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 Oak Harbor, WA metro
- 2.01%APY$201 a year on $10,000
Requirements
Offer: Required to earn APY. Maintain daily balance of $1,000 to avoid $8 fee.
2.00% interest rate · Effective Sep 21, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Coastal Community BankPersonal Money Market AccountsPersonal Money Market Accounts · $100 min · 0.28%–0.40% by balance
Bank · 1 branch
0.28%APY$28 a year on $10,000Requirements
Product: $10 monthly service fee waived with $1,500 minimum daily balance. Printed statements are $2.
Offer: Below $15,000.00. Minimum balance to maintain to obtain APY is $0.01. $10 monthly service fee waived with $1,500 minimum daily balance.
0.28% interest rate · $10 monthly fee · Effective Oct 1, 2024
Rate by balance
Rate by balance for Personal Money Market Accounts Balance APY Up to $15,000Your amount 0.28% $15,000 – $25,000Equal to or greater than $15,000.00 but less than $25,000.00. 0.28% $25,000 – $50,000Equal to or greater than $25,000.00 but less than $50,000.00. 0.31% $50,000 – $100,000Stated as 'Equal to or less than $50,000.00 but less than $100,000.00'. 0.35% $100,000 – $250,000Equal to or greater than $100,000.00 but less than $250,000.00. 0.40% $250,000 and upEqual to or great than $250,000.00. 0.40% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Global Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.20%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: No maintenance fee. Start earning dividends with a balance of $5,000. Dividends calculated daily and credited monthly.
0.20% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 and up 0.20% $10,000 and upYour amount 0.25% $25,000 and up 0.30% $50,000 and up 0.40% $100,000 and up 0.45% $250,000 and up 0.50% Rate checked
More details - Peoples BankPersonal Money MarketPersonal Money Market · $50 min · 0.20%–2.20% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: Minimum daily balance of $10,000 to avoid $10 monthly service charge. Limited to 10 free withdrawals per month; excess withdrawal fee of $5 per withdrawal over limit up to $20/month. Variable tiered rates.
Offer: Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings.
0.20% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $25,000Your amount 0.20% $25,000 – $99,999 0.70% $100,000 and up 2.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19 years of age). Limited to 10 free withdrawals per month; excess withdrawal fee of $5 per additional withdrawal (maximum charge $20/month). Rates are variable and subject to change after account opening.
Offer: All balances earn 0.10% APY. Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19). No minimum to earn interest.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.08%APY$8 a year on $10,000
Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in the areas served. No monthly maintenance fee. Minimum balance of $50 required to earn dividends. Dividends calculated daily and credited quarterly.
0.08% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · No monthly fee · Effective Sep 21, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: $5 monthly service fee is waived with a $300 minimum daily balance. Minimum balance to maintain to obtain the APY is $0.01.
0.05% interest rate · $5 monthly fee · Effective Oct 1, 2024
Rate checked
More details - Heritage BankCascade Money MarketCascade Money Market · $1,000 min · 0.03%–0.30% by balance
Bank · 5 branches
0.05%APY$5 a year on $10,0000.03% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Cascade Money Market Balance APY Up to $5,000 0.03% $5,000 – $10,000 0.03% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.08% $50,000 – $75,000 0.10% $75,000 – $100,000 0.15% $100,000 – $500,000 0.23% $500,000 and up 0.30% 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 Oak Harbor, WA metro
27 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 0.97%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.25%
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Oak Harbor, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 2 branches