Compare Bank & Credit Union Rates
Best savings rates in Gulf Shores, AL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Baldwin County, AL · Showing Baldwin County, AL: too few institutions in Gulf Shores, AL
- 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Rewards and qualifying interest require meeting monthly qualification cycle requirements on the checking account (12 debit card transactions, online banking enrollment with at least 1 login per month, eStatements, and an ACH debit or credit).
Offer: Applies to balances up to $15,000 when qualifications are met on linked Kasasa checking account.
Qualified rate · 0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa® Saver Balance APY Up to $15,000Your amount 0.50% $15,000 and up 0.25%* Rate checked
More details - Gulf Coast Bank & TrustBest Money MarketBest Money Market · $20 min · 0.40%–3.38% by balance
Bank · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: A minimum deposit of $20 is required to open account. $10.00 monthly service cycle charge waived if average month-to-date balance is $5,000 or average month-to-date balance is $25,000 or greater in qualifying deposits. Paper statement fee of $4.85 applies unless enrolled in eStatements or meeting balance requirements.
Offer: Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits.
0.40% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Best Money Market Balance APY Up to $100,000Your amount 0.40% $100,000 – $250,000 0.60% $250,000 – $1,000,000Initial rate determined by initial deposit tier; rate tier changes may affect yield. 0.75% $1,000,000 – $1,500,000 3.03% $1,500,000 and up 3.38% Rate checked
More details - Navigator Credit UnionPremium Savings Money MarketPremium Savings Money Market · $2,500 min · 0.40%–0.70% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Subject to membership requirements. Fees could reduce earnings.
0.40% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Premium Savings Money Market Balance APY $2,500 – $10,000Your amount 0.40% $10,000 – $25,000 0.45% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% Over $100,000 0.70% 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 - 0.35%APY$35 a year on $10,000
Requirements
Product: Membership begins with a $5 deposit to maintain share. Dividends on Regular Share/Savings are compounded and paid quarterly.
Offer: Average Daily Balance $50 - $9,999.99. Dividends compounded and paid quarterly.
0.35% interest rate · Effective Sep 1, 2026
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 - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance of $25 required to have any other account. Minimum Average Daily Balance of $100 required to receive dividends.
Offer: Minimum Average Daily Balance of $100 required to receive dividends. Minimum balance of $25 required to have any other account.
Effective Sep 27, 2023
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250; otherwise a $5 quarterly service charge is applied.
Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Allows separating funds from regular share savings account for specific purposes.
Offer: Quarterly Dividend Compounded
0.25% interest rate · Effective Mar 31, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishing membership with Alabama Credit Union. Electronic or automatic withdrawals and transfers are limited to six per month. Dividends calculated on daily balances, credited and compounded quarterly.
Offer: Quarterly Dividend Compounded
0.25% interest rate · Compounded quarterly · Effective Mar 31, 2026
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 - New Horizons Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.45% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Must join/be a member of New Horizons Credit Union. Variable rates subject to change monthly. Fees may reduce earnings. Low balance fees and other conditions per Truth-In-Savings Disclosure. Minimum to open is $2,500.00. A maximum of three transfers may be by check, draft, or similar order payable to a third party.
Offer: Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.30% $50,000 – $99,999 0.40% $100,000 and up 0.45% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: No monthly service charge. $4.85 quarterly paper statement fee waived if average quarter to date balance is $5,000 or greater, OR average quarter to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements. Primary account holder must maintain an active internet banking account and current, active email address.
Offer: Earns interest on entire balance. Interest compounded and credited quarterly. Variable rate.
0.20% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $100,000Your amount 0.20% $100,000 – $250,000 0.20% $250,000 and up 0.50% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Subject to membership requirements. No minimum balance, no monthly maintenance fee. Individual or joint accounts. Minimum deposit of $5 required for Regular Share membership.
0.15% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% 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 Baldwin County, AL
59 accounts at 22 banks and credit unions · checked Oct 5–22
- Typical
- 0.15%
- Top 10% from
- 1.19%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.40%
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Find your bank or credit union to see all its rates and how they compare near you.
Daphne, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 9 branches
- All In Credit UnionCredit union · 1 branch
- PenAir Credit UnionCredit union · 3 branches