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 Oro Valley, AZ
- Vantage West Credit UnionHigh Yield Money MarketHigh Yield Money Market · $10,000 min · 3.01%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Credit Union membership required. Requires $10,000 opening deposit and $500 minimum balance to maintain the account and remain open. Rates are variable and subject to change. No monthly service fees with eStatements.
Offer: 6-month promotional rate. Promotion runs August 1, 2026 to November 30, 2026. Must open new High Yield Money Market using new money (external funds) funded within 10 business days of account opening. Must maintain $500 minimum balance. Reverts to standard variable rate after 6 months. Cannot combine with relationship pricing or other promotions. Employees, Board Members, and Business HYMM accounts not eligible.
Qualified rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY $10,000 and upYour amount 4.00% $100,000 – $125,000Relationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. 3.01% $125,000 and upRelationship Rate APY requires: 1. Qualifying open Vantage West consumer checking account, 2. Monthly direct deposit of at least $750 to accounts under same Membership account, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. Eligibility reassessed monthly. 3.26% Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - Vantage West Credit UnionPremium SavingsSavings · $500 min · 0.30%–1.75% by balance
Credit union · 2 branches
1.75%APY$175 a year on $10,000with conditionsRequirements
Product: Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
Offer: Standard rate. No monthly maintenance fees.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Premium Savings Balance APY $500 – $10,000 0.30% $10,000 – $124,999Your amountRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. 1.75% $125,000 and upRelationship Rate requires: 1. Qualifying open Vantage West consumer checking account, 2. Total monthly direct deposit of at least $750/month to accounts under same Membership, 3. Aggregate loan and/or deposit balance of at least $10,000 in same Membership account. 1.75% Rate checked
More details - OneAZ Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min · 0.50%–2.56% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Only the funds that comprise each tier will earn the rate for that tier. Minimum balance fee of $10.00 per month applies if minimum balance requirements are not met.
Offer: Only the funds that comprise each tier will earn the rate for that tier.
0.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY $1,000 – $5,000 0.50% $5,000 – $10,000Blended APY ranges from 0.50% to 0.80%. 1.11%* $10,000 – $25,000Your amountBlended APY ranges from 0.80% to 1.23%. 1.51%* $25,000 – $50,000Blended APY ranges from 1.23% to 1.55%. 1.87%* $50,000 – $100,000Blended APY ranges from 1.55% to 1.79%. 2.03%* $100,000 and upBlended APY ranges from 1.79% to 2.48%. 2.56%* Rate checked
More details - 1.50%APY$150 a year on $10,000with conditions
Requirements
Product: Tiered balances earn tiered rates. Variable rates. Minimum of $500 to open and maintain account.
Offer: Standard non-relationship rate.
Qualified rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Pima Federal Credit UnionMoney Market Savings AccountMoney Market Savings Account · $1,000 min · 1.00%–4.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Maintaining a balance of $1,000 earns tiered APY rates. Rates may change monthly after the account is opened as determined by the Board of Directors. Dividends credited monthly.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $1,000 – $100,000Your amount 1.00% $100,000 – $250,000 1.20% $250,000 – $500,000 3.00% $500,000 and up 4.00% Rate checked
More details - Tucson Federal Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.00%–3.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Rate schedule is subject to change daily; Dividends are compounded daily and credited monthly; Effective date: 2026-09-01
Offer: Less than $1,000; Dividends may be earned on balances over $1,000.
0.00% interest rate · Compounded daily · Effective Sep 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $75,000 1.00% $75,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 2.75% $500,000 – $1,000,000 3.00% $1,000,000 and up 3.50% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 3 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Three qualifiers required for premium rate: at least 1 automatic ACH payment or ACH direct deposit post and clear per qualification cycle, at least 12 debit card transactions post and clear per qualification cycle, and enroll and receive electronic statements. Earns base rate of 0.20% APY on all balances if qualifications are not met.
Offer: Qualifying rate tier for balances up to $50,000 when all 3 qualifiers are met.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Kasasa® Saver Balance APY Up to $50,000Your amount 0.50% Over $50,000 0.20%* Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 3 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% 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 Oro Valley, AZ
44 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.43%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
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Tucson, AZ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 2 branches
- Vantage West Credit UnionCredit union · 14 branches
- OneAZ Credit UnionCredit union · 3 branches