Bank · FDIC insured
Goldwater Bank Savings Rates
Top CarrotGoldwater Bank’s best savings rate is 4.00% APY on $10,000, with its HIGH YIELD SAVINGS PERSONAL. Rates checked October 22, 2026.
How Goldwater Bank’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where Goldwater Bank has the most branches. $10,000, best rate first.
This bank’s best
Goldwater Bank
4.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $400
HIGH YIELD SAVINGS PERSONAL
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
Goldwater Bank savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
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 Goldwater 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.
HIGH YIELD SAVINGS PERSONAL
4.00%APY
Interest rate and APY may change after account opening. Interest is calculated using the daily balance method and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to obtain APY is $0.01.Over $0 | 4.00% | $400 | Minimum balance to obtain APY is $0.01. |
Sources (1)
- goldwaterbank.com/rates · captured Oct 3, 2026
GB MONEY MARKET PERSONAL
3.00%APY
Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to obtain APY is $0.01.Over $0 | 3.00% | $300 | Minimum balance to obtain APY is $0.01. |
Sources (1)
- goldwaterbank.com/rates · captured Oct 3, 2026
MONEY MARKET PLUS PERSONAL
1.00%APY
Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Tier: Daily Balance of up to $99,999.99; minimum balance to obtain APY is $0.01. | 1.00% | $100 | Tier: Daily Balance of up to $99,999.99; minimum balance to obtain APY is $0.01. |
| $100,000 and upTier: Daily Balance of $100,000.00 and up; minimum balance to obtain APY is $0.01. | 1.10% | — | Tier: Daily Balance of $100,000.00 and up; minimum balance to obtain APY is $0.01. |
Sources (1)
- goldwaterbank.com/rates · captured Oct 3, 2026
Special-purpose accounts
GOLDWATER SAVINGS PERSONAL & BUSINESS
1.00%APY
Interest rate and APY may change after account opening. Interest is calculated using the daily balance method and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to obtain APY is $0.01.Over $0 | 1.00% | $100 | Minimum balance to obtain APY is $0.01. |
Sources (1)
- goldwaterbank.com/rates · captured Oct 3, 2026
YOUTH SAVINGS
1.00%APY
Interest rate and APY may change after account opening. Interest is calculated using the daily balance method and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to obtain APY is $0.01.Over $0 | 1.00% | $100 | Minimum balance to obtain APY is $0.01. |
Sources (1)
- goldwaterbank.com/rates · captured Oct 3, 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.