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Highest Savings Rates in Indiana
46 Indiana-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Indiana Rate:3.25%

The Indiana market

Indiana accounts

46

Institutions

32

Top Indiana APY

3.25% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

46 savings accounts are open only to Indiana residents, from 32 institutions. The highest advertised APY among them is 3.25%.

The highest nationally available rate is 5.00% APY, 175 basis points above the Indiana leader.

16 of the 46 Indiana savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Indiana-Specific Savings Accounts

These savings accounts are specifically available to Indiana residents.

#1

The Bippus State Bank

Elevated Savings

+$325
per year
3.25% APY
Oct 7, 2026
FDIC InsuredHigh MinimumIn-Person Access

What to Watch

Balances below $10,000 earn no interest.

Show Fine Print & Trends
Min. Deposit$10,000
Min. Balance$10,000
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1847)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteThe Bippus State Bank

Direct Link to Product Page (Not Sponsored)

#2

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)

#3

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)

#4

The Farmers & Merchants State Bank

Loyalty Rewards Savings

+$148
per year
1.48% APY
Oct 7, 2026

On balances up to $100,000 · 0.07% above

APY Range: 0.07% – 1.48%
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

A Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account is required to open this account and must stay open for as long as it is held. The stated APY applies to balances up to $100,000, and the portion of the balance above $100,000 earns a much lower rate. The stated APY is also paid only in a monthly statement cycle in which the account is enrolled in eStatements and all three checking qualifiers are met; in any cycle they are not met, the entire balance earns the lower rate.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5969)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Farmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

#5

The Farmers & Merchants State Bank

Direct Savings

+$92
per year
1.36% APY
Oct 7, 2026

Needs at least $500,000

APY Range: 0.92% – 1.36%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account is open only to new customers, or to deposits of funds not already held at the bank.

Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5969)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteThe Farmers & Merchants State Bank

Direct Link to Product Page (Not Sponsored)

#6

First Internet Bank of Indiana

Free Savings

+$80
per year
0.80% APY
Oct 13, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34607)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Internet Bank of Indiana

Direct Link to Product Page (Not Sponsored)

#7

First Robinson Savings Bank, National Association

Kasasa Saver

+$50
per year
0.50% APY
Oct 7, 2026

On balances up to $15,000 · no rate stated above

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A linked Kasasa Cash checking account is required. The stated APY applies to daily balances up to $15,000, and the part of the balance above $15,000 earns a lower rate. The stated rate is earned in a monthly qualification cycle in which the linked Kasasa Cash account posts at least 10 debit card purchases and 1 direct deposit, ACH payment or bill pay transaction, with enrollment in eStatements. A cycle that misses the qualifications earns a lower base rate.

Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28105)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Robinson Savings Bank, National Association

Direct Link to Product Page (Not Sponsored)

#8

Fowler State Bank

Statement Savings

+$50
per year
1.00% APY
Oct 7, 2026

Needs at least $1,000,000

APY Range: 0.50% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A fee of $1.00 is charged for each withdrawal above six in a calendar month.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$2.00 service charge if the average monthly balance falls below $100.00
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1821)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFowler State Bank

Direct Link to Product Page (Not Sponsored)

#9

Freedom Bank

Savings

+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Six in-person withdrawals each quarter avoid a service charge. ATM and electronic transfers are unlimited.

Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance FeeNo monthly fees. The savings comparison table answers "No Monthly Fees" with "Yes" for this account.
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35221)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFreedom Bank

Direct Link to Product Page (Not Sponsored)

#10

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)

#11

LNB Community Bank

ESavings

+$50
per year
0.50% APY
Oct 3, 2026

On balances up to $15,000 · 0.40% above

APY Range: 0.40% – 0.50%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The published rate applies to balances up to $15,000. Balances above that earn a lower rate. A $3.95 statement service charge applies if the statement verification process is not completed in online or mobile banking within 30 days of opening.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance FeeIf balance falls below $100 during the statement cycle a $1 service fee will be assessed.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4398)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.40%
Since 30 days ago
Official SiteLNB Community Bank

Direct Link to Product Page (Not Sponsored)

#12

Bank of Wolcott

HiFi Plus Savings

+$40
per year
0.95% APY
Oct 7, 2026

Needs at least $50,000

APY Range: 0.25% – 0.95%
FDIC InsuredHigh MinimumIn-Person Access

What to Watch

$10,000 is required to open the account. The lowest rate tier applies to balances under $10,000.

