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 Baldwin County, AL · Showing Baldwin County, AL: too few institutions in Gulf Shores, AL
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.
Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.
Promotional rate · 3.92% interest rate · $10 monthly fee · Effective Jun 30, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 3 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 - Navigator Credit UnionPrime Money MarketPrime Money Market · $0 min · 0.15%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Subject to membership requirements. New money required; source of funds deposited into Prime Money Market may not be from an existing Navigator Credit Union account. To earn disclosed APY on tier $10,000 & above, must maintain an average daily balance at least equal to $10,000 and direct deposit aggregate of at least $500 each month into any Navigator Credit Union savings, money market, or checking accounts on the same account number. If eligibility requirements are not met, earns 0.15% APY. Fees may reduce earnings.
Offer: Earned for balances under $10,000 or if eligibility requirements are not met during any month.
Qualified rate · 0.15% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Prime Money Market Balance APY Up to $10,000 0.15% $10,000 and upYour amountVariable rate based on Wall Street Journal U.S. Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. 3.25% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 3 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 - PenAir Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.75% by balance
Credit union · 3 branches
1.75%APY$175 a year on $10,000Requirements
Product: Available to members who live, work, go to school or worship in specified counties (from Mobile County, AL to Leon County, FL). Rates on deposit accounts may change after account opening.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.75% $25,000 – $75,000 1.75% $75,000 – $200,000 1.75% $200,000 and up 1.75% Rate checked
More details - Family Security Credit UnionDaily Action Savings AccountSavings · $0 min · 0.00%–2.12% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: No monthly service fee. Unlimited in-branch transactions; up to 6 preauthorized or check withdrawals per month. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Daily Action Savings Account Balance APY Up to $2,000 0.00% $2,000 – $5,000 1.51% $5,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.81% $100,000 and up 2.12% Rate checked
More details - All In Credit UnionMoney Market AccessMoney Market Access · $0 min · 1.11%–1.66% by balance
Credit union · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Dividends are calculated on the average daily balance, compounded monthly, and credited monthly. Rates are declared monthly and may change after the account is opened.
1.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Access Balance APY Up to $25,000Your amount 1.11% $25,000 – $50,000 1.26% $50,000 – $175,000 1.46% $175,000 and up 1.66% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Base rate for accounts that do not meet qualifications is 0.05% APY. APY for balances > $25,000 ranges from 1.00% to 0.40%.
Offer: Base rate for accounts that do not meet qualifications
Qualified rate · Effective May 2, 2016
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $25,000Your amount 1.00% $25,000 and upAPY ranges from 1.00% to 0.40% 0.40% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Tyndall Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.00%–1.25% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Tiered-rate account where the rate for the qualifying balance applies to the full balance. Dividends calculated daily, compounded and credited monthly. Limited to 6 preauthorized or electronic transfers per month. $10.00 monthly service fee is waived if account maintains a minimum average daily balance of $2,500.
Offer: Monthly fee of $10.00 is waived if the account maintains a minimum average daily balance of $2,500.
0.00% interest rate · $10 monthly fee · Effective Jan 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.00% $50,000 and up 1.25% Rate checked
More details - All In Credit UnionPreferred Financial Advisor Savings AccountSavings · $0 min · 0.65%–3.96% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account eligibility requires meeting with an All In Credit Union Preferred Financial Advisor. Dividends are compounded and credited monthly based on the average daily balance. Rate is based upon FHLB borrowing rate less (0.25%) basis points on the last business day of the month and changes on the 1st of each month.
Offer: Dividends compounded and credited monthly. Rate based on FHLB borrowing rate less 0.25% basis points. Eligibility requires meeting with an All In Credit Union Preferred Financial Advisor.
0.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Preferred Financial Advisor Savings Account Balance APY Up to $150,000Your amount 0.65%* $150,000 and up 3.96%* Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: The par value of each share will be $0.01. Rates are declared quarterly and may change after the account is opened.
Offer: Rates are declared quarterly and may change after the account is opened. The par value of each share will be $0.01.
0.65% interest rate
Rate checked
More details - 0.60%APY$60 a year on $10,000with conditions
Requirements
Product: Requires an Interest Checking Combo Account with identical ownership. No monthly maintenance service charge. $4.85 monthly paper statement fee waived if average month to date balance is $5,000 or greater, OR average month to date balance is $25,000 or greater in qualifying deposits, OR account is set up for eStatements.
Offer: Qualifications met in Interest Checking Combo Account: at least 12 debit card transactions post and settle per qualification cycle (excluding ATM transactions, POS refunds, internal transfers), and at least one automatic payment (ACH), Gulf Coast Bank bill payment, or direct deposit post and settle per statement cycle.
Qualified rate · 0.60% interest rate · No monthly fee
Rate checked
More details - Gulf Coast Bank & TrustSelect Money MarketSelect Money Market · $20 min · 0.50%–3.55% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: A minimum deposit of $20 is required to open account. A Select Checking account is required; owner(s) of Select Checking and Select Money Market accounts must be the same. No monthly maintenance service cycle charge.
Offer: Requires Select Checking account.
Qualified rate · 0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Select Money Market Balance APY Up to $100,000Your amount 0.50% $100,000 – $250,000 0.70% $250,000 – $1,000,000 0.85% $1,000,000 – $1,500,000 3.44% $1,500,000 and up 3.55% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Baldwin County, AL
59 accounts at 22 banks and credit unions · checked Oct 5–22
- Typical
- 0.15%
- Top 10% from
- 1.19%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.40%
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Daphne, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 9 branches
- All In Credit UnionCredit union · 1 branch
- PenAir Credit UnionCredit union · 3 branches