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 Mesa, AZ
- 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.
Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.
Qualified rate · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Digital Savings Balance APY Up to $25,000Your amount 4.50% $25,000 and up 0.10% Rate checked
More details - 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - Nuvision Credit UnionAdvantage Choice Money MarketAdvantage Choice Money Market · $1,000 min
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Must maintain a Nuvision checking account with a balance of at least $500. Opening deposit of at least $1,000 must be new money not currently on deposit at the credit union. Limit one account per household.
Offer: Earn up to 4.00% APY with reverse tiers providing higher rates on lower balances. Opening deposit must be new money not currently on deposit. Requires maintaining a Nuvision checking account with at least a $500 balance. Limit one per household.
Qualified rate
Rate checked
More details - 3.95%APY$395 a year on $10,000
Requirements
Product: Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total in one or multiple dedicated savings accounts. Early withdrawal penalties may apply. Maintenance or activity fees could reduce earnings.
Offer: Requires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
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 · 1 branch
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 - Arizona Financial Credit UnionHigh-Yield SavingsSavings · $10,000 min · 0.20%–3.40% by balance
Credit union · 2 branches
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 - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 4 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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% 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 - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 2 branches
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 - America First Credit UnionMoney MarketMoney Market · $0 min · 1.00%–3.90% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000Requirements
Product: Tiered dividends; dividends credited monthly. Dividend rate and APY may change monthly.
Offer: Minimum earning balance $0.00.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 1.00% $5,000 – $10,000 1.10% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.80% $50,000 – $100,000 2.05% $100,000 – $250,000 2.70% $250,000 – $1,000,000 3.45% $1,000,000 and up 3.90% Rate checked
More details - Banner Federal Credit UnionMoney MaximizerSavings · $1 min · 0.65%–1.30% by balance
Credit union · 2 branches
1.10%APY$110 a year on $10,000Requirements
Product: Effective as of 10/01/2026 Banner Federal’s deposit accounts are a variable rate account. Dividend Rate may change after the account is opened.
0.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Maximizer Balance APY Up to $999 0.65% $1,000 – $9,999 0.95% $10,000 – $25,000Your amount 1.10% $25,000 and up 1.30% 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 Mesa, AZ
71 accounts at 26 banks and credit unions · checked Oct 7–22
- Typical
- 0.10%
- Top 10% from
- 2.75%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
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Phoenix, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 5 branches
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