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 Flagstaff, AZ
- 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
Rate checked
More details - OneAZ Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min · 0.50%–2.56% by balance
Credit union · 2 branches
1.51%APY$151 a year on $10,000Requirements
Product: Only the funds that comprise each tier will earn the rate for that tier. Minimum balance fee of $10.00 per month applies if minimum balance requirements are not met.
Offer: Only the funds that comprise each tier will earn the rate for that tier.
0.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY $1,000 – $5,000 0.50% $5,000 – $10,000Blended APY ranges from 0.50% to 0.80%. 1.11%* $10,000 – $25,000Your amountBlended APY ranges from 0.80% to 1.23%. 1.51%* $25,000 – $50,000Blended APY ranges from 1.23% to 1.55%. 1.87%* $50,000 – $100,000Blended APY ranges from 1.55% to 1.79%. 2.03%* $100,000 and upBlended APY ranges from 1.79% to 2.48%. 2.56%* Rate checked
More details - Arizona Central Credit UnionMoney MarketMoney Market · $1,000 min · 0.80%–2.12% by balance
Credit union · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Tiered account. Limited to 6 electronic withdrawals per month (3 withdrawals per month at no charge). Monthly service fee of $15 applies if average daily balance of $1,000 is not maintained.
Offer: No monthly service fee when an average daily balance of $1,000 is maintained; otherwise $15 monthly fee applies.
0.80% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 0.90% $50,000 – $100,000 1.51% $100,000 – $250,000 2.12% $250,000 and up 2.12% Rate checked
More details - Coconino Federal Credit UnionMoney Market AccountsMoney Market Accounts · $1,000 min · 0.50%–1.00% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends paid monthly on balances over $1,000 on a tiered rate basis. Up to 3 withdrawals per month, $5.00 charge per withdrawal thereafter.
Offer: Dividend period compound/credited: Monthly. 3 withdrawals per month, $5.00 per withdrawal after first 3 per month.
0.49% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $1,000 – $10,000 0.50% $10,000 – $50,000Your amount 0.75% $50,000 and up 1.00% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available online or at local branches. Interest calculated daily. Up to 9 withdrawals per quarter free, $1.25 for each additional debit. $9.00 quarterly service fee waived with a minimum balance of $200.
Offer: Rates listed are available for accounts opened online only and may differ for accounts opened at a local branch. Rates are effective as of today's date and are subject to change. $9.00 service charge per statement quarter if balance falls below $200.
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 2 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 2 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - OneAZ Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.10%–1.01% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Minimum opening deposit is $1,000. In order to earn disclosed APY, must maintain a balance of at least $1,000 each day. In order to avoid the monthly maintenance fee of $10.00, account balance must be at least equal to $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
Offer: Monthly fee of $10.00 waived if balance is at least $1,000 on the last calendar day of the month. Only the funds that comprise each tier will earn the rate for that tier.
0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $5,000 0.10% $5,000 – $10,000Blended APY ranges from 0.10% to 0.15%. 0.20%* $10,000 – $25,000Your amountBlended APY ranges from 0.15% to 0.24%. 0.30%* $25,000 – $50,000Blended APY ranges from 0.24% to 0.32%. 0.40%* $50,000 – $100,000Blended APY ranges from 0.32% to 0.41%. 0.50%* $100,000 and upBlended APY ranges from 0.41% to 0.94%. 1.01%* Rate checked
More details - Arizona Central Credit UnionMoney Market CheckingMoney Market Checking · $1 min · 0.10%–0.55% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Tiered account. Dividends paid on entire balance. Monthly service fee of $15 is waived when maintaining a minimum daily balance of $5,000+.
Offer: Monthly fee of $15 is waived with minimum daily balance of $5,000+.
0.10% interest rate · $15 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.35% $100,000 and up 0.55% Rate checked
More details - Bank of ColoradoMoney Market AccountMoney Market Account · $1,000 min · 0.20%–1.76% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: $15.00 monthly service charge applies if account balance falls below $1,000 minimum at any time during monthly cycle. Up to 6 withdrawals per month allowed. Rates listed are available for accounts opened online only.
Offer: Opened online only. $15.00 monthly service charge waived if balance stays at or above $1,000.
0.20% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 0.20% $25,000 – $100,000 0.45% $100,000 – $500,000 0.70% $500,000 – $1,000,000 0.75% $1,000,000 – $3,000,000 1.26% $3,000,000 and up 1.76% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A $5 minimum balance must be maintained in this account at all times to remain eligible for credit union services and benefits. Single service account requires a monthly average daily balance of $2,500 or more to remain fee free.
0.10% interest rate · Effective Sep 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: All members must maintain a $5.00 balance in savings. Dividends compounded and credited monthly.
Offer: Dividend period compound/credit: Monthly
0.09% interest rate · Effective Oct 3, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5.00 minimum opening deposit requirement opens account and establishes credit union membership. $50.00 minimum balance required to earn dividends.
Offer: $50.00 minimum daily balance required to earn APY/dividends.
0.10% interest rate · Effective Oct 1, 2026
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 Flagstaff, AZ
33 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 0.70%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Flagstaff, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- OneAZ Credit UnionCredit union · 2 branches