Compare Bank & Credit Union Rates
Best savings rates in Mishawaka, 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 Mishawaka, IN
- 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
Requirements
Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.
Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.
No monthly fee · Effective Mar 30, 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 - 3.25%APY$325 a year on $10,000
Requirements
Product: Penalty-free withdrawal period is the 1st 5 days of each month. Withdrawals outside this window incur a 15-day dividend penalty.
Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. Penalty-free withdrawal period is the 1st 5 days of each month; otherwise withdrawal penalty is 15 days dividends.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - United Federal Credit UnionElevate Money MarketElevate Money Market · $0 min · 0.00%–3.50% by balance
Credit union · 2 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.00% $100,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.25% $250,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.50% 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 - 2.00%APY$200 a year on $10,000
Requirements
Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Lake City BankInvestor’s Money MarketInvestor’s Money Market · $5,000 min · 0.00%–1.45% by balance
Bank · 1 branch
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 - INOVA Federal Credit UnionShield Money MarketShield Money Market · $0 min · 1.25%–4.00% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Must have a Shield Checking Account to be eligible to open. To receive the higher dividend rate/APY across the entire balance, Shield Checking requirements must be met: complete at least 8 debit card transactions per statement period and maintain an average daily balance greater than $3,500.00. Otherwise, the standard rate (0.01% APY) applies. Daily Balance Method is used to calculate interest. No minimum or maximum deposit requirements.
Offer: Qualifying rate tier when Shield Checking requirements are met.
Qualified rate · 1.24% interest rate · No monthly fee
Rate by balance
Rate by balance for Shield Money Market Balance APY Up to $50,000Your amount 1.25% $50,000 – $100,000 1.75% $100,000 – $250,000 3.50% Over $250,000 4.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Enrolling in the CW Cents Savings Round-Up Program rounds up debit card purchases associated with CW Checking account to the next whole dollar amount and transfers the excess from CW Checking to CW Cents Savings account.
Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time.
Qualified rate · 1.00% interest rate · Effective Jan 1, 2025
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: No monthly service charges. Additional savings accounts have no minimum balance requirements.
Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month on entire balance. No penalty withdrawal period is any time.
1.00% interest rate · No monthly fee · Effective Jan 1, 2025
Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - 0.85%APY$85 a year on $10,000
Requirements
Product: Higher dividend savings account with tiered rates and no withdrawal fees. Minimum average daily balance of $500.00 is required to qualify for dividends. Dividends compound and are paid monthly on average daily balance. Rates are variable.
0.75% interest rate
Rate by balance
Rate by balance for Funds Manager Balance APY $500 and up 0.75% $10,000 and upYour amount 0.85% $25,000 and up 0.95% $50,000 and up 1.06% $100,000 and up 1.16% $250,000 and up 1.26% 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 Mishawaka, IN
63 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.60%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.13%
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South Bend, IN-MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 7 branches
- TLCU FinancialCredit union · 1 branch
- Everwise Credit UnionCredit union · 10 branches