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 Waterbury, CT metro
- Nutmeg State Financial Credit UnionHigh-Yield Savings Account (HYSA)Savings · $2,500 min · 0.00%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum $2,500 deposit required to open and earn advertised APY. Pair with Round-Up Checking to earn an additional 1.00% APY boost on balances of $2,500 to $100,000. No monthly maintenance fees.
Offer: Balances under $2,500 are not eligible to earn interest/dividends.
Qualified rate · 0.00% interest rate · No monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for High-Yield Savings Account (HYSA) Balance APY Up to $2,500 0.00% $2,500 – $100,000Your amountVariable rate. 4.00% $100,000 and upAvailable on new money only. 0.50% Rate checked
More details - 3.79%APY$379 a year on $10,000intro rate
Requirements
Product: Limited-time promotional offer. Requires new money not currently on deposit with Torrington Savings Bank. Business accounts are not eligible.
Offer: Fixed introductory rate for 90 days, then converts to Signature Money Market rate. Requires new money not currently on deposit with Torrington Savings Bank.
Promotional rate
Rate checked
More details - Nutmeg State Financial Credit UnionHigh-Yield Savings Account (HYSA)Savings · $2,500 min
Credit union · 2 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum $2,500 deposit required to open and earn advertised APY. Pair with Round-Up Checking to earn an additional 1.00% APY boost on balances of $2,500 to $100,000. No monthly maintenance fees.
Offer: Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum deposit of $2,500 required to open and earn APY. Base rate without checking boost.
Qualified rate · 2.96% interest rate · Balance cap $100,000 · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires linking to a Kasasa Cash or Kasasa Cash Back rewards checking account and $5 minimum deposit to open. To earn qualifying rates, the linked checking account must meet monthly qualifications (at least 12 debit card purchases, enrolled in and review eStatements, enrolled in and log into Online Banking); otherwise, base rate applies.
Offer: Base rate when monthly qualifications are not met in Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · 0.05% interest rate
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $100,000Your amountApplies when monthly qualifications are met in linked Kasasa checking account. 3.00% Over $100,000Earns 0.50% dividend rate resulting in 3.00-1.74% APY depending on balance when qualifications are met. 0.50%* Rate checked
More details - 2.84%APY$284 a year on $10,000
Requirements
Product: Initial deposit and minimum balance of $25.00 required. Dividends paid quarterly. Members own a share in the organization.
Offer: Dividends declared third quarter 2026. Paid quarterly.
2.80% interest rate · No monthly fee
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Offers tiered APY based on qualification and balance.
Offer: Qualifying account rate on balances up to $100,000.
Qualified rate
Rate by balance
Rate by balance for Kasasa Saver Account Balance APY Up to $100,000Your amount 2.50% Over $100,000 0.50% Rate checked
More details - 2.25%APY$225 a year on $10,000intro rate
Requirements
Product: Minimum deposit is $2,500 on new money only (funds not currently on deposit at MSCU). Existing funds can be added during term. Minimum $5 balance in membership share savings account required. After the promotional period ends, rates revert to standard Money Market Savings rates and tiers in effect. MSCU reserves the right to convert the promotional account to a standard Money Market Savings account without prior notice. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.
Offer: Minimum opening deposit of $2,500 on new money only; existing funds can be added during term. Minimum $5 balance in membership share savings account required. Variable rate; funds may be withdrawn at any time without penalty. After promotional period ends, rates revert to standard Money Market Savings rates and tiers.
Promotional rate · 2.23% interest rate · Effective Jun 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000
Requirements
Product: $5.00 deposit to open. Earns quarterly dividends. Member designates the savings goal. Payroll deduction available for CT State employees.
Offer: Earns quarterly dividends.
2.00% interest rate
Rate checked
More details - Pitney Bowes - Employees Federal Credit UnionAll Purpose AccountSavings · $50 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Balance of $50.00 is required to open an account and to receive stated APY. Fees could reduce earnings.
Offer: Balance of $50.00 is required to open an account and to receive stated APY.
2.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Pitney Bowes - Employees Federal Credit UnionSavings AccountSavings · $50 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Balance of $50.00 is required to open an account and to receive stated APY. Fees could reduce earnings.
Offer: Balance of $50.00 is required to open an account and to receive stated APY.
2.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Liberty BankMoney Market SpecialMoney Market Special · $25 min · 2.00%–3.00% by balance
Bank · 5 branches
2.00%APY$200 a year on $10,000Requirements
Product: Minimum to open is $25. Minimum daily balance to earn APY is $0.01. If the account owner is under the age of 18, the account must be a joint with a parent or guardian. Avoid $2 monthly paper statement fee with eStatements (account holders age 65 or over are exempt). Rate is variable and subject to change at any time. Must visit a branch to open.
1.98% interest rate · Effective Jan 5, 2026
Rate by balance
Rate by balance for Money Market Special Balance APY Up to $50,000Your amount 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.75% $250,000 and up 3.00% Rate checked
More details - Police Credit Union of CTMoney MarketMoney Market · $0 min · 1.66%–2.17% by balance
Credit union · 1 branch
1.66%APY$166 a year on $10,0001.65% interest rate · Effective Dec 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $20,000Your amount 1.66% $20,001 – $50,000 1.92% $50,000 and up 2.17% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Planning for Cash Emergencies. For unexpected life events (job loss, medical emergencies, home/auto repairs). $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Baby On Board. Prepare for new arrival and set aside funds for big purchases or appointments. $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Home Energy Liquidity Plan. Assists with expenses related to home energy efficiency & improvements. $5.00 minimum deposit in Share Savings required for membership. $50.00 fee applies to withdrawals used for non-qualifying purposes or lacking required documentation.
Offer: A minimum daily balance of $100.00 is required to earn the advertised APY and avoid a monthly service fee. Variable rate.
1.00% interest rate · Effective Oct 1, 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 Waterbury, CT metro
86 accounts at 26 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.50%
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Waterbury, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MSCUCredit union · 3 branches
- Police Credit Union of CTCredit union · 1 branch
- CSE Credit UnionCredit union · 1 branch