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Alabama Savings Rate Trends

Mobile, Alabama Savings Rates - October 2026

Mobile, Alabama savings account rates range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Mobile, Alabama and the surrounding area include Avadian Credit UnionAvadian Credit Union809 Downtowner Blvd, Mobile, AL 36609A+5.0 ★Texas Ratio: 3.41%Real return: +4.20%APY minus 2.8% CPI (February 2026) Centsible Savings at 7.00% APY, JM Associates Federal Credit UnionJM Associates Federal Credit Union6150 Omni Park Dr, Mobile, AL 36609 5195A+5.0 ★Texas Ratio: 2.91%Real return: +2.32%APY minus 2.8% CPI (February 2026) Reward Savings at 5.12% APY, Community Bank of MississippiCommunity Bank of Mississippi6587 Airport Blvd, Mobile, AL 36608A+5.0 ★Texas Ratio: 3.09%Real return: +2.20%APY minus 2.8% CPI (February 2026) Community Savings at 5.00% APY, All In Credit UnionAll In Credit Union127 Dauphin St, Mobile, AL 36602 3209A5.0 ★Texas Ratio: 11.52%Real return: +1.08%APY minus 2.8% CPI (February 2026) PFA Savings Rate at 3.88% APY, and Keesler Federal Credit UnionKeesler Federal Credit Union2540 Old Shell Rd Ste A, Mobile, AL 36607 3033A+5.0 ★Texas Ratio: 5.02%Real return: +0.45%APY minus 2.8% CPI (February 2026) HIMMA Premier at 3.25% APY.

Mobile has 68 local institutions in our database, with savings rates as high as 7.00% APY from Avadian Credit Union at 809 Downtowner Blvd, Mobile, AL 36609. Use the table below to compare all available offers, including options from institutions serving the broader Alabama area. Rates are continually updated, so we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Mobile, Alabama and the surrounding area. Last Updated and Verified: October 13, 2026

Compare the Best Savings Rates in Mobile, Alabama & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Centsible Savings
7.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01 - $1000.00

Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6150 Omni Park Dr, Mobile, AL 36609 5195
Reward Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Rates effective as of 10/01/2026

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 8 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 14, 2026
Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6587 Airport Blvd, Mobile, AL 36608
Community Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Annual Percentage Yield effective as of 10/17/2024. Rate may change after the account is opened. An interest rate of 0.05% will be paid only for that portion of your daily collected balance that is greater than $3,000.00. Interest will accrue on transferred funds during the cycle and will be credited to the account at the end of the 12-month cycle.

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
PFA Savings Rate
3.88%
$0
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $150,000+; Account eligibility is meeting with an All In Credit Union Preferred Financial Advisor.

Rate History
1 change since Sep 18, 2026 · 3.62% → 3.88% ▲ 0.26 pts · high 3.88% / low 3.62%
3.12%3.75%4.38%Sep 18, 2026: 3.62% APYOct 1, 2026: 3.88% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.88%▲ from 3.62%
  • Sep 18, 20263.62%first recorded
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
High Yield Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01 - $25,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
HIMMA Premier
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Introductory rate for the first 6 months; $0 - New Deposits Only; dividend paid at 3.25% APY or 3.20% interest rate; limit 6 pre-authorized withdrawals per month

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
7690 Airport Blvd, Mobile, AL 36608
Health Savings Account
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: $25.00 or more

Rate History
No change since Sep 18, 2026 · 2.12% APY · checked 4 times
1.62%2.12%2.62%Sep 18, 2026: 2.12% APYSep 18, 2026Oct 14, 2026
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
7690 Airport Blvd, Mobile, AL 36608
IRA Share
2.12%
$25
▼
Rate2.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 2.12% APY
1.62%2.12%2.62%Oct 9, 2026: 2.12% APYOct 9, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
150 Saint Joseph St, Mobile, AL 36602 3915
IRA Share Account
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Dividends computed on average daily balance and compounded quarterly; Rate effective 9/30/26

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6150 Omni Park Dr, Mobile, AL 36609 5195
Super Savings
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000+; Rates effective as of 10/01/2026

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 8 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6150 Omni Park Dr, Mobile, AL 36609 5195
Super Savings
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000 - $99,999; Rates effective as of 10/01/2026

Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 8 times
1.16%1.66%2.16%Sep 14, 2026: 1.66% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6150 Omni Park Dr, Mobile, AL 36609 5195
Super Savings
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500-$24,999; Must maintain a minimum average daily balance of $2,500 to earn dividends; Rates effective as of 10/01/2026

Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 8 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
130 Mobile Infirmary Blvd, Mobile, AL 36607
High Yield Share Draft/Checking
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Requires $500 Average Daily Balance; Any account not meeting the requirements during a statement cycle earns the Share Draft rate

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
IRA Savings and Education (Coverdell) Savings
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $75,000.00 and Above

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Centsible Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $1,000.01 or greater

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
IRA Savings and Education (Coverdell) Savings
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000 - $74,999.99

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
IRA Savings and Education (Coverdell) Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $2,500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
150 Saint Joseph St, Mobile, AL 36602 3915
Share Account
0.75%
$5
▼
Rate0.00%
Min Deposit$5
Min BalanceN/A
UpdatedOct 13, 2026
Details

Dividends computed on average daily balance and compounded quarterly; Rate effective 9/30/26

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Premium Savings Money Market
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000.01 & above

Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 30, 2026: 0.70% APYSep 30, 2026Oct 14, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
IRA Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

IRS early withdrawal penalties apply to IRA withdrawals

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 3 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
PFA Savings Rate
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01-$149,999.99; Account eligibility is meeting with an All In Credit Union Preferred Financial Advisor.

Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 18, 2026: 0.65% APYSep 18, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
127 Dauphin St, Mobile, AL 36602 3209
Share Account
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 14, 2026
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Kids Central Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 5 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
IRA Savings and Education (Coverdell) Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01 - $2,499.99

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Premium Savings Money Market
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,000.01 - $100,000

Rate History
No change since Sep 30, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 30, 2026: 0.60% APYSep 30, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6150 Omni Park Dr, Mobile, AL 36609 5195
Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Must maintain a minimum average daily balance of $100 to earn dividends; Rates effective as of 10/01/2026

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 8 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 14, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2051 S Broad St, Mobile, AL 36615 1286
Kasasa Saver Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: 0 - $25,000

Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Premium Savings Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000.01 - $50,000

Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Premium Savings Money Market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000.01 - $25,000

Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 30, 2026: 0.45% APYSep 30, 2026Oct 14, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
5662 Cottage Hill Rd, MOBILE, AL 36609
IRA Share Accounts
0.42%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.43% APY · checked 6 times
0.00%0.46%0.93%Sep 14, 2026: 0.43% APYSep 14, 2026Oct 14, 2026
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3150 AIRPORT BLVD, MOBILE, AL 36606
IRA Share Accounts
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Minimum Average Daily Balance of $100 required to receive dividends on Savings, Club Accounts and IRA Accounts.

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Christmas Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 30, 2026: 0.40% APYSep 30, 2026Oct 14, 2026
NAVIGATOR
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1950 Government St, Mobile, AL 36606 1634
Premium Savings Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $2,500 - $10,000

Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 30, 2026: 0.40% APYSep 30, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
PERSONAL SAVINGS
0.35%
$25
▼
Rate0.35%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $10,000.00 or more

Rate History
No change since Oct 2, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Oct 2, 2026: 0.35% APYOct 2, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
Savings Account
0.35%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Over $10,000; Transaction Limits: Limited

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Commonwealth National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.30%
2214 Saint Stephens Rd, Mobile, AL 36617
Children's Savings Account
0.35%
$25
▼
Rate0.35%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

Parent must be signatory. This account must be opened at a branch.

Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 20, 2026: 0.35% APYSep 20, 2026Oct 14, 2026
Commonwealth National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.30%
2214 Saint Stephens Rd, Mobile, AL 36617
Regular Savings Account
0.35%
$100
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Use your savings account for overdraft protection on your checking account. Only 6 debit transactions per quarter; if greater, then $5 per transaction

Rate History
No change since Sep 16, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 16, 2026: 0.35% APYSep 16, 2026Oct 14, 2026
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
130 Mobile Infirmary Blvd, Mobile, AL 36607
Regular Share/Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50 - $9,999.99; Average Daily Balance

Rate History
No change since Sep 21, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 21, 2026: 0.35% APYSep 21, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
Business Savings Account
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Transaction Limits: Limited

Rate History
2 changes since Sep 14, 2026 · 0.30% → 0.30% ▼ 0.00 pts · high 0.30% / low 0.05%
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 27, 2026: 0.05% APYOct 2, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20260.30%▲ from 0.05%
  • Sep 27, 20260.05%▼ from 0.30%
  • Sep 14, 20260.30%first recorded
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
Christmas Savings
0.30%
$1
▼
Rate0.30%
Min Deposit$1
Min BalanceN/A
UpdatedOct 12, 2026
Details

Dividends paid quarterly.

