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 South Bend, IN-MI metro
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.
Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.
No monthly fee · Effective Mar 30, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: No fee with balances over $1,000.
Offer: Earn up to 3.75% APY. No fee with balances over $1,000.
Rate checked
More details - 3.37%APY$337 a year on $10,000with conditions
Requirements
Product: *Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.
Offer: Total dividend of 3.37% APY (includes additional bonus dividend of 2.87% APY). Requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account within the same membership, posted by 5:00 PM EST on the last business day of the month. $0.01 minimum deposit required.
Qualified rate · 2.87% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.35%APY$335 a year on $10,000with conditions
Requirements
Product: Part of the Connect Checking and Savings bundle. Connect Savings requires $0 to open in branch or $50 online. Earns tiered APY based on the number of qualified debit card transactions per statement cycle. If qualifications are not met, Connect Savings converts to Statement Savings.
Offer: Requires 25 or more qualified debit card transactions posted per statement cycle. Opening deposit is $0 in branch or $50 online.
Qualified rate · Effective Jul 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 2 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: Penalty-free withdrawal period is the 1st 5 days of each month. Withdrawals outside this window incur a 15-day dividend penalty.
Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. Penalty-free withdrawal period is the 1st 5 days of each month; otherwise withdrawal penalty is 15 days dividends.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 2 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - United Federal Credit UnionElevate Money MarketElevate Money Market · $0 min · 0.00%–3.50% by balance
Credit union · 3 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.00% $100,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.25% $250,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.50% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.
Offer: No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.
Qualified rate · 2.96% interest rate · No monthly fee
Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: Part of the Connect Checking and Savings bundle. Connect Savings requires $0 to open in branch or $50 online. Earns tiered APY based on the number of qualified debit card transactions per statement cycle. If qualifications are not met, Connect Savings converts to Statement Savings.
Offer: Requires 16 - 24 qualified debit card transactions posted per statement cycle. Opening deposit is $0 in branch or $50 online.
Qualified rate · Effective Jul 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Lake City BankInvestor’s Money MarketInvestor’s Money Market · $5,000 min · 0.00%–1.45% by balance
Bank · 4 branches
1.35%APY$135 a year on $10,000Requirements
Product: Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.
Offer: Paid on balances up to $4,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.
$10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investor’s Money Market Balance APY Up to $5,000 0.00% $5,000 – $10,000 1.35% $10,000 – $20,000Your amount 1.35% $20,000 – $50,000 1.35% $50,000 – $100,000 1.40% $100,000 and up 1.45% Rate checked
More details - 1.26%APY$126 a year on $10,000with conditions
Requirements
Product: Must have a share savings account ($5 minimum deposit) to be a member and qualify. Unlimited electronic withdrawals and deposits; not subject to Regulation D withdrawal limitations or fees.
Offer: Monthly requirements met: maintain a Circle FCU checking account, complete at least one debit card transaction (PIN, signature, or POS) during the month, and receive at least $50 in ACH deposits into any eligible sub account under membership (excluding primary 000 Share Savings).
Qualified rate · 1.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - INOVA Federal Credit UnionShield Money MarketShield Money Market · $0 min · 1.25%–4.00% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Must have a Shield Checking Account to be eligible to open. To receive the higher dividend rate/APY across the entire balance, Shield Checking requirements must be met: complete at least 8 debit card transactions per statement period and maintain an average daily balance greater than $3,500.00. Otherwise, the standard rate (0.01% APY) applies. Daily Balance Method is used to calculate interest. No minimum or maximum deposit requirements.
Offer: Qualifying rate tier when Shield Checking requirements are met.
Qualified rate · 1.24% interest rate · No monthly fee
Rate by balance
Rate by balance for Shield Money Market Balance APY Up to $50,000Your amount 1.25% $50,000 – $100,000 1.75% $100,000 – $250,000 3.50% Over $250,000 4.00% 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 South Bend, IN-MI metro
83 accounts at 23 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 3.00%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.15%
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South Bend, IN-MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 7 branches
- TLCU FinancialCredit union · 1 branch
- Everwise Credit UnionCredit union · 10 branches