Compare Bank & Credit Union Rates
Best savings rates in Philadelphia, PA
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Philadelphia, PA
- UnivestPersonal Money Market AccountPersonal Money Market Account · 3.60%–3.75% by balance
Bank · 5 branches
3.75%APY$375 a year on $10,000intro rateRequirements
Product: Requires new money not currently on deposit at Univest or its affiliates. Guaranteed promotional rate through December 31, 2026; converts to standard rates and terms starting January 1, 2027. Can be opened online or in-person at select locations, and in-person only at all other PA/NJ financial centers. Not available on business accounts. Withdrawal limitations apply.
Offer: For balances less than $5,000; guaranteed promotional rate until December 31, 2026 on new money not currently on deposit at Univest or its affiliates. Starting January 1, 2027, converts to standard rates and terms.
Promotional rate · No monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $5,000 3.60% $5,000 and upYour amount 3.75% Rate checked
More details - Parke BankParke Select Money MarketParke Select Money Market · $1,000 min · 3.50%–3.75% by balance
Bank · 2 branches
3.50%APY$350 a year on $10,000Requirements
Product: Minimum deposit required to open is $1,000. No service charges imposed provided you maintain a daily minimum balance of $1,000. A monthly fee of $7 will be charged if the minimum balance falls below $1,000. Fees may reduce earnings.
Offer: Deposit balance up to $49,999.99. Minimum deposit to open is $1,000. Monthly fee of $7 waived with $1,000 daily minimum balance.
3.44% interest rate · $7 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Parke Select Money Market Balance APY Up to $50,000Your amount 3.50% $50,000 and up 3.75% Rate checked
More details - Trumark Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–3.50% by balance
Credit union · 6 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Requires an active Momentum Checking Account and meeting monthly qualification requirements ($1,000 in electronic deposits, 15 qualifying transactions, or age 26 or younger) to earn 3.50% APY on balances from $1 to $100,000; balances above $100,000 or months when qualifications are not met earn the Primary Savings rate.
Offer: If monthly qualification requirements are not met, the account earns the Primary/Regular Savings rate for that month.
Qualified rate · 0.09% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Any balance 0.10% Up to $100,000Your amount 3.50% Over $100,000 0.10% Rate checked
More details - Philadelphia Federal Credit UnionHigher Yield SavingsSavings · $50 min · 1.30%–3.50% by balance
Credit union · 10 branches
3.50%APY$350 a year on $10,000Requirements
Product: Tiered rate structure rewards bigger balances. No monthly fees or minimum balance requirements.
Offer: Tier 1: $50 minimum daily balance required to obtain stated rate and yield.
1.29% interest rate · No monthly fee
Rate by balance
Rate by balance for Higher Yield Savings Balance APY $50 and up 1.30% $2,000 and up 1.30% $10,000 and upYour amount 3.50% $25,000 and up 3.50% Rate checked
More details - American Heritage Credit UnionHigh-Yield Savings AccountSavings · $10,000 min
Credit union · 12 branches
3.20%APY$320 a year on $10,000Requirements
Product: Limit one High Yield Savings Account per member. $10 monthly service fee is waived if the daily balance is $10,000 or more. Account holder may withdraw funds three times per monthly statement cycle via check, transfer or withdrawal ($25 fee for each additional withdrawal per statement cycle). Maximum deposit amount is $1,000,000.
Offer: $10 monthly fee waived with daily balance of $10,000 or more; first 3 transfers/withdrawals per month free, $25 for each subsequent.
3.15% interest rate · Balance cap $1,000,000 · $10 monthly fee · Effective Sep 18, 2026
Rate checked
More details - Citadel Credit UnionHigh Yield Savings AccountSavings · $5,000 min · 1.20%–3.20% by balance
Credit union · 1 branch
3.20%APY$320 a year on $10,000Requirements
Product: Deposits federally insured by NCUA up to $250,000 per member. Three free withdrawals or transfers per calendar quarter, then $25 fee each. Rate boosts available when paired with Ultimate Growth Checking tiers. Inactivity fee of $5/month applies after 1 year of inactivity unless combined deposit balance is $500+ or primary owner is under 13.
Offer: Base rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.
1.20% interest rate · No monthly fee
Rate by balance
Rate by balance for High Yield Savings Account Balance APY $5,000 – $9,999 1.20% $10,000 and upYour amount 3.20% Rate checked
More details - Self Reliance Financial Federal Credit UnionHigh Yield Savings AccountSavings · $5,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Must be a member of SRFFCU. Rates and APYs are variable and may change after account opening. Dividends compounded daily and credited monthly.
Offer: A minimum balance of $5,000 is required to open the account and earn the advertised APY. If balance falls below $5,000, dividends/advertised APY will not be earned. Rates and APYs are variable.
