Compare Bank & Credit Union Rates
Best savings rates in Muscle Shoals, 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 Muscle Shoals, AL
- 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number. Not for commercial purposes.
Offer: When qualifications are met in linked Kasasa Cash or Kasasa Cash Back account (at least 15 debit card purchases, at least 1 ACH credit or ACH payment, and enrolled in eStatements during Monthly Qualification Cycle).
Qualified rate · No monthly fee · Effective Apr 8, 2024
Rate by balance
Rate by balance for Free Kasasa Saver® Balance APY Up to $100,000Your amount 2.00% Over $100,000 0.50% Rate checked
More details - Listerhill Credit UnionMoney Market AccountMoney Market Account · $5 min · 1.35%–2.10% by balance
Credit union · 1 branch
1.55%APY$155 a year on $10,000Requirements
Product: Membership eligibility required (residents of AL, GA, MS, FL, or TN, approved association, or family of a member; $5 membership fee). Money Market Account balances below $2,500 are subject to a low-balance fee. No limit on in-branch or ATM withdrawals.
Offer: Variable rate account; rates may change after account opening. Balances below $2,500 subject to a low-balance fee.
1.34% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 1.35% $10,000 – $50,000Your amount 1.55% $50,000 – $100,000 1.95% $100,000 and up 2.10% 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 - 0.60%APY$60 a year on $10,000
Requirements
Offer: Requires a minimum balance of $2,500 to earn dividends.
0.60% interest rate · Effective Aug 7, 2023
Rate checked
More details - Alabama Central CUMoney Market AccountMoney Market Account · $2,500 min · 0.50%–0.80% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Opening minimum deposit of $2,500. Start earning dividends with a minimum balance of $2,500, with earnings compounded and credited monthly.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 – $49,999Your amount 0.60% $50,000 – $99,999 0.70% $100,000 and up 0.80% 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 - 0.25%APY$25 a year on $10,000
Rate checked
More details - 0.25%APY$25 a year on $10,000
Rate checked
More details - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: Secondary savings account tied to primary Share Savings Account to help save for specific goals with custom nicknames.
Qualified rate · 0.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Establishes membership in Listerhill Credit Union ($5 share). Monthly maintenance fee of $5 waived if under 25, account < 90 days old, member/household has a Listerhill loan/mortgage, or opened credit card / started relationship with Listerhill Investment Services within last 12 months.
Offer: Accurate as of last dividend declaration date. Dividends calculated/compounded quarterly. $5 monthly maintenance fee waived with qualifying age, account age, or loan/card/investment relationship.
0.20% interest rate · Compounded quarterly · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Both Regular Share and Daily Share Accounts available. Establishes membership with Alabama Central.
Offer: Earn dividends on daily balance of $100 or more; compounded and credited monthly. 6 free withdrawals per month, $2 fee for withdrawals in excess thereafter.
0.10% interest rate
Rate by balance
Rate by balance for Regular Savings Balance APY $100 – $2,500 0.10% Over $2,500Your amountDaily Share Account. 6 free withdrawals per month, $2 fee for excess withdrawals. 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: To maintain membership, members must own a minimum of one share ($25 in a share account). Dividends accrue on account balances of $100 or more and are declared at the end of each quarter. Unlimited in-branch or PIN-based ATM withdrawals; limit of 6 withdrawals per month for ACH, telephone, or electronic transfers.
Offer: Dividends accrue on balances of $100 or more. Minimum $100. Minimum deposit of $25 required to maintain membership.
Rate checked
More details - Bank IndependentIndependent Money MarketIndependent Money Market · $1 min · 0.11%–0.25% by balance
Bank · 1 branch
0.13%APY$13 a year on $10,000Requirements
Product: Open with as little as $1. Monthly fee of $15 waived with a minimum $2,500 balance or at least one transfer from another Bank Independent account per month.
Offer: Avoid a $15 monthly fee with a minimum $2,500 balance or at least one transfer from another Bank Independent account per month.
0.11% interest rate · $15 monthly fee · Effective May 13, 2026
Rate by balance
Rate by balance for Independent Money Market Balance APY Up to $10,000 0.11% $10,000 – $50,000Your amount 0.13% $100,000 – $250,000 0.17% $500,000 and up 0.25% 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 Muscle Shoals, AL
18 accounts at 9 banks and credit unions · checked Oct 22
- Typical
- 0.20%
- Top 10% from
- 1.52%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.25%
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Florence, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Listerhill Credit UnionCredit union · 9 branches