District Of Columbia (DC) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for District Of Columbia include SPECTRASPECTRA4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001A+5.0 ★Texas Ratio: 0.00% Brilliant Kid's Savings Account at 10.38% APY, Andrews Federal Credit UnionAndrews Federal Credit Union1556 Alabama Ave SE, Washington, DC 20032A5.0 ★Texas Ratio: 11.92% Online Savings Account at 5.00% APY, Justice Federal Credit UnionJustice Federal Credit Union935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001A5.0 ★Texas Ratio: 9.17% FREEDOM DIRECT SAVINGS at 4.00% APY, Presidential BankPresidential Bank1660 K St Nw, Washington, DC 20006A5.0 ★Texas Ratio: 9.69% Advantage Savings at 3.75% APY, and EagleBankEagleBank700 K St Nw Ste 60, Washington, DC 20001A+5.0 ★Texas Ratio: 5.93% Eagle High-Yield Savings Account at 3.70% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in District Of Columbia compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in District Of Columbia (DC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in District Of Columbia and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in District Of Columbia
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Brilliant Kid's Savings Account
10.38%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $1,000.00
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4555 Overlook Ave SW Bldg 222, Washington, DC 20375 0001
Brilliant Kids Savings
10.38%
$0
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
1556 Alabama Ave SE, Washington, DC 20032
Online Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
935 Pennsylvania Ave NW Rm 8676, Washington, DC 20535 0001
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
Advantage Savings
3.75%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
Eagle High-Yield Savings Account
3.70%
$0
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $500,000.00
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Premier Savings Accounts
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Premier Savings Accounts
3.46%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
STE 1328, Washington, DC 20057 0001
Current Student High Yield Savings Account
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Low minimum balance of $1000
Georgetown University Alumni and Student Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
STE 1328, Washington, DC 20057 0001
New Graduate High Yield Savings Account
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Low minimum balance of $500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Premier Savings Accounts
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Premier Savings Accounts
3.25%
$50,000
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedMar 27, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Preferred Savings Accounts
3.25%
$20,000
▼
Rate3.20%
Min Deposit$20,000
Min Balance—
UpdatedMar 27, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
IRA Savings Account
3.25%
$50
▼
Rate3.20%
Min Deposit$50
Min Balance—
UpdatedMar 27, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
1556 Alabama Ave SE, Washington, DC 20032
High Yield Savings Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3806 12th St Ne, Washington, DC 20017
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
802 7th St Nw, Washington, DC 20001
Premier Relationship Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
RELATIONSHIP
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, DC 20523 0001
Preferred Savings Accounts
3.20%
$50
▼
Rate3.15%
Min Deposit$50
Min Balance—
UpdatedMar 27, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
4860 Massachusetts Ave Nw, Washington, DC 20016
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
Wellness Builder Savings Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
200 Constitution Ave NW, Washington, DC 20210
Journey Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $1,000.00
Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
200 Constitution Ave NW, Washington, DC 20210
JOURNEY SAVINGS YOUTH
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $1,000.00
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
Premium Online Savings Account
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$5 minimum balance to open
HUD
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
451 7th St Sw Rm 3241, Washington, DC 20410
Rainy Day Savings
2.27%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $5,000.00
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
441 G St NW Ste 3M54, Washington, DC 20548 0001
Youth Savings Account
2.10%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Plus Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Plus Savings
1.71%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
Eagle Retirement Savings
1.68%
$0
▼
Rate1.66%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
700 K St Nw Ste 60, Washington, DC 20001
Eagle Savings
1.68%
$0
▼
Rate1.66%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2112 F St NW, Washington, DC 20037
Wellness Builder Savings Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 6
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 5
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Plus Savings
1.36%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 4
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
301 13th Street SW RM 215A, Washington, DC 20228 0001
Educational Savings
1.26%
$500
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC 20577 0001
High-Yield Share Savings Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 3
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 2
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Money Market Savings Tier 1
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
1825 K St Nw, Washington, DC 20006
Maximum Impact SavingsTM1
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Plus Savings
1.03%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Savings
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
550 C St SW, Washington, DC 20024 2572
IRA Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Balances of $3,500 and over
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC 20577 0001
High-Yield Share Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
IRA Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
IDB Global Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC 20577 0001
High-Yield Share Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
550 C St SW, Washington, DC 20024 2572
IRA Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Balances of less than $3,500
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Washington, DC 20018
eVolve Share
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Washington, DC 20018
Millennial Share
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2440 Market St NE Ste 901, Washington, DC 20018
Money Mouse Share
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1101 New York Ave NW, Washington, DC 20005 4269
Signal Smart Savings
0.55%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1660 K St Nw, Washington, DC 20006
Premier Savings
0.50%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Earn 0.50% APY* on daily Balances up to $35,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
457 Lenfant Plz SW, Washington, DC 20024 2111
Regular Share/Trust/Special Purpose Club Accounts Other Club Accounts (Vacation, Christmas, Tax)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
EP
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
301 13th Street SW RM 215A, Washington, DC 20228 0001
IRA Roth Savings
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
1825 K St Nw, Washington, DC 20006
Give-Back Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
City First Bank. N.A.
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1432 U St Nw, Washington, DC 20009
Impact Business Savings
0.35%
$250
▼
Rate0.35%
Min Deposit$250
Min Balance—
UpdatedMar 25, 2026
Details
Powered by
MonitorBankRates
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.
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.
District Of Columbia Savings Rate Trends
Compare local District Of Columbia 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.
High-Yield Savings — DC Avg
0.931%
▼ 0.333 from last week
District Of Columbia high-yield savings rates fell 0.333 points this week to 0.931% APY, down from 1.264% last week.
Standard Savings — DC Avg
0.950%
▲ 0.920 from last week
District Of Columbia standard savings rates rose 0.920 points this week to 0.950% APY, up from 0.030% last week.
As of Mar 29, 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 District Of Columbia 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 District Of Columbia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in DC.
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 District Of Columbia
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 District Of Columbia, help your money grow faster through a higher APY.
Are savings accounts in District Of Columbia 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 District Of Columbia up to $250,000 per depositor, per institution.
How often do savings rates change in District Of Columbia?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local District Of Columbia 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 District Of Columbia 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 District Of Columbia?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in District Of Columbia offer in-person customer service, which some customers prefer.
How do I open a savings account in District Of Columbia?
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 District Of Columbia
Here are recent savings rates observed in District Of Columbia:
- SPECTRA
Brilliant Kid's Savings Account — 10.38% APY - Andrews Federal Credit Union
Online Savings Account — 5.00% APY - Justice Federal Credit Union
FREEDOM DIRECT SAVINGS — 4.00% APY - Presidential Bank
Advantage Savings — 3.75% APY - EagleBank
Eagle High-Yield Savings Account — 3.70% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in District Of Columbia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
Cities in District Of Columbia
