Elkhart, Indiana (IN) Savings Rates - March 2026
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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 Elkhart, Indiana and the surrounding area include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN1909 E Bristol St, Elkhart, IN 46514A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, PNC BankPNC Bank145 County Road 6 W, Elkhart, IN 46514A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Lake City BankLake City Bank864 E Beardsley Ave, Elkhart, IN 46514A+5.0 ★Texas Ratio: 3.11% Rewards Savings at 0.36% APY, First FSB Rochester, INFirst FSB Rochester, IN2926 S Main St, Elkhart, IN 46517A5.0 ★Texas Ratio: 10.65% Money Market Savings Accounts at 0.15% APY, and Interra Credit UnionInterra Credit Union1139 County Road 17, Elkhart, IN 46516A+5.0 ★Texas Ratio: 1.74% Sign & Save Savings at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Elkhart, Indiana, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Elkhart, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Elkhart, Indiana and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Elkhart, Indiana & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1909 E Bristol St, Elkhart, IN 46514
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
145 County Road 6 W, Elkhart, IN 46514
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
864 E Beardsley Ave, Elkhart, IN 46514
Rewards Savings
0.36%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required; Qualifying balance up to $50,000
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
864 E Beardsley Ave, Elkhart, IN 46514
Rewards Savings
0.26%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required; Qualifying balance up to $50,000
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
864 E Beardsley Ave, Elkhart, IN 46514
Rewards Savings
0.16%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Money Market Savings Accounts
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Money Market Savings Accounts
0.12%
$50
▼
Rate0.12%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1139 County Road 17, Elkhart, IN 46516
Sign & Save Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1139 County Road 17, Elkhart, IN 46516
IRA Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1139 County Road 17, Elkhart, IN 46516
HSA Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Money Market Savings Accounts
0.08%
$50
▼
Rate0.08%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1139 County Road 17, Elkhart, IN 46516
Share Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
REGULAR SHARE
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Interra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
1139 County Road 17, Elkhart, IN 46516
Member Share Savings
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Money Market Savings Accounts
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
145 County Road 6 W, Elkhart, IN 46514
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Simply Savings
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
First FSB Rochester, IN
Institution Rating:
A5.0 ★Texas Ratio: 10.65%
2926 S Main St, Elkhart, IN 46517
Simply Business Savings
0.03%
$50
▼
Rate0.03%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
145 County Road 6 W, Elkhart, IN 46514
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
864 E Beardsley Ave, Elkhart, IN 46514
Rewards Savings
0.01%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
901 County Road 6 E, Elkhart, IN 46514
Statement Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
CHIPHONE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
710 N WILDWOOD AVE, ELKHART, IN 46514 1876
SHARE DRAFT
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Business Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Ownership Share and Business Ownership Share
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
1110 N Main St, Goshen, IN 46528 2638
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
Money Market Savings
3.64%
$100
▼
Rate3.58%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
Church Variable Shares
3.55%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$200,000 & Over
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
108 E Main St, Danville, IN 46122
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
105 E Winslow Rd, Bloomington, IN 47401
Share Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
105 E Winslow Rd, Bloomington, IN 47401
Business Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
Church Variable Shares
3.29%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000-$199,999
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN 46250
Collateral - Statement Savings
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
over current rate account is earning
Bippus State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
150 Hauenstein Rd, Huntington, IN 46750
Elevated Savings
3.25%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
Money Market Savings
3.09%
$100
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $1,000,000.00
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
Church Variable Shares
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25,000-$99,999
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
639 S Delaware St, Indianapolis, IN 46225
High Yield Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
1234 N Eddy St Ste 101, South Bend, IN 46617 1477
High Yield Savings Plus
3.00%
$100,000
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 bonus
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
105 E Winslow Rd, Bloomington, IN 47401
Business Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
927 S Curry Pike, Bloomington, IN 47403 2624
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
927 S Curry Pike, Bloomington, IN 47403 2624
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
105 E Winslow Rd, Bloomington, IN 47401
Share Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Peoples T&S Bank Boonville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
132 S 3rd St, Boonville, IN 47601
Elite Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Click for more details!
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
1110 N Main St, Goshen, IN 46528 2638
Jubilee savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Jubilee savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
MIDWEST AMERICA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
801 E Tillman Rd, Fort Wayne, IN 46816 1971
Youth Savings
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 21, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
108 E Main St, Danville, IN 46122
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Elements Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
639 S Delaware St, Indianapolis, IN 46225
High Yield Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Springs Valley B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
8482 W State Road 56, French Lick, IN 47432
Savings
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required; Qualifying balance up to $250,000.00
Crane Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1 W Gate Dr, Odon, IN 47562
Money Market Savings
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Relationship savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required
DeMotte State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
101 S Main St, Morocco, IN 47963
Savings Growth
2.61%
$0
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
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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.
Elkhart, IN Savings Rate Trends
Compare local Elkhart, IN 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 — IN Avg
1.229%
▼ 0.570 from last week
Indiana high-yield savings rates fell 0.570 points this week to 1.229% APY, down from 1.799% last week.
Standard Savings — IN Avg
0.402%
▲ 0.321 from last week
Indiana standard savings rates rose 0.321 points this week to 0.402% APY, up from 0.081% last week.
As of Mar 28, 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 Elkhart, Indiana 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 Elkhart, Indiana. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in IN.
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 Elkhart, Indiana
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 Indiana, help your money grow faster through a higher APY.
Are savings accounts in Elkhart, Indiana 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 Indiana up to $250,000 per depositor, per institution.
How often do savings rates change in Elkhart, Indiana?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Indiana 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 Elkhart, Indiana 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 Elkhart, Indiana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Elkhart, Indiana offer in-person customer service, which some customers prefer.
How do I open a savings account in Elkhart, Indiana?
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 Elkhart, Indiana
Here are recent savings rates observed in Elkhart, Indiana and the surrounding area:
- Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Lake City Bank
Rewards Savings — 0.36% APY - First FSB Rochester, IN
Money Market Savings Accounts — 0.15% APY - Interra Credit Union
Sign & Save Savings — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Elkhart, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
