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 61–75 results
- Alhambra Credit UnionPrimary Savings AccountSavings · $25 min
Credit union · Add a location to see nearby branches
4.04%APY$404 a year on $10,000Requirements
Product: A $25 minimum deposit is required to open the account. Once membership share is established, eligible to open other share accounts and services. Dividends are earned on the entire balance.
Offer: Dividends are earned on the entire balance.
Rate checked
More details - Interra Credit UnionLINked Money Market Share AccountLINked Money Market Share Account · $10,000 min
Credit union · Add a location to see nearby branches
4.03%APY$403 a year on $10,000with conditionsRequirements
Product: Maintain a daily balance of at least $10,000, have an Interra Credit Union checking account in good standing, enroll in Online Banking, and enroll in e-Statements.
Offer: Earn up to 4.03% APY. Requires maintaining a daily balance of at least $10,000, an Interra checking account in good standing, Online Banking enrollment, and e-Statement enrollment.
Qualified rate · Effective Sep 21, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · Add a location to see nearby branches
4.02%APY$402 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 61 through 120 months.
3.95% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - Skyla Credit UnionPurpose Savings AccountSavings · $25 min · 0.10%–5.00% by balance
Credit union · Add a location to see nearby branches
4.01%APY$401 a year on $10,000Requirements
Product: Tiered rate savings account. To qualify for higher dividend rates/APYs, member must deposit at least $25.00 per month and enroll in e-statements (otherwise a $2/month paper statement fee applies). Non-qualifying accounts earn 0.10% dividend rate / 0.10% APY across the entire balance. Each qualifying dividend rate applies to the portion of the daily balance within each tier. Limit of one Purpose Savings account per primary member. Dividends compounded and credited monthly. No monthly maintenance fee; includes 6 fee-free foreign ATM withdrawals per month.
Offer: Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly.
4.89% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Purpose Savings Account Balance APY Up to $1,000 5.00% $1,000 – $10,000Your amountEarns 3.928% dividend rate / 4.10% - 5.00% blended APY (promotional copy cites 4.00% APY). 4.01%* Over $10,000Earns 0.10% dividend rate / 0.50% - 4.10% blended APY (promotional copy cites .10 APY). 0.10%* Rate checked
More details - 4.01%APY$401 a year on $10,000
Requirements
Product: Saving accounts are not eligible for Bill Payment or External Account-to-Account (A2A) transfers.
Offer: No minimum balance required to earn interest. Account is set up to receive monthly e-statements; a $5.00 paper statement fee applies if you opt for paper. Unlimited withdrawals.
3.93% interest rate · Effective Feb 25, 2026
Rate checked
More details - Centric Federal Credit UnionSave Better SavingsSavings · $25 min · 0.50%–4.01% by balance
Credit union · Add a location to see nearby branches
4.01%APY$401 a year on $10,000with conditionsRequirements
Product: To earn rewards rates, 12 debit card transactions must post and settle, 1 ACH credit must occur, and member must enroll in e-statements during each Monthly Qualification Cycle on linked Spend Better or Earn Better account. If qualifications are not met, all balances earn base rate of 0.05% APY. Balances over $50,000 earn 0.50% dividend rate on portion over $50,000, resulting in 4.01% to 0.50% APY. Limit one account per SSN. Domestic ATM fees reimbursed up to $25 per cycle.
Offer: Qualifying rate for balances up to $50,000 when monthly qualifications (12 debit card transactions, 1 ACH credit, e-statements) are met on linked Spend Better or Earn Better checking account.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Aug 25, 2025
Rate by balance
Rate by balance for Save Better Savings Balance APY Up to $50,000Your amount 4.01% $50,000 and up 0.50% Rate checked
More details - Nizari Credit UnionNizari Savings PlusSavings · $1,000 min · 3.04%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 a year on $10,000Requirements
Product: Minimum balance of $1,000.00 is required to receive the dividend. Dividends are compounded and paid monthly. No dividend will be paid if account is closed before month end.
