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 Washington, DC-VA-MD-WV metro
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - 4.40%APY$440 a year on $10,000with conditions
Requirements
Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.
Offer: Relationship APY when eligibility requirements are met.
Qualified rate
Rate checked
More details - 4.15%APY$415 a year on $10,000
4.07% interest rate · Effective Oct 16, 2026
Rate checked
More details - Educational Systems Federal Credit UnionPremium Summer PaySavings · $0 min · 0.01%–4.00% by balance
Credit union · 9 branches
4.00%APY$400 a year on $10,000Requirements
Product: Available for Direct Deposits received from qualifying school systems and community colleges. In the summer, funds accumulated throughout the year are automatically transferred to an ESFCU savings/checking account or another financial institution in four equal proportions on the first and third Friday of July and August. A $35 early withdrawal fee applies outside this period.
Offer: Tier One APY applies to average daily balances up to $20,000. Dividends compounded and credited monthly. Direct Deposit from qualifying school system or community college required.
3.93% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Premium Summer Pay Balance APY Up to $20,000Your amount 4.00% $20,000 and up 0.01% Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $0 min · 0.15%–4.00% by balance
Credit union · 9 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.
Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.15% Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Offer: Variable rate account. Rates are subject to change at any time without notice and are not guaranteed until the account is opened. Fees may reduce earnings.
3.92% interest rate · No monthly fee · Effective Sep 24, 2026
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More details - 3.85%APY$385 a year on $10,000
Requirements
Product: Available only online. Variable rate account.
No monthly fee · Effective Oct 3, 2026
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More details - 3.85%APY$385 a year on $10,000
Requirements
Product: Available online. Deposit accounts are not available in Puerto Rico or other US territories.
Offer: Variable earnings. No confusing tiers. No cap on interest earned. No overdraft fees. $1.00 minimum opening deposit required and no minimum amount required to obtain APY.
Effective Dec 1, 2025
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More details - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Personal accounts only (not available for businesses). Daily balance method used to calculate interest. Interest compounded and credited monthly on the last business day of the month.
Offer: When you maintain an open Advantage Checking account.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - 3.61%APY$361 a year on $10,000
Requirements
Product: Available to recent graduates (3 years post grad).
3.55% interest rate · No monthly fee
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More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Base rate for opening SmartStep Installment Savings Account.
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - Tower Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
3.50%APY$350 a year on $10,000intro ratePromotional rate · 3.44% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Tower Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Offer: New and existing Money Market accounts earn 3.50% APY on all balances through December 28, 2026.
Promotional rate · No monthly fee
Rate checked
More details - 3.46%APY$346 a year on $10,000with conditions
Requirements
Product: Requires an average year-to-date relationship balance of $250,000 or greater across deposit accounts and/or outstanding loans to be eligible.
Offer: Monthly fee of $10 is waived with a minimum daily balance of $2,500 during the statement cycle. Requires an average year-to-date relationship balance of $250,000 or greater. Interest is calculated daily and credited monthly.
Qualified rate · 3.40% interest rate · $10 monthly fee · Effective Oct 3, 2026
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More details - Bienestar Federal Credit UnionWellness Builder Savings AccountSavings · $5 min · 0.10%–3.30% by balance
Credit union · 1 branch
3.30%APY$330 a year on $10,000Requirements
Product: Tiered rates based on average daily balance. Only ONE Wellness Builder Savings Account per member. One (1) free withdrawal per month; each additional withdrawal subject to a $25 excess withdrawal fee.
Offer: Tier applies to balances up to $19,999 ($5.00 to $19,999).
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Wellness Builder Savings Account Balance APY Up to $19,999Your amount 3.30% $20,000 – $49,999 1.51% $50,000 and up 0.10% 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 Washington, DC-VA-MD-WV metro
322 accounts at 117 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.75%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches