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 1–14 results in Monticello, IN metro
- 4.00%APY$400 a year on $10,000intro rate
Requirements
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 - Industrial Federal Credit UnionFunds Manager SavingsSavings · $2,500 min · 0.00%–2.27% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Dividends are compounded and paid monthly. Minimum balance to open is $2,500.
0.00% interest rate
Rate by balance
Rate by balance for Funds Manager Savings Balance APY Up to $2,500 0.00% $2,500 – $10,001Your amount 1.01% $10,001 – $25,000 1.11% $25,000 – $100,000 1.31% $100,000 – $250,000 1.87% $250,000 and up 2.27% Rate checked
More details - Industrial Federal Credit UnionFunds ManagerFunds Manager · 0.00%–2.27% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Offer: Assumes dividends remain in account until maturity. Fees may reduce earnings. Minimum balance $2,500.00.
0.00% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Funds Manager Balance APY Up to $2,500 0.00% $2,500 – $10,001Your amount 1.01% $10,001 – $25,000 1.11% $25,000 – $100,000 1.31% $100,000 – $250,000 1.87% $250,000 and up 2.27% Rate checked
More details - 0.75%APY$75 a year on $10,000
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $5.00 minimum balance required to be a member in good standing. All members must have this type of account.
Offer: $5.00 minimum balance required to be a member in good standing. All members must have this type of account.
0.75% interest rate
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Interest compounded monthly. Rates are accurate as of the effective date and subject to change.
Offer: Interest compounded monthly.
0.40% interest rate · Compounded monthly · Effective Sep 28, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $100,000Your amount 0.40% $100,000 and up 1.50% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Interest compounded monthly. Rates are accurate as of the effective date and subject to change.
Offer: Interest compounded monthly.
0.25% interest rate · Compounded monthly · Effective Sep 28, 2026
Rate by balance
Rate by balance for Hi-Fi Plus Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.40% $30,000 and up 0.60% $50,000 and up 0.95% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Tiered interest structure – adjustable rate. Interest compounds monthly and is credited monthly. A monthly maintenance fee of $5.00 is imposed if the account falls below a daily balance of $10,000.00. Must maintain a minimum daily balance of $1.00 each day to obtain the disclosed annual percentage yield. Check writing ability included.
Offer: Tiered rate for $9,999.99 & Under. Must maintain a minimum daily balance of $1.00 each day to obtain disclosed APY. $5.00 monthly fee if balance falls below $10,000.00. Interest compounds and credits monthly.
0.25% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for HiFi Plus Balance APY Up to $10,000 0.25% $10,000 – $30,000Your amountTiered rate for $10,000.00. 0.40% $30,000 – $50,000Tiered rate for $30,000.00. 0.60% $50,000 and upTiered rate for $50,000.00. 0.95% Rate checked
More details - Alliance BankPersonal Money MarketPersonal Money Market · $0 min · 0.34%–1.00% by balance
Bank · 2 branches
0.34%APY$34 a year on $10,000Requirements
Product: Tiered-Interest Bearing Account. Interest is compounded and credited monthly to the account balance. $10.00 Monthly Service Charge waived by maintaining a minimum daily balance of $5,000 or more. Free Online Statements; Paper Statements available for $3 per month.
Offer: Monthly service charge waived with minimum daily balance of $5,000 or more.
0.34% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $25,000Your amount 0.34% $25,000 – $50,000 0.49% $50,000 – $100,000 0.75% $100,000 – $250,000 0.90% $250,000 and up 1.00% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service charge of $4.00 is waived if the account owner is under age 25, age 65 or older, or maintains a minimum daily balance of $300.
Offer: Monthly service fee of $4.00 waived if under age 25, age 65 or older, or with a minimum daily balance of $300. Interest compounded and credited quarterly.
0.10% interest rate · $4 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership upon opening. Dividends compounded and paid quarterly.
0.10% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Available for all sorts of purposes; open as many as needed. Dividends compounded and paid quarterly.
0.10% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Interest is compounded and credited quarterly. Rate may change after the account is opened. A monthly maintenance fee of $2.00 applies if the daily balance falls below $100.00 (waived for primary owners 18 and younger).
Offer: Interest is compounded and credited quarterly. $2.00 monthly maintenance fee is imposed if the account falls below a daily balance of $100.00; fee waived for primary owners 18 and younger.
0.10% interest rate · $2 monthly fee · Effective Sep 28, 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 in Monticello, IN metro
14 accounts at 5 banks and credit unions · checked Oct 15–17
- Typical
- 0.40%
- Top 10% from
- 1.01%
- Banks, typical
- 0.37%
- Credit unions, typical
- 0.75%
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Monticello, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 1 branch