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 Paducah, KY-IL metro
- FNB BankHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 1.50%–3.66% by balance
Bank · 2 branches
3.42%APY$342 a year on $10,000with conditionsRequirements
Product: Must have/establish and maintain an FNB Checking account with a minimum ledger balance of $1,000 to be eligible to open HYMM. If associated checking account closes, becomes inactive for 12 months, or balance falls below minimum, HYMM rate will be changed to lowest tier rate. Minimum opening deposit is $10,000. Available to consumers only (not available to businesses). Interest compounded and credited monthly; accrued interest not paid if account closes before interest is credited.
Offer: Under $10,000 tier. Also applies if associated checking account closes, becomes inactive for 12 months, or balance falls below $1,000.
Qualified rate · Effective Jul 13, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $10,000 1.50% $10,000 – $49,999Your amount 3.42% $50,000 – $99,999 3.42% $100,000 – $249,999 3.66% $250,000 and up 3.66% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must be bundled with YourStart Checking. $3 monthly fee applies if balance falls below $50. 4 free withdrawals per month ($2 per excess withdrawal). One YourStart Bundle allowed per primary account holder.
Offer: Premium APY applies to the first $15,000 in savings when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50.
Qualified rate · $3 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for YourStart® Savings Balance APY Up to $15,000Your amount 3.00% $15,000 and up 0.25% 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 - SIU Credit UnionCustom Money MarketCustom Money Market · $0 min · 1.61%–2.07% by balance
Credit union · 1 branch
1.71%APY$171 a year on $10,000Requirements
Product: Dividend rates are tiered.
Offer: Tier 1 ($0.01-$4999.99); minimum balance to earn dividends is $0.01
1.60% interest rate
Rate by balance
Rate by balance for Custom Money Market Balance APY Up to $5,000 1.61% $5,000 – $10,000 1.66% $10,000 – $25,000Your amount 1.71% $25,000 – $50,000 1.81% $50,000 – $100,000 1.97% $100,000 and up 2.07% 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 - Signet Federal Credit UnionSpecial SavingsSavings · $5 min · 0.40%–1.25% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
Offer: Average daily balance method; dividends credited quarterly.
0.40% interest rate · No monthly fee
Rate by balance
Rate by balance for Special Savings Balance APY Up to $5,000 0.40% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.95% $25,000 – $100,000 1.10% $100,000 and up 1.25% Rate checked
More details - Signet Federal Credit UnionRegular SavingsSavings · $5 min · 0.40%–1.25% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
Offer: Average daily balance method; dividends credited quarterly.
0.40% interest rate · No monthly fee
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $5,000 0.40% $5,000 – $10,000Your amount 0.50% $10,000 – $25,000 0.95% $25,000 – $100,000 1.10% $100,000 and up 1.25% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Requires $5 opening deposit.
0.00% interest rate · Effective Mar 1, 2023
Rate by balance
Rate by balance for Membership Shares Balance APY Up to $5 0.00% Up to $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - SIU Credit UnionBailey Bobcat SavingsSavings · $5 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Only $5 to Open. No Minimum Balance. Dividends Paid Monthly. One Free Withdrawal per Month $5 for Each Additional.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Bailey Bobcat Savings Balance APY Up to $5 0.00% Up to $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - SIU Credit UnionCustom Daily SavingsSavings · $0 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Custom Daily Savings Balance APY Up to $500 0.00% $500 – $2,000 0.30% $2,000 – $10,000 0.35% $10,000 – $25,000Your amount 0.40% $25,000 and up 0.50% Rate checked
More details - First Community Bank of the HeartlandIndividual Money MarketIndividual Money Market · $500 min · 0.00%–3.71% by balance
Bank · 3 branches
0.33%APY$33 a year on $10,000Requirements
Product: $6 monthly fee if minimum balance falls below $1,500. Variable rates subject to change daily.
Offer: $6 monthly fee if minimum balance falls below $1,500.
$6 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Individual Money Market Balance APY Up to $1,500 0.00% $1,500 – $25,000Your amount 0.33% $25,000 – $50,000 0.61% $50,000 – $100,000 1.21% $100,000 – $300,000 3.01% $300,000 – $500,000 3.11% $500,000 – $1,000,000 3.41% $1,000,000 and up 3.71% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.30% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership Share dividends are declared monthly by the Board of Directors.
0.00% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Premier Now Balance APY Up to $1,000 0.00% $1,000 – $2,000 0.20% $2,000 – $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 and up 0.35% 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
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 Paducah, KY-IL metro
30 accounts at 10 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.30%
- Top 10% from
- 2.00%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.30%
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Paducah, KY-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Signet Federal Credit UnionCredit union · 3 branches