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 Phoenix, AZ metro
- 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: With Direct Deposit ($1,000+ monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking account).
Qualified rate · No monthly fee
Rate checked
More details - Arizona Financial Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.20%–3.40% by balance
Credit union · 15 branches
2.75%APY$275 a year on $10,000Requirements
Product: Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No monthly fee.
Offer: Minimum $25 to earn APY.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY $25 and up 0.20% $10,000 and upYour amountMinimum $10,000 to earn APY. 2.75% $25,000 and upMinimum $25,000 to earn APY. 2.80% $50,000 and upMinimum $50,000 to earn APY. 2.85% $100,000 and upMinimum $100,000 to earn APY. 2.90% $250,000 and upMinimum $250,000 to earn APY. 3.00% $500,000 and upMinimum $500,000 to earn APY. 3.10% $1,000,000 and upMinimum $1,000,000 to earn APY. 3.25% $2,000,000 and upMinimum $2,000,000 to earn APY. 3.40% Rate checked
More details - Southwest Airlines Federal Credit UnionLUV Fund Money MarketLUV Fund Money Market · $0 min · 2.25%–3.25% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: Membership in Southwest Airlines Federal Credit Union required. Dividends compound monthly. No minimum balance and no minimum to open.
Effective Aug 24, 2026
Rate by balance
Rate by balance for LUV Fund Money Market Balance APY Up to $10,000 2.25% $10,000 – $50,000Your amount 2.75% $50,000 and up 3.25% Rate checked
More details - Sierra Pacific Federal Credit UnionMoney MarketMoney Market · $0 min · 2.00%–3.25% by balance
Credit union · 1 branch
2.25%APY$225 a year on $10,0001.98% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 2.00% $10,000 – $25,000Your amount 2.25% $25,000 – $100,000 2.50% $100,000 – $150,000 3.00% $150,000 – $249,999 3.25% Rate checked
More details - American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 2 branches
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 18 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 5 branches
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% 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 - First American CUMoney Market AccountMoney Market Account · $1,500 min · 0.77%–1.76% by balance
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Dividends compounded and paid monthly, calculated on average daily balance. Earn dividends on all balances over $1,500. No monthly service fee.
Offer: Minimum $1,500 to open, $1,500 to earn dividends.
0.77% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,500 – $9,999 0.77% $10,000 – $99,999Your amount 1.76% $100,000 and up 1.20% Rate checked
More details - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: Standard rate without direct deposit requirement.
Qualified rate · No monthly fee
Rate checked
More details - Vantage West Credit UnionPremium SavingsSavings · $500 min · 0.30%–1.75% by balance
Credit union · 4 branches
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
Offer: Standard rate. No monthly maintenance fees.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Premium Savings Balance APY $500 – $10,000 0.30% $10,000 – $124,999Your amountRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. 1.75% $125,000 and upRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. 1.75% Rate checked
More details - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% 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 Phoenix, AZ metro
179 accounts at 66 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.35%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.25%
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Phoenix, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 5 branches
- AERO FinancialCredit union · 7 branches
- Goldwater BankBank · 1 branch