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 Lakewood, CO
- Westerra Credit UnionSummerPay SaverSavings · $0 min · 0.05%–6.00% by balance
Credit union · 2 branches
6.00%APY$600 a year on $10,000with conditionsRequirements
Product: Available exclusively to eligible educational professionals employed within the state of Colorado. Requires an active Westerra Smart Money Checking account to open and maintain. Funds automatically transfer to the primary savings account on June 1 annually.
Offer: Rate accurate as of 7-1-2026. Available exclusively to eligible educational professionals employed in Colorado with an active Smart Money Checking account.
Qualified rate · 5.84% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for SummerPay Saver Balance APY Up to $10,000Your amount 6.00% Over $10,000 0.05% Rate checked
More details - 4.34%APY$434 a year on $10,000
Requirements
Product: Personal & Business.
Offer: Earn up to 4.34% APY.
Rate checked
More details - 4.07%APY$407 a year on $10,000
Requirements
Offer: Variable-rate account; APY is variable and subject to change. Minimum balance to earn advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
Rate checked
More details - 4.07%APY$407 a year on $10,000
Requirements
Offer: Annual Percentage Yield (APY) is variable and subject to change. Minimum balance to earn the advertised APY is $1,000. Interest compounds daily and is paid monthly.
4.00% interest rate · Effective Aug 12, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Credit Union of ColoradoEveryday Account w/High-Yield SavingsSavings · $500 min
Credit union · 1 branch
3.30%APY$330 a year on $10,000with conditionsRequirements
Product: Must be enrolled in digital banking and maintain an Everyday Account or Everyday Account w/ Interest in good standing receiving a monthly external digital deposit totaling at least $500. Limit 1 per primary membership. Consumer accounts only (business, youth, and trust accounts not eligible). Account allows no more than 3 withdrawals per calendar month. $10 monthly fee applies if opened greater than 60 days and fails to meet requirements ($500 daily minimum balance, $500 monthly external deposit, or eStatements enrollment). Account subject to closure if not funded within 60 days.
Offer: Rate applies to savings account only on days when balance is between $500 and $25,000. Amounts over $25,000 do not earn interest. Requires maintaining a minimum daily balance of $500, receiving monthly external electronic deposit of at least $500 into Everyday Checking Account, and enrollment in eStatements to avoid $10 monthly fee. Dividends credited monthly.
Qualified rate · 3.25% interest rate · Balance cap $25,000 · $10 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 2 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 2 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Canvas Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $0 min · 1.00%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Tiered rate account where the interest rate for a particular tier applies to the entire account balance if within the balance range. Interest compounded and credited monthly.
Offer: Tier rate applies to entire balance. Interest compounded and credited monthly.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $1,000 1.00% $1,000 and upYour amount 3.00% Rate checked
More details - 2.80%APY$280 a year on $10,000with conditions
Requirements
Product: Only one (1) Peak Savings Account per SSN. To qualify, member must maintain an open Peak Checking account; otherwise the account will be changed to a personal savings account at the prevailing rate. Three (3) withdrawals allowed per month; $10 excess withdrawal fee incurred for each additional withdrawal.
Offer: Variable rate. No minimum balance to earn stated APY. No minimum opening deposit. No maximum deposit.
Qualified rate · 2.77% interest rate · No monthly fee · Effective Mar 1, 2026
Rate checked
More details - Bellco Credit UnionMember Money Market AccountMember Money Market Account · $1,000 min · 0.00%–2.70% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $1,000 minimum opening/account balance. A $10 fee applies if daily balance drops below minimum balance requirement. Membership eligibility required.
Offer: Balances below $1,000 do not earn interest. Daily balance below $1,000 incurs a $10 fee.
0.00% interest rate · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Member Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $10,000 2.35% $10,000 – $25,000Your amount 2.70% $25,000 and up 2.70% Rate checked
More details - Bellco Credit UnionPremier Money Market AccountPremier Money Market Account · $10,000 min · 0.00%–3.25% by balance
Credit union · 1 branch
2.70%APY$270 a year on $10,000Requirements
Product: Requires $10,000 minimum deposit to open. A low balance fee of $10 is assessed if the daily balance drops below $10,000. Interest compounded daily and paid monthly. Membership eligibility required.
Offer: Balances below $10,000 do not earn interest. Daily balance below $10,000 incurs a $10 fee.
0.00% interest rate · Compounded daily · $10 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.00% $10,000 – $50,000Your amount 2.70% $50,000 and up 3.25% Rate checked
More details - Westerra Credit UnionMoney Market SelectMoney Market Select · $0 min · 2.00%–3.25% by balance
Credit union · 2 branches
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. IRA, Roth IRA, and Business accounts are not eligible for this product. No monthly maintenance fees or minimum opening balance required.
Offer: Requires meeting account requirements: 10 combined debit/credit card purchase transactions that post and clear in the statement month on the same membership account. Waived in first statement cycle.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Select Balance APY Up to $1,000 2.00% $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.50% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% 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
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 Lakewood, CO
78 accounts at 22 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 3.05%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.23%
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Denver, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Canvas Credit UnionCredit union · 22 branches
- Bellco Credit UnionCredit union · 21 branches