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Arizona Savings Rate Trends

Gilbert, Arizona (AZ) Savings Rates - March 2026

The best savings rates for Gilbert, Arizona and the surrounding area include Pima Federal Credit UnionPima Federal Credit Union1417 E Elliot Road, Gilbert, AZ 85233A+5.0 ★Texas Ratio: 2.69% Money Market Savings Account at 4.00% APY, Bell BankBell Bank3683 S Val Vista Dr, Gilbert, AZ 85297A+5.0 ★Texas Ratio: 2.41% IRA Variable Rate Savings at 3.56% APY, FirstBank (Colorado)FirstBank (Colorado)1550 N Gilbert Rd, Gilbert, AZ 85234A+5.0 ★Texas Ratio: 1.68% Bloom Savings Account at 3.35% APY, PNC BankPNC Bank1085 E Baseline Rd, Gilbert, AZ 85233A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, and Desert Financial Credit UnionDesert Financial Credit Union1525 N Gilbert Rd Ste 110, Gilbert, AZ 85234A+5.0 ★Texas Ratio: 1.59% IRA and Health Savings at 2.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Gilbert, Arizona, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Gilbert, Arizona (AZ) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Gilbert, Arizona and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Gilbert, Arizona & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Money Market Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
IRA Variable Rate Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Bloom Savings Account
3.35%
$0
Rate3.29%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1085 E Baseline Rd, Gilbert, AZ 85233
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Elite Money Market Savings*
3.01%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Youth Savings Accounts
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $999.99

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Youth Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Bloom Savings Account
2.85%
$0
Rate2.81%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Money Market Savings Account
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1525 N Gilbert Rd Ste 110, Gilbert, AZ 85234
IRA and Health Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Premium Share Account
2.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Youth Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Youth Savings
1.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Premium Savings
1.75%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $124,999

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Youth Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Premium Share
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Bloom Savings Account
1.45%
$0
Rate1.44%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Premier Money Market Savings*
1.36%
$0
Rate1.35%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Premier Money Market Savings*
1.26%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Youth Savings
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Money Market Savings Account
1.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Premier Money Market Savings*
1.16%
$0
Rate1.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Youth Savings
1.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Money Market Savings
1.06%
$0
Rate1.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
64 E Pecos RD, Gilbert, AZ 85295
IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
1417 E Elliot Road, Gilbert, AZ 85233
Money Market Savings Account
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Business 2 Year Time Savings Account
0.75%
$0
Rate0.74%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
2 Year Time Savings Account
0.75%
$0
Rate0.74%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
845 N Gilbert Rd, Gilbert, AZ 85234
UMB Premium Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
1 Year Time Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Business 1 Year Time Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
1 Year Time Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Bloom Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Premium Savings
0.30%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $9,999.99

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Smart Choice College Savings Plan
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Money Market Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3683 S Val Vista Dr, Gilbert, AZ 85297
Regular Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Regular Savings
0.15%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
1671 S Cooper Rd, Gilbert, AZ 85233
Regular Share Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1525 N Gilbert Rd Ste 110, Gilbert, AZ 85234
Membership Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
91 Day Time Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Smart Choice College Savings Plan
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Money Market Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Business 91 Day Time Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1525 N Gilbert Rd Ste 110, Gilbert, AZ 85234
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
64 E Pecos RD, Gilbert, AZ 85295
Select Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
64 E Pecos RD, Gilbert, AZ 85295
Share Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
64 E Pecos RD, Gilbert, AZ 85295
Youth Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1525 N Gilbert Rd Ste 110, Gilbert, AZ 85234
Holiday Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
657 N Gilbert Rd, Gilbert, AZ 85234
Holiday Share
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3565 S Gilbert Rd, Gilbert, AZ 85297
Secondary savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Insured by NCUA. Effective as of 3/19/2026. There is no minimum deposit required to open a secondary savings account and balances above $0 will accrue dividends. Rates and terms are subject to change.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3565 S Gilbert Rd, Gilbert, AZ 85297
Savings accounts
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3565 S Gilbert Rd, Gilbert, AZ 85297
Primary savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Insured by NCUA. Effective as of 3/19/2026. Minimum deposit required to open and maintain a primary savings account is $1. Balances of $100 or more will accrue dividends. Rates and terms are subject to change.

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Smart Choice College Savings Plan
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Money Market Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 N Gilbert Rd, Gilbert, AZ 85234
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
700 N Gilbert Rd, Gilbert, AZ 85234
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Bloom Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1550 N Gilbert Rd, Gilbert, AZ 85234
Business Money Market Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
657 N Gilbert Rd, Gilbert, AZ 85234
IRA Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 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.

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.

Gilbert, AZ Savings Rate Trends

Compare local Gilbert, AZ 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.

View Full Arizona Savings Trends →
High-Yield Savings — AZ Avg
0.407%
▼ 1.144 from last week

Arizona high-yield savings rates fell 1.144 points this week to 0.407% APY, down from 1.551% last week.

Standard Savings — AZ Avg
0.342%
▲ 0.229 from last week

Arizona standard savings rates rose 0.229 points this week to 0.342% APY, up from 0.113% last week.

As of Mar 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Gilbert, Arizona 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 Gilbert, Arizona. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AZ.

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 Gilbert, Arizona

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 Arizona, help your money grow faster through a higher APY.

Are savings accounts in Gilbert, Arizona 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 Arizona up to $250,000 per depositor, per institution.

How often do savings rates change in Gilbert, Arizona?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Arizona 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 Gilbert, Arizona may require $25–$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 Gilbert, Arizona?

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

How do I open a savings account in Gilbert, Arizona?

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 Gilbert, Arizona

Here are recent savings rates observed in Gilbert, Arizona and the surrounding area:
  • Pima Federal Credit Union
    Money Market Savings Account — 4.00% APY
  • Bell Bank
    IRA Variable Rate Savings — 3.56% APY
  • FirstBank (Colorado)
    Bloom Savings Account — 3.35% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Desert Financial Credit Union
    IRA and Health Savings — 2.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Gilbert, Arizona. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026