Gainesville, Florida (FL) Savings Rates - April 2026
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Brian McKay
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Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Gainesville, Florida and the surrounding area include Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 5.29% Even-Up Share* at 10.00% APY, Midflorida Credit UnionMidflorida Credit Union6120 NW 1st Pl, Gainesville, FL 32607A+5.0 ★Texas Ratio: 2.45% High Five Savings at 5.00% APY, PNC BankPNC Bank2814 Sw 34th St, Gainesville, FL 32608A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Florida Credit UnionFlorida Credit Union1615 NW 80th Blvd, Gainesville, FL 32606A+5.0 ★Texas Ratio: 4.36% Youth Savings at 2.00% APY, and FLC BankFLC Bank241 Sw 7th Ter, Gainesville, FL 32601A+5.0 ★Texas Ratio: 1.89% Business Savings at 0.10% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Gainesville, 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 Gainesville, Florida (FL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Gainesville, Florida and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Gainesville, Florida & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
High Five Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $2,000.00
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $5,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2814 Sw 34th St, Gainesville, FL 32608
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
Youth Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
Youth Savings Account
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $750.00
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Extreme Business Savings
0.53%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Extreme Business Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
Youth Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
Regular Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
Special Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
241 Sw 7th Ter, Gainesville, FL 32601
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Health Savings Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
IRA Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Regular Share
0.08%
$5
▼
Rate0.08%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Roth IRA Share
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Special Share
0.08%
$5
▼
Rate0.08%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4881 Nw 8th Ave, Gainesville, FL 32605
Personal Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Shares
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Even-Up Share*
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Regular Share
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Special Share
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
104 N Main St, Gainesville, FL 32601
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2814 Sw 34th St, Gainesville, FL 32608
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2814 Sw 34th St, Gainesville, FL 32608
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Relationship Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Regular Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
IRA Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL 32607
Business Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
All balances
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 28, 2026
Details
Balance: $5 - $1,000
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Youth Share
5.10%
$5
▼
Rate4.99%
Min Deposit$5
Min Balance—
UpdatedMar 29, 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 29, 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 26, 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 26, 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
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
6536 E Hillsborough Ave, Tampa, FL 33610
High Yield Savings Account
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00; No monthly fees. High yield checking required.
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 28, 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
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
No minimum balance
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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 29, 2026
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 28, 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 25, 2026
Details
E-statements or $5 paper statements
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 25, 2026
Details
no monthly service fee. The interest rate is 3.50% with an annual percentage yield (APY) of 3.56%, accurate as of 11-19-2025 and subject to change. E-statements are provided at no charge, and paper statements are available for a $5.00 monthly fee.
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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 25, 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 25, 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 29, 2026
Details
Relationship
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 25, 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%
$2,500
▼
Rate3.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
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 27, 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%
$2,500
▼
Rate2.95%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
201 Center Rd, Venice, FL 34285
Above the Norm Personal Market Savings
2.99%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
8889 Pelican Bay Blvd, Naples, FL 34108
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1301 Industrial Dr, Crestview, FL 32539
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Gainesville, FL Savings Rate Trends
Compare local Gainesville, 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.
High-Yield Savings — FL Avg
1.318%
▲ 0.428 from last week
Florida high-yield savings rates rose 0.428 points this week to 1.318% APY, up from 0.890% last week.
Standard Savings — FL Avg
0.418%
▲ 0.182 from last week
Florida standard savings rates rose 0.182 points this week to 0.418% APY, up from 0.236% last week.
As of Apr 1, 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 Gainesville, 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 Gainesville, 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 Gainesville, 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 Gainesville, 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 Gainesville, 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 Gainesville, 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 Gainesville, Florida?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Gainesville, Florida offer in-person customer service, which some customers prefer.
How do I open a savings account in Gainesville, 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 Gainesville, Florida
Here are recent savings rates observed in Gainesville, Florida and the surrounding area:
- Radiant Credit Union
Even-Up Share* — 10.00% APY - Midflorida Credit Union
High Five Savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Florida Credit Union
Youth Savings — 2.00% APY - FLC Bank
Business Savings — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Gainesville, Florida. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
