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 Gainesville, GA metro
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - MyGeorgia Credit UnionMy Money MarketMy Money Market · $0 min · 0.00%–3.04% by balance
Credit union · 3 branches
2.27%APY$227 a year on $10,000Requirements
Product: Minimum $2,000.00 balance to earn dividends. First 50 checks free. Subject to withdrawal fee for each account debit after 6 per month. Dividends paid monthly. Rates are variable and may change after account is opened.
Offer: Average daily balance tier $0 - $1,999.99. Rate is 0%.
0.00% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for My Money Market Balance APY Up to $2,000 0.00% $2,000 – $10,000Rate is 2.00%. 2.02% $10,000 – $25,000Your amountRate is 2.25%. 2.27% $25,000 – $75,000Rate is 2.75%. 2.79% $75,000 and upRate is 3.00%. 3.04% Rate checked
More details - Associated Credit UnionRegular Money Market AccountRegular Money Market Account · $1,000 min · 0.50%–2.75% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000intro rateRequirements
Product: Minimum opening deposit is $1,000. Uses Tiers 2-5. Must maintain a $1,000 average daily balance monthly to earn interest. No early withdrawal penalty except loss of interest if average daily balance falls below $1,000.
Offer: Tier 2. Monthly compounding and monthly dividend frequency. Good through October 31, 2026. Must maintain a $1,000 average daily balance monthly to earn interest.
Promotional rate · 0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Money Market Account Balance APY $1,000 – $4,999 0.50% $5,000 – $9,999Tier 3. 0.50% $10,000 – $99,999Your amountTier 4. 1.25% $100,000 and upTier 5. 2.75% Rate checked
More details - MyGeorgia Credit UnionShare Savings AccountSavings · $100 min · 0.25%–0.85% by balance
Credit union · 3 branches
0.85%APY$85 a year on $10,000Requirements
Product: Includes Elite Club. Dividends paid quarterly. Rates are variable and may change after account is opened. Money Market and Share accounts are subject to withdrawal fee for each account debit after 6 per month. ATM card access has $1 fee for each savings withdrawal.
Offer: Quarterly dividend rate.
0.25% interest rate · Effective Dec 31, 2024
Rate by balance
Rate by balance for Share Savings Account Balance APY $100 – $1,000 0.25% $1,000 – $5,000 0.35% $5,000 – $10,000 0.55% $10,000 and upYour amount 0.85% Rate checked
More details - Georgia's Own Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–3.50% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Minimum opening deposit is $2,500. Rates are variable and subject to change without notice. Dividends compounded monthly. Minimum balance of $2,500 required to earn dividends. $10 monthly service charge if minimum daily balance falls below $2,500.
Offer: Minimum balance of $2,500 required to earn dividends. Monthly service charge of $10 applies if daily balance drops below $2,500 (waived with daily balance of $2,500 or more). Dividends compounded monthly.
Compounded monthly · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 1.95% $250,000 – $500,000 2.25% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.50% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 6 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 - Lanier Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–3.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Five tiered account. Dividends compounded monthly and credited monthly based on average daily balance; rates may change monthly. No monthly fee if within 6 transactions per month and maintaining a $1,000 daily balance; otherwise $10 monthly fee. Minimum withdrawal is $100 per check/withdrawal.
Offer: Tier: $1,000 - $24,999. Minimum balance to earn APY is $1,000. Fee waived if staying within 6 transactions per month and maintaining $1,000 daily balance.
Compounded monthly · $10 monthly fee · Effective May 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $24,999Your amount 0.50% $25,000 – $99,999 2.00% $100,000 – $149,999 2.25% $150,000 – $249,999 2.50% $250,000 and up 3.00% Rate checked
More details - Delta Community Credit UnionPersonal Money Market AccountPersonal Money Market Account · $1,000 min · 0.30%–2.15% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: $5.00 opening and minimum balance required. Minimum balance to earn dividends is $1,000.00. No monthly fee. Free ATM card. No early withdrawal penalty.
Offer: Minimum balance to earn dividends is $1,000.00. No monthly fees.
0.30% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY $1,000 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.70% $100,000 – $250,000 0.85% $250,000 – $500,000 1.00% $500,000 – $1,000,000 1.35% $1,000,000 and up 2.15% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open with $5 deposit. Dividends paid monthly. Membership in Delta Community Credit Union required.
Offer: Rates may vary after account is opened. $5.00 minimum deposit / minimum balance required.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary savings account to keep funds separate from primary savings. No minimum deposit required. Earns the same dividend rate as Primary Savings.
Offer: Earns the same dividend rate as Primary Savings.
0.25% interest rate · No monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - Lanier Federal Credit UnionRegular Savings AccountSavings · $5 min · 0.12%–0.18% by balance
Credit union · 2 branches
0.12%APY$12 a year on $10,000Requirements
Product: Dividends compounded quarterly and credited quarterly based on average daily balance.
Compounded quarterly · Effective May 1, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY Up to $24,999Your amount 0.12% $25,000 – $99,999 0.15% $100,000 – $149,999 0.18% $150,000 and up 0.18% Rate checked
More details - 0.10%APY$10 a year on $10,000intro rate
Requirements
Product: Rates are variable and subject to change without notice.
Offer: Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month.
Promotional rate · 0.10% interest rate
Rate by balance
Rate by balance for i[save] Balance APY Up to $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 and up 0.20% Rate checked
More details - Georgia's Own Credit UnionPrimary SavingsSavings · $5 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Must enroll in eStatements to avoid $5 per Mailed Statement Fee. Minimum balance of $5 represents refundable share deposit required for membership. Rates are variable and subject to change without notice.
Offer: Rates are variable and subject to change without notice. Excess Withdrawal Fee of $5.00 per item if more than six withdrawals/transfers per month.
0.10% interest rate
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 and up 0.20% 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 Gainesville, GA metro
37 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.06%
- Top 10% from
- 1.01%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.30%
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Gainesville, GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lanier Federal Credit UnionCredit union · 2 branches
- MyGeorgia Credit UnionCredit union · 3 branches
- Associated Credit UnionCredit union · 1 branch