Compare Bank & Credit Union Rates
Best savings rates in Elko, NV
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Elko, NV
- 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Greater Nevada Credit UnionMoney Market AccountMoney Market Account · $0 min · 1.00%–2.05% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: No minimum daily balance fee. Includes check writing privileges. GNCU Visa debit card not included. Unlimited in-person or ATM withdrawals without fees; up to six third-party withdrawals or transfers per month. NCUA insured.
Offer: Dividends credited and compounded monthly. No minimum opening deposit or balance is required.
1.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $50,000Your amount 1.00% Over $50,000 2.05% Rate checked
More details - Elko Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.75%–2.02% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Membership requires purchasing and maintaining 5 shares ($5.00 par value per share) and paying a nonrefundable membership fee. No term commitment. Excessive withdrawal fee of $10.00 per withdrawal in excess of six per month.
Offer: Tier One. All deposited funds earn the rate for the tier. Variable rate.
0.75% interest rate · Effective Apr 9, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.75% $2,500 – $20,000Your amountTier Two. 1.00% $20,000 – $50,000Tier Three. Dividend rate is 1.25%. 1.26% $50,000 – $100,000Tier Four. Dividend rate is 1.50%. 1.51% $100,000 – $250,000Tier Five. Dividend rate is 1.75%. 1.76% $250,000 and upTier Six. Dividend rate is 2.00%. 2.02% Rate checked
More details - Nevada Bank and TrustMoney Market AccountMoney Market Account · $2,500 min · 1.00%–2.50% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Offer: Maintenance fee of $5.00 and withdrawal fees waived if a $2,500 minimum daily balance is maintained for the statement cycle.
1.00% interest rate · $5 monthly fee · Effective Feb 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 1.00% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.25% $100,000 – $250,000 1.40% $250,000 – $500,000 1.60% $500,000 – $1,000,000 1.75% $1,000,000 – $2,500,000 2.00% $2,500,000 – $5,000,000 2.25% $5,000,000 – $10,000,000 2.50% $10,000,000 and up 2.50% Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Assessed a $3.00 maintenance fee per quarter plus a $1.00 withdrawal fee for each withdrawal in excess of 12 per quarter. Maintenance fee waived if a $50 minimum daily balance is maintained for the statement cycle. Maintenance fee and withdrawal fee are waived on Reward Junior Minor Accounts (available for those up to age 18).
Offer: Interest compounded quarterly and credited quarterly. Daily balance method. $3.00 fee per quarter waived with $50 minimum daily balance; waived for Reward Junior accounts (up to age 18).
0.50% interest rate · Compounded quarterly · Effective Feb 4, 2026
Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Start membership at EFCU. One-time membership fee of $5. Account may be used as collateral for a loan. $5.00 fee per withdrawal in excess of three per month; $25.00 fee if account closed within first 90 days.
Offer: Minimum balance of $100.00 is required to earn dividends on entire balance. Dividend period is monthly.
0.35% interest rate · Effective Apr 9, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
Offer: $1,000 minimum balance to earn interest and avoid $10 monthly service charge.
0.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $14,999Your amount 0.15% $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. 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 Elko, NV
28 accounts at 8 banks and credit unions · checked Oct 7–22
- Typical
- 0.25%
- Top 10% from
- 1.47%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.35%
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Elko, NV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Greater Nevada Credit UnionCredit union · 2 branches