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Highest Savings Rates in Arkansas
26 Arkansas-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Arkansas Rate:4.15%

The Arkansas market

Arkansas accounts

26

Institutions

17

Top Arkansas APY

4.15% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

26 savings accounts are open only to Arkansas residents, from 17 institutions. The highest advertised APY among them is 4.15%.

The highest nationally available rate is 5.00% APY, 85 basis points above the Arkansas leader.

11 of the 26 Arkansas savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Arkansas-Specific Savings Accounts

These savings accounts are specifically available to Arkansas residents.

#1

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
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19600)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteAcademy Bank, National Association

Direct Link to Product Page (Not Sponsored)

#2

PNC

PNC High Yield Savings

+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple 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 InsuranceFDIC Insured(Cert: 6384)
EligibilityAK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
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
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#3

Southern Bank

Platinum Savings

+$306
per year
3.06% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The rate is the 3-month Treasury bill rate (secondary market) minus 1%, and the rate and APY change monthly on the first business day. The $10 monthly service fee is waived with an average daily balance of $10,000 or with enrollment in online statements. Each withdrawal or transfer after 6 per month costs $1.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28332)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.25%
Since 7 days ago
Official SiteSouthern Bank

Direct Link to Product Page (Not Sponsored)

#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
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, 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
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#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
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#6

Fm Bank And Trust

Reward Saver

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Rate applies when the monthly qualifications of the linked Reward Checking account are met. Otherwise the account pays a lower base rate. The account must be linked to a Reward Checking account.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1027)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFm Bank And Trust

Direct Link to Product Page (Not Sponsored)

#7

First National Bank Of Commerce

High-Yield Savings

+$151
per year
1.51% APY
Oct 3, 2026
FDIC InsuredMod. MinimumIn-Person Access

What to Watch

Withdrawals and transfers beyond six each month cost $2 each.

Show Fine Print & Trends
Min. Deposit$3,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3896)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst National Bank Of Commerce

Direct Link to Product Page (Not Sponsored)

#8

United Bank

Kasasa Saver

+$150
per year
1.50% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32025)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteUnited Bank

Direct Link to Product Page (Not Sponsored)

#9

Priority Bank

Kasasa Saver

+$100
per year
1.00% APY
Oct 13, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Requires Kasasa Cash or Cash Back with, each month, 25 debit card buys over $4.99, a direct deposit or ACH payment, eStatements and online banking. Else the base rate applies. Lower rate over $50,000.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33818)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePriority Bank

Direct Link to Product Page (Not Sponsored)

#10

First Service Bank

Saver Account

+$85
per year
0.85% APY
Oct 13, 2026

On balances up to $20,000 · 0.65% above

APY Range: 0.65% – 0.85%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The stated APY applies to balances up to $20,000. Balances above $20,000 earn a lower rate. A $6 service charge applies in any cycle in which the balance falls below $100. The $5 monthly service charge is waived when the primary owner enrolls in eStatements.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$5 service charge per month
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18519)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Service Bank

Direct Link to Product Page (Not Sponsored)

#11

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#12

Diamond Bank

Diamond Super Savings

+$25
per year
0.25% APY
Oct 13, 2026

On balances up to $100,000 · 0.15% above

APY Range: 0.15% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The stated rate applies only to the first $100,000 of the balance. The portion above that earns a lower rate. The stated rate also requires enrolling in and receiving eStatements; without that the whole balance earns a lower rate.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1527)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteDiamond Bank

Direct Link to Product Page (Not Sponsored)

#13

First Horizon Bank

Traditional Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account.
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4977)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Horizon Bank

Direct Link to Product Page (Not Sponsored)

#14

First National Bank Of Commerce

Savings

+$25
per year
0.25% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Nine withdrawals each quarter are free. Each additional withdrawal costs $2.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3896)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst National Bank Of Commerce

Direct Link to Product Page (Not Sponsored)

#15

First National Bank

Regular Savings Account

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 maintenance fee is charged each quarter if the balance falls below $10.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$3 quarterly maintenance fee if balance falls below $10
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3887)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank

Direct Link to Product Page (Not Sponsored)

#16

Fidelity Bank

All in One Super Account

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$2,500
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19644)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFidelity Bank

Direct Link to Product Page (Not Sponsored)

#17

Fidelity Bank

Regular Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Only 3 withdrawals per quarter are free. Each additional withdrawal costs $2. The service charge for falling below the minimum daily balance is charged per statement cycle, not per month.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$10 fee per statement cycle if the daily balance falls below $100.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19644)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFidelity Bank

Direct Link to Product Page (Not Sponsored)

#18

Diamond Bank

Diamond Savings

+$15
per year
0.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1527)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteDiamond Bank

Direct Link to Product Page (Not Sponsored)

#19

Fidelity Bank

All In One Account & Good Life Club Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19644)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFidelity Bank

Direct Link to Product Page (Not Sponsored)

#20

Priority Bank

Savings Account

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33818)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SitePriority Bank

Direct Link to Product Page (Not Sponsored)

#21

The First National Bank of Izard County

Statement Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11252)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe First National Bank of Izard County

Direct Link to Product Page (Not Sponsored)

#22

United Bank

UB Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$2 monthly service fee waived on daily balances of $100 or more
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32025)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteUnited Bank

Direct Link to Product Page (Not Sponsored)

#23

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
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited 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
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#24

Great Southern Bank

Everyday Savings

+$4
per year
0.04% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly minimum-balance fee is waived entirely for account holders aged 17 and under and for those over 60, whatever the balance. Withdrawals are unlimited.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29546)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGreat Southern Bank

Direct Link to Product Page (Not Sponsored)

#25

Academy Bank, National Association

Savings Account

+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19600)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAcademy Bank, National Association

Direct Link to Product Page (Not Sponsored)

#26

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
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited 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.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Arkansas.

InstitutionProduct / Term
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%

See the full national list