Savings Accounts
Highest Club Savings Account Rates
The highest club savings rate on Banksparency is 5.30% APY, advertised by Independence State Bank on its Christmas Club. This page tracks 352 active club savings accounts from 287 banks.
By Aviel Fahl
|Club Savings Account Rate Summary
287 banks tracked in this category.
The mean of all tracked club savings account APYs is 0.50%. The FDIC national average for savings accounts is 0.37% as of Sep 2026. The effective federal funds rate is 3.88% as of Oct 1, 2026.
Market Snapshot
Top 10 Range
3.00%–5.30% APY
Average APY
0.50% APY
The mean of all tracked club savings accounts
FDIC National Average
0.37%
savings accounts, cap 4.38% · Sep 2026
Fed funds rate
3.88%
As of Oct 1, 2026
What a higher rate is worth
A year at the FDIC national average returns about $37 in interest on a $10,000 balance. The highest club savings accounts we track advertise 3.00%–5.30% APY.
The neighbouring rankings, if this is not the account you want:
Latest Rate Changes
Review every rate change captured for the selected timeframe.
Effective Federal Funds Rate
Policy rate benchmark
- Pathway Bank
Christmas Club Savings
1.15% APY+0.15 percentage points
Highest Club Savings Account Rates Right Now
Ordered by highest APY. The top 50 of 352 products tracked.
Independence State Bank leads at 5.30% APY on its Christmas Club. The tenth-ranked club savings rate is 3.00%, so the top ten span 2.30 points. The leader is 14.3 times the FDIC national average of 0.37%.
Independence State Bank
Christmas Club
SSB Bank
Christmas Club
Diamond Bank
Christmas Club
up to $3,000 only
| Institution | Product / Term | APY | Sponsored link |
|---|---|---|---|
| Independence State Bank | Christmas Club | 5.30% | |
| SSB Bank | Christmas Club | 4.32% | |
| Diamond Bank | Christmas Clubup to $3,000 only | Up to4.06% | |
| Crossroads Bank | Super Christmas Clubup to $2,000 only | Up to4.00% | |
| Crossroads Bank | Vacation Clubup to $1,999.99 only | Up to4.00% | |
| New Millennium Bank | Millennium Club Account 1 Year Termchecking account required | 4.00% | |
| The Community State Bank | Christmas Club | 3.50% | |
| First National Bank Of Commerce | Christmas Club | 3.00% | |
| Green Belt Bank & Trust | Christmas Club Savingsup to $10,000 only | 3.00% | |
| HomePride Bank | Christmas Club Account | 3.00% | |
| Reading Co-operative Bank | Online Christmas Savings | 3.00% | |
| Scott State Bank | Christmas Club | 3.00% | |
| Chelsea Savings Bank | Silver & Gold Christmas Club | 2.52% | |
| Fidelity Bank & Trust | Christmas Clubup to $15,000 only | 2.50% | |
| Security State Bank | Christmas Savings | 2.50% | |
| UNICO Bank | Christmas Club Savings | 2.50% | |
| Washington Savings Bank | Christmas Club | 2.50% | |
| Ladysmith Federal Savings and Loan Association | Christmas Club Savings | 2.32% | |
| Centennial Bank | Christmas Clubup to $5,000 only | Up to2.26% | |
| Centennial Bank | Vacation Clubup to $5,000 only | Up to2.26% | |
| Big Horn Federal Savings Bank | Christmas Club RAMSave | 2.25% | |
| LNB Community Bank | Christmas Clubchecking account required | 2.02% | |
| LNB Community Bank | Vacation Clubchecking account required | 2.02% | |
| Morgantown Bank & Trust Company, Incorporated | Club Savingschecking account required | 2.02% | |
| The Citizens State Bank | Christmas Club | 2.02% | |
| Bank of Utica | Christmas Club | 2.00% | |
| Headwaters State Bank | Christmas Club Savings | 2.00% | |
| Iowa State Bank and Trust Company of Fairfield, Iowa | Christmas Clubup to $25,000 only | 2.00% | |
| New Millennium Bank | Millennium Club Account 2 Years Termchecking account required | 2.00% | |
| New Millennium Bank | Millennium Club Account 3 Years Termchecking account required | 2.00% | |
| The Delaware National Bank of Delhi | Christmas Club | 2.00% | |
| Auburn Savings Bank, FSB | Christmas Club | 1.50% | |
| The First Bank of Greenwich | Holiday Clubup to $1,000 only | Up to1.50% | |
| Bank of the Flint Hills | Holiday/Vacation Account | 1.26% | |
| Farmers & Merchants State Bank | Holiday Savings | 1.25% | |
| One Community Bank | Property Tax Club Savings | 1.25% | |
| Pathway Bank | Christmas Club Savings | 1.15% | |
| Bridge Community Bank | Christmas Club | 1.11% | |
| Peoples Savings Bank | Christmas Club Savings | 1.11% | |
| The FNB Community Bank | Christmas Savings Club | 1.01% | |
| The FNB Community Bank | Vacation Savings Club | 1.01% | |
| Bank 21 | Christmas Club | 1.00% | |
| Cornerstone State Bank | CornerStone Christmas Club Savings | 1.00% | |
| Elderton State Bank | Christmas Club | 1.00% | |
| Elderton State Bank | Property Tax Club | 1.00% | |
| Elderton State Bank | Vacation Club | 1.00% | |
| First Bank | Holiday Savings | 1.00% | |
| First Community Bank of Hillsboro | Christmas Club Account | 1.00% | |
| First Community Bank of Hillsboro | Summer Savings Club | 1.00% | |
| Nebraska State Bank and Trust Company | Christmas Club | 1.00% |
Club Savings Account rate questions
What is the highest club savings rate right now?
Independence State Bank advertises 5.30% APY on its Christmas Club, the highest of 352 active club savings accounts tracked on Banksparency.
What is the average club savings rate?
The mean of all 352 tracked club savings account APYs is 0.50%. 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 3.00% to 5.30% APY, against an FDIC national average of 0.37%. 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, October 5, 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.