South Bend, 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 South Bend, Indiana and the surrounding area include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN17400 State Road 23, South Bend, IN 46635A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, PNC BankPNC Bank110 N Lafayette Blvd, South Bend, IN 46601A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL1234 N Eddy St Ste 101, South Bend, IN 46617 1477A5.0 ★Texas Ratio: 8.23% High Yield Savings Plus at 3.00% APY, Notre Dame Federal Credit UnionNotre Dame Federal Credit Union2102 E Ireland Rd, South Bend, IN 46614A+5.0 ★Texas Ratio: 4.69% Health Savings Account at 2.00% APY, and United Federal Credit UnionUnited Federal Credit Union223 W Ireland Rd, South Bend, IN 46614A+5.0 ★Texas Ratio: 3.35% Health Savings Account (HSA) at 1.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in South Bend, 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 South Bend, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in South Bend, Indiana and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in South Bend, 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%
17400 State Road 23, South Bend, IN 46635
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%
110 N Lafayette Blvd, South Bend, IN 46601
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Health Savings Account
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Health Savings Account (HSA)
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
IMMA Gold
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
21113 Cleveland Rd, South Bend, IN 46628
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%
21113 Cleveland Rd, South Bend, IN 46628
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
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Health Savings Account (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
IMMA
0.25%
$25,000
▼
Rate0.25%
Min Deposit$25,000
Min Balance—
UpdatedMar 28, 2026
Details
South Bend Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1122 S MAIN ST, SOUTH BEND, IN 46601 3338
Regular Shares
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
21113 Cleveland Rd, South Bend, IN 46628
Rewards Savings
0.16%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
IMMA
0.15%
$2,499
▼
Rate0.15%
Min Deposit$2,499
Min Balance—
UpdatedMar 28, 2026
Details
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Coverdell Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
IRA Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Achiever Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
IMMA
0.10%
$1,000
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
Health Savings Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
Membership Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Traditional/Roth IRA Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
Regular & Special Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Membership Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
223 W Ireland Rd, South Bend, IN 46614
Youth Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
Targeted Share Savings Christmas
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
Targeted Share Savings Special Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
Targeted Share Savings Vacation Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Coverdell Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
53790 Generations Dr, South Bend, IN 46635
Health Savings Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Share Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
2102 E Ireland Rd, South Bend, IN 46614
Traditional/Roth IRA Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1130 S Main St, South Bend, IN 46601 3338
Membership Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
110 N Lafayette Blvd, South Bend, IN 46601
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
110 N Lafayette Blvd, South Bend, IN 46601
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwest Bank Warren, PA
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
742 E Ireland Rd, South Bend, IN 46614
Statement Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
21113 Cleveland Rd, South Bend, IN 46628
Rewards Savings
0.01%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
Rewards Checking account required
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
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
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
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.
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
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
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
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 28, 2026
Details
Qualifying balance up to $500.00
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
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!
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.
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 28, 2026
Details
Qualifications Met
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 28, 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 28, 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 28, 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 28, 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.
South Bend, IN Savings Rate Trends
Compare local South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, 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 South Bend, Indiana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in South Bend, Indiana offer in-person customer service, which some customers prefer.
How do I open a savings account in South Bend, 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 South Bend, Indiana
Here are recent savings rates observed in South Bend, 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 - Credit Union 1 Credit Union Rantoul, IL
High Yield Savings Plus — 3.00% APY - Notre Dame Federal Credit Union
Health Savings Account — 2.00% APY - United Federal Credit Union
Health Savings Account (HSA) — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in South Bend, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
