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 46–60 results
- XCEL Federal Credit UnionLift High Yield SavingsSavings · $1,000 min
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000intro rateRequirements
Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.
Offer: Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.
Promotional rate · 4.00% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - State Farm Federal Credit UnionRepresentative Payee AccountSavings
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: For individuals appointed by the Social Security Administration to manage Social Security or Supplemental Security Income (SSI) for a recipient beneficiary.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - State Farm Federal Credit UnionTrust AccountSavings
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: May be set up if the Grantor of the trust is within the Credit Union's field of membership.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - State Farm Federal Credit UnionShare Savings AccountsSavings · $5 min
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: Membership is open to all U.S. State Farm employees, agents, retirees, and certain members of their immediate families. Par Value of a Membership Share is $5.00 ($10.00 for joint ownership accounts) to maintain membership. Minimum withdrawal is $10.00.
Offer: Minimum opening deposit is $5.00 for primary account ($10.00 for joint accounts). Dividends are compounded daily and credited monthly.
4.00% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - State Farm Federal Credit UnionEstate AccountSavings
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: May be created when an authorized individual (executor or administrator) requests transfer of a deceased member's account.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.08%APY$408 a year on $10,000
Requirements
Product: Minimum withdrawal is $10.00. Also referenced as Electronic Share Accounts.
Offer: Dividends are compounded daily and credited monthly.
4.00% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Members Preferred Credit UnionPersonal Money MarketPersonal Money Market · $0 min · 0.00%–4.08% by balance
Credit union · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: Six transactions allowed out of the account in a given month (by check, cash, pre-authorized, automatic transfer, telephone or electronic means). Account subject to applicable fees if limitations exceeded. Tiered dividend rates based on average daily balance at a split rate; paid monthly. Ability to write checks.
0.00% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $1,000 0.00% $1,000 – $5,000 1.51%* $5,000 – $50,000Your amount 4.08%* Over $50,000 2.02%* Rate checked
More details - Gateway BankKasasa SaverSavings · $50 min · 1.01%–4.08% by balance
Bank · Add a location to see nearby branches
4.08%APY$408 a year on $10,000with conditionsRequirements
Product: Requires linked Kasasa Cash or Kasasa Cash Back checking account. No recurring monthly maintenance charges.
Offer: Qualifying rate for daily balances up to $100,000 when linked Kasasa checking meets monthly qualifications (at least 12 debit card purchases, at least 1 ACH credit/payment, and enrolled in eStatements).
Qualified rate · No monthly fee · Effective Jan 17, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 4.08% Over $100,000 1.01% Rate checked
More details - University BankMoney Market AccountMoney Market Account · $2,500 min · 3.56%–4.08% by balance
Bank · Add a location to see nearby branches
4.08%APY$408 a year on $10,000Requirements
Product: Minimum deposit of $2,500 required to open. A service fee of $6.00 will be imposed each statement cycle if the average daily balance falls below $2,500 for the statement cycle. Variable interest compounded daily and credited monthly. When balance falls into a specific rate tier, entire balance earns applicable rate in effect for that tier.
Offer: Applies to balances under $5,000. Monthly fee of $6 waived if average daily balance is at least $2,500.
3.50% interest rate · Compounded daily · $6 monthly fee · Effective Jul 21, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 3.56% $5,000 and upYour amount 4.08% Rate checked
More details - Waterfront Credit UnionHigh-Yield Savings AccountSavings · $5,000 min · 2.53%–4.07% by balance
Credit union · Add a location to see nearby branches
4.07%APY$407 a year on $10,000with conditionsRequirements
Product: Qualifications include a $5,000 minimum balance, monthly online/mobile banking login, enrollment in eStatements, and a monthly electronic deposit. If qualifications are not met, the account earns the regular share dividend rate.
Offer: Promotional schedule tier on savings accounts page p4; requires meeting monthly activity and eStatement qualifications.
Qualified rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY $5,000 – $100,000Your amount 4.07% Over $100,000 2.53% Rate checked
More details - 4.07%APY$407 a year on $10,000
Requirements
Offer: Variable-rate account; APY is variable and subject to change. Minimum balance to earn advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
Rate checked
More details - SoleraMoney Market High Yield SavingsMoney Market High Yield Savings · $1,000 min
Bank · Add a location to see nearby branches
4.07%APY$407 a year on $10,000Requirements
Offer: Annual Percentage Yield (APY) is variable and subject to change. Minimum balance to earn the advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
Rate checked
More details - Comenity Capital BankHigh-Yield Savings AccountSavings · $100 min
Bank · Add a location to see nearby branches
4.05%APY$405 a year on $10,000Requirements
Product: Must be at least 18 years of age, a U.S. citizen or resident alien, have a valid U.S. SSN and physical U.S. address. Sole or joint ownership personal accounts only. Minimum opening deposit of $100 must be deposited in a single transaction. Rate is variable and may change after account opening.
Offer: Minimum opening deposit of $100 required in a single transaction. Rate may change after account opening. Fees may reduce earnings.
No monthly fee
Rate checked
More details - CFG BankCFG High Yield Money Market OnlineCFG High Yield Money Market Online · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000 in the account daily to avoid a $10 monthly maintenance fee. Variable rate subject to change. No check writing privileges.
Offer: Minimum balance to obtain APY is $1,000. Daily balance of $1,000 required to avoid $10 monthly maintenance fee. No check writing privileges.
3.98% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate checked
More details - CFG BankCFG High Yield Money Market In BranchCFG High Yield Money Market In Branch · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$405 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000 in the account daily to avoid a $10 monthly maintenance fee. Variable rate subject to change.
Offer: Minimum balance to obtain APY is $1,000. Daily balance of $1,000 required to avoid $10 monthly maintenance fee.
3.98% interest rate · $10 monthly fee · Effective Oct 6, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay nationwide
12,192 accounts at 4,873 banks and credit unions · checked Oct 15–22
- 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