Bank · FDIC insured
Ally Bank Savings Rates
Top CarrotAlly Bank’s best savings rate is 3.10% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Ally Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Ally Bank
3.10%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $310
Money Market Account
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Ally Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.10%
- $10,000 balance$10,0003.10%
- $100,000 balance$100,0003.10%
- QualifiedQualified3.10%
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 Ally Bank 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.
Money Market Account
3.10%APY
Rates are variable and subject to change. Unlimited ATM withdrawals and deposits; up to 10 limited withdrawals/transfers per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to open or earn APY. Interest compounded daily. Rates are variable and may change after account opening. Stated APY applies across all balance tiers.Any balance | 3.10% | $310 | No minimum balance required to open or earn APY. Interest compounded daily. Rates are variable and may change after account opening. Stated APY applies across all balance tiers. |
Sources (4)
- ally.com/bank
- ally.com/bank/money-market-account
- ally.com/bank/savings-account-rates
- ally.com/bank/view-rates
All captured Oct 4, 2026
Savings Account
3.10%APY
Variable rate. Limit of 10 withdrawals/transfers per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Variable APY applies across balance tier less than $5,000. | 3.10% | — | Variable APY applies across balance tier less than $5,000. |
| $5,000 – $25,000Variable APY applies across balance tier between $5,000 and $24,999.99. | 3.10% | $310 | Variable APY applies across balance tier between $5,000 and $24,999.99. |
| $25,000 and upVariable APY applies across balance tier $25,000 or more. | 3.10% | — | Variable APY applies across balance tier $25,000 or more. |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
IRA Savings Account
3.10%APY
Available as Traditional, Roth, or SEP IRA. Variable rate. Limit of 10 withdrawals/transfers per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Variable APY applies across balance tier less than $5,000. | 3.10% | — | Variable APY applies across balance tier less than $5,000. |
| $5,000 – $25,000Variable APY applies across balance tier between $5,000 and $24,999.99. | 3.10% | $310 | Variable APY applies across balance tier between $5,000 and $24,999.99. |
| $25,000 and upVariable APY applies across balance tier $25,000 or more. | 3.10% | — | Variable APY applies across balance tier $25,000 or more. |
Sources (3)
All captured Oct 4, 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.