3.15% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Freedom Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.25%–3.19% by balance
Credit union · 2 branches
3.19%APY$319 a year on $10,000Requirements
Product: Requires membership with Freedom Credit Union (open regular savings with $5 minimum balance; eligible if living, working, worshiping, volunteering, or attending school in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties). Tier 2 rate is variable and subject to daily adjustments.
Offer: Tier 1 rate. Dividends are paid monthly on average daily balance based on current tier level rate.
0.25% interest rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $10,000 0.25% $10,000 and upYour amountTier 2 rate. Variable rate subject to daily adjustments. Dividends paid monthly on average daily balance based on current tier level rate. 3.19% Rate checked
More details - Franklin Mint Federal Credit UnionPOWER SavingsSavings · $0 min · 0.10%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: No minimum balance requirement. Free unlimited deposits. One free monthly withdrawal; $25 fee for each additional monthly withdrawal.
Offer: One free monthly withdrawal; $25 fee for each additional monthly withdrawal.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for POWER Savings Balance APY Up to $5,000 0.10% $5,000 – $10,000 1.50% $10,000 and upYour amount 3.00% Rate checked
More details - 2.85%APY$285 a year on $10,000with conditions
Requirements
Product: Must have personal checking account and debit card. Maintain at least $5,000 in Relationship Savings and $10,000 total across all deposit accounts as of 12 a.m. on the first of the month. Limited to one account per personal tax ID. No minimum balance fees.
Offer: Qualifications met: Requires personal checking account, debit card, minimum average daily balance of $5,000 in Relationship Savings, and $10,000 total balance across all deposit accounts as of 12 a.m. on the first of that month. Paid monthly.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - PFFCU – Police & Fire Federal Credit UnionPremium Yield Account (S25)Premium Yield Account (S25) · $2,500 min · 2.75%–3.00% by balance
Credit union · 8 branches
2.75%APY$275 a year on $10,000Requirements
Product: Requires a $2,500 minimum balance to earn dividends. Dividends do not accrue on days when the ending balance is below $2,500. Two free withdrawals/transfers per month; $10 fee per each additional withdrawal/transfer out. Membership in PFFCU required.
Offer: Tier applies to balances of $2,500 to $49,999.99 (or $2,500 - $49,999). Requires a $2,500 balance to earn dividends.
2.72% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Premium Yield Account (S25) Balance APY $2,500 – $50,000Your amount 2.75% $50,000 and up 3.00% Rate checked
More details - PFFCU – Police & Fire Federal Credit UnionPremium Yield Account (S25)Savings · $2,500 min · 2.75%–3.00% by balance
Credit union · 8 branches
2.75%APY$275 a year on $10,000Requirements
Product: Requires a $2,500 balance to earn dividends. Dividends do not accrue on days when ending balance is below $2,500. Entitled to two free withdrawals/transfers out per month; $10 fee per each additional withdrawal/transfer out.
Offer: Requires a $2,500 balance to earn dividends. Deposits of $2,500 to $49,999.99 earn 2.75% APY.
2.72% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Premium Yield Account (S25) Balance APY $2,500 – $50,000Your amount 2.75% $50,000 and up 3.00% Rate checked
More details - 2.60%APY$260 a year on $10,000
2.57% interest rate · Effective Apr 11, 2026
Rate checked
More details - United Savings BankPersonal Money MarketPersonal Money Market · $100 min · 0.00%–2.50% by balance
Bank · 3 branches
2.50%APY$250 a year on $10,000Requirements
Product: Variable rate determined by daily balance. $3.00 monthly service fee imposed every month if daily balance falls below $100 any day of the month.
Offer: Monthly service fee of $3.00 imposed if daily balance falls below $100 any day of the month. Variable APY.
0.00% interest rate · $3 monthly fee · Effective Feb 18, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $99 0.00% $100 – $2,499 0.05% $2,500 and upYour amountDaily minimum balance of $100 must be obtained to earn disclosed APY. 2.50% Rate checked
More details - WSFS BankPlatinum Money MarketPlatinum Money Market · $0 min · 0.05%–4.00% by balance
Bank · 11 branches
2.25%APY$225 a year on $10,000Requirements
Product: Personal accounts only. Restricted to Private Banking clients and individuals residing in Pennsylvania, Delaware, or New Jersey. Limit of six preauthorized withdrawals or transfers per month or statement cycle.
Offer: Personal accounts only. Restricted to Private Banking clients residing in PA, DE, or NJ.
0.05% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.25% $100,000 – $500,000 3.75% $500,000 and up 4.00% 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 Philadelphia, PA
131 accounts at 43 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.50%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.50%
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Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches