Orange Park, Florida Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Orange Park, Florida savings account rates range from 0.01% to 10.00% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for Orange Park, Florida and the surrounding area include Wells FargoWells Fargo400 Blanding Blvd, Orange Park, FL 32073A+5.0 ★Texas Ratio: 5.36%Real return: +0.45%APY minus 2.8% CPI (February 2026) Platinum Savings at 3.25% APY, Community First Credit Union Of FloridaCommunity First Credit Union Of Florida625 Blanding Blvd, Orange Park, FL 32073A+5.0 ★Texas Ratio: 3.41%Real return: -1.80%APY minus 2.8% CPI (February 2026) Youth Advantage Share Savings at 1.00% APY, Coastline Federal Credit UnionCoastline Federal Credit Union1505 County Road 220, Orange Park, FL 32003 7926A+5.0 ★Texas Ratio: 2.18%Real return: -2.55%APY minus 2.8% CPI (February 2026) IRA Share Savings at 0.25% APY, First Florida Credit UnionFirst Florida Credit Union1461 Kingsley Ave, Orange Park, FL 32073A+5.0 ★Texas Ratio: 3.47%Real return: -2.60%APY minus 2.8% CPI (February 2026) Prime Share at 0.20% APY, and RadiFi Credit UnionRadiFi Credit Union950 Blanding Blvd, Orange Park, FL 32065 5910A+5.0 ★Texas Ratio: 3.41%Real return: -2.70%APY minus 2.8% CPI (February 2026) Holiday Savings at 0.10% APY.
Orange Park has 30 local institutions in our database, with savings rates as high as 3.25% APY from Wells Fargo at 400 Blanding Blvd, Orange Park, FL 32073. Use the table below to compare all available offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Orange Park, Florida and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in Orange Park, Florida & Surrounding Communities
Balance: $25,000 or more; Rates for New Savings Customers; Earn 3.25% APY as a new Wells Fargo savings customer; California Bay Area counties branches only
- Oct 14, 20263.25%▲ from 0.05%
- Oct 7, 20260.05%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $0 - $500
Balance: $50,000 - or more
Balance: $25,000 - $49,999.99
Balance: $50,000 - or more
- Oct 5, 20260.45%▼ from 0.55%
- Oct 1, 20260.55%first recorded
Balance: $25,000 - $49,999.99
- Oct 5, 20260.40%▼ from 0.50%
- Oct 1, 20260.50%first recorded
Balance: $10,000 - $24,999.99
Balance: $10,000 - $24,999.99
- Oct 5, 20260.35%▼ from 0.40%
- Oct 1, 20260.40%first recorded
Balance: $100 - $2,499.99
- Oct 5, 20260.30%▲ from 0.10%
- Oct 1, 20260.10%first recorded
Balance: $50,000.00 - and over
Balance: $50,000.00 - and over
Balance: $2,500 - $4,999.99
Balance: $0.00 - $49,999.99
Balance: $0.00 - $49,999.99
Balance: $100 - $2,499.99
Balance: $100 or more
Balance: $100 or more
Balance: $500.01 or more
When linked to Premier Checking; Balance: $0 or more; California Bay Area counties branches only
When linked to Prime Checking; Balance: $0 or more; California Bay Area counties branches only
Balance: $0 or more; Standard Interest Rates; California Bay Area counties branches only
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0 or more; Standard Interest Rate; California Bay Area counties branches only
Balance: $1.00 - $499.99
Balance: $5 - $1,000
Balance: $100.00 and over; Additional deposits up to $8,000; Minimum additional deposit $100; Matures on teen's 18th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Rates effective as of 10/01/2026
Qualifying balance up to $500.00; Special interest rate of 5.10% APY up to the first $500 in the savings account; balances above $500 paid at current rate
Balance: $0 - $5,000.99; Emergency Savings Rates tier 1; interest rate 4.91% on this tier; fees may reduce earnings
Balance: 0 - 5,000.99
Balance: $0 - $499.99; Deposit or withdraw as needed. No monthly service fee
Balance: Up to $1,000; Youth savings account for kids under 18
Balance: $100.00 - $5,000.99 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100
Balance: $0-$500.00; Qualifying balance up to $500.00
Balance: up to $1,000.00; Premium rate of APY is applied to the first $1,000 in the Emergency Savings account. Balances above $1,000 earn .
Balance: $0.01 to $2,000.00
Balance: $100.00 and over; Additional deposits up to $5,000; Minimum additional deposit $100; Matures on child's 13th birthday; Withdrawal before maturity incurs penalty of all dividends earned
Rate Type: Variable
New account APY only; variable rate account, APY may change without notice; interest compounded daily; no monthly maintenance fee; no minimum balance required; available exclusively online and by phone
- Oct 7, 20264.20%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Earn 11x the national average; New applications paused (waitlist)
Boosted APY = 3.80% standard variable APY + 0.35% 6-month APY Boost for new customers; boost expires after 6 months and reverts to standard variable APY; open by 11/03/26; limited-time offer, new Openbank customers only
Exclusively for customers age 62 and older. Rates effective as of May 1, 2026. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) is accurate as of the date shown. The High-Yield Senior Savings Account is available to individuals 62 years of age or older. Deposit accounts are insured up to the maximum amount allowed by law by the Federal Deposit Insurance Corporation (FDIC).
