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 Fort Smith, AR
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 4 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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 4 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 · 2 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 - Red River Credit UnionMoney MarketMoney Market · $2,500 min · 2.60%–2.90% by balance
Credit union · 1 branch
2.60%APY$260 a year on $10,000Requirements
Product: Minimum required balance is $2,500.00 to prevent a $5.00 minimum balance violation fee. Minimum check clearing amount is $500.00. Transaction violation fee of $35.00 for exceeding 6 Reg D transactions per month. Dividends credited/compounded monthly based on daily balance. Membership required.
Offer: Dividends credited/compounded monthly. Rates based on daily balance.
2.60% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $100,000Your amount 2.60% $100,000 – $250,000 2.75% $250,000 and up 2.90% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Requires a minimum opening deposit and minimum balance of $10,000.00 to earn stated APY. Fees may reduce earnings.
Offer: Requires $10,000.00 minimum opening balance and minimum balance to earn stated APY. Fees may reduce earnings.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - River Town Federal Credit UnionMoney Market Super ShareMoney Market Super Share · $5 min · 0.85%–1.35% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Daily balance method. Minimum balance to earn stated APY is $100 (or $10,000 as noted in rate disclosures).
Rate by balance
Rate by balance for Money Market Super Share Balance APY Up to $50,000Your amount 0.85% $50,000 – $100,000 1.20% $100,000 – $250,000 1.25% $250,000 and up 1.35% Rate checked
More details - United Federal Credit UnionElevate Money MarketElevate Money Market · $1,000 min · 0.50%–1.00% by balance
Credit union · 2 branches
0.50%APY$50 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 · 0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY $1,000 and upYour amount 0.50% $100,000 and up 0.75% $250,000 and up 1.00% Rate checked
More details - Arkansas Federal Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.01%–0.75% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: $2,500 minimum daily balance required to avoid $15 monthly fee. All deposited funds earn the rate for the tier. Dividend rate and APY may change every dividend period.
Offer: All deposited funds earn the rate for the tier. $15 monthly fee if minimum daily balance of $2,500 is not maintained.
0.01% interest rate · $15 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $1,000 0.01% $1,000 – $5,000 0.50% $5,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.75% $100,000 – $250,000 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.75% $1,000,000 and up 0.75% Rate checked
More details - United Federal Credit UnionBonus Builder Money MarketBonus Builder Money Market · $0 min · 0.00%–0.40% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Bonus Builder Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to be the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00. 0.40% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Membership in Arkansas Best FCU required. Savings are called shares; accounts are NCUA insured up to $250,000. Fees may reduce earnings.
Offer: Fees may reduce earnings.
0.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Multi-States Credit UnionMain Savings AccountSavings · $200 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Membership account. Minimum balance requirement of $10. Interest is earned on balances over $200 each day and calculated on the average daily balance.
Offer: Interest earned on balances over $200 each day, calculated on average daily balance.
0.05% interest rate
Rate by balance
Rate by balance for Main Savings Account Balance APY $200 – $2,000 0.05% $2,000 – $10,000Your amount 0.20% Over $10,000 0.50% Rate checked
More details - United Federal Credit UnionBonus Builder Money MarketBonus Builder Money Market · $1,000 min
Credit union · 2 branches
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.
Offer: Standard tier rate.
Qualified rate · 0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in Sebastian or Crawford County, AR, or Sequoyah County, OK. Minimum deposit of $5 should be maintained while using credit union services. Dividends calculated on daily balance, paid and compounded quarterly. Monthly maintenance fee is waived/none with e-Statements; paper statement fee is $2. Excessive withdrawal fee of $3 after 5 withdrawals per month.
Offer: Must have e-Statements to avoid monthly maintenance fee. $3 fee after 5 withdrawals per month.
Compounded quarterly · No monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: Requires linking to Kasasa Cash or Kasasa Cash Back checking account. To earn highest Kasasa Saver rate, must meet qualifications in Kasasa Cash/Cash Back each monthly qualification cycle (at least 1 direct deposit or ACH, at least 12 debit card purchases, enrolled in and agree to receive e-Statements, enrolled in and log into online banking). Limit 1 account per SSN.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met; portion of balance up to $10,000 earns 0.50% APY (requires maintaining minimum balance of $0.01 each day to obtain APY).
Qualified rate · 0.50% interest rate · Effective Jul 1, 2020
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000 0.50% $10,000 and upYour amount 0.15%* 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
What savings accounts pay in Fort Smith, AR
34 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.42%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.18%
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Fort Smith, AR-OK metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Red River Credit UnionCredit union · 1 branch