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 Richmond, IN metro
- 3.75%APY$375 a year on $10,000
Requirements
Product: No minimum balance requirements; no hidden fees; limited to 6 preauthorized transfers or withdrawals per monthly statement cycle.
Offer: No minimum balance to earn APY. APY may change after account opening.
Effective Sep 17, 2026
Rate checked
More details - Kemba Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–3.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly service fee. 6 free transactions per month. Dividends calculated by the daily balance method.
1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 2.00% $25,000 – $74,999 2.25% $75,000 – $149,999 2.50% $150,000 – $249,999 2.75% $250,000 and up 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash checking account. Monthly dividends and ATM fee refunds from Kasasa Cash are automatically transferred to Kasasa Saver. No monthly maintenance fees.
Offer: Base rate applied to entire balance if monthly qualifications in linked Kasasa Cash account are not met.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.10% Up to $10,000Your amountQualifying rate when monthly qualifications are met in linked Kasasa Cash account (at least 10 debit card purchases post and settle, at least one ACH/direct deposit post and settle, and enrolled in eStatements). 2.00% Over $10,000 Unknown 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 - Wayne BankSilver Eagle Money Market AccountSilver Eagle Money Market Account · $50 min · 1.02%–3.05% by balance
Bank · 4 branches
1.02%APY$102 a year on $10,000Requirements
Product: Minimum daily balance of $500 to avoid fee. Limited to 6 third-party withdrawals or transfers by check, ATM card or similar payable per month.
Offer: No minimum balance to obtain APY.
1.01% interest rate · Effective Jun 26, 2026
Rate by balance
Rate by balance for Silver Eagle Money Market Account Balance APY Up to $25,000Your amount 1.02% $25,000 – $50,000 1.05% $50,000 – $100,000 1.05% $100,000 – $250,000 2.02% $250,000 – $500,000 2.12% $500,000 – $1,000,000 2.58% $1,000,000 and up 3.05% Rate checked
More details - 3Rivers Federal Credit UnionMoney MarketMoney Market · $5,000 min · 1.00%–1.50% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: A $5,000 minimum balance is required to open. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate and a $10 monthly maintenance fee is incurred. If the balance falls below the minimum for the tier, the rate drops to lower tier. Daily compounding credited monthly.
Offer: A $10 monthly maintenance fee will be incurred on balances less than $5,000.
0.99% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 – $45,000 1.10% $45,000 – $65,000 1.20% $65,000 – $85,000 1.30% $85,000 – $125,000 1.40% $125,000 and up 1.50% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $2,500 minimum balance requirement. Limited check writing ability. Penalty for early withdrawal may apply.
Offer: Penalty for early withdrawal may apply
Effective Oct 1, 2026
Rate checked
More details - 3Rivers Federal Credit UnionMoney PlusMoney Plus · $10,000 min · 0.55%–0.85% by balance
Credit union · 3 branches
0.55%APY$55 a year on $10,000Requirements
Product: A $10,000 minimum balance is required to open. May issue up to 3 checks per month. If balance falls below $10,000 any time during the month, dividend rates become equal to stated Standard Savings rate and a $15 monthly maintenance fee is incurred. Daily compounding credited monthly.
Offer: A $15 monthly maintenance fee will incur for balances falling below $10,000.
0.55% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Plus Balance APY $10,000 – $35,000Your amount 0.55% $35,000 – $75,000 0.60% $75,000 – $125,000 0.70% $125,000 – $500,000 0.75% $500,000 and up 0.85% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Minimum balance is $7,500.00. If balance falls below $7,500.00, no interest is earned, and a $10 monthly fee is assessed until the balance returns to the minimum. No checking/debit card access. Account transfer and withdrawal limitations apply.
Offer: Dividends are paid monthly and calculated from day of deposit to day of withdrawal. $10 monthly fee applies if balance falls below $7,500.00.
0.55% interest rate · $10 monthly fee
Rate checked
More details - Perfect Circle Credit UnionDiamond Money MarketDiamond Money Market · $2,500 min · 0.30%–0.50% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Minimum opening deposit $2,500. Withdrawal/transfer limit of 6 per month per preauthorized, automatic, telephonic, or mobile channels. $20 monthly fee assessed if balance falls below $2,500 until balance returns to minimum.
Offer: Tier 3: $2,500.00 to $9,999.99.
0.30% interest rate
Rate by balance
Rate by balance for Diamond Money Market Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - HCP Credit UnionBasic Share Savings AccountSavings · $5 min · 0.05%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: A $5.00 minimum balance must be maintained at all times to ensure access to all of the services and benefits that the credit union offers.
Offer: Balance < $1000
0.05% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Basic Share Savings Account Balance APY Up to $1,000 0.05% $1,000 and upYour amount 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary membership share savings account. Dividends paid quarterly. No monthly maintenance fees.
No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $100 0.05% $100 – $1,000 0.10% Over $1,000Your amount 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Separate secondary savings account for specific savings goals. No minimum balance required. No monthly maintenance fees.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000with conditions
Requirements
Product: Designed to help build your nest egg by paying a higher interest rate on a lower balance. Requires an automatic transfer from your Fit Checking. Minimum to open $0.
Offer: Automatic transfer from Fit Checking required.
Qualified rate · 0.50% interest rate
Rate by balance
Rate by balance for Fit Savings Balance APY Up to $1,000 0.50% Over $1,000Your amountStated APY range on schedule is .50% - .25% APY* with 0.25% interest rate for $1000.01 or more. 0.25% 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 Richmond, IN metro
28 accounts at 10 banks and credit unions · checked Oct 6–16
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.40%
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Richmond, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Merchants BankBank · 2 branches