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 Boulder, CO metro
- 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 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 - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - Meritrust Credit Union – ColoradoPremium High Yield Savings AccountSavings · $5,000 min
Credit union · 5 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Exclusive to members with Premium Perks Checking accounts. The Premium High Yield Savings Account must be titled under the same tax reported owner as the Premium Perks Checking Account. If you close your Premium Perks Checking Account or change to a different checking account type, the savings account will be closed.
Offer: $5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 3 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 3 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bellco Credit UnionMember Money Market AccountMember Money Market Account · $1,000 min · 0.00%–2.70% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $1,000 minimum opening/account balance. A $10 fee applies if daily balance drops below minimum balance requirement. Membership eligibility required.
Offer: Balances below $1,000 do not earn interest. Daily balance below $1,000 incurs a $10 fee.
0.00% interest rate · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Member Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 2.35% $10,000 – $25,000Your amount 2.70% $25,000 and up 2.70% Rate checked
More details - Bellco Credit UnionPremier Money Market AccountPremier Money Market Account · $10,000 min · 0.00%–3.25% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $10,000 minimum deposit to open. A low balance fee of $10 is assessed if the daily balance drops below $10,000. Interest compounded daily and paid monthly. Membership eligibility required.
Offer: Balances below $10,000 do not earn interest. Daily balance below $10,000 incurs a $10 fee.
0.00% interest rate · Compounded daily · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 2.70% $50,000 and up 3.25% Rate checked
More details - High Country BankSpecial Premier Money MarketSpecial Premier Money Market · $100 min · 0.10%–2.53% by balance
Bank · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Special Premier Money Market applies to new money and/or matured High Country Bank CDs.
Offer: $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs.
0.10% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Special Premier Money Market Balance APY $100 – $5,000 0.10% $5,000 – $10,000Rate is based on current Fed Funds rate minus 3.00%. 1.01% $10,000 and upYour amountRate is based on current Fed Funds rate minus 1.50%. 2.53% 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 - Elevations Credit UnionFlex Tier Money MarketFlex Tier Money Market · $0 min · 0.10%–3.00% by balance
Credit union · 9 branches
1.00%APY$100 a year on $10,000Requirements
Product: Membership eligibility and one-time $5 membership fee required at account opening. No monthly maintenance fees. If minimum balance falls below required amount, account does not earn interest. Check writing capabilities available. Automatic movement of funds into next interest rate tier. Debit cards are not issued for money market accounts.
0.10% interest rate · No monthly fee · Effective Feb 1, 2026
Rate by balance
Rate by balance for Flex Tier Money Market Balance APY Up to $2,000 0.10% $2,000 – $10,000 0.25% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 2.00% $50,000 – $75,000 2.00% $75,000 – $100,000 2.00% $100,000 – $200,000 2.00% $200,000 and up 3.00% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 6 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% 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 Boulder, CO metro
82 accounts at 27 banks and credit unions · checked Oct 7–22
- Typical
- 0.08%
- Top 10% from
- 2.70%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.10%
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Boulder, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bellco Credit UnionCredit union · 1 branch
- UMB BankBank · 1 branch