Show Fine Print & Trends
Min. Deposit$10,000
Min. Balance$1
Maintenance FeeA monthly maintenance fee of $5.00 will be imposed if the account falls below a daily balance of $10,000.00
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16201)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteBank of Wolcott

Direct Link to Product Page (Not Sponsored)

#13

First Federal Savings Bank

Next Generation Savings

+$30
per year
0.50% APY
Oct 3, 2026

Needs at least $250,000

APY Range: 0.00% – 0.50%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance FeeA $5 monthly fee applies if the daily balance falls below $100.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29056)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteFirst Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#14

Community State Bank

Passbook Savings

+$25
per year
0.25% 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: 8067)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCommunity State Bank

Direct Link to Product Page (Not Sponsored)

#15

Grant County State Bank

Golden Savings Account

+$25
per year
0.25% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $0.25 fee applies to each debit above fifteen in a month.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15687)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGrant County State Bank

Direct Link to Product Page (Not Sponsored)

#16

Hendricks County Bank and Trust Company

Savings

+$25
per year
1.00% APY
Oct 7, 2026

Needs at least $100,000

APY Range: 0.25% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A service charge applies unless the balance stays at or above $50 and there are 6 or fewer transactions per statement cycle.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13111)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteHendricks County Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#17

Hendricks County Bank and Trust Company

Minor Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13111)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteHendricks County Bank and Trust Company

Direct Link to Product Page (Not Sponsored)

#18

LNB Community Bank

Savings

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

What to Watch

The service fee for falling below the minimum balance is charged per quarter, not per month. If the balance falls below $500 at any time during a quarter, each withdrawal above three in that quarter is charged $0.50.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance FeeIf the balance falls below $200 any time during the quarter a $3 service fee will be assessed.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4398)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteLNB Community Bank

Direct Link to Product Page (Not Sponsored)

#19

The Garrett State Bank

Passbook Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8074)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Garrett State Bank

Direct Link to Product Page (Not Sponsored)

#20

GreenWay Bank

Savings

+$20
per year
1.30% APY
Oct 13, 2026

Needs at least $75,000

APY Range: 0.05% – 1.30%
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: 29495)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteGreenWay Bank

Direct Link to Product Page (Not Sponsored)

#21

Wayne Bank and Trust Co.

Regular and Youth Savings

+$15
per year
0.25% APY
Oct 7, 2026

Needs at least $50,000

APY Range: 0.07% – 0.25%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1849)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SiteWayne Bank and Trust Co.

Direct Link to Product Page (Not Sponsored)

#22

Alliance Bank

Traditional Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$300
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 197)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAlliance Bank

Direct Link to Product Page (Not Sponsored)

#23

Bank of Wolcott

Regular 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 FeeA monthly maintenance fee of $2.00 will be imposed if the account falls below a daily balance of $100.00
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16201)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBank of Wolcott

Direct Link to Product Page (Not Sponsored)

#24

First Robinson Savings Bank, National Association

Statement Savings

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

What to Watch

A $3 service charge applies each quarter when the balance falls below $100. Full-time students pay no service charge after they notify the bank of that status.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$3 quarterly service charge; avoid by maintaining a $100 minimum balance
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28105)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Robinson Savings Bank, National Association

Direct Link to Product Page (Not Sponsored)

#25

Republic Bank & Trust Company

Advantage Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23627)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 30 days
Official SiteRepublic Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#26

Union Savings and Loan Association

Savings Account

+$10
per year
0.10% APY
Oct 7, 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: 29933)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnion Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#27

