Highest Savings Rates in Arizona
24 Arizona-specific accounts
Top Arizona Rate:5.00% APYFDIC or NCUA Insured
The Arizona market
Arizona accounts
24
Institutions
18
Top Arizona APY
5.00% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
24 savings accounts are open only to Arizona residents, from 18 institutions. The highest advertised APY among them is 5.00%.
The highest nationally available rate is 5.00% APY, the same as the Arizona leader.
15 of the 24 Arizona savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Arizona-Specific Savings Accounts
These savings accounts are specifically available to Arizona residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$413per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #2 | Goldwater Bank, N.A. High Yield Savings Personal 4.00%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #3 | Academy Bank, National Association Oloy High-Yield Savings Account Up to4.15%APY On balances of $25,000 to $2,999,999.99 · 3.85% below No min. balance for APY Observed: Oct 13, 2026 Show Details | +$385per yearEffective: 3.85% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #5 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #6 | Show Details | +$100per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #8 | Stearns Bank National Association Above the Norm Personal Market Savings Up to2.99%APY Needs at least $500,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$85per yearEffective: 0.85% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #9 | Show Details | +$80per year | Deposit Insurance FDIC InsuredFeatures Low Minimums | $25 | |
| #10 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | N/A | |
| #13 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #15 | WaFd Bank Start Savings Up to5.00%APY On balances up to $500 · 2.50% above No min. balance for APY Observed: Oct 12, 2026 Show Details | +$10per yearEffective: 0.10% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #16 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #17 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #18 | Academy Bank, National Association Savings Account 0.03%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #19 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #20 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #21 | Show Details | +$2per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #22 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #23 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 |
#1
Austin Capital Bank SSB
Fort Knox Savings
+$413
per year
4.13% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58082) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#2
Goldwater Bank, N.A.
High Yield Savings Personal
+$400
per year
4.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58405) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#3
Academy Bank, National Association
Oloy High-Yield Savings Account
+$385
per year
4.15% APY
Oct 13, 2026
On balances of $25,000 to $2,999,999.99 · 3.85% below
APY Range: 0.25% – 4.15%
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The stated APY applies to balances up to $3,000,000. Balances above that cap earn a much lower rate. eStatements are required on this account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19600) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#4
Citibank
Citi Accelerate Savings
+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#5
Gateway First Bank
Gateway High Yield Savings
+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#6
Gainey Business Bank
Personal Savings
+$100
per year
1.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0. The rate schedule Fee column reads "$0" and the personal accounts page lists "No Monthly Fee". |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 59273) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
Goldwater Bank, N.A.
Goldwater Savings
+$100
per year
1.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
Two withdrawals each month are free.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58405) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#8
Stearns Bank National Association
Above the Norm Personal Market Savings
+$85
per year
2.99% APY
Oct 7, 2026
Needs at least $500,000
APY Range: 0.85% – 2.99%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10988) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#9
First Internet Bank of Indiana
Free Savings
+$80
per year
0.80% APY
Oct 13, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34607) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#10
Bank of Colorado
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The published rate applies to an account opened online. The rate for an account opened at a branch can differ. A service charge applies when the balance falls below $200. Up to nine withdrawals per quarter are free.
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | N/A |
| Maintenance Fee | As long as you maintain a balance of $200 or more, there is no service charge. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16980) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#11
Gateway First Bank
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#12
NEXTIER BANK, NATIONAL ASSOCIATION
NexTier Saver Account
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLinked AccountNo MinimumsIn-Person Access
What to Watch
The rate depends on a linked NexTier Interest Plus rewards checking account. In a month when that checking account meets its qualifications (12 debit card purchases, eStatements, and one ACH automatic payment or direct deposit), the published rate applies. Otherwise the account pays a lower base rate. The published rate applies to balances up to and including $75,000; a balance above that earns a rate within a published range.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 7900) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#13
Southwest Heritage Bank
Kasasa Saver
+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
What to Watch
Rate applies when the account's monthly qualifications are met. Balances above $50,000 earn a blended rate.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29087) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#14
Bell Bank
Regular Savings
+$20
per year
0.20% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19581) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#15
WaFd Bank
Start Savings
+$10
per year
5.00% APY
Oct 12, 2026
On balances up to $500 · 2.50% above
APY Range: 0.10% – 5.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access
What to Watch
Needs a WaFd checking account to open. Interest is blended: the highest rate applies only to the first $500, and the portion above $1,000 earns the lowest rate.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28088) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#16
WaFd Bank
Savings
+$10
per year
0.10% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $100 |
| Maintenance Fee | $100 minimum balance to waive $10 monthly service charge |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28088) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#17
Bank of America
Advantage Savings
+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#18
Academy Bank, National Association
Savings Account
+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19600) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#19
Armed Forces Bank, National Association
Savings Account
+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4666) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#20
PNC
Standard Savings
+$3
per year
0.03% APY
Oct 12, 2026
Needs at least $2,500
APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#21
UMB Bank, National Association
UMB Savings
+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The listed rate is for accounts opened online and may vary by region.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8273) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#22
Bank of America
Advantage Relationship Banking
+$1
per year
0.02% APY
Oct 13, 2026
Needs at least $50,000
APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
#23
BMO Bank
Savings Builder
+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16571) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Arizona.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |