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 256–270 results
- Ascension Credit UnionEmergency Fund | SavingsSavings · $0 min · 0.25%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000Requirements
Product: Must make withdrawals in person and state emergency
Offer: Average monthly balance below $10,000 earns rate equivalent to 6mo CD rate; must make withdrawals in person and state emergency
3.45% interest rate · No monthly fee
Rate by balance
Rate by balance for Emergency Fund | Savings Balance APY Up to $10,000Your amount 3.50% Over $10,000 0.25% Rate checked
More details - Harvard Federal Credit UnionSmart Rewards SavingsSavings · $0 min
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Requires an attached Smart Rewards Checking account. Limit of one Smart Rewards Savings account per member. No monthly maintenance fees and no minimum balance required.
Offer: Applies to balances up to and including $25,000 when Smart Rewards Checking monthly qualifications (12 debit card purchases posted/settled, access online/mobile banking at least once, e-statements) are met.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - East Cambridge Savings BankEast Cambridge Money MarketEast Cambridge Money Market · $25 min
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Must be linked with East Cambridge Checking to earn bonus rate. Exclusively for East Cambridge Checking customers. Personal deposits of Massachusetts residents only. No monthly maintenance fees. $25.00 minimum deposit required to open account.
Offer: Monthly qualifications met (25 Point-of-Sale transactions, 1 External Withdrawal posted and settled to linked East Cambridge Checking account during the month, and eStatements on account). Includes ATM rebates up to $20.00 for foreign bank ATM surcharges (capped at $5.00 per individual charge) and up to $10.00 in ECSB Foreign ATM charges.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - Velocity Community Credit UnionHigh Yield Savings - New Money OnlySavings · $10,000 min
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Must be opened with new money (funds transferred or brought in from an external financial institution). In order to maintain the account, must have a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening. To earn the disclosed dividend, must maintain a balance between $10,000 and $100,000.
Offer: Must be opened with new money and maintain a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening.
Qualified rate · 3.44% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - Amerant BankRelationship Money MarketRelationship Money Market · $100 min
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Domestic personal accounts only (advertised rate applies in Florida). Must be a US citizen or resident alien with valid US TIN. Variable rate account. Must open an account by 10/09/2026 to get the promotional rate. $35 monthly service fee waived by maintaining a $50,000 balance per statement cycle. 6 free withdrawals/transfers per statement cycle ($12 each after). Minimum $100 balance required to earn interest.
Offer: Promotional rate; must open account by 10/09/2026. Stated offer is valid only for Domestic Personal Account customers in Florida. Must be a citizen or resident alien of the US with valid US TIN. Variable rate account. $35 monthly service fee waived with $50,000 balance per statement cycle.
Promotional rate · $35 monthly fee · Effective Sep 10, 2026
Rate checked
More details - Blue Grass FederalMoney Market SpecialMoney Market Special · $5,000 min
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Valid only for new money not currently on deposit with Blue Grass Federal. Promotional rate locked for first 5 months; after 5 months rate reverts to standard tiered rates based on Select Money Market account. $10 monthly fee waived with minimum average daily balance of $5,000 during promo (minimum average daily balance $10,000 required after promo). $50 fee if closed before 150 days. Limit 6 preauthorized/electronic transactions per month.
Offer: Promotional rate for first 5 months; minimum average daily balance of $5,000 required to avoid $10 monthly service fee during promo.
Promotional rate · 3.45% interest rate · $10 monthly fee · Effective Nov 7, 2025
Rate checked
More details - Avadian Credit UnionHigh-Yield SavingsSavings · $0 min · 0.25%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Limit one High-Yield Savings account per Primary member. Must be enrolled in e-Statements and have an Avadian checking account with monthly direct deposits of at least $500 to receive promotional rate; otherwise 0.25% APY applies to all balance ranges.
Offer: Promotional rate requires enrollment in e-Statements and monthly direct deposits of at least $500 to an Avadian checking account. Otherwise 0.25% APY applies.
Qualified rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 3.50% Over $25,000 0.25% Rate checked
More details - Union County Savings BankHigh-Yield SavingsSavings · $100 min · 0.05%–3.50% by balance
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Variable account; rate may change after account is open. A Cash Back Checking account is required to earn 3.50% APY on balances up to $100,000.
Offer: Applies if qualifying transactions are not met.
Qualified rate · 0.04% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Any balance 0.05% Up to $100,000Your amountRequires Cash Back Checking account and qualifying transactions. 3.50% $100,000 and up 0.50% Rate checked
More details - Meritrust Credit Union – ColoradoPremium High Yield Savings AccountSavings · $5,000 min
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Exclusive to members with Premium Perks Checking accounts. The Premium High Yield Savings Account must be titled under the same tax reported owner as the Premium Perks Checking Account. If you close your Premium Perks Checking Account or change to a different checking account type, the savings account will be closed.
Offer: $5,000.00 minimum balance to open and to earn the advertised APY. Requires open Premium Perks Checking Account.
Qualified rate · 3.45% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Requires an aggregate average balance of $1 million or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A.
Offer: Requires an aggregate average balance of $1 million or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A.
Qualified rate · 3.39% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000
Requirements
Product: Account must be funded within 30 days to remain open. Digital account.
Offer: Must be funded within 30 days to remain open.
3.46% interest rate · Effective Sep 15, 2026
Rate checked
More details - Freedom Credit UnionHigh Yield SavingsSavings · $5 min · 0.05%–3.50% by balance
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Qualifying Cash or Cash Back checking account required to open or receive rewards. Must meet monthly qualification requirements: at least 1 direct deposit/ACH credit/ACH payment transaction, at least 12 debit card purchases, and enrolled in e-statements. If qualifications are not met, base rate of 0.05% APY applies to all balances. No monthly maintenance fee. Limit 1 account per member. Minimum opening deposit stated as $0.00 in rate table, and $5.00 or $25.00 in text/disclosures.
Offer: Base rate earned on entire average daily balance if qualifications in linked High Yield Rewards or Cash Back Rewards checking are not met. Dividend rate is 0.050%.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Any balance 0.05% Up to $250,000Your amountWhen qualifications are met in linked checking account. Dividend rate is 3.45%. text notes no minimum balance required to earn stated dividend. Stated opening deposit is $0.00 in rate table ($5.00/$25.00 in disclosures). 3.50% Rate checked
More details - Integro BankMoney Market Savings AccountMoney Market Savings Account · $100 min
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Offer: Double Our Rate Money Market promotion for new & existing customers: open or use an existing Integro Bank Premier Checking Account or Integro Bank Analysis Account. Analysis Accounts with sweep services do not qualify. Existing Special Rate does not qualify. If the Premier Checking or Analysis account is closed, reverts to current High Yield Money Market APY in effect.
Qualified rate
Rate checked
More details - Quorum Federal Credit UnionHighQ SavingsSavings · $0 min
Credit union · Add a location to see nearby branches
3.50%APY$350 a year on $10,000Requirements
Product: Variable rate savings account. No minimum balance to open or earn APY. $10 monthly fee if receiving paper statements; no monthly fee when enrolled in eStatements.
Offer: Earns on all balances. $10 monthly fee if receiving paper statements; waived with eStatements.
3.45% interest rate · $10 monthly fee · Effective Aug 13, 2026
Rate checked
More details - All Capital BankImpact: Consumer SavingsSavings · $1,000 min · 0.00%–3.50% by balance
Bank · Add a location to see nearby branches
3.50%APY$350 a year on $10,000Requirements
Product: Available to current and retired educators and first responders. No monthly maintenance fee.
Offer: Tier 1: Below $999.99 daily balance. Available to current and retired educators and first responders.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Impact: Consumer Savings Balance APY Up to $1,000 0.00% $1,000 – $250,000Your amount 3.50% $250,000 and up 2.00% 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 nationwide
12,190 accounts at 4,873 banks and credit unions · checked Oct 16–23
- Typical
- 0.21%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank