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 Decatur, IN metro
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 1.58%APY$158 a year on $10,000with conditions
Requirements
Product: Must have an open Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account that remains open throughout holding this account. Linked checking interest automatically transferred to savings.
Offer: Qualifying rate on daily balances of $100,000 or less when enrolled in eStatements via Online Banking and all three checking qualifiers are met (minimum 20 Debit MasterCard transactions post and settle, minimum $500 direct deposit or ACH debit/credit post and settle, combined total of $25,000 or more in personal deposit accounts/loan relationships).
Qualified rate · 1.57% interest rate · No monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Loyalty Rewards Savings Balance APY Up to $100,000Your amount 1.58% $100,000 and up 0.07% Rate checked
More details - 1.03%APY$103 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Schedule table rate for balance $0 - $99,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
1.02% interest rate · $3 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 1.03% $100,000 – $250,000 1.13% $250,000 – $500,000 1.34% $500,000 and up 1.46% Rate checked
More details - 3Rivers Federal Credit UnionMoney MarketMoney Market · $5,000 min · 1.00%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: A $5,000 minimum balance is required to open. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate and a $10 monthly maintenance fee is incurred. If the balance falls below the minimum for the tier, the rate drops to lower tier. Daily compounding credited monthly.
Offer: A $10 monthly maintenance fee will be incurred on balances less than $5,000.
0.99% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 – $45,000 1.10% $45,000 – $65,000 1.20% $65,000 – $85,000 1.30% $85,000 – $125,000 1.40% $125,000 and up 1.50% Rate checked
More details - 0.97%APY$97 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Paid on entire balance for daily balance $99,999.99 or less. $3 monthly fee waived on balances of $300 or more.
0.97% interest rate · $3 monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 0.97% $100,000 – $250,000 1.08% $250,000 – $500,000 1.29% $500,000 and up 1.41% Rate checked
More details - 0.92%APY$92 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Footnote prose rate for daily balance $99,999.99 or less. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
0.92% interest rate · $3 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 0.92% $100,000 – $250,000 1.03% $250,000 – $500,000 1.24% $500,000 and up 1.36% Rate checked
More details - 3Rivers Federal Credit UnionMoney PlusMoney Plus · $10,000 min · 0.55%–0.85% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: A $10,000 minimum balance is required to open. May issue up to 3 checks per month. If balance falls below $10,000 any time during the month, dividend rates become equal to stated Standard Savings rate and a $15 monthly maintenance fee is incurred. Daily compounding credited monthly.
Offer: A $15 monthly maintenance fee will incur for balances falling below $10,000.
0.55% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Plus Balance APY $10,000 – $35,000Your amount 0.55% $35,000 – $75,000 0.60% $75,000 – $125,000 0.70% $125,000 – $500,000 0.75% $500,000 and up 0.85% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends are compounded daily and paid quarterly. Rate declared quarterly by Board of Directors.
Offer: Dividends compounded daily and paid quarterly.
0.50% interest rate · Compounded daily
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends calculated on daily balance, compounded monthly, credited monthly. Monthly fee is $5, waived if any of the following apply: receive eStatements, minimum daily balance of at least $500, individual combined relationship balance of at least $2,500, account is 60 days old or less, primary owner is under age 18, or primary owner of an active 3Rivers consumer checking account.
Offer: Monthly fee of $5 waived with eStatements, $500 daily account balance, $2,500 combined relationship balance, account age <= 60 days, owner under age 18, or active consumer checking ownership.
0.10% interest rate · Compounded monthly · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Mercer Savings BankMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.20% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000Requirements
Product: The interest rates and Annual Percentage Yields (APYs) for the accounts below are variable and may change after the account is opened. Daily Balance Range indicates the balance required to earn the stated Annual Percentage Yield (APY). Annual Percentage Yield (APY) is accurate as of the effective date shown. Fees may reduce earnings on the account.
0.05% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $3,000 0.05% $3,000 – $50,000Your amount 0.07% $50,000 – $250,000 0.15% $250,000 and up 0.20% Rate checked
More details - 0.07%APY$7 a year on $10,000with conditions
Requirements
Product: Must have an open Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account that remains open throughout holding this account. Linked checking interest automatically transferred to savings.
Offer: Base rate paid on entire account balance when Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking qualifiers have not been met during the monthly statement cycle.
Qualified rate · 0.07% interest rate · No monthly fee · Effective Jun 10, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership at ProFed required. Primary membership savings requires the purchase of a $5.00 par value share ($10.00 for joint). Must maintain a minimum daily balance of $125.00 to earn dividends. Unlimited transactions.
Offer: $5.00 opening minimum balance for individual ($10.00 joint). Must maintain minimum daily balance of $125.00 to earn dividends. Dividend rate 0.05% compounded monthly.
0.05% interest rate · Compounded monthly · No monthly fee · Effective Apr 1, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Subsequent savings accounts have no minimum balance to open or maintain. Must maintain a minimum daily balance of $125.00 to earn dividends. Unlimited transactions.
Offer: $0.00 minimum to open or maintain. Must maintain minimum daily balance of $125.00 to earn dividends. Dividend rate 0.05% compounded monthly.
0.05% interest rate · Compounded monthly · No monthly fee · Effective Apr 1, 2024
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 Decatur, IN metro
16 accounts at 6 banks and credit unions · checked Oct 9–17
- Typical
- 0.30%
- Top 10% from
- 1.31%
- Banks, typical
- 0.51%
- Credit unions, typical
- 0.30%
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Decatur, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 1 branch