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 Cullman, AL metro
- SouthPoint BankPlatinum Point Money MarketPlatinum Point Money Market · $10,000 min
Bank · 4 branches
4.00%APY$400 a year on $10,000Requirements
Product: Requires $10,000 minimum opening deposit in funds not currently on deposit at SouthPoint Bank. No monthly service fee with $10,000 average monthly balance. Variable rate subject to change.
Offer: Requires minimum opening deposit of $10,000 in funds not currently on deposit at SouthPoint Bank. Variable rate subject to change. No monthly service fee with $10,000 average monthly balance; fees may reduce earnings if balance falls below $10,000.
Effective Sep 8, 2026
Rate checked
More details - Listerhill Credit UnionMoney Market AccountMoney Market Account · $5 min · 1.35%–2.10% by balance
Credit union · 1 branch
1.55%APY$155 a year on $10,000Requirements
Product: Membership eligibility required (residents of AL, GA, MS, FL, or TN, approved association, or family of a member; $5 membership fee). Money Market Account balances below $2,500 are subject to a low-balance fee. No limit on in-branch or ATM withdrawals.
Offer: Variable rate account; rates may change after account opening. Balances below $2,500 subject to a low-balance fee.
1.34% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 1.35% $10,000 – $50,000Your amount 1.55% $50,000 – $100,000 1.95% $100,000 and up 2.10% Rate checked
More details - Family Security Credit UnionDaily Action Savings AccountSavings · $0 min · 0.00%–2.12% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: No monthly service fee. Unlimited in-branch transactions; up to 6 preauthorized or check withdrawals per month. Maintenance or activity fees could reduce earnings. Penalties may be imposed for early withdrawal.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Daily Action Savings Account Balance APY Up to $2,000 0.00% $2,000 – $5,000 1.51% $5,000 – $50,000Your amount 1.51% $50,000 – $100,000 1.81% $100,000 and up 2.12% Rate checked
More details - AmFirstAmFirst Money Market AccountAmFirst Money Market Account · $0 min · 1.00%–2.35% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Dividends are calculated by the average daily balance method and paid monthly. The dividend rate and APY depend upon the tier into which the ending balance falls each day.
No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for AmFirst Money Market Account Balance APY Up to $9,999 1.00% $10,000 – $24,999Your amount 1.10% $25,000 – $49,999 1.15% $50,000 – $99,999 1.40% $100,000 and up 2.35% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - 0.40%APY$40 a year on $10,000
Requirements
Product: Core savings account received with membership. Paid monthly. Member voting rights.
0.40% interest rate
Rate checked
More details - Legacy Credit UnionShare Savings AccountSavings · $100 min · 0.10%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Must be a member of Legacy Community Federal Credit Union (open to those who live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, Coosa, Cullman, Talladega, or Bibb counties). Requires a $5 initial membership deposit maintained through the life of membership.
No monthly fee
Rate by balance
Rate by balance for Share Savings Account Balance APY $100 – $2,500 0.10% $2,500 – $40,000Your amount 0.30% $40,000 – $100,000 0.40% $100,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Establishes AmFirst credit union membership ($5.00 share purchase required to open). $5.00 par value fee if daily balance falls below $5.00 minimum. Dividends compounded and credited quarterly on average daily balances over $100.
Offer: Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase.
Effective Sep 18, 2026
Rate by balance
Rate by balance for Savings (Share Account) Balance APY $100 – $9,999 0.25% $10,000 – $39,999Your amount 0.30% $40,000 – $74,999 0.40% $75,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Allows separating funds from regular share savings account for specific purposes.
Offer: Quarterly Dividend Compounded
0.25% interest rate · Effective Mar 31, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishing membership with Alabama Credit Union. Electronic or automatic withdrawals and transfers are limited to six per month. Dividends calculated on daily balances, credited and compounded quarterly.
Offer: Quarterly Dividend Compounded
0.25% interest rate · Compounded quarterly · Effective Mar 31, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: Secondary savings account tied to primary Share Savings Account to help save for specific goals with custom nicknames.
Qualified rate · 0.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Establishes membership in Listerhill Credit Union ($5 share). Monthly maintenance fee of $5 waived if under 25, account < 90 days old, member/household has a Listerhill loan/mortgage, or opened credit card / started relationship with Listerhill Investment Services within last 12 months.
Offer: Accurate as of last dividend declaration date. Dividends calculated/compounded quarterly. $5 monthly maintenance fee waived with qualifying age, account age, or loan/card/investment relationship.
0.20% interest rate · Compounded quarterly · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% 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 Cullman, AL metro
22 accounts at 9 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.25%
- Top 10% from
- 1.47%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.30%
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Cullman, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmFirstCredit union · 1 branch
- Legacy Credit UnionCredit union · 1 branch
- Listerhill Credit UnionCredit union · 1 branch