Savings Accounts

Highest Club Savings Account Rates

The highest club savings rate on Banksparency is 4.32% APY, advertised by SSB Bank on its Christmas Club. This page tracks 143 active club savings accounts from 118 banks.

By Aviel Fahl

Newest reading: Monday, September 14, 2026|FDIC or NCUA Insured

See the Highest Club Savings Account Rates All High-Yield Savings

Club Savings Account Rate Summary

118 banks tracked in this category.

The mean of all tracked club savings account APYs is 0.36%. The FDIC national average for savings accounts is 0.38% as of Aug 2026. The effective federal funds rate is 3.63% as of Sep 11, 2026.

Rates observed Monday, September 14, 2026

Market Snapshot

Top 10 Range

1.01%–4.32% APY

Average APY

0.36% APY

The mean of all tracked club savings accounts

FDIC National Average

0.38%

savings accounts, cap 4.38% · Aug 2026

Fed funds rate

3.63%

As of Sep 11, 2026

118 banks tracked|143 active club savings accounts

What a higher rate is worth

A year at the FDIC national average returns about $38 in interest on a $10,000 balance. The highest club savings accounts we track advertise 1.01%–4.32% APY.

The neighbouring rankings, if this is not the account you want:

Highest Savings Rates Youth Savings Health Savings (HSA)IRA Savings Business Savings

Newest reading Monday, September 14, 2026.

Highest Club Savings Account Rates Right Now

Ordered by highest APY. The top 50 of 143 products tracked.

SSB Bank leads at 4.32% APY on its Christmas Club. The tenth-ranked club savings rate is 1.01%, so the top ten span 3.31 points. The leader is 11.4 times the FDIC national average of 0.38%.

Highest Savings Rates

4.32% APY

SSB Bank

Christmas Club

4.06% APY

Diamond Bank

Christmas Club

2.52% APY

Chelsea Savings Bank

Silver & Gold Christmas Club

Institution	Product / Term	APY	Min. Deposit
SSB Bank	Christmas Club	4.32%	$0
Diamond Bank	Christmas Club	4.06%	$10
Chelsea Savings Bank	Silver & Gold Christmas Club	2.52%	—
Fidelity Bank & Trust	Christmas Club	2.50%	—
UNICO Bank	Christmas Club Savings	2.50%	$1
The Citizens State Bank	Christmas Club	2.02%	$100
The Delaware National Bank of Delhi	Christmas Club	2.00%	$1
Auburn Savings Bank, FSB	Christmas Club	1.50%	$1
Farmers & Merchants State Bank	Holiday Savings	1.25%	$10
The FNB Community Bank	Christmas Savings Club	1.01%	$1
The FNB Community Bank	Vacation Savings Club	1.01%	$1
First Community Bank of Hillsboro	Christmas Club Account	1.00%	—
First Community Bank of Hillsboro	Summer Savings Club	1.00%	—
Pathway Bank	Christmas Club Savings	1.00%	$50
Solon State Bank	Christmas Club	1.00%	$10
Farmers and Merchants Union Bank	Christmas Savings	0.75%	$1
First Federal Savings and Loan Association of Central Illinois, S.B.	Christmas Club Savings	0.75%	$0
The First National Bank of Brownstown	Christmas Club Account	0.75%	$1
The First National Bank of Brownstown	Vacation Club Account	0.75%	$1
The Citizens-Farmers Bank of Cole Camp	Christmas Club	0.65%	$1
The First National Bank of McConnelsville	Christmas Club Account	0.60%	$5
American Bank & Trust Company, Inc.	Christmas Club	0.50%	$10
American Bank & Trust Company, Inc.	Vacation Club	0.50%	$10
Arundel Federal Savings Bank	Christmas Club	0.50%	$10
Arundel Federal Savings Bank	Vacation Club Account	0.50%	$10
Citizens Bank	Christmas Club	0.50%	$10
First Shore Federal Savings and Loan Association	Christmas Club	0.50%	—
Roxboro Savings Bank, SSB	Christmas Club	0.50%	$10
ESB Financial	Christmas Savings	0.45%	—
First Federal Savings and Loan Association of Bath	Winter Fuel Fund	0.45%	$10
First Community Bank of Moultrie County	Christmas Club	0.40%	$1
Peoples Trust and Savings Bank	Christmas Club	0.40%	$0
Farmers National Bank	Christmas Club	0.35%	$0
United Bank of Union	Christmas Club	0.35%	—
United Bank of Union	Vacation Club	0.35%	—
Compass Savings Bank	Christmas Club	0.30%	$25
Farmers State Bank of Western Illinois	Christmas Club w/ Auto Payments	0.30%	—
Prairie Community Bank	Club Account	0.30%	$10
The Delaware National Bank of Delhi	Tax Club	0.30%	$10
West Central Bank	Christmas Club / Vacation Club 1,4	0.30%	$0
Cape Ann Savings Bank	Christmas Club Account	0.25%	$0
Citizens Bank & Trust Co.	Christmas Club	0.25%	$10
Citizens Savings Bank	Christmas Club	0.25%	$5
Clarion County Community Bank	Christmas Club - Direct Debit	0.25%	$5
Farmers State Bank of Western Illinois	Christmas Club	0.25%	—
First Choice Bank	Christmas Club Savings	0.25%	$25
First State Bank	Club Account	0.25%	$1
GSL Savings Bank	Holiday Club	0.25%	$2
Lindell Bank & Trust Company	Christmas Club Savings	0.25%	—
Mercer County State Bank	Christmas Club Direct	0.25%	$0

Club Savings Account rate questions

What is the highest club savings rate right now?

SSB Bank advertises 4.32% APY on its Christmas Club, the highest of 143 active club savings accounts tracked on Banksparency.

What is the average club savings rate?

The mean of all 143 tracked club savings account APYs is 0.36%. It is a plain mean across every tracked product.

How do the top club savings rates compare with the FDIC national average?

The ten highest advertised rates run from 1.01% to 4.32% APY, against an FDIC national average of 0.38%. The FDIC national rate cap for savings accounts is 4.38%.

When were these club savings rates last observed?

The newest reading on this page is from Monday, September 14, 2026. Banksparency reads each institution's advertised rate on that institution's own website, and it records the date of each reading. Some rates on this page carry an earlier date. A rate can change at any time, so confirm it with the institution before you open an account.