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3150 AIRPORT BLVD, MOBILE, AL 36606
Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

minimum balance of $25 required to have any other account; Minimum Average Daily Balance of $100 required to receive dividends on Savings, Club Accounts and IRA Accounts.

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share Accounts
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100-$5000

Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 18, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Business Savings Accounts
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $75,000.00 and Above

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Savings Accounts
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $75,000.00 and Above; Dividends Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
64 N Royal St, Mobile, AL 36602
Traditional Savings
0.25%
$50
▼
Rate0.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 7, 2026
Details

Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250. Otherwise a $5 quarterly service charge will be applied. Interest is compounded daily and posted quarterly. An account can be linked to a First Horizon Bank checking account to provide 24-hour access to funds through the ATM. FDIC insured up to $250,000 * . Link to checking for overdraft protection . Accessible via Digital Banking . Convenient Automatic Savings Service with recurring transfers between accounts via Digital Banking. APY ** Annual Percentage Yield effective 9/28/26. APY is variable and subject to change. Fees may reduce earnings.

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 14, 2026
Community Bank of Mississippi
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
6587 Airport Blvd, Mobile, AL 36608
Community Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

CB will match the deposited difference by 5.00% quarterly. See bank for current APY. Rate may change after account open. Fees may reduce earnings. Fee amounts may change. To receive the 5.00% matched funds customer must maintain an open checking account with an active Community Bank debit card. Matched funds will be credited to designated account each calendar quarter-end. No minimum balance required.

Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Business Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000.00 - $74,999.99

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Health Savings Account
0.25%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
High Yield Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,001 and above

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
809 Downtowner Blvd, Mobile, AL 36609
Savings Accounts
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000.00 - $74,999.99; Dividends Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
PERSONAL SAVINGS
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: less than $10,000

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
Savings Account
0.20%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Under $10,000; Transaction Limits: Limited

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
4318 Downtowner Loop N, Mobile, AL 36609 5529
Regular Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: $2,500.01+

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
622 Azalea Rd, Mobile, AL 36609 1530
IRA Share Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
64 N Royal St, Mobile, AL 36602
Money Market Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
2540 Old Shell Rd Ste A, Mobile, AL 36607 3033
Alternate Share Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Published rate range: 0.15 to 0.20%. Balance tiers: Less than $5,000; More than $5,000. Dividends paid quarterly.

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
64 N Royal St, Mobile, AL 36602
Money Market Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $0 - $24,999

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Commonwealth National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 15.30%
2214 Saint Stephens Rd, Mobile, AL 36617
Holiday Club Savings Account
0.06%
$25
▼
Rate0.06%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

$15 early withdrawal penalty. No debit/ATM card. This account must be opened at a branch.

Rate History
No change since Sep 20, 2026 · 0.06% APY · checked 6 times
0.00%0.28%0.56%Sep 20, 2026: 0.06% APYSep 20, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3001 Dauphin St, Mobile, AL 36606
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Rate History
2 changes since Sep 18, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.01%
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 27, 2026: 0.01% APYOct 7, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20260.05%▲ from 0.01%
  • Sep 27, 20260.01%▼ from 0.05%
  • Sep 18, 20260.05%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3001 Dauphin St, Mobile, AL 36606
Retirement High Yield Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $0+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
685 Schillinger Road, Mobile, AL 36695
Business Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Transaction Limits: Limited

Rate History
2 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.25% / low 0.05%
0.00%0.38%0.75%Sep 14, 2026: 0.05% APYSep 27, 2026: 0.25% APYOct 2, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20260.05%▼ from 0.25%
  • Sep 27, 20260.25%▲ from 0.05%
  • Sep 14, 20260.05%first recorded
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1141 Montlimar Dr, Mobile, AL 36609
Personal Savings
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 7, 2026
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
First National Bank and Trust AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1275 Hillcrest Road, Mobile, AL 36608
FNB MMA
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min BalanceN/A
UpdatedOct 11, 2026
Details

daily balances up to $25,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
First National Bank and Trust AL
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
1275 Hillcrest Road, Mobile, AL 36608
Statement Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min BalanceN/A
UpdatedOct 11, 2026
Details

