Compare Bank & Credit Union Rates
Best savings rates in Gadsden, AL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Gadsden, AL
- Family Savings Credit UnionMoney Market AccountMoney Market Account · 0.00%–2.75% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Must meet Field of Membership requirements. You must keep the $5.00 par value of a regular share in FSCU to maintain this account. There is no minimum balance that must be kept in the Money Market Share Account, but no dividends are earned on average daily balances of $499.99 or less. No monthly service fees. Money Market Excessive withdrawal fee assessed if more than 6 withdrawals clear in a month. Member accounts insured up to $1,000,000 ($250,000 NCUA, $750,000 ESI).
Offer: No dividends are earned on average daily balances of $499.99 or less.
No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $500 0.00% $500 – $10,000 1.50% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 and up 2.75% Rate checked
More details - WinSouth Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.50%–2.75% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000intro rateRequirements
Product: In honor of the 75th anniversary, members with an active direct deposit—or who bring their direct deposit—receive an additional 0.75% added to current Money Market rates for a limited time.
Promotional rate
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $4,999 1.50% $5,000 – $9,999 1.50% $10,000 – $14,999Your amount 2.00% $15,000 – $49,999 2.50% $50,000 – $99,999 2.75% $100,000 – $199,999 2.75% $200,000 and up 2.75% Rate checked
More details - Family Savings Credit UnionNGAGE Saving AccountSavings · $5 min · 0.70%–1.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Only available to members with a linked NGAGE Checking/Spending account. Limit 1 account per Social Security Number. Enrollment in eDocuments required; without eDocuments, FSCU reserves the right to convert the account to a Master Share Account. No monthly account maintenance charge.
Offer: Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account (12 debit card/credit card transactions, 1 ACH deposit/payment, and eDocuments enrollment).
Qualified rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for NGAGE Saving Account Balance APY Up to $25,000Your amount 1.50% Over $25,000Requires meeting monthly qualification requirements in linked NGAGE Checking/Spending account. lower blended APY for balances over $125,000). 0.70% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Emblem Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.35%–3.25% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. 6 free withdrawals or transfers per month (no more than 3 by check); $10 per transaction in excess thereafter. Compounded monthly.
Offer: Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly.
0.35% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $50,000Your amount 0.35% $50,000 – $250,000 2.00% $250,000 – $500,000 2.50% $500,000 and up 3.25% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Establishes membership with the credit union. Access account with free digital banking services. Dividends calculated on average daily balance, paid monthly.
Offer: Minimum balance to earn APY is $100.00 or more.
0.20% interest rate
Rate checked
More details - Family Savings Credit UnionMaster Share AccountSavings · $2,000 min · 0.20%–0.30% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Must maintain the $5.00 par value of a regular share. No monthly service fee with enrollment in eDocuments; may be subject to a $3 per month account maintenance fee without eDocuments.
Effective Sep 21, 2026
Rate by balance
Rate by balance for Master Share Account Balance APY $2,000 – $10,000Your amount 0.20% Over $10,000 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Six debit transactions per monthly statement cycle with no fee ($10.00 per item charge for additional debits over six). Prime Interest compounded monthly and paid monthly. Currently, US Prime is 7.00%.
Offer: Tier 1: If average daily balance is $34,999.99 or less, interest rate paid on entire balance is Exchange Savings Rate of 0.10% with APY of 0.10%. $25.00 service charge if average daily balance falls below $2,500.00.
0.10% interest rate · Compounded monthly · Effective Sep 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Free savings that grants membership to WinSouth CU. Requires $25 minimum balance to maintain lifetime membership.
No monthly fee
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% 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 Gadsden, AL
22 accounts at 7 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.10%
- Top 10% from
- 1.45%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.23%
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Gadsden, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Family Savings Credit UnionCredit union · 2 branches
- WinSouth Credit UnionCredit union · 3 branches
- Emblem Credit UnionCredit union · 1 branch