Compare Bank & Credit Union Rates
Best savings rates in Chandler, AZ
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Chandler, AZ
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Arizona Financial Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.20%–3.40% by balance
Credit union · 2 branches
2.75%APY$275 a year on $10,000Requirements
Product: Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No monthly fee.
Offer: Minimum $25 to earn APY.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY $25 and up 0.20% $10,000 and upYour amountMinimum $10,000 to earn APY. 2.75% $25,000 and upMinimum $25,000 to earn APY. 2.80% $50,000 and upMinimum $50,000 to earn APY. 2.85% $100,000 and upMinimum $100,000 to earn APY. 2.90% $250,000 and upMinimum $250,000 to earn APY. 3.00% $500,000 and upMinimum $500,000 to earn APY. 3.10% $1,000,000 and upMinimum $1,000,000 to earn APY. 3.25% $2,000,000 and upMinimum $2,000,000 to earn APY. 3.40% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Offer: As high as 1.50% APY
Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: If balance falls below $2,500, the dividend rate will be the Regular Savings rate. Monthly dividends calculated on average daily balance.
Offer: If the Money Market balance falls below $2,500, the dividend rate will be the Regular Savings rate.
1.15% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - TruWest Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.10%–2.00% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Must be a TruWest member with a minimum $5 balance in Share Savings required to be eligible for services. Additional opening deposit of $10,000 for Money Market. No minimum balance required after opening. No monthly service fee.
No monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.90% $25,000 – $49,999 1.00% $50,000 – $99,999 1.35% $100,000 – $249,999 1.65% $250,000 and up 2.00% Rate checked
More details - Arizona Central Credit UnionMoney MarketMoney Market · $1,000 min · 0.80%–2.12% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Tiered account. Limited to 6 electronic withdrawals per month (3 withdrawals per month at no charge). Monthly service fee of $15 applies if average daily balance of $1,000 is not maintained.
Offer: No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
0.80% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.90% $50,000 – $100,000 1.51% $100,000 – $250,000 2.12% $250,000 and up 2.12% Rate checked
More details - Desert FinancialMoney MarketMoney Market · $2,000 min · 0.75%–2.75% by balance
Credit union · 4 branches
0.85%APY$85 a year on $10,000Requirements
Product: Must meet Desert Financial's membership eligibility and credit qualification requirements. Must maintain a Membership Savings account.
Offer: Must maintain a minimum daily balance of $2,000 to earn dividends and to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening.
0.75% interest rate · $15 monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $9,999 0.75% $10,000 – $24,999Your amountMust maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 0.85% $25,000 – $49,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 1.00% $50,000 – $99,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 1.60% $100,000 – $249,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 2.25% $250,000 and upMust maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 2.75% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 3 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% 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 Chandler, AZ
61 accounts at 22 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.23%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Phoenix, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 5 branches
- AERO FinancialCredit union · 7 branches
- Goldwater BankBank · 1 branch