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Indiana Savings Rate Trends

Warsaw, Indiana (IN) Savings Rates - March 2026

The best savings rates for Warsaw, Indiana and the surrounding area include Beacon Credit UnionBeacon Credit Union2514 E Center St, Warsaw, IN 46580A+5.0 ★Texas Ratio: 1.45% Business Ownership Share at 6.00% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN433 Anchorage Rd, Warsaw, IN 46580A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, PNC BankPNC Bank220 W Market St, Warsaw, IN 46580A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Lake City BankLake City Bank202 E Center St, Warsaw, IN 46580A+5.0 ★Texas Ratio: 3.11% Rewards Savings at 0.36% APY, and Via Credit UnionVia Credit Union1911 Plaza Dr, Warsaw, IN 46580A+5.0 ★Texas Ratio: 3.76% Secondary Shares at 0.25% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Warsaw, 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 Warsaw, Indiana (IN) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Warsaw, Indiana and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Warsaw, Indiana & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2514 E Center St, Warsaw, IN 46580
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%
2514 E Center St, Warsaw, IN 46580
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%
2514 E Center St, Warsaw, IN 46580
Ownership Share and Business Ownership Share
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
433 Anchorage Rd, Warsaw, IN 46580
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%
220 W Market St, Warsaw, IN 46580
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
202 E Center St, Warsaw, IN 46580
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%
202 E Center St, Warsaw, IN 46580
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

Via Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1911 Plaza Dr, Warsaw, IN 46580
Secondary Shares
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Via Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1911 Plaza Dr, Warsaw, IN 46580
Membership Shares
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
202 E Center St, Warsaw, IN 46580
Rewards Savings
0.16%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 27, 2026
Details

Rewards Checking account required

Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2514 E Center St, Warsaw, IN 46580
Savings Plus, Business Savings Plus, HSA and IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Health Savings Account
0.10%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Health Savings
0.10%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Statement Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Health Savings
0.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Health Savings Account
0.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Campbell & Fetter Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2926 Frontage Rd, Warsaw, IN 46580
Youth Savings Account
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
220 W Market St, Warsaw, IN 46580
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
220 W Market St, Warsaw, IN 46580
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Lake City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
202 E Center St, Warsaw, IN 46580
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%
219 W Market St, Warsaw, IN 46580
Statement Savings
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2514 E Center St, Warsaw, IN 46580
Ownership Share and Business Ownership Share
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

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 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

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
Business 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
Share 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
High Interest 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
Business & Public Funds Premium 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

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

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

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

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

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

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

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!

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.

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

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

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 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
1110 N Main St, Goshen, IN 46528 2638
Relationship savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifications Required: personal checking account; debit card; Qualifying balance up to $5,000.00

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 27, 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

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

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.

Warsaw, IN Savings Rate Trends

Compare local Warsaw, 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.

View Full Indiana Savings Trends →
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 Warsaw, 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 Warsaw, 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 Warsaw, 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 Warsaw, 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 Warsaw, 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 Warsaw, 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 Warsaw, Indiana?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Warsaw, Indiana offer in-person customer service, which some customers prefer.

How do I open a savings account in Warsaw, 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 Warsaw, Indiana

Here are recent savings rates observed in Warsaw, Indiana and the surrounding area:
  • Beacon Credit Union
    Business Ownership Share — 6.00% APY
  • 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
  • Via Credit Union
    Secondary Shares — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Warsaw, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026