Gary, 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 Gary, Indiana and the surrounding area include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN3599 Grant St, Gary, IN 46408A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, Indiana University Credit UnionIndiana University Credit Union3400 Broadway, Gary, IN 46408A+5.0 ★Texas Ratio: 4.09% Business Savings Account at 3.50% APY, Everwise Credit UnionEverwise Credit Union3730 Grant St, Gary, IN 46408A5.0 ★Texas Ratio: 7.93% Boost High-Yield Savings at 3.00% APY, Tech Credit UnionTech Credit Union2155 W Ridge Rd, Gary, IN 46408 2056B+4.8 ★Texas Ratio: 18.03% Premier Savings at 1.71% APY, and Everence Trust CompanyEverence Trust Company1110 N Main St, Goshen, IN 46528A+5.0 ★Texas Ratio: 0.00% Youth savings at 5.00% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Gary, 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 Gary, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Gary, Indiana and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Gary, 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%
3599 Grant St, Gary, IN 46408
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3730 Grant St, Gary, IN 46408
Boost High-Yield Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifications Required; Qualifying balance up to $4,000.00
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Premier Savings
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Premier Savings
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Premier Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Premier Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Membership Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Education Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Membership, Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Membership Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3730 Grant St, Gary, IN 46408
IRA Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Share Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
2155 W Ridge Rd, Gary, IN 46408 2056
Membership Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3400 Broadway, Gary, IN 46408
Business Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Everwise Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3730 Grant St, Gary, IN 46408
Choice Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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 13, 2026
Details
Qualifying balance up to $1,000.00
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
Money Market Savings
3.64%
$100
▼
Rate3.58%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 N Main St, Auburn, IN 46706
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
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 20, 2026
Details
Qualifying balance up to $1,000,000.00
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
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 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 13, 2026
Details
Qualifying balance up to $1,000.00
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 20, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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
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 13, 2026
Details
Qualifying balance up to $5,000.00
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 20, 2026
Details
Hicksville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
1130 W 15th St, Auburn, IN 46706
Hometown Savings
2.35%
$10,000
▼
Rate2.32%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details
Hicksville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
1130 W 15th St, Auburn, IN 46706
Bus. Hometown Savings
2.35%
$10,000
▼
Rate2.32%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details
Peoples State Bank Ellettsville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 E Temperance St, Ellettsville, IN 47429
Prestige Money Market Checking Account and Prestige Savings Account
2.28%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
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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.
Gary, IN Savings Rate Trends
Compare local Gary, 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
1.246%
▼ 1.754 from last week
Indiana high-yield savings rates fell 1.754 points this week to 1.246% APY, down from 3.000% last week.
Standard Savings — IN Avg
0.372%
▲ 0.153 from last week
Indiana standard savings rates rose 0.153 points this week to 0.372% APY, up from 0.219% 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 Gary, 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 Gary, 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 Gary, 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 Gary, 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 Gary, 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 Gary, 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 Gary, Indiana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Gary, Indiana offer in-person customer service, which some customers prefer.
How do I open a savings account in Gary, 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 Gary, Indiana
Here are recent savings rates observed in Gary, Indiana and the surrounding area:
- Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - Indiana University Credit Union
Business Savings Account — 3.50% APY - Everwise Credit Union
Boost High-Yield Savings — 3.00% APY - Tech Credit Union
Premier Savings — 1.71% APY - Everence Trust Company
Youth savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Gary, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