Term: 12 months introductory promotion; New customer introductory promo; must be a new Valley National Bank customer; introductory rate is standard rate plus 0.67% for one year; online only
Annualized Earnings: $2,000.00 (Deposit Amount column); Available via Raisin platform; New customer offer: earn up to $1,000 with code STACK
- Oct 14, 20264.00%▲ from 3.86%
- Sep 18, 20263.86%first recorded
Promotional APY for first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new personal savings clients only; Personal accounts only
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $100,000.00 and above; Online Only; requires an existing Time Deposit or opening one at the same time
FDIC insured; Setup auto-savings
Balance: $5,000-$100,000
Standard variable APY; variable-rate account, subject to change at Openbank's discretion without notice; Personal accounts only
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
Balance: >= $5,000
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $1,000.00 and above
Balance: below $100,000.00; Online Only; requires an existing Time Deposit or opening one at the same time
Must be 17 years or younger; account must include parent and/or guardian
Earn up to 3.50% APY when you are an account owner of a U.S. Bank Smartly Checking, Safe Debit account, or U.S. Bank Smartly Visa Signature Card and a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location and are accurate for accounts opened on today's date; Monthly maintenance fee $5, waivable; Restrictions apply
Balance: Balances Through $249,999.99; Minimum opening deposit $10; No minimum balance
Headline featured APY; No Fees. No Minimums.; Annual Percentage Yield effective December 16, 2025 and subject to change
No Fees. No Minimums.; Headline APY, effective December 16, 2025, subject to change; Online Only
No Fees. No Minimums.; Linked to current checking account; APY effective December 16, 2025 and subject to change
Balance: up to $4,999.99
Balance: $5MM and over; Tiered rate account, minimum balance of $100,000 required to obtain the premium APY
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Perks Checking account; New money required
Balance: $5,000.00 to $2,000,000.99; Disclosure Link 2 of 3; Requires open Huntington Platinum Perks Checking account; New money required
Up to $250,000
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.
Orange Park, FL Savings Rate Trends
Compare local Orange Park, FL savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Florida high-yield savings rates rose 0.038 points over the past 7 days to 2.753% APY, up from 2.715%.
Florida standard savings rates rose 0.060 points over the past 7 days to 0.808% APY, up from 0.748%.
Orange Park, Florida Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current FL high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current FL high-yield savings average of 2.753% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Orange Park, Florida.
Savings Account Earnings in Orange Park, Florida
Annual interest earnings at current FL average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.753% APY) | Monthly Earnings | Standard Savings (0.808% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $137.64 / year | $11.47 | $40.39 / year | $3.37 |
| $10,000 | $275.27 / year | $22.94 | $80.79 / year | $6.73 |
| $25,000 | $688.18 / year | $57.35 | $201.98 / year | $16.83 |
| $50,000 | $1,376.35 / year | $114.70 | $403.95 / year | $33.66 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Orange Park, Florida savings rate averages as of October 14, 2026. | ||||
About Our Orange Park, Florida Savings Rate Database
MonitorBankRates found 6 institutions with branches in Orange Park (2 banks, 4 credit unions), plus 34 additional state-chartered and national online institutions available to Orange Park residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Wells Fargo offers a savings account at 3.25% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Orange Park, Florida.
How to Find the Best Savings Rates in Orange Park, Florida
What to compare when shopping for a savings account in Orange Park, Florida
To find the best savings APYs in Orange Park, Florida, start with credit unions and online-only banks: Orange Park, Florida has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current FL high-yield savings average is 2.753% but top local institutions are offering as high as 3.25%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Orange Park, Florida high-yield savings rates currently average 2.753% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Orange Park, Florida institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Orange Park, Florida report savings rates to our database.
- You’re among Orange Park, Florida’s 27.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Orange Park, Florida CD rates
- You want check-writing flexibility Orange Park, Florida money market rates
- You need daily transaction access Orange Park, Florida checking rates
Orange Park, Florida Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
27.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market. At today’s FL high-yield savings average of 2.753%, saving 10% of the local median salary ($4,120/year) would earn an additional $113 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Orange Park, Florida Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Orange Park, Florida.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current FL Avg APY | 2.753% | 0.808% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Orange Park, Florida averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Orange Park, Florida
At FL’s top rate of 3.25% from Wells Fargo, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Orange Park, Florida earner is roughly $10,300. At 2.753% APY, saving $860/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsFlorida’s high-yield savings average is 2.753% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Orange Park, Florida earner makes $41,207/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.753% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.753% APY grows to roughly $43,033 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orange Park, Florida savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Orange Park, 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 Orange Park, 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 Orange Park, Florida
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Orange Park, Florida safe?
How often do savings rates change in Orange Park, Florida?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Orange Park, Florida?
How do I open a savings account in Orange Park, Florida?
Best Savings Rates in Orange Park, Florida
- Wells Fargo
Platinum Savings: 3.25% APY - Community First Credit Union Of Florida
Youth Advantage Share Savings: 1.00% APY - Coastline Federal Credit Union
IRA Share Savings: 0.25% APY - First Florida Credit Union
Prime Share: 0.20% APY - RadiFi Credit Union
Holiday Savings: 0.10% APY
Orange Park, Florida Rates & Resources