Security Federal Savings Bank

Personal Savings

+$6
per year
0.06% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28894)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteSecurity Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#28

First Federal Savings Bank of Angola

Passbook Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28769)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings Bank of Angola

Direct Link to Product Page (Not Sponsored)

#29

First Federal Savings Bank of Angola

Statement Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly service fee is waived in a month with at least five posted debit transactions, or one ACH direct deposit, or one automatic transfer to a loan or to another deposit account, or a daily balance of $1,000.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$250
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28769)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings Bank of Angola

Direct Link to Product Page (Not Sponsored)

#30

First State Bank of Porter

Everyday Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12836)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank of Porter

Direct Link to Product Page (Not Sponsored)

#31

First State Bank of Porter

EZ Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 12836)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst State Bank of Porter

Direct Link to Product Page (Not Sponsored)

#32

GreenWay Bank

Classic Savings

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29495)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGreenWay Bank

Direct Link to Product Page (Not Sponsored)

#33

Peoples Trust and Savings Bank

Basic Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $50 fee applies if the account is closed within 90 days of opening.

Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$1 monthly service charge if daily balance falls below $100.
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13113)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SitePeoples Trust and Savings Bank

Direct Link to Product Page (Not Sponsored)

#34

Republic Bank & Trust Company

Easy Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23627)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 30 days
Official SiteRepublic Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#35

The Farmers State Bank

Variable Passbook Savings

+$5
per year
0.05% APY
Oct 7, 2026

Needs at least $25

APY Range: 0.00% – 0.05%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $5 charge applies each quarter the average daily balance falls below $100. Eight withdrawals each quarter are free, and each additional withdrawal costs $5.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$25
Maintenance Fee$5 per quarter charge if the average daily balance falls below $100
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14991)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Farmers State Bank

Direct Link to Product Page (Not Sponsored)

#36

The Friendship State Bank

Passbook Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Nine free debits are allowed per quarter. A $2.00 fee applies to each debit over nine per quarter.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13130)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteThe Friendship State Bank

Direct Link to Product Page (Not Sponsored)

#37

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)

#38

Farmers and Merchants Bank

Simply Savings

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The account must keep a minimum balance of $50 to avoid a maintenance fee.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$50.00 minimum balance to avoid a quarterly maintenance fee of $5.00
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13801)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFarmers and Merchants Bank

Direct Link to Product Page (Not Sponsored)

#39

First Federal Savings Bank

Simply Savings

+$3
per year
0.03% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The monthly maintenance fee is waived by a daily balance of $100. Account holders under 18 and account holders over 50 pay no fee at any balance.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance FeeSimply Savings: waived if you maintain a daily balance of $100.00, are under age 18 or over age 50 -- $3.00 monthly maintenance fee
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31516)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#40

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
Min. Deposit$25
Min. Balance$1
Maintenance Fee$0 / $5 (see bank for details)
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)
EligibilityUnited 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
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#41

First Savings Bank of Hegewisch

Variable Savings

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29809)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Savings Bank of Hegewisch

Direct Link to Product Page (Not Sponsored)

#42

First Savings Bank of Hegewisch

Ultimate Savings

+$2
per year
0.02% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29809)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Savings Bank of Hegewisch

Direct Link to Product Page (Not Sponsored)

#43

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)

#44

BMO Bank

Savings Builder

+$1
per year
0.01% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16571)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

#45

Peoples Trust and Savings Bank

Elite Savings

+$0
per year
3.00% APY
Oct 7, 2026

Needs at least $30,000

APY Range: 0.00% – 3.00%
FDIC InsuredHigh MinimumIn-Person Access

What to Watch

Balances under $30,000 earn no interest. Electronic statements are required to avoid the monthly service charge. A $50 fee applies if the account is closed within 90 days of opening.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$30,000
Maintenance FeeNO monthly service charge if enrolled in e-statements. $3 monthly charge for paper statements
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13113)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

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

Official SitePeoples Trust and Savings Bank

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

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

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