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Arizona Savings Rate Trends

Tempe, Arizona (AZ) Savings Rates - March 2026

The best savings rates for Tempe, Arizona and the surrounding area include First Internet Bank of IndianaFirst Internet Bank of Indiana51 W 3rd St, Tempe, AZ 85281A+5.0 ★Texas Ratio: 1.39% Money Market Savings at 3.64% APY, PNC BankPNC Bank7605 S Mcclintock Dr, Tempe, AZ 85284A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Desert Financial Credit UnionDesert Financial Credit Union1245 E Broadway Rd, Tempe, AZ 85282A+5.0 ★Texas Ratio: 1.59% IRA and Health Savings at 2.25% APY, Crescent BankCrescent Bank960 W Elliot Rd, Tempe, AZ 85284C4.0 ★Texas Ratio: 27.16% Savings at 1.70% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ 85282 1893A+5.0 ★Texas Ratio: 1.58% Traditional/Roth IRA Savings at 1.00% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Tempe, 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 Tempe, Arizona (AZ) are continually updated — we recommend checking back frequently.

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Money Market Savings
3.64%
$100
Rate3.58%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7605 S Mcclintock Dr, Tempe, AZ 85284
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Money Market Savings
3.09%
$100
Rate3.05%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $1,000,000.00

Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1245 E Broadway Rd, Tempe, AZ 85282
IRA and Health Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
960 W Elliot Rd, Tempe, AZ 85284
Savings
1.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Traditional/Roth IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1345 W Warner Rd, Tempe, AZ 85284 2823
IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Coverdell ESA Shares
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Kids Savings
0.80%
$100
Rate0.80%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ 85281
Free Savings
0.80%
$25
Rate0.80%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
980 E Baseline Rd, Tempe, AZ 85283
UMB Premium Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Regular Shares
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

$5 minimum balance is required to maintain a Regular Savings account.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Regular Shares (Secondary)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ 85282 1893
Regular Share Account
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

$5 minimum balance is required to maintain a Regular Savings account.

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1345 W Warner Rd, Tempe, AZ 85284 2823
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%
1345 W Warner Rd, Tempe, AZ 85284 2823
Share Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
eSavings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

2,4

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
Regular Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

2,4

Arizona Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
4455 S Rural Rd, Tempe, AZ 85282
Business Member Share
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ 85281
Regular Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1345 W Warner Rd, Tempe, AZ 85284 2823
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%
1245 E Broadway Rd, Tempe, AZ 85282
Holiday Savings
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%
1245 E Broadway Rd, Tempe, AZ 85282
Membership Savings
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%
1245 E Broadway Rd, Tempe, AZ 85282
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%
2800 S Mill Ave, Tempe, AZ 85282
IRA Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1511 N Project Dr, Tempe, AZ 85288 1761
Share Savings
0.05%
$1
Rate0.05%
Min Deposit$1
Min Balance
UpdatedMar 25, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
Prime Share Savings
0.05%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
Share Manager
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5120 S Lakeshore Dr, Tempe, AZ 85282
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5120 S Lakeshore Dr, Tempe, AZ 85282
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

Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
Holiday Share
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7605 S Mcclintock Dr, Tempe, AZ 85284
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7605 S Mcclintock Dr, Tempe, AZ 85284
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5120 S Lakeshore Dr, Tempe, AZ 85282
Platinum Savings
0.02%
$25
Rate0.02%
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

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
980 E Baseline Rd, Tempe, AZ 85283
UMB Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5120 S Lakeshore Dr, Tempe, AZ 85282
Platinum Savings
0.01%
$25
Rate0.01%
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%
5120 S Lakeshore Dr, Tempe, AZ 85282
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Propel Savings
4.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 24, 2026
Details

High-yield tiers for bigger savings; No monthly fees with eStatements

Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ 85705 3204
Money Market Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
HIGH YIELD SAVINGS PERSONAL*
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Goldwater Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
2525 E Camelback Rd, Phoenix, AZ 85016
HIGH YIELD SAVINGS BUSINESS*
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
8337 W Bell Rd Ste 102, Peoria, AZ 85382 3798
Business Prosperity Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 25, 2026
Details

Intro rate subject to change

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
IRA Variable Rate Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
IRA Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
YourSavings Account
3.50%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Earn 3.50% APY on your first $1,000; Low $5.00 minimum to open an account; No monthly fee with eStatements; Qualifying balance up to $1,000.00

Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ 85037 3389
IRA Savings
3.45%
$0
Rate3.40%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ 85054
Premium Money Market Savings
3.40%
$0
Rate3.36%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4925 N 20th St, Phoenix, AZ 85016
Bloom Savings Account
3.35%
$0
Rate3.29%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Money Market Savings
3.31%
$0
Rate3.26%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ 85748
High-Yield Online Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Tucson Old Pueblo Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
2500 E 22nd St, Tucson, AZ 85713 2002
High-Yield Online Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

As High As

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1850 E Northrop Blvd, Chandler, AZ 85286
Elite Money Market Savings*
3.01%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
9225 E Shea Blvd, Scottsdale, AZ 85260
Above the Norm Personal Market Savings
2.99%
$500,000
Rate0.00%
Min Deposit$500,000
Min Balance
UpdatedMar 15, 2026
Details

Grow your money

FirstBank (Colorado)
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
4925 N 20th St, Phoenix, AZ 85016
Bloom Savings Account
2.85%
$0
Rate2.81%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Money Market Savings
2.82%
$0
Rate2.78%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
182 E 16th St, Yuma, AZ 85364
Gateway High Yield Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Minimum Balance 4,5,6,9,10

Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Money Market Savings
2.08%
$0
Rate2.06%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Stearns Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
9225 E Shea Blvd, Scottsdale, AZ 85260
Above the Norm Personal Market Savings
1.97%
$100,000
Rate0.00%
Min Deposit$100,000
Min Balance
UpdatedMar 15, 2026
Details

Grow your money

1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Club Savings Account
1.80%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Open up to 10 secondary accounts; Great to use for overdraft protection; Tap into online & mobile banking app

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.

Tempe, AZ Savings Rate Trends

Compare local Tempe, 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%
▼ 1.075 from last week

Arizona high-yield savings rates fell 1.075 points this week to 0.407% APY, down from 1.482% last week.

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

Arizona standard savings rates rose 0.132 points this week to 0.342% APY, up from 0.209% last week.

As of Mar 26, 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 Tempe, 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 Tempe, 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 Tempe, 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 Tempe, 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 Tempe, 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 Tempe, 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 Tempe, Arizona?

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

How do I open a savings account in Tempe, 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 Tempe, Arizona

Here are recent savings rates observed in Tempe, Arizona and the surrounding area:
  • First Internet Bank of Indiana
    Money Market Savings — 3.64% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Desert Financial Credit Union
    IRA and Health Savings — 2.25% APY
  • Crescent Bank
    Savings — 1.70% APY
  • Firefighters First Federal Credit Union
    Traditional/Roth IRA Savings — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tempe, Arizona. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026