Brian McKay
The best savings rates for Avalon, Mississippi and the surrounding area include FsnbFsnbA+5.0 ★Texas Ratio: 4.31%Real return: +4.20%APY minus 2.8% CPI (February 2026) Cents-able Savings at 7.00% APY, All In Credit UnionAll In Credit UnionA5.0 ★Texas Ratio: 11.40%Real return: +0.82%APY minus 2.8% CPI (February 2026) PFA Savings Rate - $150,000+ at 3.62% APY, Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 5.35%Real return: +0.45%APY minus 2.8% CPI (February 2026) Checking & Savings at 3.25% APY, First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MSA+5.0 ★Texas Ratio: 3.51%Real return: +0.35%APY minus 2.8% CPI (February 2026) Essential Savings at 3.15% APY, and Chevron Federal Credit UnionChevron Federal Credit UnionA+5.0 ★Texas Ratio: 2.15%Real return: +0.30%APY minus 2.8% CPI (February 2026) Money Market Savings at 3.10% APY.
Avalon is a smaller community with no bank or credit union branches currently in our database. 53 institutions serving the Mississippi area are available to Avalon residents, with savings rates as high as 7.00% APY from Fsnb. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Avalon, Mississippi and the surrounding area. Last Updated and Verified: September 14, 2026
Account eligibility is meeting with an All In Credit Union Preferred Financial Advisor.
Minimum: $0 - New Deposits Only
On balances of $25,000+
On balances above $25,000 and up to $50,000
On balances up to $25,000
Tier 2 - $50,000 - $99,999
Dividends Compounded and Credited: Quarterly; Dividends Period: Quarter
Balances $50,000.00 or more
Dividends Compounded and Credited: Quarterly; Dividends Period: Quarter
Account eligibility is meeting with an All In Credit Union Preferred Financial Advisor.
Balances $5,000.00 to $49,999.99
Tier 1 - $0.00 - $49,999
The interest rate is variable and may change after the account is opened.
Interest rate is variable and may change after the account is opened. Fees could reduce earnings on the account.
Balances less than $5,000.00
The interest rate is variable and may change after the account is opened.
Compare local Avalon, MS 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.
Mississippi high-yield savings rates fell 0.121 points over the past 7 days to 1.858% APY, down from 1.980%.
Mississippi standard savings rates fell 0.013 points over the past 7 days to 0.801% APY, down from 0.814%.
Savings rates move with Federal Reserve policy. Our model uses the current MS high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 MS high-yield savings average of 1.858% 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 60–90 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 Avalon, Mississippi.
Annual interest earnings at current MS average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.858% APY) | Monthly Earnings | Standard Savings (0.801% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $92.92 / year | $7.74 | $40.04 / year | $3.34 |
| $10,000 | $185.84 / year | $15.49 | $80.08 / year | $6.67 |
| $25,000 | $464.60 / year | $38.72 | $200.20 / year | $16.68 |
| $50,000 | $929.20 / year | $77.43 | $400.40 / year | $33.37 |
| 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: Avalon, Mississippi savings rate averages as of September 16, 2026. | ||||
MonitorBankRates tracks savings rate offers from 22 banks and credit unions available to Avalon, Mississippi residents via statewide and national offers. No branch locations physically in Avalon are currently in our database, but all listed offers are open to Avalon depositors. 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 (1–5), 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: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Avalon, Mississippi.
What to compare when shopping for a savings account in Avalon, Mississippi
To find the best savings APYs in Avalon, Mississippi, start with credit unions and online-only banks: Avalon, Mississippi has 14 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 MS high-yield savings average is 1.858% but top local institutions are offering as high as 7.00%, 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.
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s MS high-yield savings average of 1.858%, saving 10% of the local median salary ($3,735/year) would earn an additional $69 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Avalon, Mississippi.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MS Avg APY | 1.858% | 0.801% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 Avalon, Mississippi averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
At MS’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Avalon, Mississippi earner is roughly $9,300. At 1.858% APY, saving $780/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMississippi’s high-yield savings average is 1.858% 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 Avalon, Mississippi earner makes $37,351/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.858% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.858% APY grows to roughly $36,131 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Avalon, Mississippi 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 Avalon, Mississippi 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 Avalon, Mississippi. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MS.
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.