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Compare Savings Rates in Arizona – March 2026

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Current Arizona Savings Rates and MMA Rates

Pima Federal Credit Union is offering a Money Market Account in Arizona with an APY of 4.15%. Goldwater Bank is offering a HIGH YIELD SAVINGS BUSINESS* in Arizona with an APY of 4.00%. Goldwater Bank has a HIGH YIELD SAVINGS PERSONAL* available at 4.00% APY (min deposit $0). For those in Arizona, Pima Federal Credit Union lists a Money Market Savings Account at 4.00%.

Find the best savings and money market rates in Arizona today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in AZ, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Arizona depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 5, 2026

Savings Rates in Arizona and Area

  • Money Market Account:
    4.15%
  • HIGH YIELD SAVINGS BUSINESS*:
    4.00%
  • HIGH YIELD SAVINGS PERSONAL*:
    4.00%
  • Money Market Savings Account:
    4.00%
  • Propel Savings:
    4.00%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 5, 2026

Best Arizona and Area Savings Rates & Money Market Rates

Bank / Credit Union
Product
APY
Min Deposit
Pima Federal Credit Union Yuma, AZ
Money Market Account
4.15%
$500,000
Rate 4.15%
Min Deposit $500,000
Last Updated 03/05/2026
Details

Goldwater Bank Phoenix, AZ
HIGH YIELD SAVINGS BUSINESS*
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Goldwater Bank Phoenix, AZ
HIGH YIELD SAVINGS PERSONAL*
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Pima Federal Credit Union Yuma, AZ
Money Market Savings Account
4.00%
$500,000
Rate 4.00%
Min Deposit $500,000
Last Updated 03/05/2026
Details

1st Bank Yuma Yuma, AZ
Propel Savings
4.00%
$100
Rate 4.00%
Min Deposit $100
Last Updated 03/05/2026
Details High-yield tiers for bigger savings; No monthly fees with eStatements; $100 minimum to open

America First Federal Credit Union Tempe, AZ
Money Market
3.90%
$0
Rate 3.90%
Min Deposit $0
Last Updated 03/05/2026
Details $1,000,000.00+

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 12 Month
3.79%
$0
Rate 3.79%
Min Deposit $0
Last Updated 03/05/2026
Details

Corporate America Family Credit Union Peoria, AZ
Business Prosperity Savings
3.75%
$1,000
Rate 3.75%
Min Deposit $1,000
Last Updated 03/05/2026
Details intro rate subject to change; Promotional offer starts on 9/15/25 and is valid for a limited time only. Promotional rate of 3.75% APY applies to new Business Prosperity accounts opened with a minimum balance of at least $1,000.00; if balance falls below $1,000, the account will be closed and the remaining funds will be transferred to your Regular Share Account. Existing CAFCU savings accounts are excluded from this offer. To qualify for this offer, funds must be moved from another financial institution. This means qualifying funds must not currently be on deposit at CAFCU. Rates subject to change at any time and without notice. To qualify for the promotional rate, your accounts must be in good standing, and you must open a new Business Prosperity account. At the end of the promotional term, the standard savings rates will apply. Dividends are calculated daily and paid monthly. Your savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government. Contact CAFCU for complete details.

NexTier Bank Phoenix, AZ
Welcome Money Market Promo
3.75%
$100,000
Rate 3.75%
Min Deposit $100,000
Last Updated 03/05/2026
Details Rochester and Williamsville, New York locations; when you deposit $100,000+ in new money with our Account Bundle.

First Internet Bank of Indiana Tempe, AZ
Money Market Savings
3.64%
$100
Rate 3.64%
Min Deposit $100
Last Updated 03/05/2026
Details with a daily balance above $1,000,000

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 48 Month
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/05/2026
Details

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 60 Month
3.60%
$0
Rate 3.60%
Min Deposit $0
Last Updated 03/05/2026
Details

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 24 Month
3.59%
$0
Rate 3.59%
Min Deposit $0
Last Updated 03/05/2026
Details

Bell Bank Phoenix, AZ
IRA Variable Rate Savings
3.56%
$0
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 36 Month
3.55%
$0
Rate 3.55%
Min Deposit $0
Last Updated 03/05/2026
Details

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier II - 24,999.99
3.51%
$10,000
Rate 3.51%
Min Deposit $10,000
Last Updated 03/05/2026
Details $10,000

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier III - 49,999.99
3.51%
$25,000
Rate 3.51%
Min Deposit $25,000
Last Updated 03/05/2026
Details $25,000

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier IV - 74,999.99
3.51%
$50,000
Rate 3.51%
Min Deposit $50,000
Last Updated 03/05/2026
Details $50,000

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier V - 99,999.99
3.51%
$75,000
Rate 3.51%
Min Deposit $75,000
Last Updated 03/05/2026
Details $75,000

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier VI - 999,999.99
3.51%
$100,000
Rate 3.51%
Min Deposit $100,000
Last Updated 03/05/2026
Details $100,000

UMB Bank Wickenburg, AZ
UMB Retail Money Market Tier VII & over
3.51%
$1,000,000
Rate 3.51%
Min Deposit $1,000,000
Last Updated 03/05/2026
Details $1,000,000

Banner Federal Credit Union Phoenix, AZ
IRA Savings
3.50%
$0
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details $10,000+

1st Bank Yuma Yuma, AZ
YourSavings Account
3.50%
$5
Rate 3.50%
Min Deposit $5
Last Updated 03/05/2026
Details Earn 3.50% APY on your first $1,000; Low $5.00 minimum to open an account; No monthly fee with eStatements

Banner Federal Credit Union Phoenix, AZ
IRA Savings
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/05/2026
Details $0 - $10,000

America First Federal Credit Union Tempe, AZ
Money Market
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000.00-$999,999.99

Sunflower Bank Scottsdale, AZ
Thrive Money Market & Above
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/05/2026
Details $24,999.01

Sierra Pacific Federal Credit Union Phoenix, AZ
Money Market
3.40%
$0
Rate 3.40%
Min Deposit $0
Last Updated 03/05/2026
Details Rates increase as balance increases

Mayo Employees Federal Credit Union Phoenix, AZ
Premium Money Market Savings
3.40%
$0
Rate 3.40%
Min Deposit $0
Last Updated 03/05/2026
Details Rate may change after account is opened.

