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 Stillwater, OK metro
- 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - 2.90%APY$290 a year on $10,000
Requirements
Product: No monthly service charge with a $100 minimum ledger balance ($1 monthly fee for lower balances). $1.50 per withdrawal beginning with the third withdrawal during a calendar month (applies to teller withdrawals, paper drafts, and ACH items).
Offer: Collected balance of $100 required to earn interest. $1 monthly service fee waived with $100 minimum ledger balance.
2.86% interest rate · Balance cap $1,000,000 · $1 monthly fee
Rate checked
More details - 2.45%APY$245 a year on $10,000
Requirements
Product: Tiered-rate savings account with 5 separate rate tiers where rate increases with balance. Minimum daily collected balance of $1,000 for interest to accrue. No monthly service charge. $10 per withdrawal assessed beginning with the 7th withdrawal per statement cycle (applies to checks, teller withdrawals, paper drafts, and ACH items).
Offer: Balances through $999.99 earn 0.00% interest. $1,000 minimum daily collected balance required for interest to accrue.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Treasury Fund Account Balance APY Up to $1,000 0.00% $1,000 – $50,000Your amount 2.45% $50,000 – $250,000 2.80% $250,000 – $1,000,000 3.15% $1,000,000 and up 3.35% Rate checked
More details - First Oklahoma BankMoney Market AccountMoney Market Account · $2,500 min · 1.35%–2.00% by balance
Bank · 1 branch
1.35%APY$135 a year on $10,000Requirements
Product: Up to six free withdrawals per statement cycle. $1 charge for additional withdrawals. Maintain a $2,500 balance or more to avoid a monthly fee of $10.
Offer: Maintain a $2,500 balance or more to avoid a $10 monthly fee. Tiered interest paid monthly.
1.34% interest rate · $10 monthly fee · Effective Apr 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $50,000Your amount 1.35% $50,000 – $100,000 1.35% $100,000 – $250,000 1.35% $250,000 – $999,999 1.75% $1,000,000 and up 2.00% Rate checked
More details - Oklahoma Community Credit UnionMoney MarketMoney Market · $1,000 min · 1.15%–2.00% by balance
Credit union · 2 branches
1.20%APY$120 a year on $10,000Requirements
Product: Fees could reduce the earnings on the account.
1.14% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 1.15% $10,000 – $25,000Your amount 1.20% $25,000 – $50,000 1.50% $50,000 – $100,000 1.70% $100,000 and up 2.00% Rate checked
More details - 1.10%APY$110 a year on $10,000
Requirements
Product: Variable rate. Interest paid quarterly. $1 monthly service charge if balance falls below $50 (fee waived and no minimum balance for minors under 18 years). Minimum opening deposit is $50 ($10 for minors under 18 years).
Offer: Variable rate. Interest paid quarterly. $1 monthly service charge if daily balance is less than $50 (no monthly service charge or minimum balance for minors under 18 years). $50 minimum opening deposit ($10 for minors under 18 years).
1.09% interest rate · $1 monthly fee · Effective Sep 29, 2026
Rate checked
More details - Tinker Federal Credit UnionPremium PlusSavings · $10,000 min · 0.10%–2.10% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance to open: $10,000.
0.10% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premium Plus Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.15% $50,000 – $74,999 1.25% $75,000 – $99,999 1.45% $100,000 – $149,999 1.50% $150,000 – $199,999 1.75% $200,000 – $249,999 1.85% $250,000 – $499,999 2.00% $500,000 and up 2.10% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
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 - American Heritage BankAmerican Gold Money MarketAmerican Gold Money Market · $5,000 min · 0.80%–2.40% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000Requirements
Product: Variable interest rates compounded monthly and paid monthly on daily ledger balances. Monthly Base Fee in Service Charge is $6.00, waived with $5,000.00 minimum daily ledger balance. First 2 withdrawals per month free; excess withdrawals are $5.00 each. Required to purchase Money Market checks.
Offer: Monthly fee of $6.00 waived with $5,000.00 minimum daily ledger balance.
0.80% interest rate · Compounded monthly · $6 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for American Gold Money Market Balance APY Up to $100,000Your amount 0.80% $100,000 – $250,000 1.40% $250,000 and up 2.40% Rate checked
More details - BOK FinancialPremier Money MarketPremier Money Market · $50 min · 0.15%–2.50% by balance
Bank · 1 branch
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 - Oklahoma Community Credit UnionRegular SavingsSavings · $5 min · 0.70%–0.80% by balance
Credit union · 2 branches
0.70%APY$70 a year on $10,000Requirements
Product: Key to membership with a $5.00 pledge/opening balance. Dividends calculated on average daily method, compounded and paid quarterly on daily balances of $100 or more; no dividends paid below $100. Up to four free withdrawals per month ($1.00 per additional withdrawal). Inactive charge of $5.00 per month if unused for 12 months.
Offer: No dividends paid on any day balance is below $100.
0.70% interest rate · Effective Sep 9, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000Your amount 0.70% $10,000 – $20,000 0.75% Over $20,000 0.80% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Quarterly service charge of $5.00 applies if the daily balance on any day of the quarter falls below $25.00 (quarterly service charge is $0 if balance remains above $25 all days of cycle). Minimum daily balance of $100.00 required to earn APY.
Offer: Minimum daily balance of $100 required to earn APY. $5 quarterly fee if balance falls below $25 on any day of the quarter.
0.50% interest rate · Effective Oct 2, 2026
Rate checked
More details - Oklahoma Community Credit UnionHigh Yield Money MarketHigh Yield Money Market · $0 min · 0.00%–3.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Fees could reduce the earnings on the account. No dividends earned on balances of $.01 to $9,999.99.
Offer: No dividends earned on balances of $.01 to $9,999.99.
0.00% interest rate
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 0.50% $50,000 – $100,000 0.50% $100,000 – $250,000 2.50% $250,000 and up 3.00% Rate checked
More details - 0.40%APY$40 a year on $10,000with conditions
Requirements
Product: Requires minimum $25.00 monthly automatic transfer from an AHB checking to this savings account. Base fee in service charge of $3.00 (charged quarterly) if average daily ledger balance over the quarter is less than $100.00. First 9 withdrawals per quarter free; withdrawals in excess of 9 per quarter are $5.00 each, waived with average daily ledger balance over the quarter of $1,500.00 or more.
Offer: Automatic transfer required. Variable interest rate compounded daily and paid quarterly on daily ledger balance.
Qualified rate · 0.40% interest rate · Compounded daily · Effective Oct 5, 2026
Rate by balance
Rate by balance for American Savings Balance APY Up to $75,000Your amount 0.40% $75,000 and up 0.60% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Base fee in service charge of $3.00 (charged quarterly) if average daily ledger balance over the quarter is less than $100.00. First 9 withdrawals per quarter free; withdrawals in excess of 9 per quarter are $5.00 each, waived with average daily ledger balance over the quarter of $1,500.00 or more.
Offer: Variable interest rate compounded daily and paid quarterly on daily ledger balance.
0.35% interest rate · Compounded daily · Effective Oct 5, 2026
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $25,000Your amount 0.35% $25,000 and up 0.40% 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 Stillwater, OK metro
33 accounts at 11 banks and credit unions · checked Oct 6–16
- Typical
- 0.30%
- Top 10% from
- 1.32%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.70%
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Stillwater, OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Payne County BankBank · 2 branches