Compare Bank & Credit Union Rates
Best savings rates in District of Columbia
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in District of Columbia
- 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY when eligibility requirements are met.
Qualified rate
Rate checked
More details - 4.15%APY$415 a year on $10,000
4.07% interest rate · Effective Oct 16, 2026
Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $0 min · 0.15%–4.00% by balance
Credit union · 5 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.
Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.15% Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Offer: Variable rate account. Rates are subject to change at any time without notice and are not guaranteed until the account is opened. Fees may reduce earnings.
3.92% interest rate · No monthly fee · Effective Sep 24, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Personal accounts only (not available for businesses). Daily balance method used to calculate interest. Interest compounded and credited monthly on the last business day of the month.
Offer: When you maintain an open Advantage Checking account.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 3.61%APY$361 a year on $10,000
Requirements
Product: Available to recent graduates (3 years post grad).
3.55% interest rate · No monthly fee
Rate checked
More details - Bienestar Federal Credit UnionWellness Builder Savings AccountSavings · $5 min · 0.10%–3.30% by balance
Credit union · 1 branch
3.30%APY$330 a year on $10,000Requirements
Product: Tiered rates based on average daily balance. Only ONE Wellness Builder Savings Account per member. One (1) free withdrawal per month; each additional withdrawal subject to a $25 excess withdrawal fee.
Offer: Tier applies to balances up to $19,999 ($5.00 to $19,999).
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Wellness Builder Savings Account Balance APY Up to $19,999Your amount 3.30% $20,000 – $49,999 1.51% $50,000 and up 0.10% Rate checked
More details - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: Personal accounts only (not available for businesses). Daily balance method used to calculate interest. Interest compounded and credited monthly on the last business day of the month.
Offer: Without an Advantage Checking account.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Lafayette Federal Credit UnionPreferred Savings AccountSavings · $50 min · 3.20%–3.25% by balance
Credit union · 3 branches
3.20%APY$320 a year on $10,000Requirements
Product: Savings Account dividends will be compounded and credited monthly on the last day of each calendar month. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings.
Offer: Minimum balance to earn APY is $50.
3.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Preferred Savings Account Balance APY Up to $19,999Your amount 3.20% $20,000 and up 3.25% Rate checked
More details - Andrews Federal Credit UnionHigh Yield Savings AccountSavings · $0 min · 0.05%–3.15% by balance
Credit union · 1 branch
3.15%APY$315 a year on $10,000Requirements
Product: Must be a member of the credit union. Membership eligibility required. No recurring monthly maintenance charges or fees to open or close. Dividends compounded and credited monthly. Only one High-Yield Savings Account allowed per membership. Maximum balance $250,000. Excess transaction fee applies for more than 6 transfers/withdrawals per calendar month.
Offer: If the average daily balance of the account exceeds $250,000, the remaining balance will be paid at the rate stated for the second tier.
3.11% interest rate · No monthly fee
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $250,000Your amount 3.15% Over $250,000 0.05% Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - 3.05%APY$305 a year on $10,000
Requirements
Product: Regular share certificates available with fixed terms from 6 months to 60 months. Minimum deposit and balance to earn APY ranges from $500 to $100,000 depending on term and jumbo tier. Early withdrawal penalty may apply.
Offer: 12 month term; dividend rate and APY shown.
3.00% interest rate
Rate checked
More details - City First BankPromo High Yield Consumer Money MarketPromo High Yield Consumer Money Market · $10,000 min · 3.02%–3.28% by balance
Bank · 1 branch
3.02%APY$302 a year on $10,000intro rateRequirements
Product: Promotional rate is fixed for 90 days, after which rates become variable and subject to change without notice.
Offer: Fixed rate for 90-day promotional period.
Promotional rate · 2.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Promo High Yield Consumer Money Market Balance APY Up to $249,999Your amount 3.02% $250,000 and up 3.28% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.79%APY$279 a year on $10,000
Requirements
Product: Regular share certificates available with fixed terms from 6 months to 60 months. Minimum deposit and balance to earn APY ranges from $500 to $100,000 depending on term and jumbo tier. Early withdrawal penalty may apply.
Offer: 6 month term; dividend rate and APY shown.
2.75% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in District of Columbia
178 accounts at 62 banks and credit unions · checked Oct 16–22
- Typical
- 0.11%
- Top 10% from
- 2.05%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
District of Columbia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- EagleBankBank · 3 branches
- PenFed Credit UnionCredit union · 3 branches
- American Airlines Federal Credit UnionCredit union · 1 branch