Compare Bank & Credit Union Rates
Best savings rates in Gardendale, 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 Gardendale, AL
- 4.00%APY$400 a year on $10,000
Requirements
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 - Avadian Credit UnionHigh-Yield SavingsSavings · $0 min · 0.25%–3.50% by balance
Credit union · 1 branch
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
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 - Southern Energy Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 2.25%–3.25% by balance
Credit union · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Requires Southern Energy membership. Minimum average daily balance of $10,000 required to earn interest and avoid monthly Minimum Balance Fee. Interest computed on average daily balance and compounded monthly.
Offer: Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $100,000Your amount 2.25% $100,000 – $250,000 2.75% $250,000 – $500,000 2.85% $500,000 – $1,000,000 3.00% $1,000,000 and up 3.25% Rate checked
More details - 2.02%APY$202 a year on $10,000
Requirements
Product: Minimum opening deposit of $1,000.00. Must maintain a minimum average daily balance of $1,000.00 to obtain disclosed APY. Interest compounded and credited monthly. Transaction limitations of up to 6 withdrawals or transfers per month (maximum 3 by check, draft, or debit card). Minimum deposit of $100.00 per deposit.
Offer: Must maintain a minimum average daily balance of $1,000.00 to obtain disclosed APY. Minimum opening deposit $1,000.00. Transaction limit of 6 withdrawals/transfers per monthly statement period (maximum 3 by check). Minimum deposit $100.00.
Rate checked
More details - Family Security Credit UnionDaily Action Savings AccountSavings · $0 min · 0.00%–2.12% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: No monthly service fee. Unlimited in-branch transactions; up to 6 preauthorized or check withdrawals per month. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Daily Action Savings Account Balance APY Up to $2,000 0.00% $2,000 – $5,000 1.51% $5,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.81% $100,000 and up 2.12% Rate checked
More details - AmFirstAmFirst Money Market AccountAmFirst Money Market Account · $0 min · 1.00%–2.35% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. The dividend rate and APY depend upon the tier into which the ending balance falls each day.
No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for AmFirst Money Market Account Balance APY Up to $9,999 1.00% $10,000 – $24,999Your amount 1.10% $25,000 – $49,999 1.15% $50,000 – $99,999 1.40% $100,000 and up 2.35% Rate checked
More details - Avadian Credit UnionPremium Money Market AccountPremium Money Market Account · $10,000 min · 0.30%–2.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Requires a savings account to establish credit union membership.
Offer: Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
Effective Oct 30, 2025
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 2.50% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.50% $1,000,000 and up 2.50% 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 - 0.75%APY$75 a year on $10,000
Requirements
Product: A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.
Offer: A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.
Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Requires a savings account to establish credit union membership.
Offer: Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
Effective Oct 30, 2025
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Core savings account received with membership. Paid monthly. Member voting rights.
0.40% interest rate
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Establishes AmFirst credit union membership ($5.00 share purchase required to open). $5.00 par value fee if daily balance falls below $5.00 minimum. Dividends compounded and credited quarterly on average daily balances over $100.
Offer: Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase.
Effective Sep 18, 2026
Rate by balance
Rate by balance for Savings (Share Account) Balance APY $100 – $9,999 0.25% $10,000 – $39,999Your amount 0.30% $40,000 – $74,999 0.40% $75,000 and up 0.50% 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
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 Gardendale, AL
34 accounts at 11 banks and credit unions · checked Oct 5–22
- Typical
- 0.15%
- Top 10% from
- 2.88%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.75%
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Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches