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 16–30 results in Birmingham, AL metro
- FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 3 branches
1.56%APY$156 a year on $10,000Requirements
Product: Variable-rate tiered account tied to the Effective Federal Funds Rate. $10 monthly service charge is waived with a minimum balance of $100,000 or if the account owner is a Primary or Secondary/Joint Owner on a FirstBank Essential Checking account. Includes six free withdrawals per statement cycle.
Offer: Tier 1: Entire daily balance of $0.01-$99,999.99 earns up to 1.56% APY. $10 monthly fee waived with a minimum balance of $100,000 or with an Essential Checking account.
$10 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Consumer Fed Funds Money Market Balance APY Up to $100,000Your amount 1.56% $100,000 and up 3.15% Rate checked
More details - Family Security Credit UnionDaily Action Savings AccountSavings · $0 min · 0.00%–2.12% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: No monthly service fee. Unlimited in-branch transactions; up to 6 preauthorized or check withdrawals per month. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Daily Action Savings Account Balance APY Up to $2,000 0.00% $2,000 – $5,000 1.51% $5,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.81% $100,000 and up 2.12% Rate checked
More details - Fort McClellan Credit UnionEmergency FundSavings · $100 min · 0.05%–1.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: $5 minimum opening deposit. Minimum deposit to earn dividends is $100. Access funds twice annually without incurring fees; excess withdrawals subject to early withdrawal fee.
Offer: Minimum to earn stated APY is $100. Minimum to open is $5.
1.49% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Emergency Fund Balance APY $100 – $10,001Your amount 1.50% $10,001 and upAPY is 0.05% to 1.50%. 0.05%* Rate checked
More details - AmFirstAmFirst Money Market AccountAmFirst Money Market Account · $0 min · 1.00%–2.35% by balance
Credit union · 17 branches
1.10%APY$110 a year on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. The dividend rate and APY depend upon the tier into which the ending balance falls each day.
No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for AmFirst Money Market Account Balance APY Up to $9,999 1.00% $10,000 – $24,999Your amount 1.10% $25,000 – $49,999 1.15% $50,000 – $99,999 1.40% $100,000 and up 2.35% Rate checked
More details - Jefferson Credit UnionProsperity Money Market AccountProsperity Money Market Account · $2,500 min · 1.00%–2.00% by balance
Credit union · 4 branches
1.10%APY$110 a year on $10,000Requirements
Product: Variable rates. Dividend payment frequency is monthly.
Offer: Variable rate; dividend payment frequency is monthly.
1.00% interest rate · Effective May 14, 2025
Rate by balance
Rate by balance for Prosperity Money Market Account Balance APY $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.10% $25,000 – $50,000 1.25% $50,000 – $100,000 1.50% $100,000 and up 2.00% Rate checked
More details - Hope Credit UnionHOPE Rewards Saving Plus AccountsSavings · 1.01%–1.51% by balance
Credit union · 1 branch
1.01%APY$100 a year on $10,000Requirements
Product: Variable-rate account; rates may change after the account is opened. Rates apply when qualifications are met.
Offer: When qualifications are met.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for HOPE Rewards Saving Plus Accounts Balance APY Up to $10,000Your amount 1.01% $10,000 – $50,000 1.51% Over $50,000 1.51% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Requires at least 12 debit card purchases of minimum $5 each, enrollment in eStatements, and monthly Direct Deposit or ACH Transaction during each monthly qualification cycle to earn qualified rates. No monthly maintenance fees.
Offer: Qualified rate paid monthly on balances up to $50,000 when monthly qualifications on linked Kasasa Cash or Kasasa Cash Back checking are met.
Qualified rate · 1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for KASASA Saver Balance APY Up to $50,000Your amount 1.00% $50,001 and upQualified rate paid on portion of average daily balance over $50,000 when monthly qualifications are met, resulting in a blended APY. 0.25% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Linked Kasasa Cash or Kasasa Cash Back account and electronic delivery of statements required. Maximum one account per social security number. Qualifications per monthly cycle: at least 10 debit card purchases post and settle, enroll in and log into online banking.
Offer: When Kasasa Cash or Kasasa Cash Back qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 1.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and upWhen Kasasa Cash or Kasasa Cash Back qualifications are met; 0.15%* Rate checked
More details - RiverFall Credit UnionFree Kasasa SaverSavings · $0 min · 0.50%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Requires a linked Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes checking account. Automatic transfer of cash rewards. Dividends computed on average daily balances and credited on the last day of current statement cycle.
Offer: Qualifying for Kasasa Cash or Kasasa Cash Back rewards during Monthly Qualification Cycle (at least 12 debit card purchases post and settle, enrolled in and log into online banking).
Qualified rate · 1.00% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and upQualifying for Kasasa Cash or Kasasa Cash Back rewards. 0.50% Rate checked
More details - Avadian Credit UnionPremium Money Market AccountPremium Money Market Account · $10,000 min · 0.30%–2.50% by balance
Credit union · 12 branches
1.00%APY$100 a year on $10,000Requirements
Product: Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Requires a savings account to establish credit union membership.
Offer: Interest paid monthly. Once a particular range is met, the APY applies to the full balance.
Effective Oct 30, 2025
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 2.50% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.50% $1,000,000 and up 2.50% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 9 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Union State BankHigh Performance Money Market AccountHigh Performance Money Market Account · $0 min
Bank · 6 branches
0.90%APY$90 a year on $10,0000.90% interest rate · Balance cap $24,999 · Effective Mar 1, 2026
Rate checked
More details - AlaTrust Credit UnionAsset Money MarketAsset Money Market · $2,500 min · 0.75%–2.00% by balance
Credit union · 3 branches
0.85%APY$85 a year on $10,000Effective Feb 11, 2026
Rate by balance
Rate by balance for Asset Money Market Balance APY $2,500 – $9,999 0.75% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 1.00% $50,000 – $74,999 1.20% $75,000 – $99,999 1.25% $100,000 and up 2.00% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.
Offer: A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.
Compounded quarterly · Effective Sep 30, 2026
Rate checked
More details - RiverFall Credit UnionMoney Market AccountsMoney Market Accounts · $10,000 min · 0.75%–3.04% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends on accounts are computed on average daily balances and posted at month end. Up to 3 withdrawals/transactions per month.
0.75% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY $10,000 and upYour amount 0.75% $25,000 and up 1.01% $50,000 and up 1.26% $100,000 and up 3.04% 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 Birmingham, AL metro
121 accounts at 40 banks and credit unions · checked Oct 15–22
- Typical
- 0.25%
- Top 10% from
- 2.25%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches