Richmond, Indiana (IN) Savings Rates - March 2026
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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 Richmond, Indiana and the surrounding area include Kemba Credit UnionKemba Credit Union50 N 5th St, Richmond, IN 47374A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, Perfect Circle Credit UnionPerfect Circle Credit Union77 S 37th St, Richmond, IN 47374A+5.0 ★Texas Ratio: 5.55% Diamond Savings at 0.55% APY, Natco Credit UnionNatco Credit Union582 S ROUND BARN RD, RICHMOND, IN 47374 4435A+5.0 ★Texas Ratio: 5.02% IRA Roth Conversion Shares at 0.35% APY, Health Care Professionals Federal Credit UnionHealth Care Professionals Federal Credit Union1810 Williamsburg Pike, Richmond, IN 47374A+5.0 ★Texas Ratio: 0.20% Reg Shares at 0.25% APY, and Wayne Bank and Trust Co.Wayne Bank and Trust Co.500 S A St, Richmond, IN 47374A+5.0 ★Texas Ratio: 4.86% Savings at 0.25% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Richmond, 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 Richmond, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Richmond, Indiana and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Richmond, Indiana & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
Diamond Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
IRA Roth Conversion Shares
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
IRA & HSA Shares
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
IRA Shares
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
IRA Roth Shares
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
Regular Shares Tier 1
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
Special Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
Regular Shares
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
Morey the Moose Kids Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Health Care Professionals Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1810 Williamsburg Pike, Richmond, IN 47374
Reg Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
Regular Shares Tier 2
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Three Rivers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
34 S 7th St, Richmond, IN 47374 5424
Standard Savings
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
Regular Shares
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
500 S A St, Richmond, IN 47374
Savings
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Secondary Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Health Care Professionals Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1810 Williamsburg Pike, Richmond, IN 47374
Reg Shares
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
50 N 5th St, Richmond, IN 47374
Ohio Homebuyer Plus Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Natco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
582 S ROUND BARN RD, RICHMOND, IN 47374 4435
Regular Shares
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
Regular Shares Tier 3
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Perfect Circle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
77 S 37th St, Richmond, IN 47374
Regular Shares Tier 4
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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
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
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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
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
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
515 Franklin St, Michigan City, IN 46360
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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 26, 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
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 20, 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
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
69306 N Main St, Richmond, MI 48062
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 26, 2026
Details
Qualifying balance up to $1,000,000.00
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 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%
211 E Main St, Richmond, OH 43944
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 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 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.
Richmond, IN Savings Rate Trends
Compare local Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Indiana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Richmond, Indiana offer in-person customer service, which some customers prefer.
How do I open a savings account in Richmond, 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 Richmond, Indiana
Here are recent savings rates observed in Richmond, Indiana and the surrounding area:
- Kemba Credit Union
Ohio Homebuyer Plus Savings — 6.25% APY - Perfect Circle Credit Union
Diamond Savings — 0.55% APY - Natco Credit Union
IRA Roth Conversion Shares — 0.35% APY - Health Care Professionals Federal Credit Union
Reg Shares — 0.25% APY - Wayne Bank and Trust Co.
Savings — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Richmond, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
