Compare Bank & Credit Union Rates
Best savings rates in Montgomery, 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 Montgomery, AL
- 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 - 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 - 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 - 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 - 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 - MAX Credit UnionElevate Money Market AccountElevate Money Market Account · $50 min · 1.00%–5.00% by balance
Credit union · 7 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 - 2.52%APY$252 a year on $10,000
Requirements
Product: Designed for high balances. Pays dividends monthly. Pays a higher dividend for balances of $5,000 or more.
Offer: Monthly compounding on balances from $0 to $4,999.
1.50% interest rate
Rate by balance
Rate by balance for Super Saver Balance APY Up to $4,999 1.51% $5,000 and upYour amount 2.52% Rate checked
More details - 2.52%APY$252 a year on $10,000
Requirements
Product: High-balance savings account. Pays dividends monthly.
1.50% interest rate
Rate by balance
Rate by balance for Super Saver Balance APY Up to $4,999 1.51% $5,000 and upYour amount 2.52% 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 - Hope Credit UnionHOPE Rewards Saving Plus AccountsSavings · 1.01%–1.51% by balance
Credit union · 2 branches
1.01%APY$100 a year on $10,000Requirements
Product: Variable-rate account; rates may change after the account is opened. Rates apply when qualifications are met.
Offer: When qualifications are met.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for HOPE Rewards Saving Plus Accounts Balance APY Up to $10,000Your amount 1.01% $10,000 – $50,000 1.51% Over $50,000 1.51% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Requires at least 12 debit card purchases of minimum $5 each, enrollment in eStatements, and monthly Direct Deposit or ACH Transaction during each monthly qualification cycle to earn qualified rates. No monthly maintenance fees.
Offer: Qualified rate paid monthly on balances up to $50,000 when monthly qualifications on linked Kasasa Cash or Kasasa Cash Back checking are met.
Qualified rate · 1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for KASASA Saver Balance APY Up to $50,000Your amount 1.00% $50,001 and upQualified rate paid on portion of average daily balance over $50,000 when monthly qualifications are met, resulting in a blended APY. 0.25% Rate checked
More details - Alabama ONEMoney Market AccountsMoney Market Accounts · $1,000 min · 0.00%–2.78% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Variable Rate account. Rates may change after the account has been opened. $1,000 minimum to open Money Market Account (MMA) to obtain APY unless otherwise specified. Dividends compounded and paid monthly. 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. Balances between $1,000 and $500,000 qualify for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate per qualifying product up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). Accounts are reviewed the 15th of each month for eligibility. Balances $500,000 or greater do not qualify for relationship enhancement. $5 membership fee required.
Offer: Tier under $1,000.00.
0.00% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $1,000 0.00% $1,000 – $10,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; 1.00% $10,000 – $25,000Your amountQualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; 1.00% $25,000 – $100,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; 1.00% $100,000 – $250,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; 1.00% $250,000 – $500,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; 1.00% $500,000 and upDoes not qualify for relationship enhancement. 2.78% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. Qualifying requirements per monthly cycle: at least 12 debit card purchases (minimum $5 each), enrolled in eStatements, and monthly direct deposit or ACH transaction. No monthly maintenance fees.
Offer: When qualifications on linked Kasasa Cash or Kasasa Cash Back checking are met. Tier for balances up to $50,000.
Qualified rate · 1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,001 and up 0.25% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 3 branches
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
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 Montgomery, AL
52 accounts at 18 banks and credit unions · checked Oct 16–22
- Typical
- 0.18%
- Top 10% from
- 2.95%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.28%
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Montgomery, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Auburn University Credit UnionCredit union · 1 branch
- ASE Credit UnionCredit union · 6 branches
- Guardian Credit UnionCredit union · 11 branches