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 Gilbert, AZ
- 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
Rate checked
More details - Vantage West Credit UnionHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 3.01%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Credit Union membership required. Requires $10,000 opening deposit and $500 minimum balance to maintain the account and remain open. Rates are variable and subject to change. No monthly service fees with eStatements.
Offer: 6-month promotional rate. Promotion runs August 1, 2026 to November 30, 2026. Must open new High Yield Money Market using new money (external funds) funded within 10 business days of account opening. Must maintain $500 minimum balance. Reverts to standard variable rate after 6 months. Cannot combine with relationship pricing or other promotions. Employees, Board Members, and Business HYMM accounts not eligible.
Qualified rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY $10,000 and upYour amount 4.00% $100,000 – $125,000Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. 3.01% $125,000 and upRelationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. 3.26% Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 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 - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - Arizona Financial Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.20%–3.40% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: Dividends accrue from date of deposit and are compounded and credited monthly based on the average daily balance. Rates may change monthly as determined by the Board of Directors. No monthly fee.
Offer: Minimum $25 to earn APY.
0.20% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY $25 and up 0.20% $10,000 and upYour amountMinimum $10,000 to earn APY. 2.75% $25,000 and upMinimum $25,000 to earn APY. 2.80% $50,000 and upMinimum $50,000 to earn APY. 2.85% $100,000 and upMinimum $100,000 to earn APY. 2.90% $250,000 and upMinimum $250,000 to earn APY. 3.00% $500,000 and upMinimum $500,000 to earn APY. 3.10% $1,000,000 and upMinimum $1,000,000 to earn APY. 3.25% $2,000,000 and upMinimum $2,000,000 to earn APY. 3.40% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Vantage West Credit UnionPremium SavingsSavings · $500 min · 0.30%–1.75% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
Offer: Standard rate. No monthly maintenance fees.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Premium Savings Balance APY $500 – $10,000 0.30% $10,000 – $124,999Your amountRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. 1.75% $125,000 and upRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. 1.75% 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 - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
Offer: Standard non-relationship rate.
Qualified rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Offer: As high as 1.50% APY
Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Bell BankPremier Money Market SavingsPremier Money Market Savings · $5,000 min · 1.16%–1.36% by balance
Bank · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: Minimum balance of $5,000 is required to earn interest and avoid service fees. No service charge if minimum balance of $5,000 is maintained. Interest earned each day balance is $5,000 or more. 6 free withdrawals or debits per monthly statement period. Option to use as overdraft protection on a Bell checking account (enrollment required). Variable interest compounded monthly. Interest rate is paid on the entire balance in the account.
Offer: $10 service fee if minimum balance is not maintained. Interest rate is paid on the entire balance in the account. Variable rate. Paid monthly.
1.15% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Savings Balance APY $5,000 – $100,000Your amount 1.16% $100,000 – $500,000 1.26% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.36% 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 Gilbert, AZ
74 accounts at 22 banks and credit unions · checked Oct 7–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.18%
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Phoenix, AZ metro
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