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3001 Dauphin St, Mobile, AL 36606
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Rate History
2 changes since Sep 18, 2026 · 0.02% → 0.02% ▼ 0.00 pts · high 0.02% / low 0.01%
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 27, 2026: 0.01% APYOct 7, 2026: 0.02% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20260.02%▲ from 0.01%
  • Sep 27, 20260.01%▼ from 0.02%
  • Sep 18, 20260.02%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3001 Dauphin St, Mobile, AL 36606
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Rate History
1 change since Sep 18, 2026 · 0.02% → 0.01% ▼ 0.01 pts · high 0.02% / low 0.01%
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 27, 2026: 0.01% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20260.01%▼ from 0.02%
  • Sep 18, 20260.02%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3001 Dauphin St, Mobile, AL 36606
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $0+

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
321 Bel Air Blvd, Mobile, AL 36606
S is for SAVINGS
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $1.00 - $499.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Emergency Fund Savings Account
5.00%
$50
▼
Rate0.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 7, 2026
Details

5.00% APY* on the first $5,000 in your account

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Emergency Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: 0 - 5,000.99

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Personal Savings
5.00%
$100
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
UpdatedOct 7, 2026
Details

Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more than $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 2/09/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month. Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
High Yield Savings Account
4.00%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Introductory promo for new customers. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). The Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
Companion Savings
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Earn 3.40% APY when you combine Companion Savings with a qualifying FirstBank CD.

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Emergency Savings
2.88%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Published APY range: 2.88 - 0.05%. Balance: 10,001.00+

Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 4 times
2.38%2.88%3.38%Sep 19, 2026: 2.88% APYSep 19, 2026Oct 14, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Kids Savings
2.00%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedSep 27, 2026
Details

Co-owned with parent or guardian Complimentary Kids Savings stackable money bank and passbook at new account opening

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
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.

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

Top Savings Rates from Mobile, Alabama Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Community Bank of Mississippi
Community Savings
A+ 5.0 ★ TX: 3.09%
Min: $0
5.00%
Woodforest National Bank
PERSONAL SAVINGS
A- 5.0 ★ TX: 14.96%
Min: $25
0.35%
Commonwealth National Bank
Children's Savings Account
A- 5.0 ★ TX: 15.30%
Min: $25
0.35%
First Horizon
Traditional Savings
A+ 5.0 ★ TX: 5.76%
Min: $50
0.25%
Wells Fargo
Platinum Savings
A+ 5.0 ★ TX: 5.36%
Min: $25
0.05%
CU Top 5 Credit Union Rates
Avadian Credit Union
Centsible Savings
A+ 5.0 ★ TX: 3.41%
Min: $0
7.00%
JM Associates Federal Credit Union
Reward Savings
A+ 5.0 ★ TX: 2.91%
Min: $0
5.12%
All In Credit Union
PFA Savings Rate
A 5.0 ★ TX: 11.52%
Min: $0
3.88%
Keesler Federal Credit Union
HIMMA Premier
A+ 5.0 ★ TX: 5.02%
Min: $0
3.25%
Family Security Credit Union
Health Savings Account
A+ 5.0 ★ TX: 1.16%
Min: $0
2.12%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all savings products.
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Mobile, AL Savings Rate Trends

Compare local Mobile, AL savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Alabama Savings Trends
High-Yield Savings AL Avg
2.346%
▼ 0.159 vs 7 days ago

Alabama high-yield savings rates fell 0.159 points over the past 7 days to 2.346% APY, down from 2.506%.

Standard Savings AL Avg
0.615%
▲ 0.036 vs 7 days ago

Alabama standard savings rates rose 0.036 points over the past 7 days to 0.615% APY, up from 0.579%.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

Mobile, Alabama Savings Rate Forecast, Next 12 Months

Savings rates move with Federal Reserve policy. Our model uses the current AL high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.

Current HY Avg, AL
2.346%
As of Oct 14, 2026
6-Month Forecast
2.396%
Fed hold assumed
12-Month Forecast
2.446%
Range: 2.196%, 2.646%

Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current AL high-yield savings average of 2.346% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.

Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Mobile, Alabama.

Powered byMonitorBankRates

Savings Account Earnings in Mobile, Alabama

Annual interest earnings at current AL average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.

