Compare Bank & Credit Union Rates
Best savings rates in Carmel, IN
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Carmel, IN
- 3.85%APY$385 a year on $10,000
Requirements
Product: Subscription-based account tied to SafisLife Financial Coaching program. $5 per month subscription fee withdrawn from the account. Maximum savings balance of $25,000. Cancel anytime.
3.77% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: No fee with balances over $1,000.
Offer: Earn up to 3.75% APY. No fee with balances over $1,000.
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: No minimum balance requirements; no hidden fees; limited to 6 preauthorized transfers or withdrawals per monthly statement cycle.
Offer: No minimum balance to earn APY. APY may change after account opening.
Effective Sep 17, 2026
Rate checked
More details - 3.35%APY$335 a year on $10,000with conditions
Requirements
Product: Part of the Connect Checking and Savings bundle. Connect Savings requires $0 to open in branch or $50 online. Earns tiered APY based on the number of qualified debit card transactions per statement cycle. If qualifications are not met, Connect Savings converts to Statement Savings.
Offer: Requires 25 or more qualified debit card transactions posted per statement cycle. Opening deposit is $0 in branch or $50 online.
Qualified rate · Effective Jul 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 2 branches
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 2 branches
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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.
Offer: No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.
Qualified rate · 2.96% interest rate · No monthly fee
Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: Part of the Connect Checking and Savings bundle. Connect Savings requires $0 to open in branch or $50 online. Earns tiered APY based on the number of qualified debit card transactions per statement cycle. If qualifications are not met, Connect Savings converts to Statement Savings.
Offer: Requires 16 - 24 qualified debit card transactions posted per statement cycle. Opening deposit is $0 in branch or $50 online.
Qualified rate · Effective Jul 1, 2026
Rate checked
More details - First Farmers Bank & TrustPrime Money MarketPrime Money Market · $0 min · 2.70%–3.45% by balance
Bank · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: APY tiers apply to the entire balance based on average daily balance.
2.66% interest rate · Effective Aug 1, 2024
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $100,000Your amount 2.70% $100,000 – $225,000 3.20% $225,000 – $300,000 3.45% $300,000 and up 3.45% Rate checked
More details - Christian Family Credit UnionChurch Variable SharesSavings · $25 min · 0.25%–3.55% by balance
Credit union · 1 branch
2.52%APY$252 a year on $10,000Requirements
Product: Dividends computed daily and paid quarterly.
Offer: Balance below $10,000 minimum. May be assessed a monthly below minimum balance fee.
0.25% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Church Variable Shares Balance APY Up to $9,999 0.25% $10,000 – $24,999Your amount 2.52% $25,000 – $99,999 3.03% $100,000 – $199,999 3.29% $200,000 and up 3.55% Rate checked
More details - Christian Family Credit UnionMoney Market AccountMoney Market Account · 0.05%–3.03% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Minimum balance required: $2,000. Certain restrictions apply.
Offer: Below $2,000 minimum
0.05% interest rate · Effective Oct 3, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.05% $2,000 – $4,999 1.00% $5,000 – $24,999Your amount 2.02% $25,000 and up 3.03% Rate checked
More details - Security Federal Savings BankSecFed High Yield Money MarketSecFed High Yield Money Market · $50 min · 0.10%–3.30% by balance
Bank · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Interest paid on balances up to $7.5 million. $7.50 monthly service fee avoided with $5,000 minimum balance.
Offer: $7.50 monthly service fee waived with $5,000 minimum balance.
0.10% interest rate · $7.50 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for SecFed High Yield Money Market Balance APY Over $0 0.10% $5,000 and upYour amount 2.02% $100,000 and up 2.53% $250,000 – $7,500,000 3.30% Rate checked
More details - Lake City BankInvestor’s Money MarketInvestor’s Money Market · $5,000 min · 0.00%–1.45% by balance
Bank · 3 branches
1.35%APY$135 a year on $10,000Requirements
Product: Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.
Offer: Paid on balances up to $4,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.
$10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investor’s Money Market Balance APY Up to $5,000 0.00% $5,000 – $10,000 1.35% $10,000 – $20,000Your amount 1.35% $20,000 – $50,000 1.35% $50,000 – $100,000 1.40% $100,000 and up 1.45% Rate checked
More details - Centra Credit UnionHigh Interest Money Market SavingsHigh Interest Money Market Savings · $0 min · 1.35%–3.35% by balance
Credit union · 1 branch
1.35%APY$135 a year on $10,000Requirements
Product: Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. Unlimited withdrawals.
1.34% interest rate · No monthly fee · Effective Aug 11, 2026
Rate by balance
Rate by balance for High Interest Money Market Savings Balance APY Up to $24,999Your amount 1.35% $25,000 – $49,999 1.40% $50,000 – $249,999 1.45% $250,000 – $499,999 1.60% $500,000 – $999,999 2.10% $1,000,000 – $2,999,999 3.20% $3,000,000 and up 3.35% Rate checked
More details - Indiana Members Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.21%–2.43% by balance
Credit union · 3 branches
1.21%APY$121 a year on $10,000Requirements
Product: Membership savings account required. No monthly fee with a minimum balance of $2,500; accounts below $2,500 may incur a fee.
Offer: Membership savings account required. Minimum balance of $2,500 required to earn dividends.
1.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $19,999Your amount 1.21% $20,000 – $49,999 1.51% $50,000 – $99,999 1.81% $100,000 – $249,999 2.22% $250,000 and up 2.43% 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 Carmel, IN
60 accounts at 20 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 3.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Indianapolis, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Elements FinancialCredit union · 5 branches
- FORUM Credit UnionCredit union · 16 branches
- Indiana Members Credit UnionCredit union · 24 branches