Compare Bank & Credit Union Rates
Best savings rates in Madison, MS
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Madison, MS
- 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 - Keesler Federal Credit UnionHIMMA Premier High Interest Money Market AccountHIMMA Premier High Interest Money Market Account · $0 min
Credit union · 1 branch
3.25%APY$325 a year on $10,000intro rateRequirements
Product: Rate available on new deposits only. Account can be opened online, by phone, or in branch. At the end of six months, balance can be rolled into a regular HIMMA account, share/checking account, or certificate. Limit 6 pre-authorized withdrawals per month.
Offer: New deposits only. Rate applies for the first 6 months.
Promotional rate · 3.20% interest rate
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 - Keesler Federal Credit UnionChecking SaverSavings · $0 min · 0.40%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Free savings account with no minimum balance that earns dividends when meeting monthly qualifications of linked Keesler Federal checking account. Automatically moves rewards into savings.
Offer: Qualified: when monthly qualifications of linked checking account are met. Rate applies to balances up to $150,000.
Qualified rate · 0.99% interest rate
Rate by balance
Rate by balance for Checking Saver Balance APY Up to $150,000Your amount 1.00% $150,000 and upBlended APY ranges from 1.00% to 0.76% depending on account daily balance. 0.40%* Rate checked
More details - BankFirst Financial ServicesSaver Savings + PERKSSavings · $100 min · 0.15%–0.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must have an Interest Checking + PERKS account to open a Saver Savings + PERKS account and the Interest Checking + PERKS account must remain open throughout the period that you hold the Saver Savings + PERKS account. Limit one Saver Savings + PERKS account per social security number.
Offer: Requires meeting linked Interest Checking + PERKS qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Saver Savings + PERKS Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must have an Interest Checking account to open a Saver Savings account and the Interest Checking account must remain open throughout the period that you hold the Saver Savings account. Limit one Saver Savings account per social security number.
Offer: Requires meeting linked Interest Checking qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Saver Savings Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - BankFirst Financial ServicesVIP Saver Savings + PERKSSavings · $100 min · 0.15%–0.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must have a VIP Interest Checking + PERKS account to open a VIP Saver Savings + PERKS account and the VIP Interest Checking + PERKS account must remain open throughout the period that you hold the VIP Saver Savings + PERKS account. Limit one VIP Saver Savings + PERKS account per social security number.
Offer: Requires meeting linked VIP Interest Checking + PERKS qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · Effective Apr 22, 2026
Rate by balance
Rate by balance for VIP Saver Savings + PERKS Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - Keesler Federal Credit UnionHigh Interest Money Market Account (HIMMA)High Interest Money Market Account (HIMMA) · $2,500 min · 0.30%–0.40% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open account and earn dividends. Automatic transfers limited to six per month. Dividends paid monthly.
0.30% interest rate
Rate by balance
Rate by balance for High Interest Money Market Account (HIMMA) Balance APY $2,500 – $10,000 0.30% $10,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 and up 0.40% Rate checked
More details - Keesler Federal Credit UnionPrimary Share SavingsSavings · $1 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
Offer: Paid quarterly; balances less than $5,000.
0.15% interest rate
Rate by balance
Rate by balance for Primary Share Savings Balance APY Up to $5,000 0.15%* $5,000 and upYour amount 0.20%* Rate checked
More details - Keesler Federal Credit UnionAlternate Share SavingsSavings · $0 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
Offer: Paid quarterly; balances less than $5,000.
0.15% interest rate
Rate by balance
Rate by balance for Alternate Share Savings Balance APY Up to $5,000 0.15%* $5,000 and upYour amount 0.20%* Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 2 branches
0.06%APY$6 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: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% 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 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest rate is variable and subject to change. Requires a $100 minimum balance to avoid charges and obtain current APY, with a $5 below minimum balance fee.
Offer: Minimum balance to avoid charges and obtain current APY is $100. Below minimum balance fee is $5. Semi-annual statement.
Effective Oct 4, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Free savings account with no minimum balance that earns dividends when meeting monthly qualifications of linked Keesler Federal checking account. Automatically moves rewards into savings.
Offer: Non-Qualified: earned on all balances when checking qualifications are not met.
Qualified rate · 0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.00% interest rate · Effective Jul 27, 2026
Rate by balance
Rate by balance for FIRSTSavings Balance APY Up to $300 0.00% $300 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 0.10% $100,000 and up 0.10% Rate checked
More details - BankFirst Financial ServicesPersonal Money MarketPersonal Money Market · $2,500 min · 0.00%–0.15% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Avoid the $15 monthly service charge by maintaining a $2,500 daily minimum balance.
Offer: Avoid the $15 monthly service charge by maintaining a $2,500 daily minimum balance.
0.00% interest rate · $15 monthly fee · Effective Jul 27, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $5,000 0.00% $5,000 – $25,000Your amount 0.05% $25,000 – $100,000 0.10% $100,000 and up 0.15% 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 Madison, MS
23 accounts at 5 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 2.72%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Jackson, MS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- RiverLand Federal Credit UnionCredit union · 1 branch
- Keesler Federal Credit UnionCredit union · 6 branches
- Veritas Federal Credit UnionCredit union · 1 branch