Highest Savings Rates in Arkansas
26 Arkansas-specific accounts
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.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | 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 | |
| #2 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$306per year | 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 | +$200per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | N/A | |
| #7 | Show Details | +$151per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features In-Person Access | $3,000 | |
| #8 | Show Details | +$150per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$100per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $50 | |
| #10 | First Service Bank Saver Account Up to0.85%APY On balances up to $20,000 · 0.65% above Observed: Oct 13, 2026 Show Details | +$85per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #11 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #12 | Diamond Bank Diamond Super Savings Up to0.25%APY On balances up to $100,000 · 0.15% above Observed: Oct 13, 2026 Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #13 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #14 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #15 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #16 | Show Details | +$20per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features In-Person Access | $2,500 | |
| #17 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #18 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #19 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #20 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #21 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #22 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #23 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #24 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #25 | 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 | |
| #26 | 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 |
Academy Bank, National Association
Oloy High-Yield Savings Account
On balances of $25,000 to $2,999,999.99 · 3.85% below
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.
PNC
PNC High Yield Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| 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 | AK, 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
Southern Bank
Platinum Savings
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.
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| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28332) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
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| 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
Gateway First Bank
Gateway High Yield Savings
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| 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
Fm Bank And Trust
Reward Saver
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 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: 1027) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank Of Commerce
High-Yield Savings
What to Watch
Withdrawals and transfers beyond six each month cost $2 each.
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| Min. Deposit | $3,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3896) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank
Kasasa Saver
What to Watch
Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate.
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| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32025) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Priority Bank
Kasasa Saver
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 Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33818) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Service Bank
Saver Account
On balances up to $20,000 · 0.65% above
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.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $5 service charge per month |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18519) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Gateway First Bank
Personal Savings
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
Diamond Bank
Diamond Super Savings
On balances up to $100,000 · 0.15% above
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 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: 1527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First Horizon Bank
Traditional Savings
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.
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| Min. Deposit | $50 |
| Min. Balance | N/A |
| Maintenance Fee | $5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account. |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4977) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank Of Commerce
Savings
What to Watch
Nine withdrawals each quarter are free. Each additional withdrawal costs $2.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3896) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank
Regular Savings Account
What to Watch
A $3 maintenance fee is charged each quarter if the balance falls below $10.
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $3 quarterly maintenance fee if balance falls below $10 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3887) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fidelity Bank
All in One Super Account
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| Min. Deposit | $2,500 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19644) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fidelity Bank
Regular Savings
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.
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| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $10 fee per statement cycle if the daily balance falls below $100. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19644) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Diamond Bank
Diamond Savings
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: 1527) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Fidelity Bank
All In One Account & Good Life Club Savings
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| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 19644) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Priority Bank
Savings Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33818) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of Izard County
Statement Savings
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: 11252) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank
UB Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $2 monthly service fee waived on daily balances of $100 or more |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32025) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Advantage Savings
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.
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| 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
Great Southern Bank
Everyday Savings
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 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: 29546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Academy Bank, National Association
Savings Account
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
Bank of America
Advantage Relationship Banking
Needs at least $50,000
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.
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Arkansas.
| 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% |