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 61–75 results in Phoenix, AZ metro
- Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 7 branches
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - Copper State Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.10%–2.50% by balance
Credit union · 6 branches
0.75%APY$75 a year on $10,000Requirements
Product: No fees and no minimum balance requirements. Rates are subject to change after opening. Fees may reduce earnings.
Offer: Dividend rates are subject to change after the account is opened. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.60% $100,000 – $250,000 2.25% $250,000 and up 2.50% Rate checked
More details - Armed Forces BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.65%–1.75% by balance
Bank · 1 branch
0.70%APY$70 a year on $10,000intro rateRequirements
Product: A monthly service charge of $10 applies if balance falls below $1,000 on any day of the statement period. Closing account within 90 days of opening incurs a $25 fee.
Offer: Standard tier rate. Monthly service charge of $10 is waived if a $1,000 minimum balance is maintained per monthly statement cycle.
Promotional rate · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.65% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.80% $50,000 – $100,000 0.90% $100,000 – $250,000 1.25% $250,000 and up 1.75% Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share Account (MMSA)Money Market Share Account (MMSA) · $2,500 min · 0.70%–1.51% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Applicants must have established membership through a Regular Share Account (S1). Minimum balance requirement is $2,500. Up to 6 telephone or electronic transfers allowed per calendar month.
Offer: Must maintain a daily balance of $2,500 to obtain disclosed APY. No service fees.
0.70% interest rate
Rate by balance
Rate by balance for Money Market Share Account (MMSA) Balance APY $2,500 – $25,000Your amount 0.70% $25,000 – $100,000 0.95% $100,000 – $350,000dividend rate stated for $100,000 to $349,999.99. 1.36% $350,000 and up 1.51% Rate checked
More details - Interfaith Federal Credit UnionMoney Market Multiplier AccountMoney Market Multiplier Account · $2,000 min · 0.50%–0.60% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Minimum balance of $2,000 to earn dividends and avoid fee. Dividends compounded and credited monthly. Allows up to 3 checks and 3 transfers per month. A $15 fee applies if balance falls below $2,000 or if more than 6 transactions occur in a monthly period.
Offer: Dividends paid monthly as long as balance does not fall below $2,000. There is a $15 fee if the account drops below $2,000 minimum.
0.50% interest rate · $15 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Multiplier Account Balance APY $2,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.55% $50,000 – $99,999 0.60% $100,000 and up 0.60% Rate checked
More details - 0.55%APY$55 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: Base Rate (Consumer Rate Sheet) / Benefits Banking Loyalty Program Bronze Tier and Silver Tier APY. Monthly fee of $6.99 waived with $200 minimum daily balance or for individuals age 55 and over.
0.55% interest rate · $6.99 monthly fee · Effective Oct 16, 2026
Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 18 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Extends NCUA share insurance coverage while earning tiered dividend returns.
Offer: Balance tier < $100,000.
0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Extended Insurance Sweep Balance APY Up to $100,000Your amount 0.50% $100,000 – $249,999 2.75% $250,000 – $499,999 2.90% $500,000 – $999,999 3.00% $1,000,000 and up 3.05% Rate checked
More details - Gateway BankPersonal Money MarketPersonal Money Market · $1,000 min · 0.50%–1.11% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit $1,000. Minimum balance to avoid $10 monthly service charge is $1,000. Minimum balance to obtain APY is based on tier levels.
Offer: Money Market with up to $24,999. Minimum balance to avoid $10 monthly service charge is $1,000.
0.50% interest rate · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $24,999Your amount 0.50% $25,000 – $50,000Money Market with $25,000-$49,999.99. 0.75% $50,000 – $100,000Money Market with $50,000-$99,999.99. 1.00% $100,000 – $249,999Money Market with $100,000-$249,999. 1.06% $250,000 and upMoney Market with $250,000 and above. 1.11% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No minimum balance requirement. Low minimum opening deposit ($100).
Offer: Balances below $50.00 will not earn interest except minor savings accounts that earn interest on total balance. No minimum balance to avoid service charge.
0.50% interest rate · No monthly fee · Effective Oct 3, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available online or at local branches. Interest calculated daily. Up to 9 withdrawals per quarter free, $1.25 for each additional debit. $9.00 quarterly service fee waived with a minimum balance of $200.
Offer: Rates listed are available for accounts opened online only and may differ for accounts opened at a local branch. Rates are effective as of today's date and are subject to change. $9.00 service charge per statement quarter if balance falls below $200.
Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Three qualifiers required for premium rate: at least 1 automatic ACH payment or ACH direct deposit post and clear per qualification cycle, at least 12 debit card transactions post and clear per qualification cycle, and enroll and receive electronic statements. Earns base rate of 0.20% APY on all balances if qualifications are not met.
Offer: Qualifying rate tier for balances up to $50,000 when all 3 qualifiers are met.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Kasasa® Saver Balance APY Up to $50,000Your amount 0.50% Over $50,000 0.20%* Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 18 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 18 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 18 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% 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