--- title: Best Banks and Credit Unions in Florida for 2025 description: Money looked at dozens of financial institutions to find the best banks and credit unions in Florida. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 132 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2024-10-08T15:06:55.000Z' modified: '2024-12-26T14:42:04.000Z' section: Banking tags: - Best - Best Banks 2024-2025 word_count: 734 canonical: https://money.com/best-banks-and-credit-unions-florida/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Banks and Credit Unions in Florida for 2025](https://img.money.com/2024/09/Best-Banks-2024-Ranking-States-FL.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/be3053def66b?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&bidid=4100607164&ptid=669417120&ptoken=77a2660fe0d5cb4379c0017aff70ded3&zip=20149) **Earn up to 3.10% APY\* & up to $50 or $400 with direct deposit\*** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.8 - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [View Rates](https://money.com/go/86f843b64271?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&bidid=4100607160&ptid=669417120&ptoken=33399206e4677557b523ef029474e86d&zip=20149) **Earn up to 3.65% APY\* on qualifying balances with a Barclays' Tiered Savings account** - $200 Bonus with qualifying activities. Terms Apply. - No monthly maintenance fees - Easy direct deposits & online transfers - Member FDIC \*Rate as of 6/24/2026 **\[AFFILIATE LINK: View Barclays Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/40232/medium_cfa5e5b0-4ccd-4dc6-814f-910bb4151eb3.webp) Our Partner [View Rates](https://money.com/go/f6c319d012dd?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&bidid=4100607167&ptid=669417120&ptoken=37fa1812c880fb29a2eaa326f3d7521c&zip=20149) **Earn 4.10% APY\* for 6 months with $5k min. balance** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. Enter promo code CITBOOST for APY bonus. Rate as of 07/01/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [View Rates](https://money.com/go/c05f17446f9b?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&bidid=4100607172&ptid=669417120&ptoken=5631ef617a29168648d30ba2e79dce9b&zip=20149) **Earn 3.80% APY\* with an Openbank High Yield Savings account** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. \*Rate as of 8/24/2026 **\[AFFILIATE LINK: View Openbank Offer\]** From its beaches to its amusement parks, it's easy to see why so many people flocked to Florida in the recent past. In fact, it's one of the fastest-growing states in the country; only South Carolina has had a higher growth rate. There are several top notch financial institutions within the state. To help you find the best ones, we researched their accounts, annual percentage yields (APYs) and fees. Here is our list of the best banks and credit unions in Florida for 2024-2025: - [**PNC**](#pnc) - Best Overall - [****Fifth Third Bank****](#fifththird) - Best for CDs - [****Regions****](#regions) - Best for Digital Banking - [****TD Bank****](#td) - Best for Low Fees - [****Truist****](#truist) - Best for Money Market Accounts \**Rates and APYs are subject to change. All information provided was accurate as of Oct. 8, 2024.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F) ## Best Overall: PNC ![](https://s3.consumersadvocate.org/prd/image/image/8109/large_334c78a9-8089-450d-af68-0348d02e39eb.png) [View Rates](https://money.com/pr/t9e8841d1b14?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&url=) [PNC](https://money.com/pr/yff9267a6af4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-florida%252F) operates over 180 locations in Florida, and it has a variety of account options available, including interest-bearing checking accounts and high-yield CDs. If you're a new PNC customer, you could be eligible for special promotional offers; if you meet certain deposit requirements, you could qualify for hundreds of dollars in bonuses. PNC's accounts do have monthly fees, so you may have to pay a fee if you don't qualify for service charge waivers. And, its APYs tend to be relatively low on savings accounts. **Pros** - Strong promotional offers - Extensive branch access - Interest-bearing checking options **Cons** - Monthly fees if you don't qualify for waivers - Lower-than-average APYs on savings accounts - You can only open CDs in person ## Best for CDs: Fifth Third Bank ![](https://s3.consumersadvocate.org/prd/image/image/25750/large_80dc1ff2-46f0-424f-99f7-7effe2657c86.png) [View Rates](https://money.com/pr/b8ac55d15a07?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&url=) If you're looking to grow your money, you can take advantage of [Fifth Third Bank](https://money.com/pr/b86e9281f6bb?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-florida%252F)'s promotional CD rates to earn a higher-than-average APY. Fifth Third Bank has several checking account options, including interest-bearing checking accounts, and the bank is highly-rated for customer satisfaction. In fact, J.D. Power awarded Fifth Third Bank the top spot in the U.S. Retail Banking Satisfaction Study for the state of Florida. However, it charges fees for money market and savings accounts. Additionally, though it offers APYs that are substantially higher than the national average for CDs, the higher rates only apply to select terms. **Pros** - Top-ranked for customer satisfaction - Multiple checking options - Higher-than-average APYs on certain CD terms **Cons** - Lackluster rates for savings accounts - Monthly fees for savings and money market accounts - Limited CD terms ## Best for Digital Banking: Regions ![](https://s3.consumersadvocate.org/prd/image/image/15559/large_9a9bd82e-3f32-4f32-a2fc-21f7c46d8cd1.webp) [View Rates](https://money.com/pr/x4a265894a81?