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 31–45 results in Philadelphia, PA
- OceanFirst BankFirstWave Money MarketFirstWave Money Market · $0 min · 0.05%–2.50% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000intro rateRequirements
Product: New money only. $10,000 minimum to receive promotional rates. Available for consumer and business.
Promotional rate · 0.05% interest rate · Effective Dec 15, 2025
Rate by balance
Rate by balance for FirstWave Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amountNew money only; 1.25% $100,000 – $250,000New money only; 2.00% $250,000 – $500,000New money only; 2.25% $500,000 and upNew money only; 2.50% Rate checked
More details - Philadelphia Federal Credit UnionMoney Market SavingsMoney Market Savings · $50 min · 0.35%–1.50% by balance
Credit union · 10 branches
1.25%APY$125 a year on $10,000Requirements
Product: Earn dividends on balances of $50 or more. $5 monthly fee waived if minimum daily balance is $2,500 or greater each day of the month.
Offer: Minimum daily balance required to earn stated dividend rate and APY. $5 monthly fee waived if the minimum daily balance is $2,500 or greater for each day of the month.
0.35% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY $50 and up 0.35% $2,500 and up 1.00% $10,000 and upYour amount 1.25% $25,000 and up 1.50% Rate checked
More details - FedChoice Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.15%–1.75% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000with conditionsRequirements
Product: Membership required. Minimum daily balance of $1,500.00 to avoid $5.00 monthly fee (charged if daily balance at any time is below $1,500). Dividends compounded and credited monthly using average daily balance method. Insured up to $500,000 ($250k NCUA + $250k ESI).
Offer: FedPerks rate (.10% bonus). Requires FedChoice Checking Account and membership in the FedPerks program. Monthly fee of $5.00 if daily balance falls below $1,500.
Qualified rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $20,000Your amount 1.15% $20,000 – $50,000 1.20% $50,000 – $100,000 1.50% Over $100,000 1.75% Rate checked
More details - Democracy Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.15%–1.75% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Dividends are paid and compounded monthly. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for daily balances below $1,000. Withdrawal restrictions apply.
1.14% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 1.15% $25,000 – $50,000 1.50% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% Over $250,000 1.75% Rate checked
More details - FedChoice Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.05%–1.65% by balance
Credit union · 1 branch
1.05%APY$105 a year on $10,000with conditionsRequirements
Product: Membership required. Minimum daily balance of $1,500.00 to avoid $5.00 monthly fee (charged if daily balance at any time is below $1,500). Dividends compounded and credited monthly using average daily balance method. Insured up to $500,000 ($250k NCUA + $250k ESI).
Offer: Standard rate. Monthly fee of $5.00 if daily balance falls below $1,500.
Qualified rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $20,000Your amount 1.05% $20,000 – $50,000 1.10% $50,000 – $100,000 1.40% Over $100,000 1.65% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: No minimum balance to earn dividends. Unlimited free withdrawals.
1.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Minimum opening deposit of $25. $10 monthly service charge is waived with a $1,000 minimum daily balance, which is also required to earn interest.
Offer: Applies to all balances. Requires a $1,000 minimum daily balance to earn interest and avoid the $10 monthly service charge.
$10 monthly fee · Effective Jun 7, 2023
Rate checked
More details - Second Federal | Savings & Loan Association Of PhiladelphiaPassbook SavingsSavings · $100 min
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest credited quarterly; rates subject to change without notice
1.00% interest rate · No monthly fee · Effective May 1, 2026
Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.85%–2.46% by balance
Bank · 12 branches
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Diamond tier with $1,000,000 combined balance.
Qualified rate · 0.85% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.85% $9,999 – $24,999Your amount 0.90% $24,999 – $49,999 1.06% $49,999 – $99,999 1.45% $99,999 – $249,999 2.15% $249,999 – $999,999 2.46% $999,999 – $1,999,999 2.46% Over $1,999,999 2.46% Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: Limit one account per person. Maximum deposit of $1,000,000. No monthly service fee.
Offer: No monthly service fee. Limit one account per person.
0.85% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for SaveUP Account Balance APY Up to $25,000Your amount 0.85% $25,000 – $50,000 0.85% $50,000 – $100,000 0.85% $100,000 – $500,000 1.40% $500,000 – $1,000,000 3.30% Rate checked
More details - Sun Federal Credit UnionAmplify Money MarketAmplify Money Market · $1,000 min · 0.80%–1.00% by balance
Credit union · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: Maintain a minimum balance of $1,000 to earn dividends. Unlimited deposits.
Offer: Member Value Program (MVP) rate. Minimum deposit to earn APY: $1,000.00. Requires savings, active checking account (one transaction per month), and a qualifying third product.
Qualified rate · 0.80% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Amplify Money Market Balance APY $1,000 – $75,000Your amount 0.80% $75,000 – $100,000Minimum deposit to earn APY: $75,000.00. 0.85% $100,000 – $150,000Minimum deposit to earn APY: $100,000.00. 0.90% $150,000 – $200,000Minimum deposit to earn APY: $150,000.00. 1.00% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.70%–2.30% by balance
Bank · 12 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Platinum tier with $250,000 combined balance.
Qualified rate · 0.70% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.70% $9,999 – $24,999Your amount 0.75% $24,999 – $49,999 0.90% $49,999 – $99,999 1.30% $99,999 – $249,999 2.00% $249,999 – $999,999 2.30% $999,999 – $1,999,999 2.30% Over $1,999,999 2.30% Rate checked
More details - Trumark Credit UnionMaximizerMaximizer · $2,500 min · 0.75%–1.50% by balance
Credit union · 6 branches
0.75%APY$75 a year on $10,0000.74% interest rate · Effective Apr 11, 2026
Rate by balance
Rate by balance for Maximizer Balance APY $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 0.75% $25,000 – $75,000 1.00% $75,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 and up 1.50% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Links to free 1873 High Interest Checking or 1873 Cash Back Checking account; requires at least one direct deposit, ACH credit, or ACH payment transaction and at least 12 debit card purchases post and settle per Monthly Qualification Cycle to receive reward rates.
Offer: When linked checking qualifications are met.
Qualified rate · 0.74% interest rate · No monthly fee
Rate by balance
Rate by balance for 1873 Saver Balance APY Up to $50,000Your amount 0.75% Over $50,000 0.42% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Minimum average daily balance of $1,000 avoids the $10 monthly service charge. Variable rate account; rates may change up or down at any time without notice. Fees could reduce earnings.
Offer: Minimum average daily balance of $1,000 avoids the $10 monthly service charge.
0.75% interest rate · $10 monthly fee · Effective Sep 22, 2025
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