Phenix City, 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 Phenix City, Alabama and the surrounding area include Kinetic Federal Credit UnionKinetic Federal Credit Union3722 US Highway 431 N, Phenix City, AL 36867A5.0 ★Texas Ratio: 7.93% IRA Savings (Traditional & Roth) at 0.35% APY, Wells FargoWells Fargo1014 280 Bypass, Phenix City, AL 36867A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, Avadian Credit UnionAvadian Credit Union15660 Highway 280, Chelsea, AL 35043A+5.0 ★Texas Ratio: 3.11% Centsible Savings2 at 7.00% APY, First US Bank (AL)First US Bank (AL)131 Main St, Grove Hill, AL 36451A+5.0 ★Texas Ratio: 3.21% NextGEN Savings at 5.12% APY, and Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1789 Cong W L Dickinson Dr, Montgomery, AL 36109 2601A5.0 ★Texas Ratio: 11.42% Round-Up Savings at 5.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Phenix City, 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 Phenix City, Alabama (AL) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Phenix City, Alabama and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Phenix City, Alabama & Surrounding Communities
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
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
Balance cap: $100,000
Balance cap: $25,000
Balance cap: $2,500
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.
Phenix City, AL Savings Rate Trends
Compare local Phenix City, 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 Phenix City, 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 Phenix City, 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 Phenix City, Alabama
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Phenix City, Alabama safe?
How often do savings rates change in Phenix City, 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 Phenix City, Alabama?
How do I open a savings account in Phenix City, Alabama?
Best Savings Rates in Phenix City, Alabama
- Kinetic Federal Credit Union
IRA Savings (Traditional & Roth) — 0.35% APY - Wells Fargo
Platinum Savings — 0.05% APY - Avadian Credit Union
Centsible Savings2 — 7.00% APY - First US Bank (AL)
NextGEN Savings — 5.12% APY - Guardian Credit Union Montgomery, AL
Round-Up Savings — 5.10% APY
