Highest Savings Rates in Mississippi
17 Mississippi-specific accounts
Top Mississippi Rate:3.15% APYFDIC or NCUA Insured
The Mississippi market
Mississippi accounts
17
Institutions
12
Top Mississippi APY
3.15% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
17 savings accounts are open only to Mississippi residents, from 12 institutions. The highest advertised APY among them is 3.15%.
The highest nationally available rate is 5.00% APY, 185 basis points above the Mississippi leader.
11 of the 17 Mississippi savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Mississippi-Specific Savings Accounts
These savings accounts are specifically available to Mississippi residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #2 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | First Federal Savings and Loan Association Essential Savings Up to3.15%APY Needs at least $250,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$265per yearEffective: 2.65% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #4 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #5 | The Hardin County Bank Kasasa Saver 1.50%APY On balances up to $150,000 · no rate stated above No min. balance for APY Observed: Oct 7, 2026 Show Details | +$150per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $100 | |
| #6 | Century Bank Kasasa Saver 0.50%APY On balances up to $15,000 · no rate stated above No min. balance for APY Observed: Oct 7, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $50 | |
| #7 | Citizens Bank & Trust Co. Regular Savings Account Up to1.00%APY Needs at least $50,000 Observed: Oct 7, 2026 Show Details | +$50per yearEffective: 0.50% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #8 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #10 | First Federal Savings and Loan Association First Catastrophe Savings 0.50%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #13 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #14 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #15 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #16 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #17 | First Federal Savings and Loan Association Passbook Savings 0.02%APY Min. balance: $20 Observed: Oct 7, 2026 Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
#1
PNC
PNC High Yield Savings
+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#2
Citibank
Citi Accelerate Savings
+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#3
First Federal Savings and Loan Association
Essential Savings
+$265
per year
3.15% APY
Oct 7, 2026
Needs at least $250,000
APY Range: 2.65% – 3.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30812) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#4
Gateway First Bank
Gateway High Yield Savings
+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#5
The Hardin County Bank
Kasasa Saver
+$150
per year
1.50% APY
Oct 7, 2026
On balances up to $150,000 · no rate stated above
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Requires a Kasasa Cash or Kasasa Cash Back checking account. The stated APY applies to balances up to $150,000. The portion of a balance above $150,000 earns a lower rate.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 20993) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#6
Century Bank
Kasasa Saver
+$50
per year
0.50% APY
Oct 7, 2026
On balances up to $15,000 · no rate stated above
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
A linked Kasasa Cash or Kasasa Cash Back checking account is required. The top rate applies to balances up to $15,000 in a month when the linked checking account meets its qualifications: 12 debit card purchases, one ACH debit or credit, e-statements, and a monthly online banking login. The portion above $15,000 earns a lower rate, and a month without the qualifications earns the base rate.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11448) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#7
Citizens Bank & Trust Co.
Regular Savings Account
+$50
per year
1.00% APY
Oct 7, 2026
Needs at least $50,000
APY Range: 0.50% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9777) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#8
Concordia Bank & Trust Company
Blue Chip Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $9.00 service charge applies each quarter if the ledger balance falls below $300.00 at any time during the quarter. The charge is not assessed for holders 18 or under, full-time students, or people 62 and over. A $3.00 charge applies to each withdrawal or transfer over 3 per quarter.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | Quarterly Service Charge $9.00 If at any time during the quarter the Ledger Balance falls below $300.00 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#9
Concordia Bank & Trust Company
Bank at School Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#10
First Federal Savings and Loan Association
First Catastrophe Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30812) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#11
Gateway First Bank
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#12
First Choice Bank
Regular Savings
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5006) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#13
First Horizon Bank
Traditional Savings
+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4977) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#14
First National Bank of Clarksdale
Regular Savings
+$20
per year
0.20% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19070) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Very StableNo rate changes in last 90 days
#15
BankPlus
Personal Savings
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Variable rate. The rate can change at any time.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 5903) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#16
First Federal Savings and Loan Association
Money Fund
+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30812) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#17
First Federal Savings and Loan Association
Passbook Savings
+$2
per year
0.02% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $20 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30812) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Mississippi.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |