Compare Bank & Credit Union Rates
Best savings rates in Alabama
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Alabama
- 5.12%APY$512 a year on $10,000
5.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Requires opening an Ultimate Checking account and meeting monthly account requirements to earn dividends. 2 withdrawals per month; additional withdrawals may incur a fee. No monthly service fees. $10 minimum deposit required when opened online.
Offer: Requires $10,000 average daily balance and meeting Ultimate Checking monthly objectives to earn dividends. Dividends paid monthly.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - SouthPoint BankPlatinum Point Money MarketPlatinum Point Money Market · $10,000 min
Bank · 11 branches
4.00%APY$400 a year on $10,000Requirements
Product: Requires $10,000 minimum opening deposit in funds not currently on deposit at SouthPoint Bank. No monthly service fee with $10,000 average monthly balance. Variable rate subject to change.
Offer: Requires minimum opening deposit of $10,000 in funds not currently on deposit at SouthPoint Bank. Variable rate subject to change. No monthly service fee with $10,000 average monthly balance; fees may reduce earnings if balance falls below $10,000.
Effective Sep 8, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.
Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.
Promotional rate · 3.92% interest rate · $10 monthly fee · Effective Jun 30, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: A High-Yield Checking or Cash Back Checking account is required to have a High-Yield savings account. Limit of one account per member. No monthly maintenance fee, no minimum deposit to open, and no minimum balance required to earn rewards. Qualifying for linked High-Yield or Cash Back Checking rewards requires at least 15 debit card transactions, at least 1 direct deposit or ACH payment transaction, and enrollment in e-statements during each Monthly Qualification Cycle.
Offer: Requires linked High-Yield Checking or Cash Back Checking account qualifications met during Monthly Qualification Cycle (15+ debit card transactions, 1+ direct deposit/ACH, and enrolled in e-statements).
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - Avadian Credit UnionHigh-Yield SavingsSavings · $0 min · 0.25%–3.50% by balance
Credit union · 19 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Limit one High-Yield Savings account per Primary member. Must be enrolled in e-Statements and have an Avadian checking account with monthly direct deposits of at least $500 to receive promotional rate; otherwise 0.25% APY applies to all balance ranges.
Offer: Promotional rate requires enrollment in e-Statements and monthly direct deposits of at least $500 to an Avadian checking account. Otherwise 0.25% APY applies.
Qualified rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 3.50% Over $25,000 0.25% Rate checked
More details - 3.40%APY$340 a year on $10,000with conditions
Requirements
Product: Must be paired with an active FirstBank CD with a term of 6 months or greater.
Offer: Earn 3.40% APY on balances up to $50,000 when paired with an active FirstBank CD with a term of 6 months or greater. $5 monthly service charge if balance falls below $50 at any given time (or any day of the statement cycle). Interest credited on balances of $0.01 and above.
Qualified rate · Balance cap $50,000 · $5 monthly fee
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 52 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: Daily balance of $2,500 required; account has checkbook feature.
Offer: Daily balance required: $2,500 to $9,999.99.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Navigator Credit UnionPrime Money MarketPrime Money Market · $0 min · 0.15%–3.25% by balance
Credit union · 4 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Subject to membership requirements. New money required; source of funds deposited into Prime Money Market may not be from an existing Navigator Credit Union account. To earn disclosed APY on tier $10,000 & above, must maintain an average daily balance at least equal to $10,000 and direct deposit aggregate of at least $500 each month into any Navigator Credit Union savings, money market, or checking accounts on the same account number. If eligibility requirements are not met, earns 0.15% APY. Fees may reduce earnings.
Offer: Earned for balances under $10,000 or if eligibility requirements are not met during any month.
Qualified rate · 0.15% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $10,000 0.15% $10,000 and upYour amountVariable rate based on Wall Street Journal U.S. Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. 3.25% Rate checked
More details - Keesler Federal Credit UnionHIMMA Premier High Interest Money Market AccountHIMMA Premier High Interest Money Market Account · $0 min
Credit union · 2 branches
3.25%APY$325 a year on $10,000intro rateRequirements
Product: Rate available on new deposits only. Account can be opened online, by phone, or in branch. At the end of six months, balance can be rolled into a regular HIMMA account, share/checking account, or certificate. Limit 6 pre-authorized withdrawals per month.
Offer: New deposits only. Rate applies for the first 6 months.
Promotional rate · 3.20% interest rate
Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 52 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Coosa Pines Federal Credit UnionMoney Market Share AccountMoney Market Share Account · $2,500 min
Credit union · 5 branches
3.00%APY$300 a year on $10,000Requirements
Product: Requires a $2,500.00 minimum opening deposit. Account remains active/open with as little as $5.00 on deposit. Dividends are declared on the first of each month, calculated based on average daily balance, and paid monthly. Up to 3 free withdrawals or transfers monthly; exceeding 3 per month incurs a $10.00 fee per transaction.
Offer: Tier First ($0.00 - $2,499.00).
Effective Oct 4, 2026
Rate checked
More details - MAX Credit UnionElevate Money Market AccountElevate Money Market Account · $50 min · 1.00%–5.00% by balance
Credit union · 16 branches
3.00%APY$300 a year on $10,000Requirements
Product: Age restrictions apply. Subject to eligibility requirements.
Offer: Dividends paid monthly. No minimum monthly balance required. Reverse money market tier.
No monthly fee
Rate by balance
Rate by balance for Elevate Money Market Account Balance APY Up to $2,500 5.00% $2,500 – $5,000 4.00% $5,000 – $15,000Your amount 3.00% Over $15,000 1.00% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Alabama
266 accounts at 101 banks and credit unions · checked Oct 15–22
- Typical
- 0.25%
- Top 10% from
- 1.88%
- Banks, typical
- 0.13%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Alabama
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 3 branches
- ASE Credit UnionCredit union · 9 branches
- AOD Federal Credit UnionCredit union · 6 branches