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 Columbia, SC metro
- 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: A High-Yield Checking or Cash Back Checking account is required to have a High-Yield savings account. Limit of one account per member. No monthly maintenance fee, no minimum deposit to open, and no minimum balance required to earn rewards. Qualifying for linked High-Yield or Cash Back Checking rewards requires at least 15 debit card transactions, at least 1 direct deposit or ACH payment transaction, and enrollment in e-statements during each Monthly Qualification Cycle.
Offer: Requires linked High-Yield Checking or Cash Back Checking account qualifications met during Monthly Qualification Cycle (15+ debit card transactions, 1+ direct deposit/ACH, and enrolled in e-statements).
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualification requirements during each Monthly Qualification Cycle: at least 12 debit card purchases, enroll in and log into online banking, and enroll in and agree to receive e-statements.
Offer: Qualifying rate when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - First Carolina BankPlatinum Advantage Money Market AccountPlatinum Advantage Money Market Account · $0 min · 3.00%–3.50% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000intro rateRequirements
Product: Advertised rates available only to new funds deposited with First Carolina Bank Platinum Advantage Money Market Account; personal or business clients may be required to have or open a personal or business checking account
Offer: Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable
Promotional rate · $25 monthly fee · Effective Mar 12, 2026
Rate by balance
Rate by balance for Platinum Advantage Money Market Account Balance APY Up to $249,000Your amount 3.00% $250,000 – $999,999 3.25% $1,000,000 and up 3.50% Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: All share accounts are variable rate accounts. Member must maintain $5 par value.
Offer: Variable rate. Member must maintain $5 par value. $5 monthly below-balance fee waived with a daily balance of $500 or more.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000
Requirements
Product: Trust account. Dividends calculated by average daily balance method, compounded and credited monthly.
Offer: Minimum opening deposit $100.00.
2.00% interest rate · Effective Sep 30, 2026
Rate checked
More details - Carolinas Telco Federal Credit UnionHigh Yield SavingsSavings · $100 min · 2.02%–2.53% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Must be a CTFCU member in good standing. Available for personal, estate, trust, minor, and business accounts. Tiered interest rates based on average daily account balance. Limited to 6 monthly transactions; $1.00 fee per transaction beyond limit (ATM withdrawals and online banking transfers not included in limit). CTFCU checks and bill pay are not offered.
Offer: $15.00 monthly service fee if minimum average daily balance of $1,000.00 is not maintained. Earns 2.00% dividend rate / 2.02% APY on balances $100.00 to $100,000.00.
2.00% interest rate · $15 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY $100 – $100,000Your amount 2.02% Over $100,000 2.53% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Kasasa Account Terms and Conditions apply. Rates may change after account opening.
Offer: Qualified balances <$100,000.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Savings Account Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.25% Rate checked
More details - Mid Carolina Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 1.86%–3.04% by balance
Credit union · 4 branches
1.86%APY$186 a year on $10,000Requirements
Product: Dividends are paid monthly and calculated by the daily balance method applying a daily periodic rate to principal. Automatic transfers, checks, and drafts may be limited to 6 per month. Not considered a transaction account.
1.85% interest rate · Effective Aug 26, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $49,999Your amount 1.86% $50,000 – $99,999 2.22% $100,000 and up 3.04% Rate checked
More details - Spero FinancialMoney Market AccountMoney Market Account · $2,500 min · 0.95%–3.55% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000intro rateRequirements
Product: Membership required. $2,500 minimum opening deposit. $15 monthly maintenance fee if balance falls below $2,500 ($0 if balance is $2,500 or more). Limited to 6 withdrawals per month; $500 minimum withdrawal amount. Rates are variable and may change after account opening. Promotional rate boost of up to 1.00% available on entire balance through March 31, 2027 with $25,000+ new money deposited between October 13, 2026 and November 30, 2026, plus an additional 0.50% boost if existing or new Spero checking account.
Offer: Earns APY on balances of $2,500 or more. Monthly fee waived if balance is $2,500 or more.
Promotional rate · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.95% $10,000 and upYour amount 1.30% $50,000 and up 2.15% $100,000 and up 3.00% $250,000 and up 3.15% $500,000 and up 3.55% Rate checked
More details - AllSouth Federal Credit UnionMoney MarketMoney Market · $1,000 min · 1.00%–1.51% by balance
Credit union · 18 branches
1.11%APY$111 a year on $10,000Requirements
Product: Membership eligibility required. Dividends are compounded monthly and credited at end of month. Minimum average daily balance of $1,000 required to earn dividends.
Offer: Maintain an average daily balance of $1,000 or more to waive the $5.00 monthly maintenance fee.
1.00% interest rate · Compounded monthly · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 1.00% $10,000 – $25,000Your amount 1.11% $25,000 – $50,000 1.21% $50,000 – $75,000 1.31% $75,000 – $100,000 1.41% $100,000 and up 1.51% Rate checked
More details - Grow FinancialMoney Market AccountMoney Market Account · $0 min · 1.11%–2.12% by balance
Credit union · 2 branches
1.11%APY$111 a year on $10,000Requirements
Product: Variable Rate Account. Fees could reduce earnings. APYs accurate as of 10/15/2026.
Offer: Balance less than $25,000.
1.10% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 1.11% $25,000 – $50,000 1.36% $50,000 – $100,000 1.56% $100,000 – $250,000 1.71% $250,000 – $500,000 1.92% $500,000 and up 2.12% Rate checked
More details - South Carolina State Credit UnionMoney ManagementMoney Management · $1,000 min · 0.05%–1.76% by balance
Credit union · 8 branches
1.01%APY$101 a year on $10,000Requirements
Product: Dividends credited and compounded monthly. Higher balances yield greater dividend rates. No fees are associated with this account. Minimum opening deposit is $1,000.
Offer: Lower tier rate equals checking account rate. Dividends credited monthly.
0.05% interest rate · Compounded monthly · Effective Feb 2, 2026
Rate by balance
Rate by balance for Money Management Balance APY Up to $1,000 0.05% $1,000 – $10,000 0.75% $10,000 – $25,000Your amount 1.01% $25,000 – $100,000 1.41% $100,000 and up 1.76% Rate checked
More details - MTC Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 1.00%–1.91% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Limited to six withdrawals per month; subject to a $10 fee per excessive withdrawal. A $10.00 monthly fee applies if balance falls below the minimum balance.
1.00% interest rate · Compounded daily
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $15,000Your amount 1.00% $15,000 – $50,000 1.00% $50,000 – $75,000 1.20% $75,000 – $100,000 1.45% $100,000 and up 1.91% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - SAFE Federal Credit UnionMoney Market CheckingMoney Market Checking · $0 min · 0.95%–2.70% by balance
Credit union · 10 branches
0.95%APY$95 a year on $10,000Requirements
Product: Membership savings account required ($5 par value). Variable-rate account; rate may change after opening. Dividends compounded and credited monthly using the Average Daily Balance method. Limit of six withdrawals per month in person or by mail request.
Offer: Minimum average daily balance to earn APY is $0.01. Rate is variable. No monthly service charges.
0.95% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $25,000Your amount 0.95% $25,000 – $50,000 1.25% $50,000 – $100,000 1.65% $100,000 – $250,000 2.30% $250,000 – $500,000 2.45% Over $500,000 2.70% 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 Columbia, SC metro
75 accounts at 30 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.64%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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Columbia, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Carolina Credit UnionCredit union · 4 branches
- Carolinas Telco Federal Credit UnionCredit union · 1 branch
- Spero FinancialCredit union · 1 branch