Bank · FDIC insured
ACCESSbank Savings Rates
Top CarrotACCESSbank’s best savings rate is 0.30% APY on $10,000, with its ACCESS Savings. Rates checked October 22, 2026.
How ACCESSbank’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where ACCESSbank has the most branches. $10,000, best rate first.
This bank’s best
ACCESSbank
3.15%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $315
Total ACCESS
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $346
ACCESSbank savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.19%
- QualifiedQualified3.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ACCESSbank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Total ACCESS
Up to 3.15%APY
Tiered based on if Total ACCESS requirements are met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000if requirements are met (Tier 1). | 3.15% | $315 | if requirements are met (Tier 1). |
| Any balanceif requirements are not met (All Balances). | 0.00% | $0 | if requirements are not met (All Balances). |
| $25,000 and upif requirements are met (Tier 2). | 0.25% | — | if requirements are met (Tier 2). |
Sources (1)
- accessbank.com/for-you/accounts/interest-rates · captured Oct 5, 2026
ACCESS Money Market
1.00%APY on $10,000
Only the portion of the account balance within each rate tier earns interest at the rate applicable to that tier. Rates subject to change.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 1.00% |
| $25,000 – $100,000 | 1.24% |
| $100,000 – $250,000 | 1.34% |
| $250,000 – $500,000 | 1.49% |
| $500,000 – $1,000,000 | 1.74% |
| $1,000,000 and up | 2.03% |
On $10,000 the tiers blend to about 1.00% APY, earning $100 a year.
Sources (1)
- accessbank.com/for-you/accounts/interest-rates · captured Oct 5, 2026
ACCESS Savings
0.30%APY
Earns interest when the balance exceeds $1,000. Maximum of 6 free withdrawals per month; each additional transaction is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is paid quarterly. Earns interest when balance exceeds $1,000.Any balance | 0.30% | $30 | Interest is paid quarterly. Earns interest when balance exceeds $1,000. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
0.30%APY
Tiered interest rate; no interest paid when balance falls below $1,000. No setup fee or monthly service charge. Free debit card and first order of personalized checks.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000No interest paid when balance falls below $1,000. Interest paid monthly. | 0.00% | — | No interest paid when balance falls below $1,000. Interest paid monthly. |
| $1,000 – $5,000Interest paid monthly. | 0.25% | — | Interest paid monthly. |
| $5,000 and upInterest paid monthly. | 0.30% | $30 | Interest paid monthly. |
Sources (2)
- accessbank.com/for-you/accounts/health-savings-account
- accessbank.com/for-you/accounts/interest-rates
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.