Muscle Shoals, Alabama (AL) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Muscle Shoals, Alabama and the surrounding area include PNC BankPNC Bank606 Avalon Ave, Muscle Shoals, AL 35661A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Family Security Credit UnionFamily Security Credit Union2015 Avalon Ave, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 1.42% Coverdell Education Share at 2.12% APY, Alabama Central Credit UnionAlabama Central Credit Union743 Avalon Ave, Muscle Shoals, AL 35661 2303A+5.0 ★Texas Ratio: 0.75% Kids Central Savings at 0.60% APY, TVA Community Credit UnionTVA Community Credit Union1010 Reservation Road, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 0.71% Regular Shares at 0.20% APY, and Listerhill Credit UnionListerhill Credit Union4790 2nd St, Muscle Shoals, AL 35661 1285A+5.0 ★Texas Ratio: 4.62% Share Savings Account at 0.20% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Muscle Shoals, Alabama, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Muscle Shoals, Alabama (AL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Muscle Shoals, Alabama and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Muscle Shoals, Alabama & Surrounding Communities
Effective 3/1/2026
Effective 3/1/2026
Effective 3/1/2026
Effective 3/1/2026
Effective 3/1/2026
Effective 3/1/2026
Qualifying balance up to $1000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
Qualifying balance up to $10,000.00; Ultimate Checking account required
$10,000 required average daily balance
Qualifying balance up to $25,000.00
Qualifying balance up to $10,000.00
Complimentary Kids Savings stackable money bank and passbook at new account opening
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.
Muscle Shoals, AL Savings Rate Trends
Compare local Muscle Shoals, AL savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Alabama high-yield savings rates fell 0.714 points this week to 1.084% APY, down from 1.799% last week.
Alabama standard savings rates rose 0.307 points this week to 0.719% APY, up from 0.412% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Muscle Shoals, 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 Muscle Shoals, 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.
Frequently Asked Questions about Savings Accounts in Muscle Shoals, Alabama
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Muscle Shoals, Alabama safe?
How often do savings rates change in Muscle Shoals, Alabama?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Muscle Shoals, Alabama?
How do I open a savings account in Muscle Shoals, Alabama?
Best Savings Rates in Muscle Shoals, Alabama
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Family Security Credit Union
Coverdell Education Share — 2.12% APY - Alabama Central Credit Union
Kids Central Savings — 0.60% APY - TVA Community Credit Union
Regular Shares — 0.20% APY - Listerhill Credit Union
Share Savings Account — 0.20% APY