3.93% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Nizari Savings Plus Balance APY $1,000 – $250,000Your amount 4.00% $250,000 – $500,000 3.51% $500,000 – $1,000,000 3.35% Over $1,000,000 3.04% Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Minimum savings goal amount is $1,000. Initial deposit required to open account. Accompanying Loyal Trust Bank checking account is required. Automated pre-authorized monthly deposit amount based on savings goal. No withdrawals permitted during savings period without penalty. Interest compounds daily and credits quarterly.
Offer: Accompanying checking account required; automated monthly deposit based on minimum $1,000 savings goal. Early withdrawal penalty applies. Interest does not accrue after maturity.
Qualified rate · 3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - Beacon Community Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 0.50%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 a year on $10,000Requirements
Product: Minimum $2,500 deposit to open. Tiered dividends based on balance. Maximum 3 share drafts / checks per month drawn on MM and maximum 3 withdrawals or transfers per month.
Offer: Avg Balance up to $10K
3.93% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $10,000Your amount 4.00% $10,000 – $25,000 0.50% $25,000 – $50,000 0.80% Over $50,000Over $50,000 1.00% Rate checked
More details - Sallie MaeSallie Mae High-Yield Savings AccountSavings · $0 min
Bank · Add a location to see nearby branches
4.00%APY$400 a year on $10,000Requirements
Product: Personal accounts only; variable rate compounded daily and paid monthly. Requires valid personal info, US address and online application. Account must be funded within 40 days of opening.
Offer: Variable rate; compounded daily and paid/credited monthly.
3.92% interest rate · Compounded daily · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Franklin Trust Federal Credit UnionPower Up SavingsSavings
Credit union · Add a location to see nearby branches
4.00%APY$400 a year on $10,000intro rateRequirements
Product: Grow your savings with up to 4.00% APY* for a limited time.
Offer: Up to 4.00% APY for a limited time.
Promotional rate
Rate checked
More details - Educational Systems Federal Credit UnionPremium Summer PaySavings · $0 min · 0.01%–4.00% by balance
Credit union · Add a location to see nearby branches
4.00%APY$400 a year on $10,000Requirements
Product: Available for Direct Deposits received from qualifying school systems and community colleges. In the summer, funds accumulated throughout the year are automatically transferred to an ESFCU savings/checking account or another financial institution in four equal proportions on the first and third Friday of July and August. A $35 early withdrawal fee applies outside this period.
Offer: Tier One APY applies to average daily balances up to $20,000. Dividends compounded and credited monthly. Direct Deposit from qualifying school system or community college required.
3.93% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Premium Summer Pay Balance APY Up to $20,000Your amount 4.00% $20,000 and up 0.01% Rate checked
More details - Flagstar BankFlagstar Ready SavingsSavings · $1 min · 0.05%–4.00% by balance
Bank · Add a location to see nearby branches
4.00%APY$400 a year on $10,000intro rateRequirements
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 - Dieterich BankExtreme Green SavingsSavings · $25 min · 0.10%–4.00% by balance
Bank · Add a location to see nearby branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Primary owner must be primary owner on Extreme Green Checking to qualify. Available only for residents of specific Illinois counties: Bond, Clark, Clay, Clinton, Coles, Crawford, Cumberland, Effingham, Fayette, Jasper, Madison, Marion, Monroe, Montgomery, Randolph, Richland, Shelby, St Clair, and Washington. $3 paper statement fee unless $5,000 minimum daily balance is maintained or primary account owner is over 65.
Offer: If monthly qualifications are not met in Extreme Green Checking, all balances earn 0.10% APY.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Extreme Green Savings Balance APY Any balance 0.10% Up to $20,000Your amountWhen monthly qualification cycle requirements are met in Extreme Green Checking (at least 10 debit card transactions post and settle each cycle, receive direct deposit or ACH). 4.00% $20,000 and up Unknown Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Requires enrollment in eStatements. Limit one account per SSN/ITIN.
Offer: Qualifying rate when linked Kasasa checking account qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 14, 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
12,192 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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- Synchrony BankBank