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 151–165 results
- Western Alliance BankHigh-Yield Savings PremierSavings · $500 min
Bank · Add a location to see nearby branches
3.80%APY$380 a year on $10,000Requirements
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 - Torrington Savings BankMomentum Money MarketMomentum Money Market · $2,500 min
Bank · Add a location to see nearby branches
3.79%APY$379 a year on $10,000intro rateRequirements
Product: Limited-time promotional offer. Requires new money not currently on deposit with Torrington Savings Bank. Business accounts are not eligible.
Offer: Fixed introductory rate for 90 days, then converts to Signature Money Market rate. Requires new money not currently on deposit with Torrington Savings Bank.
Promotional rate
Rate checked
More details - VisionBankPremium Money Market PersonalPremium Money Market Personal · $1,000 min · 1.77%–3.76% by balance
Bank · Add a location to see nearby branches
3.76%APY$376 a year on $10,000Requirements
Product: Interest rate and APY may change after account opening. Daily balance calculation. Limited to 6 debit transactions per month. Fees could reduce earnings.
Offer: Tier: Up to $3,000,000.00. Daily balance method.
3.70% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Premium Money Market Personal Balance APY Up to $3,000,000Your amount 3.76% Over $3,000,000Blended APY range stated as 3.76-2.36%. 1.77%* Rate checked
More details - Advia Credit UnionAdvantage Plus High Yield SavingsSavings · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Minimum $10,000 average daily balance is required to earn dividends. No minimum balance to open.
Offer: Requires account activity to meet Advantage Plus Rewards qualifications and a daily balance of $10,000 or above.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Garden Savings FCUAccelerate SavingsSavings · $25 min · 1.00%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000Requirements
Product: Minimum opening deposit of $25. Limit one account per tax ID. Membership eligibility applies. No monthly maintenance fees.
Offer: Applies to the first $15,000 on deposit (average balance).
3.69% interest rate · No monthly fee · Effective Jun 1, 2026
Rate by balance
Rate by balance for Accelerate Savings Balance APY Up to $15,000Your amount 3.75% Over $15,000 1.00% Rate checked
More details - Langley Credit UnionHigh-Yield SavingsSavings · $0 min · 0.05%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000Requirements
Product: Tiered rate account. Dividends calculated by average daily balance and compounded monthly. Requires enrollment in eStatements and limited to one withdrawal per calendar month; if requirements are not met or more than one withdrawal occurs, earns 0.05% APY on the entire balance. Limit 1 High-Yield Savings account per member. No monthly fees and no minimum deposit required. $5 deposit to savings account required for membership. High yield rate also applies when MyDesign Checking Steady Saver or All-In requirements are met on balances up to $25,000.
Offer: Standard tier: Earn 3.75% APY on average daily balances up to $25,000 with eStatements and max 1 withdrawal per month.
Compounded monthly · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 3.75% $25,000 and up 0.05% Rate checked
More details - OnPoint Community Credit UnionOnPoint Premium Savings AccountSavings · $0 min · 2.25%–3.75% by balance
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: OnPoint Premium Savings account is a sweep account; balances up to the Maximum Program Deposit Amount ($250,000.00) may be swept to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. Requires qualifying for OnPoint Rewards (10-year membership or 6 qualifying transactions per calendar month in an OnPoint checking account), an active OnPoint Loyalty Savings account, and opt-in through OnPoint Online Banking. One account per member/TIN. All interest is compounded and credited monthly.
Offer: Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking.
Qualified rate · 3.69% interest rate · No monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for OnPoint Premium Savings Account Balance APY Up to $100,000Your amount 3.75% Over $100,000 2.25% Rate checked
More details - Ridgewood Savings BankSmart Move Money Market AccountSmart Move Money Market Account · $10,000 min · 0.25%–3.75% by balance
Bank · Add a location to see nearby branches
3.75%APY$375 a year on $10,000Requirements
Product: Limited to consumers who do not have a deposit account either personally or as joint owner at Ridgewood. One Smart Move Money Market account per customer and must be opened online. For balances $0 - $9,999.99 there is no interest. The $15 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle. Monthly fee of $5 for paper statements. Overdraft coverage is not offered.
Offer: Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements.
