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 Muncie, IN metro
- 4.00%APY$400 a year on $10,000
Requirements
Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.
Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.
No monthly fee · Effective Mar 30, 2026
Rate checked
More details - Thrive Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.66%–2.27% by balance
Credit union · 3 branches
1.66%APY$166 a year on $10,000Requirements
Product: $2,500.00 minimum balance. Up to 3 withdrawals per month. Checks can be ordered for the account. Dividends posted monthly and are subject to change without notice.
1.65% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 1.66% $25,000 – $50,000 1.81% $50,000 – $100,000 2.02% Over $100,000 2.27% Rate checked
More details - CrossRoads Financial Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.26% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Withdrawals allowed up to three times per month. Rates may change after the account is opened.
0.50% interest rate · Effective Jul 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 and upYour amount 1.26% Rate checked
More details - Indiana Members Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.21%–2.43% by balance
Credit union · 1 branch
1.21%APY$121 a year on $10,000Requirements
Product: Membership savings account required. No monthly fee with a minimum balance of $2,500; accounts below $2,500 may incur a fee.
Offer: Membership savings account required. Minimum balance of $2,500 required to earn dividends.
1.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $19,999Your amount 1.21% $20,000 – $49,999 1.51% $50,000 – $99,999 1.81% $100,000 – $249,999 2.22% $250,000 and up 2.43% Rate checked
More details - 3Rivers Federal Credit UnionMoney MarketMoney Market · $5,000 min · 1.00%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: A $5,000 minimum balance is required to open. If balance falls below $5,000 during the month, the dividend rate drops to the Standard Savings rate and a $10 monthly maintenance fee is incurred. If the balance falls below the minimum for the tier, the rate drops to lower tier. Daily compounding credited monthly.
Offer: A $10 monthly maintenance fee will be incurred on balances less than $5,000.
0.99% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 – $45,000 1.10% $45,000 – $65,000 1.20% $65,000 – $85,000 1.30% $85,000 – $125,000 1.40% $125,000 and up 1.50% 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 - Prime Trust Financial Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–1.26% by balance
Credit union · 4 branches
0.80%APY$80 a year on $10,000Requirements
Product: No monthly service or account origination fees. Check writing and debit card ATM withdrawals available.
0.05% interest rate · No monthly fee · Effective Jan 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.05% $2,500 – $24,999Your amount 0.80% $25,000 – $49,999 0.90% $50,000 and up 1.26% Rate checked
More details - 3Rivers Federal Credit UnionMoney PlusMoney Plus · $10,000 min · 0.55%–0.85% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: A $10,000 minimum balance is required to open. May issue up to 3 checks per month. If balance falls below $10,000 any time during the month, dividend rates become equal to stated Standard Savings rate and a $15 monthly maintenance fee is incurred. Daily compounding credited monthly.
Offer: A $15 monthly maintenance fee will incur for balances falling below $10,000.
0.55% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Plus Balance APY $10,000 – $35,000Your amount 0.55% $35,000 – $75,000 0.60% $75,000 – $125,000 0.70% $125,000 – $500,000 0.75% $500,000 and up 0.85% Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 5 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - Indiana Members Credit UnionMembership SavingsSavings · $5 min · 0.05%–0.30% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Membership savings account required. Dividend rate is variable and may change after account is opened. Free eStatements.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Membership Savings Balance APY Up to $999 0.05% $1,000 – $9,999 0.15% $10,000 and upYour amount 0.30% 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: 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 - Northwest BankAffinity Plus Money MarketAffinity Plus Money Market · $25 min · 0.10%–0.30% by balance
Bank · 5 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must have Affinity Plus Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Plus Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Plus Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 – $5,000,000 0.30% $5,000,000 and up 0.30% Rate checked
More details - Northwest BankAffinity Money MarketAffinity Money Market · $25 min · 0.05%–0.20% by balance
Bank · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Monthly service charge of $10 can be avoided with an Affinity Checking or $2,500 average daily balance. Designed to work alongside your checking account. Variable rate account; rates valid only for accounts opened online.
Offer: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Checking or $2,500 average daily balance.
$10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Money Market Balance APY Up to $5,000 0.05% $5,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.20% $250,000 – $5,000,000 0.20% $5,000,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends calculated on daily balance, compounded monthly, credited monthly. Monthly fee is $5, waived if any of the following apply: receive eStatements, minimum daily balance of at least $500, individual combined relationship balance of at least $2,500, account is 60 days old or less, primary owner is under age 18, or primary owner of an active 3Rivers consumer checking account.
Offer: Monthly fee of $5 waived with eStatements, $500 daily account balance, $2,500 combined relationship balance, account age <= 60 days, owner under age 18, or active consumer checking ownership.
0.10% interest rate · Compounded monthly · $5 monthly fee · Effective Oct 5, 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 Muncie, IN metro
28 accounts at 10 banks and credit unions · checked Sep 25–Oct 16
- Typical
- 0.10%
- Top 10% from
- 1.23%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
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Muncie, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Indiana Members Credit UnionCredit union · 1 branch
- Thrive Credit UnionCredit union · 3 branches
- First County FCUCredit union · 2 branches