Compare Bank & Credit Union Rates
Best savings rates in Tempe, AZ
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Tempe, AZ
- 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 · 2 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 · 1 branch
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 - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - OneAZ Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.10%–1.01% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Minimum opening deposit is $1,000. In order to earn disclosed APY, must maintain a balance of at least $1,000 each day. In order to avoid the monthly maintenance fee of $10.00, account balance must be at least equal to $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
Offer: Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $5,000 0.10% $5,000 – $10,000Blended APY ranges from 0.10% to 0.15%. 0.20%* $10,000 – $25,000Your amountBlended APY ranges from 0.15% to 0.24%. 0.30%* $25,000 – $50,000Blended APY ranges from 0.24% to 0.32%. 0.40%* $50,000 – $100,000Blended APY ranges from 0.32% to 0.41%. 0.50%* $100,000 and upBlended APY ranges from 0.41% to 0.94%. 1.01%* Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $10 monthly maintenance fee is waived when a $1,000 minimum daily account balance is maintained. Limited to 6 withdrawals/transactions per calendar month ($10 fee per excess transaction). Rate applies to entire balance once tier is met.
0.20% interest rate · $10 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.45% $50,000 – $100,000 0.70% $100,000 – $250,000 1.05% $250,000 and up 1.40% Rate checked
More details - Arizona Central Credit UnionMoney Market CheckingMoney Market Checking · $1 min · 0.10%–0.55% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Tiered account. Dividends paid on entire balance. Monthly service fee of $15 is waived when maintaining a minimum daily balance of $5,000+.
Offer: Monthly fee of $15 is waived with minimum daily balance of $5,000+.
0.10% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.35% $100,000 and up 0.55% Rate checked
More details - Global Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.20%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: No maintenance fee. Start earning dividends with a balance of $5,000. Dividends calculated daily and credited monthly.
0.20% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 and up 0.20% $10,000 and upYour amount 0.25% $25,000 and up 0.30% $50,000 and up 0.40% $100,000 and up 0.45% $250,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes credit union membership and ownership. Variable rate; dividends compounded monthly and credited monthly.
Offer: A $5.00 minimum balance is required to open and maintain membership.
Compounded monthly
Rate checked
More details - MidFirst BankTitanium Money MarketTitanium Money Market · $100 min · 0.10%–0.30% by balance
Bank · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: $10 monthly service charge, waived with $5,000 average daily balance. $100 minimum deposit to open account online.
$10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Titanium Money Market Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.15% $50,000 – $74,999 0.15% $75,000 – $249,999 0.20% $250,000 – $499,999 0.25% $500,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Effective Oct 14, 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 Tempe, AZ
69 accounts at 21 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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