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 31–45 results in Birmingham, AL metro
- 0.70%APY$70 a year on $10,000
Requirements
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 checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rate account. $10 minimum balance fee imposed every month the daily balance falls below $2,500.00. Six free withdrawals or transfers per statement cycle ($2 per transaction over 6). Applicant must be 18 years of age or older.
Offer: Tier 1: Daily balances of $0.00 to $2,499.99 earn 0.00% interest rate and 0.00% APY. Monthly fee of $10 applies if daily balance falls below $2,500.00.
0.00% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Tiered Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.65% $10,000 – $100,000Your amount$10 fee waived if daily balance remains at or above $2,500.00. 0.65% $100,000 – $250,000$10 fee waived if daily balance remains at or above $2,500.00. 0.70% $250,000 and up$10 fee waived if daily balance remains at or above $2,500.00. 0.75% Rate checked
More details - Mutual Savings Credit UnionSelect Money MarketSelect Money Market · $2,500 min · 0.65%–2.00% by balance
Credit union · 4 branches
0.65%APY$65 a year on $10,000Requirements
Product: Membership eligibility requirements apply.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Select Money Market Balance APY $2,500 – $25,000Your amount 0.65% $25,000 – $75,000 1.25% $75,000 – $100,000 1.50% Over $100,000 2.00% Rate checked
More details - Social Security Credit UnionSuper Money MarketSuper Money Market · $2,500 min · 0.55%–0.65% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: All members must open a Share/Savings Account before being offered services. Write up to three (3) checks per month. Variable Rate Account - Rate subject to change; fees may reduce earnings.
Offer: Variable Rate Account - Rate subject to change. Fees may reduce earnings.
0.55% interest rate
Rate by balance
Rate by balance for Super Money Market Balance APY $2,500 – $9,999 0.55% $10,000 and upYour amount 0.65% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: A $25 opening balance establishes membership. Dividends paid monthly, no service fee. Rates are declared by the Board of Directors and subject to change.
Offer: Compounded monthly. Dividends paid monthly, no service fee. Rates are declared by the Board of Directors and subject to change.
0.60% interest rate · Compounded monthly · No monthly fee · Effective May 1, 2026
Rate checked
More details - Alabama Central CUMoney Market AccountMoney Market Account · $2,500 min · 0.50%–0.80% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Opening minimum deposit of $2,500. Start earning dividends with a minimum balance of $2,500, with earnings compounded and credited monthly.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 – $49,999Your amount 0.60% $50,000 – $99,999 0.70% $100,000 and up 0.80% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Serves as the foundation of credit union membership and grants one share/vote. Dividends are declared at the end of each quarter, calculated on average daily balance, paid and compounded quarterly.
Offer: Minimum balance (par value) of $5.00 required to open and earn stated APY. Dividends calculated on average daily balance, paid and compounded quarterly.
Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% Rate checked
More details - BankFirst Financial ServicesSaver Savings + PERKSSavings · $100 min · 0.15%–0.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must have an Interest Checking + PERKS account to open a Saver Savings + PERKS account and the Interest Checking + PERKS account must remain open throughout the period that you hold the Saver Savings + PERKS account. Limit one Saver Savings + PERKS account per social security number.
Offer: Requires meeting linked Interest Checking + PERKS qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Saver Savings + PERKS Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must have an Interest Checking account to open a Saver Savings account and the Interest Checking account must remain open throughout the period that you hold the Saver Savings account. Limit one Saver Savings account per social security number.
Offer: Requires meeting linked Interest Checking qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Saver Savings Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - BankFirst Financial ServicesVIP Saver Savings + PERKSSavings · $100 min · 0.15%–0.50% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Must have a VIP Interest Checking + PERKS account to open a VIP Saver Savings + PERKS account and the VIP Interest Checking + PERKS account must remain open throughout the period that you hold the VIP Saver Savings + PERKS account. Limit one VIP Saver Savings + PERKS account per social security number.
Offer: Requires meeting linked VIP Interest Checking + PERKS qualification requirements during each Monthly Qualification Cycle: at least 20 POS debit card transactions of $5.00 or greater post and clear per cycle, and at least $500.00 cumulative direct deposits or $500.00 cumulative automatic payments post and clear per cycle.
Qualified rate · Effective Apr 22, 2026
Rate by balance
Rate by balance for VIP Saver Savings + PERKS Balance APY Up to $75,001Your amount 0.50% $75,001 and up 0.15% Rate checked
More details - Heritage South Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.30%–0.80% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Interest earned is dependent on the balance in the account.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $4,999 0.30% $5,000 – $10,000Your amount 0.50% $10,001 – $25,000 0.60% $25,000 and up 0.80% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Variable rate account, rate subject to change, fees may reduce earnings.
Offer: Must maintain a minimum average daily balance of $100.00 in account to obtain disclosed annual percentage yield.
0.45% interest rate
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: All members must open up a Share/Savings Account before being offered any services. Open with $25 ($25 that you must keep in the account at all times). Variable rate account, rate subject to change, fees may reduce earnings.
Offer: $25.00 minimum balance required; must maintain a minimum average daily balance of $100.00 in account to obtain the disclosed annual percentage yield.
0.45% interest rate
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Core savings account received with membership. Paid monthly. Member voting rights.
0.40% interest rate
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