The best savings rates for Spencer, Indiana and the surrounding area include Baxter Credit UnionBaxter Credit Union780 Brookside Dr, Spencer, IN 47460A5.0 ★Texas Ratio: 7.73% SafeGuard Savings, Municipal at 3.00% APY, Crane Credit UnionCrane Credit Union279 E Morgan St, Spencer, IN 47460A5.0 ★Texas Ratio: 6.87% Money Market Savings at 2.78% APY, Peoples State Bank Ellettsville, INPeoples State Bank Ellettsville, IN304 Morgan Street, Spencer, IN 47460A+5.0 ★Texas Ratio: 0.00% Prestige Money Market Checking Account and Prestige Savings Account at 2.28% APY, Kemba Credit UnionKemba Credit Union1111 S Adams St, Bluffton, IN 46714 9772A5.0 ★Texas Ratio: 6.17% Ohio Homebuyer Plus Savings at 6.25% APY, and Beacon Credit UnionBeacon Credit Union136 Northpoint Ave, Huntington, IN 46750 7764A+5.0 ★Texas Ratio: 1.45% Business Ownership Share at 6.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Spencer, 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 Spencer, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Spencer, Indiana and the surrounding area. Last Updated and Verified: March 27, 2026
On balances above $25,000 and up to $50,000
On balances up to $25,000
On remainder over $50,000
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
$200,000 & Over
$100,000-$199,999
over current rate account is earning
Qualifying balance up to $10,000.00
Qualifying balance up to $1,000,000.00
Qualifying balance up to $1,000.00
Click for more details!
Minimum of $5,000 not currently deposited at Huntington.
Qualifications Required; Qualifying balance up to $250,000.00
Qualifications Required
Compare local Spencer, 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.
Indiana high-yield savings rates fell 0.433 points this week to 1.118% APY, down from 1.551% last week.
Indiana standard savings rates rose 0.306 points this week to 0.402% APY, up from 0.096% last week.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Spencer, 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 Spencer, 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.