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&url=) Although [Regions Bank](https://money.com/pr/a4a929ed87c2?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-florida%252F) operates several branches in Florida, it has some standout digital and mobile banking features. With Regions Offers, you can activate merchant offers through your online or mobile banking account and earn cash back on debit card purchases. Regions also offers its eAccess Account, a digital account with low fees for those who rarely need physical checks. Although Regions boasts higher-than-average rates on CDs, it has limited CD term options. And, most of its checking and savings accounts require monthly fees. **Pros** - Special offers for online or mobile banking - Low-cost digital checking account option available - Higher-than-average CD rates **Cons** - Limited CD terms - Most accounts have monthly fees ## Best for Low Fees: TD Bank ![](https://s3.consumersadvocate.org/prd/image/image/7479/large_48ed31d1-8eb0-49ba-b7de-0a306fc62580.png) [View Rates](https://money.com/pr/y9e16129c269?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&url=) Although [TD Bank](https://money.com/pr/xf337d1f1e90?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-florida%252F) charges monthly fees for its savings and checking accounts, it has several fee waiver opportunities that are more achievable than most banks offer. By maintaining a relatively low balance, completing a number of deposits or meeting age restrictions, you can qualify for a waiver of monthly fees. With some accounts, you can qualify for overdraft fee reversals and ATM fee refunds. TD Bank has an extensive branch and ATM network in the Sunshine State; it operates over 160 locations and over 250 ATMs within the state. Besides its account options with low fees, it also offers higher-than-usual rates on CDs, allowing you to lock in your APY. The best APYs require a TD Bank checking account, and the bank has fewer term options than other banks; the maximum CD term is just five years. **Pros** - Fee waivers available - Higher-than-average APY on CDs - Strong branch and ATM network in Florida **Cons** - Highest APYs require a TD Bank checking account - No personal money market accounts available - Limited CD terms ## Best for Money Market Accounts: Truist ![](https://s3.consumersadvocate.org/prd/image/image/19046/large_226e431f-3f30-4ff8-bf67-7c976007d503.png) [View Rates](https://money.com/pr/s581cb5f3694?ap_referrer=%2Fbest-banks-and-credit-unions-florida%2F&url=) [Truist](https://money.com/pr/p45bf59154c4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-florida%252F) operates over 200 physical branches in Florida, and it's an excellent choice if you want to open a CD. It has a relatively low minimum deposit requirement of $1,000, and you can earn an APY that is substantially higher than the national average. Unfortunately, Truist doesn't allow customers to open CDs online; you have to schedule an appointment with a banker. Truist has lower ratings for customer satisfaction; J.D. Power placed Truist in the last spot for Florida in the U.S. Retail Banking Satisfaction Study. **Pros** - Relatively low deposit minimum for CDs - Higher-than-average APYs on CDs - CDs count toward Truist relationship rewards **Cons** - You must make an appointment to open a CD - Less-than-stellar customer satisfaction ratings ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/bd3dee87a05c?bidid=4100607201&pmeta=p129-c561-u25621&ptid=669417123&ptoken=0df158ab10e2bef1eaac5402d2962cd2) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/9c443f931554?bidid=4100607199&pmeta=p129-c561-u25621&ptid=669417123&ptoken=c81c940eb10c4629dce20c0a7d504908) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/40232/medium_cfa5e5b0-4ccd-4dc6-814f-910bb4151eb3.webp) Our Partner [Sign Up](https://money.com/go/bd4802464b21?bidid=4100607203&pmeta=p129-c561-u25621&ptid=669417123&ptoken=8fdf438cc740d24129e43e64371fb771) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/94caeba06da6?bidid=4100607206&pmeta=p129-c561-u25621&ptid=669417123&ptoken=b0c936e1d8a4d9f2421f73ba8144ba9a) ## How we chose the Best Banks of 2024-2025 To determine our list of best banks for 2024-2025, Money evaluated hundreds of the largest retail banks, credit unions, regional and state banks and online banks ranked by assets. We then compared opening balance requirements, interest paid, fees and features to determine our top picks. To identify the best banks and credit unions in Florida for 2024, we evaluated their bank account options, deposit minimums, interest rates and fees. We also considered their digital banking tools, customer satisfaction ratings and branch and ATM networks. 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