Balance HY Savings (2.346% APY) Monthly Earnings Standard Savings (0.615% APY) Monthly Earnings
$5,000 $117.30 / year $9.78 $30.75 / year $2.56
$10,000 $234.61 / year $19.55 $61.49 / year $5.12
$25,000 $586.53 / year $48.88 $153.73 / year $12.81
$50,000 $1,173.05 / year $97.75 $307.45 / year $25.62
Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Mobile, Alabama savings rate averages as of October 14, 2026.
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206
Savings Rates Available to Mobile, Alabama Residents
8 Banks 13 Credit Unions

About Our Mobile, Alabama Savings Rate Database

MonitorBankRates found 21 institutions with branches in Mobile (8 banks, 13 credit unions), plus 4 additional state-chartered and national online institutions available to Mobile residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Avadian Credit Union offers a savings account at 7.00% APY. Use the rate table above to compare all current offers in Mobile, Alabama.

How to Find the Best Savings Rates in Mobile, Alabama

What to compare when shopping for a savings account in Mobile, Alabama

To find the best savings APYs in Mobile, Alabama, start with credit unions and online-only banks: Mobile, Alabama has 13 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.

Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current AL high-yield savings average is 2.346% but top local institutions are offering as high as 7.00%, so shopping around pays off.

Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.

When a High-Yield Savings Account Makes Sense

  • Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Mobile, Alabama high-yield savings rates currently average 2.346% APY, far above a typical checking account.
  • Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
  • Parking cash between investments: A high-yield savings account at Mobile, Alabama institutions keeps idle cash working harder while remaining fully accessible.
  • You prefer banking locally: 25 institutions in Mobile, Alabama report savings rates to our database.
  • No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.

Consider an Alternative If…

Mobile, Alabama Financial Snapshot

Local demographics and economic context for savers. Source: U.S. Census Bureau

Population 65+
17.4%
National avg: 17.3%
Median Individual Earnings
$35,648
National avg: $47,340
Poverty Rate
18.4%
National avg: 11.1%
Unemployment Rate
5.6%
National avg: 4.8%
Savings Earnings on 10% of Salary
$84/yr
At AL HY avg 2.346% APY

17.4% of residents are 65 or older, in line with the national average of 17.3%. At today’s AL high-yield savings average of 2.346%, saving 10% of the local median salary ($3,564/year) would earn an additional $84 annually in interest.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

Savings Accounts vs. Other Mobile, Alabama Options

How high-yield savings accounts compare to other deposit products available at banks and credit unions in Mobile, Alabama.

Feature High-Yield Savings Standard Savings Money Market CD (12-Month)
Current AL Avg APY 2.346% 0.615% View MMA Rates View CD Rates
Rate Type Variable Variable Variable Fixed for term
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Withdraw Anytime ✓ Yes ✓ Yes ✓ Yes ✗ Penalty applies
Check Writing ✗ No ✗ No ✓ Often yes ✗ No
Debit / ATM Card Some institutions ✗ Rarely ✓ Often yes ✗ No
Typical Min Deposit $0 to $100 $25 to $100 $0 to $2,500 $500 to $1,000
Rate Risk Variable, moves with Fed policy Variable, moves with Fed policy Variable, moves with Fed policy None, locked for term
Best For Emergency fund, short-term goals, parking cash Everyday saving, low-balance accounts Active savers wanting flexibility + check writing Locking in a rate for a defined period

APY data reflects Mobile, Alabama averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mobile, Alabama savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Mobile, Alabama directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Mobile, Alabama. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution’s official website. Last Updated and Verified: October 13, 2026

Frequently Asked Questions about Savings Accounts in Mobile, Alabama

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Alabama, help your money grow faster through a higher APY.

Are savings accounts in Mobile, Alabama safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Alabama up to $250,000 per depositor, per institution.

How often do savings rates change in Mobile, Alabama?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Alabama rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Mobile, Alabama may require $25 to $100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Mobile, Alabama?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Mobile, Alabama offer in-person customer service, which some customers prefer.

How do I open a savings account in Mobile, Alabama?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Mobile, Alabama

Here are recent savings rates observed in Mobile, Alabama and the surrounding area:
  • Avadian Credit Union
    Centsible Savings: 7.00% APY
  • JM Associates Federal Credit Union
    Reward Savings: 5.12% APY
  • Community Bank of Mississippi
    Community Savings: 5.00% APY
  • All In Credit Union
    PFA Savings Rate: 3.88% APY
  • Keesler Federal Credit Union
    HIMMA Premier: 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Mobile, Alabama. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: October 13, 2026

Mobile, Alabama Rates & Resources