Compare Bank & Credit Union Rates
Best savings rates in South Bend, 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 South Bend, IN
- 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 - United Federal Credit UnionElevate Money MarketElevate Money Market · $1,000 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.50%APY$50 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 · 0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY $1,000 and upYour amount 0.50% $100,000 and up 0.75% $250,000 and up 1.00% Rate checked
More details - United Federal Credit UnionBonus Builder Money MarketBonus Builder Money Market · $0 min · 0.00%–0.40% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Bonus Builder Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to be the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00. 0.40% Rate checked
More details - 0.36%APY$36 a year on $10,000with conditions
Requirements
Product: Requires a Rewards 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 Savings Balance APY Up to $50,000Your amount 0.36% $50,000 and up 0.16% Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.26%APY$26 a year on $10,000with conditions
Requirements
Product: Requires a Rewards 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 $10,000 balance in 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 - Policemen's Federal Credit UnionTargeted Share Savings - Special AccountsSavings
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Rates listed are current as of 11/01/2024 and subject to change without notice. Fees may reduce earnings on share accounts. Membership eligibility required.
0.25% interest rate · Effective Nov 1, 2024
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - Northwest BankAffinity Plus Money MarketAffinity Plus Money Market · $25 min · 0.10%–0.30% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must have Affinity Plus Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Plus Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Plus Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 – $5,000,000 0.30% $5,000,000 and up 0.30% Rate checked
More details - 0.16%APY$16 a year on $10,000with conditions
Requirements
Product: Requires a Rewards 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 Savings balance when meeting monthly qualifications and maintaining a combined $2,500 balance in eligible Lake City Bank accounts.
Qualified rate · $9 monthly fee · Effective Oct 4, 2026
Rate checked
More details - United Federal Credit UnionBonus Builder Money MarketBonus Builder Money Market · $1,000 min
Credit union · 1 branch
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.
Offer: Standard tier rate.
Qualified rate · 0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends calculated daily and paid monthly. No minimum account balance requirement.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northwest BankAffinity Money MarketAffinity Money Market · $25 min · 0.05%–0.20% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Monthly service charge of $10 can be avoided with an Affinity Checking or $2,500 average daily balance. Designed to work alongside your checking account. Variable rate account; rates valid only for accounts opened online.
Offer: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Checking or $2,500 average daily balance.
$10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Money Market Balance APY Up to $5,000 0.05% $5,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.20% $250,000 – $5,000,000 0.20% $5,000,000 and up 0.20% 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 South Bend, IN
53 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 2.95%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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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