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 1–13 results in Troy, AL metro · Few institutions in Troy, AL metro: choose a wider area in the filters
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Requires opening an Ultimate Checking account and meeting monthly account requirements to earn dividends. 2 withdrawals per month; additional withdrawals may incur a fee. No monthly service fees. $10 minimum deposit required when opened online.
Offer: Requires $10,000 average daily balance and meeting Ultimate Checking monthly objectives to earn dividends. Dividends paid monthly.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: Daily balance of $2,500 required; account has checkbook feature.
Offer: Daily balance required: $2,500 to $9,999.99.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - MAX Credit UnionElevate Money Market AccountElevate Money Market Account · $50 min · 1.00%–5.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Age restrictions apply. Subject to eligibility requirements.
Offer: Dividends paid monthly. No minimum monthly balance required. Reverse money market tier.
No monthly fee
Rate by balance
Rate by balance for Elevate Money Market Account Balance APY Up to $2,500 5.00% $2,500 – $5,000 4.00% $5,000 – $15,000Your amount 3.00% Over $15,000 1.00% Rate checked
More details - All In Credit UnionMoney Market AccessMoney Market Access · $0 min · 1.11%–1.66% by balance
Credit union · 1 branch
1.11%APY$111 a year on $10,000Requirements
Product: Dividends are calculated on the average daily balance, compounded monthly, and credited monthly. Rates are declared monthly and may change after the account is opened.
1.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Access Balance APY Up to $25,000Your amount 1.11% $25,000 – $50,000 1.26% $50,000 – $175,000 1.46% $175,000 and up 1.66% Rate checked
More details - All In Credit UnionPreferred Financial Advisor Savings AccountSavings · $0 min · 0.65%–3.96% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account eligibility requires meeting with an All In Credit Union Preferred Financial Advisor. Dividends are compounded and credited monthly based on the average daily balance. Rate is based upon FHLB borrowing rate less (0.25%) basis points on the last business day of the month and changes on the 1st of each month.
Offer: Dividends compounded and credited monthly. Rate based on FHLB borrowing rate less 0.25% basis points. Eligibility requires meeting with an All In Credit Union Preferred Financial Advisor.
0.65% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Preferred Financial Advisor Savings Account Balance APY Up to $150,000Your amount 0.65%* $150,000 and up 3.96%* Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: The par value of each share will be $0.01. Rates are declared quarterly and may change after the account is opened.
Offer: Rates are declared quarterly and may change after the account is opened. The par value of each share will be $0.01.
0.65% interest rate
Rate checked
More details - MAX Credit UnionPrivate Reserve Money Market AccountPrivate Reserve Money Market Account · $2,500 min
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Offer: Dividends paid monthly. Rate changes effective on the first day of each month.
Rate checked
More details - Guardian Credit UnionPrimary Share AccountSavings · $100 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Primary Share Account establishes membership in the credit union. No monthly service fees. Dividends earned quarterly on average daily balances above $100. Online opening minimum is $1.
Offer: Average daily balance $100 - $2,999; dividends paid quarterly.
0.10% interest rate · No monthly fee
Rate by balance
Rate by balance for Primary Share Account Balance APY $100 – $2,999 0.10% $3,000 and upYour amount 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must be a U.S. citizen or resident alien and 19 years of age or older (under 19 with a qualified guarantor) with a U.S. address, SSN, ID, and valid email address. For members at least 19 years of age holding no other accounts except a share or share/club accounts, must maintain an average daily balance of $100.00 to receive dividends.
Offer: Dividends paid quarterly.
0.00% interest rate
Rate by balance
Rate by balance for Share Balance APY Up to $100 0.00% $100 – $2,500 0.08% $2,500 and upYour amount 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.01% interest rate · $12 monthly fee · Effective Oct 10, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Troy, AL metro
13 accounts at 4 banks and credit unions · checked Oct 22
- Typical
- 0.30%
- Top 10% from
- 3.20%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.65%
Is your bank paying you enough?
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Troy, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Guardian Credit UnionCredit union · 1 branch
- MAX Credit UnionCredit union · 1 branch
- All In Credit UnionCredit union · 1 branch