FirstBank (Colorado) Sun City, AZ
Bloom Savings Account
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/05/2026
Details Daily Balance $1,000,000.00 and above

Northrop Grumman Federal Credit Union Chandler, AZ
IRA Savings 84 Month
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/05/2026
Details

Gainey Business Bank Scottsdale, AZ
Money Market Savings
3.31%
$0
Rate 3.31%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 3.31% APY on balances >$1,000,000

PNC Bank Youngtown, AZ
PNC High Yield Savings®
3.30%
$1
Rate 3.30%
Min Deposit $1
Last Updated 03/05/2026
Details

Vantage West Credit Union Tucson, AZ
High Yield Money Markets
3.26%
$10,000
Rate 3.26%
Min Deposit $10,000
Last Updated 03/05/2026
Details Up to 3.26% APY ($125,000.00 and up)

Vantage West Credit Union Tucson, AZ
Business Savings: High Yield Money Market
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Tucson Old Pueblo Credit Union Tucson, AZ
High-Yield Online Savings
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Idaho Central Credit Union Tucson, AZ
High-Yield Online Savings Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Sharefax Credit Union Phoenix, AZ
Money Market
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

UNIFY Financial Federal Credit Union Tempe, AZ
Money Market Plus Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details as high as

First Internet Bank of Indiana Tempe, AZ
Money Market Savings
3.09%
$100
Rate 3.09%
Min Deposit $100
Last Updated 03/05/2026
Details with a daily balance of $1,000,000 or less

Armed Forces Bank Glendale, AZ
Premier Money Market
3.05%
$0
Rate 3.05%
Min Deposit $0
Last Updated 03/05/2026
Details APY for 6 months

Mayo Employees Federal Credit Union Phoenix, AZ
Premium Money Market Savings
3.05%
$0
Rate 3.05%
Min Deposit $0
Last Updated 03/05/2026
Details Rate may change after account is opened.

Sunflower Bank Scottsdale, AZ
Thrive Money Market & Below
3.05%
$0
Rate 3.05%
Min Deposit $0
Last Updated 03/05/2026
Details $24,999.00

KS StateBank Phoenix, AZ
Advantage Money Market
3.04%
$2,500
Rate 3.04%
Min Deposit $2,500
Last Updated 03/05/2026
Details

KS StateBank Phoenix, AZ
Business Money Market
3.04%
$100
Rate 3.04%
Min Deposit $100
Last Updated 03/05/2026
Details This is a business account. It cannot be opened online.

Pyramid Federal Credit Union Tucson, AZ
Round Up High-Yield Savings Account
3.04%
$0
Rate 3.04%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 3.04% APY on balances $0.01-$1,000

Bell Bank Phoenix, AZ
Elite Money Market Savings
3.01%
$0
Rate 3.01%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 3.01% APY on balances $25,000.00 to $99,999.99

Vantage West Credit Union Tucson, AZ
High Yield Money Markets
3.01%
$10,000
Rate 3.01%
Min Deposit $10,000
Last Updated 03/05/2026
Details Up to 3.01% APY ($100,000 - $124,999.99)

Vantage West Credit Union Tucson, AZ
Business Savings: High Yield Money Market
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Goldwater Bank Phoenix, AZ
GB BIZ MONEY MARKET BUSINESS*
3.00%
$1,000
Rate 3.00%
Min Deposit $1,000
Last Updated 03/05/2026
Details

Goldwater Bank Phoenix, AZ
GB MONEY MARKET PERSONAL*
3.00%
$1,000
Rate 3.00%
Min Deposit $1,000
Last Updated 03/05/2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Arizona directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Arizona. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in AZ.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Arizona. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 5, 2026

How to Find the Best Savings Account in Arizona

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Arizona

What are the current savings rates in Arizona and the surrounding area
Below is a list of current savings and money market rates available for Arizona. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
Pima Federal Credit Union
Money Market Account
4.15%
$500,000
Goldwater Bank
HIGH YIELD SAVINGS BUSINESS*
4.00%
$0
Goldwater Bank
HIGH YIELD SAVINGS PERSONAL*
4.00%
$0
Pima Federal Credit Union
Money Market Savings Account
4.00%
$500,000
1st Bank Yuma
Propel Savings
4.00%
$100
Lender / Product
APY
Min Dep
America First Federal Credit Union
Money Market
3.90%
$0
Northrop Grumman Federal Credit Union
IRA Savings 12 Month
3.79%
$0
Corporate America Family Credit Union
Business Prosperity Savings
3.75%
$1,000
NexTier Bank
Welcome Money Market Promo
3.75%
$100,000
First Internet Bank of Indiana
Money Market Savings
3.64%
$100
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe?
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime?
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change?
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.

Cities in Arizona