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 46–60 results in Phoenix, AZ metro
- Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 11 branches
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - AERO FinancialMoney Market AccountMoney Market Account · $5,000 min · 1.00%–4.00% by balance
Credit union · 7 branches
1.00%APY$100 a year on $10,000Requirements
Product: Open with as little as a $5 deposit. No monthly fees or term limits. Must maintain a balance of $5,000 in the account to obtain the disclosed APY. Tiered variable rate account; dividends compound monthly.
Offer: Must maintain a balance of $5,000 in the account to obtain the disclosed APY. Compounding monthly. Variable rate.
1.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.85% $50,000 – $1,000,000 2.10% $1,000,000 and up 4.00% Rate checked
More details - KS StateBankAdvantage Money MarketAdvantage Money Market · $2,500 min · 0.35%–3.04% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires a $2,500 minimum opening deposit. No monthly service charge. Uses daily balance method to calculate interest. Includes up to 6 withdrawals per month at no charge ($5 per additional withdrawal). Avoid the $2 paper statement fee by enrolling in online banking and e-statements. Minors aged 12 to 17 are eligible with a parent or legal guardian as joint account holder.
Offer: Tier applies to balances from $0.01 to $2,499.99. Avoid $2 paper statement fee with e-statements.
0.35% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.35% $2,500 – $25,000Your amount 1.00% $25,000 – $100,000 2.02% $100,000 and up 3.04% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: No minimum balance requirements. No monthly service charge. Minors under 18 require a parent or legal guardian as a co-owner. Up to 6 withdrawals per month at no charge ($5 fee per additional withdrawal). Avoid $2 paper statement fee with e-statements.
Offer: Minimum balance to obtain the APY is $0.01. Interest calculated using daily balance method. Avoid the $2 paper statement fee by enrolling in online banking and e-statements.
1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Pima Federal Credit UnionMoney Market Savings AccountMoney Market Savings Account · $1,000 min · 1.00%–4.00% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Maintaining a balance of $1,000 earns tiered APY rates. Rates may change monthly after the account is opened as determined by the Board of Directors. Dividends credited monthly.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $1,000 – $100,000Your amount 1.00% $100,000 – $250,000 1.20% $250,000 – $500,000 3.00% $500,000 and up 4.00% Rate checked
More details - Goldwater BankMONEY MARKET PLUS PERSONALMONEY MARKET PLUS PERSONAL · $1,000 min · 1.00%–1.10% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.
Offer: Tier: Daily Balance of up to $99,999.99; minimum balance to obtain APY is $0.01.
1.00% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for MONEY MARKET PLUS PERSONAL Balance APY Up to $100,000Your amount 1.00% $100,000 and up 1.10% Rate checked
More details - 0.95%APY$95 a year on $10,000
Requirements
Product: Monthly maintenance fee of $6.99 is waived with a $200 minimum daily balance or for individuals age 55 and over.
Offer: Benefits Banking Loyalty Program Gold Tier (Base Interest Rate + 0.40%). Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.95% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - TruWest Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.10%–2.00% by balance
Credit union · 8 branches
0.90%APY$90 a year on $10,000Requirements
Product: Must be a TruWest member with a minimum $5 balance in Share Savings required to be eligible for services. Additional opening deposit of $10,000 for Money Market. No minimum balance required after opening. No monthly service fee.
No monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.90% $25,000 – $49,999 1.00% $50,000 – $99,999 1.35% $100,000 – $249,999 1.65% $250,000 and up 2.00% Rate checked
More details - Arizona Central Credit UnionMoney MarketMoney Market · $1,000 min · 0.80%–2.12% by balance
Credit union · 5 branches
0.90%APY$90 a year on $10,000Requirements
Product: Tiered account. Limited to 6 electronic withdrawals per month (3 withdrawals per month at no charge). Monthly service fee of $15 applies if average daily balance of $1,000 is not maintained.
Offer: No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
0.80% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.90% $50,000 – $100,000 1.51% $100,000 – $250,000 2.12% $250,000 and up 2.12% Rate checked
More details - Desert FinancialMoney MarketMoney Market · $2,000 min · 0.75%–2.75% by balance
Credit union · 46 branches
0.85%APY$85 a year on $10,000Requirements
Product: Must meet Desert Financial's membership eligibility and credit qualification requirements. Must maintain a Membership Savings account.
Offer: Must maintain a minimum daily balance of $2,000 to earn dividends and to avoid paying a $15 monthly low-balance fee. Rate is variable and may change after opening.
0.75% interest rate · $15 monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $9,999 0.75% $10,000 – $24,999Your amountMust maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 0.85% $25,000 – $49,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 1.00% $50,000 – $99,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 1.60% $100,000 – $249,999Must maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 2.25% $250,000 and upMust maintain a minimum daily balance of $2,000 to avoid paying a $15 monthly low-balance fee. 2.75% Rate checked
More details - 0.85%APY$85 a year on $10,000intro rate
Requirements
Product: Open with as little as $50. Deposits contribute towards sustainable energy, affordable housing, and nonprofits. Rates are accurate as of 10/1/2026 and subject to change at any time. Fees may reduce earnings.
Offer: Rate applies if balance is less than or equal to $99,999.99.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Impact Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - Stearns BankAbove the Norm Personal Market SavingsSavings · $50 min · 0.85%–2.99% by balance
Bank · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Open a savings account with as little as $50. Rates are accurate as of 10/1/2026 and subject to change at any time, including after account opening. Fees may reduce earnings.
Offer: A balance of $0.01 is needed to earn the APY. Rate applies if balance is $99,999.99 or less.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Above the Norm Personal Market Savings Balance APY Up to $100,000Your amount 0.85% $100,000 – $500,000 1.97% $500,000 and up 2.99% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 40 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Check writing available. Monthly maintenance fee of $12.99 is waived with a $1,000 minimum daily balance.
Offer: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $12.99 waived with $1,000 minimum daily balance.
0.70% interest rate · $12.99 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Investment Savings Balance APY Up to $5,000 0.70% $5,000 – $10,000 0.73% $10,000 – $50,000Your amount 0.75% $50,000 – $100,000 0.93% $100,000 and up 0.95% Rate checked
More details - BOK FinancialPremier Money MarketPremier Money Market · $50 min · 0.15%–2.50% by balance
Bank · 4 branches
0.75%APY$75 a year on $10,000Requirements
Product: $15 monthly maintenance fee waived by maintaining $10,000 average collected balance for the month. $50 opening deposit required. Earn 0.05% higher interest rate with a Premier or Select Checking account relationship. Free incoming domestic wires and check writing privileges.
0.15% interest rate · $15 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000 and up 2.50% 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