Compare Bank & Credit Union Rates
Best savings rates in Indianapolis, IN
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Indianapolis, IN
- 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 - 1.26%APY$126 a year on $10,000
Requirements
Product: Up to 6 withdrawals allowed per month with no penalty.
Effective Oct 1, 2026
Rate checked
More details - KEMBA Indianapolis Credit UnionMoney MarketMoney Market · $0 min · 0.00%–2.00% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Tiered dividends starting with deposits of $2,500 or more. Up to six withdrawals per calendar month, with three of those withdrawals by check; excessive withdrawal fee applies for more than six withdrawals.
0.00% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.00% $2,500 – $9,999 0.75% $10,000 – $49,999Your amount 1.25% $50,000 – $99,999 1.75% $100,000 and up 2.00% Rate checked
More details - Indiana Members Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.21%–2.43% by balance
Credit union · 8 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: $5 required minimum balance to open the account. No monthly Maintenance Service Charge.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Helium Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 1.00% $10,000 and upYour amount 1.00% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.86%APY$86 a year on $10,000with conditions
Requirements
Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.
Offer: Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts.
Qualified rate · $9 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Rewards Plus Savings Balance APY Up to $50,000Your amount 0.86% $50,000 and up 0.56% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 10 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 - Everwise Credit UnionPremium Money MarketPremium Money Market · $0 min · 0.75%–1.26% by balance
Credit union · 8 branches
0.75%APY$75 a year on $10,000Requirements
Product: Tiered dividend structure. No term commitment.
Offer: Balance required to earn dividends: Less than $100,000.
0.75% interest rate
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $100,000Your amount 0.75% $100,000 and up 1.26% Rate checked
More details - 0.66%APY$66 a year on $10,000with conditions
Requirements
Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.
Offer: Earned on balance up to $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts.
Qualified rate · Balance cap $50,000 · $9 monthly fee · Effective Oct 4, 2026
Rate checked
More details - Financial Health Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–1.00% by balance
Credit union · 3 branches
0.60%APY$60 a year on $10,000Requirements
Product: Tiered-rate account paying dividends monthly based on average daily balance. Low minimum opening balance of $2,500. No fees if balance is kept above $2,500.
Offer: Variable rate based on Annual Percentage Yield; rates may change at any time. Dividends paid monthly on the average daily balance for the month.
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $5,000 0.30% $5,000 – $10,000Your amount 0.60% $10,000 – $25,000 0.80% Over $25,000 1.00% Rate checked
More details - 0.56%APY$56 a year on $10,000with conditions
Requirements
Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.
Offer: Earned on entire Rewards Plus Savings balance when meeting monthly qualifications.
Qualified rate · $9 monthly fee · Effective Oct 4, 2026
Rate checked
More details - HARVESTER FINANCIALMoney Market AccountsMoney Market Accounts · $5,000 min · 0.50%–1.75% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates may vary after account is open. Minimum balance of $1,000 required to earn stated dividend rate and APY.
Offer: Minimum balance of $1,000 required to earn stated dividend rate and APY.
0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $5,000 – $75,000Your amount 0.50% $75,001 – $150,000 1.00% $150,001 and up 1.75% Rate checked
More details - ENERGY PLUSMoney Market AccountsMoney Market Accounts · $5,000 min · 0.50%–1.75% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates may vary after account is open. Fees may reduce earning if incurred. Minimum balance of $1,000 required to earn stated dividend rate and APY.
Offer: Minimum balance of $1,000 required to earn stated dividend rate and APY.
0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $5,000 – $75,000Your amount 0.50% $75,001 – $150,000 1.00% $150,001 and up 1.75% Rate checked
More details - Family Horizons Credit UnionMoney MarketMoney Market · $1,000 min · 0.10%–2.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,0000.10% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.50% $25,000 – $100,000 1.25% $100,000 and up 2.00% 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 Indianapolis, IN
92 accounts at 31 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.14%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.23%
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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