Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Denver, CO metro
- Westerra Credit UnionSummerPay SaverSavings · $0 min · 0.05%–6.00% by balance
Credit union · 9 branches
6.00%APY$600 a year on $10,000with conditionsRequirements
Product: Available exclusively to eligible educational professionals employed within the state of Colorado. Requires an active Westerra Smart Money Checking account to open and maintain. Funds automatically transfer to the primary savings account on June 1 annually.
Offer: Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account.
Qualified rate · 5.84% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for SummerPay Saver Balance APY Up to $10,000Your amount 6.00% Over $10,000 0.05% Rate checked
More details - 4.34%APY$434 a year on $10,000
Requirements
Product: Personal & Business.
Offer: Earn up to 4.34% APY.
Rate checked
More details - 4.07%APY$407 a year on $10,000
Requirements
Offer: Variable-rate account; APY is variable and subject to change. Minimum balance to earn advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
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More details - 4.07%APY$407 a year on $10,000
Requirements
Offer: Annual Percentage Yield (APY) is variable and subject to change. Minimum balance to earn the advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
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More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
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More details - 3.85%APY$385 a year on $10,000
Requirements
Product: Available for individuals only. Rate is variable and may change after the account is open.
3.79% interest rate · No monthly fee · Effective Jul 16, 2026
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More details - 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
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More details - 3.72%APY$372 a year on $10,000intro rate
Requirements
Offer: Term: 3 Years
3.66% interest rate · Balance cap $3,000,000 · Effective Dec 19, 2025
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More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 17 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.67%APY$367 a year on $10,000intro rate
Requirements
Offer: Term: 2 Years
3.61% interest rate · Balance cap $3,000,000 · Effective Dec 19, 2025
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More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
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More details - Meritrust Credit Union – ColoradoPremium High Yield Savings AccountSavings · $5,000 min
Credit union · 9 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Exclusive to members with Premium Perks Checking accounts. The Premium High Yield Savings Account must be titled under the same tax reported owner as the Premium Perks Checking Account. If you close your Premium Perks Checking Account or change to a different checking account type, the savings account will be closed.
Offer: $5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
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More details - 3.40%APY$340 a year on $10,000intro rate
Requirements
Offer: Term: 182 Days
3.35% interest rate · Balance cap $3,000,000 · Effective Dec 19, 2025
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More details - 3.39%APY$339 a year on $10,000intro rate
Requirements
Offer: Term: 5 Years
3.34% interest rate · Balance cap $3,000,000 · Effective Dec 19, 2025
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More details - 3.36%APY$336 a year on $10,000intro rate
Requirements
Offer: Term: 4 Years
3.31% interest rate · Balance cap $3,000,000 · Effective Dec 19, 2025
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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 Denver, CO metro
211 accounts at 72 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 3.02%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
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Denver, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Canvas Credit UnionCredit union · 22 branches
- Bellco Credit UnionCredit union · 21 branches