3.63% interest rate · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Move Money Market Account Balance APY $10,000 – $75,000Your amount 3.75% $75,000 – $125,000 3.75% $125,000 – $250,000 3.75% Over $250,000 0.25% Rate checked
More details - 3.75%APY$375 a year on $10,000with conditions
Requirements
Product: Limited-time offer (America 250 Savings Event). Must be opened the same day as a Certificate of Deposit (CD) at Pennian Bank. Maximum deposit in Companion Savings account is equal to the amount held in CDs opened the same business day. Public funds are not eligible.
Offer: Requires opening a CD at Pennian Bank on the same business day with a minimum deposit of $1,000.00; maximum deposit equals amount held in same-day CDs. $100.00 minimum balance required to obtain APY.
Qualified rate · Effective Jul 2, 2026
Rate checked
More details - Monterra Credit UnionPremium SavingsSavings · $0 min
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: The Premium Savings Account has two APY rates: base (lower) APY and bonus (higher) APY. In order to qualify for the bonus APY, a checking account type (excluding Business Accounts) is required within the same membership account. To receive bonus APY, meet three monthly requirements: (1) 10 or more debit/credit card purchases, (2) 1 direct deposit, payroll deposit, or external ACH transfer into checking, and (3) eStatements selected.
Offer: Requirements met: 10 or more card purchases (debit/credit), 1 direct deposit/payroll deposit/external ACH into checking, and eStatements selected.
Qualified rate · 3.69% interest rate · Effective Oct 16, 2026
Rate checked
More details - Communication Federal Credit UnionBlue SavingsSavings
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000intro rateRequirements
Product: Online savings account. Available only in eligible markets based on verified primary residential ZIP code. Funds must be new to CFCU to qualify for the advertised rate. Must enroll in eStatements to receive advertised rate. Aggregate balance cap of $2,500,000 per Tax ID.
Offer: Must enroll in eStatements and deposit funds new to CFCU. Available only in eligible markets. Aggregate balance cap of $2,500,000 per Tax ID. Dividends paid monthly on daily balance.
Promotional rate · Balance cap $2,500,000 · No monthly fee · Effective Oct 13, 2026
Rate checked
More details - Truity Credit UnionName It Save ItSavings · $0 min
Credit union · Add a location to see nearby branches
3.75%APY$375 a year on $10,000Requirements
Product: One Name It Save It share per account. Six FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $1,000,000.00.
Offer: Dividends compounded and credited monthly based on calendar month average daily balance. Maximum balance to earn dividends is $1,000,000. Six free withdrawals per rolling 12 months, $10 per withdrawal thereafter.
3.68% interest rate · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Offer: Maintain a $300 minimum daily balance to avoid the $5.00 monthly maintenance fee. Rate may change after account is opened. If account is closed prior to end of the statement cycle, interest will not be paid for that statement cycle.
3.70% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate checked
More details - Axos BankSummit SavingsSavings · $0 min · 3.75%–4.01% by balance
Bank · Add a location to see nearby branches
3.75%APY$375 a year on $10,000intro rateRequirements
Product: No monthly maintenance fees, no minimum balance requirements, and no minimum initial deposit. Limited-time promotional 0.26% APY Boost (total 4.01% APY) available for eligible new customers using promo code SUM26 for accounts opened 10/01/2026 through 10/31/2026.
Offer: Promotional APY Boost of 0.26% added to base APY for the first 6 statement cycles for new customers who open an account with promo code SUM26 between October 1, 2026 and October 31, 2026. Variable rate.
Promotional rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Summit Savings Balance APY Any balance 4.01% $10,000 – $25,000Your amountStandard base rate. No minimum balance to earn APY. 3.75% $25,000 – $50,000Standard base rate. No minimum balance to earn APY. 3.75% $50,000 – $100,000Standard base rate. No minimum balance to earn APY. 3.75% $100,000 and upStandard base rate. No minimum balance to earn APY. 3.75% Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: Personal accounts only. $2 monthly paper statement fee is waived with electronic statements.
Offer: Variable rate. Compounded daily, credited quarterly. $2 paper statement fee waived if enrolled in e-statements.
3.68% interest rate · Compounded daily · $2 monthly fee · Effective Oct 5, 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 nationwide
12,190 accounts at 4,873 banks and credit unions · checked Oct 16–23
- Typical
- 0.21%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank