Cleveland, Mississippi (MS) Savings Rates - April 2026
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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 Cleveland, Mississippi and the surrounding area include Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS 38732 2106A5.0 ★Texas Ratio: 7.73% SafeGuard Savings, Municipal at 3.00% APY, Statewide Federal Credit UnionStatewide Federal Credit Union809 W Sunflower Rd, Cleveland, MS 38732 2549A+5.0 ★Texas Ratio: 3.63% High Yield Savings at 3.00% APY, BankPlusBankPlus100 Sunflower Road, Cleveland, MS 38732A+5.0 ★Texas Ratio: 2.28% Personal Savings at 0.05% APY, Chevron Federal Credit UnionChevron Federal Credit Union250 Industrial Rd, Pascagoula, MS 39581A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, and FsnbFsnb7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Cleveland, Mississippi, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Cleveland, Mississippi (MS) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Cleveland, Mississippi and the surrounding area. Last Updated and Verified: April 4, 2026
Compare the Best Savings Rates in Cleveland, Mississippi & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High Yield Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High-Yield Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Rainy Day Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On balances above $25,000 and up to $50,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
SafeGuard Savings, Business
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Rainy Day Savings
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On balances up to $25,000
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High-Yield Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High Yield Savings
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
IRA Shares
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
Regular Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High-Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
809 W Sunflower Rd, Cleveland, MS 38732 2549
High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 Sunflower Road, Cleveland, MS 38732
Personal Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Regular Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Rainy Day Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On remainder over $50,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS 38732 2106
Holiday Club Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS 39581
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Cents-able Savings
7.00%
$5
▼
Rate7.00%
Min Deposit$5
Min Balance—
UpdatedApr 3, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
3.25%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details
Earn a higher yield on your savings with no minimum balance.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS 39213 8202
High-Yield Savings
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Air Force Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
1908 Highway 45 N, Columbus, MS 39705
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS 39201 5506
Credit Builder Savings Plan
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS 38606
IRA Savings
2.75%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($0 Opening Balance)
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
Essential Savings
2.75%
$25
▼
Rate2.72%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Bank of Holly Springs
Institution Rating:
A5.0 ★Texas Ratio: 9.54%
114 S Memphis St, Holly Springs, MS 38635
REGULAR SAVINGS
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
602 S Main St, Poplarville, MS 39470
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1968 6th St N, Columbus, MS 39701
Shares
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1506 Congress St, Laurel, MS 39440 4239
Holiday Club Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifying balance up to $1,500.00
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
IRA Share
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
All Balances
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS 38804 9513
Money Market Savings
0.80%
$2,500
▼
Rate0.80%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details
$100,000+
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS 39208 5917
IRA Savings
0.75%
$100,000
▼
Rate0.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS 39232 8861
IRA Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS 39232 8861
Regular Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
250 Industrial Rd, Pascagoula, MS 39581
Primary Share Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
CM Members Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
1968 6th St N, Columbus, MS 39701
Shares
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3870 Keith St Nw, Cleveland, TN 37312
TotalView Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier Three
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
175 Hopper Ave, De Kalb, MS 39328
Savings
0.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3870 Keith St Nw, Cleveland, TN 37312
TotalView Money Market Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier Two
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3870 Keith St Nw, Cleveland, TN 37312
TotalView Money Market Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Citizens Bank & Trust Co. MS
Institution Rating:
C+4.1 ★Texas Ratio: 25.28%
239 E Main St, Marks, MS 38646
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
903 Jackson Ave, Pascagoula, MS 39567
First Catastrophe Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
147 Highway 82 E, Indianola, MS 38751
Make Cents Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
CB matches 5% of rounded-up savings quarterly
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654
Savings Tier One
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
313 Lafayette Ave, Leakesville, MS 39451
Kasasa Saver Savings
0.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details
Qualifications Required: Linked to free Kasasa Cash or Cash Back account (required for this account); Automatic transfers of Kasasa rewards; Qualifying balance up to $20,000.00
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3870 Keith St Nw, Cleveland, TN 37312
Traditional Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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MonitorBankRates
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Cleveland, 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 Cleveland, 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.
Frequently Asked Questions about Savings Accounts in Cleveland, Mississippi
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 Mississippi, help your money grow faster through a higher APY.
Are savings accounts in Cleveland, Mississippi 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 Mississippi up to $250,000 per depositor, per institution.
How often do savings rates change in Cleveland, Mississippi?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Mississippi 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 Cleveland, Mississippi 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 Cleveland, Mississippi?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Cleveland, Mississippi offer in-person customer service, which some customers prefer.
How do I open a savings account in Cleveland, Mississippi?
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 Cleveland, Mississippi
Here are recent savings rates observed in Cleveland, Mississippi and the surrounding area:
- Baxter Credit Union
SafeGuard Savings, Municipal — 3.00% APY - Statewide Federal Credit Union
High Yield Savings — 3.00% APY - BankPlus
Personal Savings — 0.05% APY - Chevron Federal Credit Union
MySavings Youth — 7.00% APY - Fsnb
Cents-able Savings — 7.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cleveland, Mississippi. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026
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