blvd, Cocoa, FL 32922A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, and Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408A+5.0 ★Texas Ratio: 1.21% Rising Tide Youth Share at 10.00% APY.

To see how these savings rates in Cocoa, Florida, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Cocoa, Florida (FL) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Cocoa, Florida and the surrounding area. Last Updated and Verified: March 21, 2026

Cocoa, FL Savings Rate Trends

Compare local Cocoa, FL 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 Florida Savings Trends →
High-Yield Savings — FL Avg
0.937%

Florida high-yield savings rates currently average 0.937% APY based on data from institutions in our monitoring network.

Standard Savings — FL Avg
0.591%

Florida standard savings rates currently average 0.591% APY based on data from institutions in our monitoring network.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Cocoa, Florida & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2323 Highway 524, Cocoa, FL 32926
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Savings
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Savings
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Savings
1.05%
$0
Rate1.04%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Business Savings
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Savings
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Premium Savings
0.62%
$0
Rate0.62%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
First Time Homebuyers Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Business Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$100,000 & Up

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Business Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$50,000-$99,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$25,000-$49,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$2,500-$9,999.99

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

$5-$199.99***

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
834 N Cocoa Blvd, Cocoa, FL 32922
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
660 West Ave, Cocoa, FL 32927 4971
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
7347 N Highway 1, Cocoa, FL 32927
Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2323 Highway 524, Cocoa, FL 32926
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2323 Highway 524, Cocoa, FL 32926
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
834 N Cocoa Blvd, Cocoa, FL 32922
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
834 N Cocoa Blvd, Cocoa, FL 32922
Way2Save Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
834 N Cocoa Blvd, Cocoa, FL 32922
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

How to avoid the $5 monthly service fee

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
Rising Tide Youth Share
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $1,000.00

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Even-Up Share*
10.00%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Qualifying balance up to $5,000.00

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
Emergency Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $1,000.00

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3407 Bahia Vista St, Sarasota, FL 34239
Youth savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Qualifying balance up to $1,000.00

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
Cash Kids Club Savings
4.94%
$10
Rate4.82%
Min Deposit$10
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $500.00

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
Personal High Yield Savings
4.20%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Super Duper Savings
4.01%
$50
Rate3.93%
Min Deposit$50
Min Balance
UpdatedMar 18, 2026
Details

Your account is set up to receive monthly e-statements. A $5.00 paper statement fee applies if you opt for paper.

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Super Duper Savings Account
4.01%
$50
Rate3.93%
Min Deposit$50
Min Balance
UpdatedMar 18, 2026
Details

Your account is set up to receive monthly e-statements. A $5.00 paper statement fee applies if you opt for paper. Rates may change. No minimum balance required to earn interest. Fees may reduce earnings.

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 Crosspointe Dr, Naples, FL 34110
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 15, 2026
Details

Independent Bank Memphis, TN
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
550 Wells Rd, Orange Park, FL 32073
Savings Special
3.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

New money only. Fees may reduce earnings. Offer applies to personal accounts only.

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Contact your local banker for more details!

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Contact your local banker for more details!

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Super Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 18, 2026
Details

terms apply; A monthly service charge of $5.00 will be assessed if the daily minimum balance falls below $200.00. Withdrawals and fees could reduce earnings.

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Youth Savings
3.56%
$25
Rate3.50%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee.

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High Yield Savings
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High Yield Savings
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Goal Savings
3.25%
$25
Rate3.20%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $250,000

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
SMB Savings
3.25%
$25
Rate3.20%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
Premier Relationship Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
Savings
3.15%
$2,500
Rate3.10%
Min Deposit$2,500
Min Balance
UpdatedMar 18, 2026
Details

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL 33401
Connection Plus Savings
3.10%
$0
Rate3.05%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
Business High Yield Savings
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

MidWestOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
4099 Tamiami Trl N, Naples, FL 34103
High Yield Savings
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Introductory APY

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
Structured Savings IRA
3.02%
$0
Rate3.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Daily Balances Of $5,000-$100,000

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL 33401
Connection Plus Savings
3.00%
$0
Rate2.95%
Min Deposit$0
Min Balance
UpdatedMar 18, 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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Cocoa, Florida 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 Cocoa, Florida. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in FL.

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 Cocoa, Florida

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 Florida, help your money grow faster through a higher APY.

Are savings accounts in Cocoa, Florida 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 Florida up to $250,000 per depositor, per institution.

How often do savings rates change in Cocoa, Florida?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Florida 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 Cocoa, Florida 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 Cocoa, Florida?

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

How do I open a savings account in Cocoa, Florida?

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 Cocoa, Florida

Here are recent savings rates observed in Cocoa, Florida and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Community Credit Union Of Florida
    Premium Business Savings — 3.00% APY
  • Launch Credit Union
    First Time Homebuyers Savings — 0.30% APY
  • Wells Fargo
    Retirement High Yield Savings — 0.05% APY
  • Panhandle Credit Union
    Rising Tide Youth Share — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cocoa, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026