Nevada Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Nevada savings account rates range from 0.06% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Nevada include WaFd BankWaFd Bank940 W Williams Ave, Fallon, NV 89406A+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union7985 W Sahara Ave Ste 101, Las Vegas, NV 89117A-5.0 ★Texas Ratio: 14.54%Real return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union590 W Mesquite Blvd, Mesquite, NV 89027A5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus 2.8% CPI (February 2026) Business Dedicated Savings at 4.50% APY, Credit One Bank, N.A.Credit One Bank, N.A.6801 S Cimarron Rd, Las Vegas, NV 89113A5.0 ★Texas Ratio: 9.51%Real return: +1.25%APY minus 2.8% CPI (February 2026) High Yield Jumbo Savings at 4.05% APY, and UFB DirectUFB Direct9205 W Russell Rd, Las Vegas, NV 89148A+5.0 ★Texas Ratio: 3.94%Real return: +1.21%APY minus 2.8% CPI (February 2026) Portfolio Savings at 4.01% APY.
Use the tables below to compare savings rates across Nevada side-by-side. Nevada savings rates currently reach as high as 5.00% APY from WaFd Bank at 940 W Williams Ave, Fallon, NV 89406. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Nevada and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in Nevada
Balance: $0 - $500. Checking account required to open
Balance: $1.00 - $2,500.00
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Savings that pay off big - with easy access to your money when you need it. $100,000 minimum balance required to open and to earn stated APY. No maintenance fees. Earn Loyalty Rates when you have both a CD and a Savings account with Credit One Bank. Enjoy flexibility with unlimited transfers to and from your account.
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Limited-time boost applies for up to 6 months after you open your account. Offer ends 10/31/26.
- Oct 10, 20264.01%▲ from 3.26%
- Oct 6, 20263.26%first recorded
Simple, high-yield savings earning up to 4.01% APY for up to 6 months.
- Oct 6, 20264.01%▲ from 3.75%
- Sep 30, 20263.75%first recorded
All Balances
Promotional APY. Balances at or below $9,999.99 do not qualify for this promotional rate and are subject to the current non-promotional interest rate applicable to this account type. At the end of the 180-day promotional period, the interest rate and APY will revert to the then-posted non-promotional rate(s) applicable to this account type. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. To qualify, you must be a new personal savings client of Flagstar Bank and open a Flagstar Ready Savings account. You must make an initial minimum opening deposit of at least $1.00. To qualify for the promotional rate, you must deposit additional funds, to maintain a balance greater than or equal to $10,000 is required and must be "new money," which is defined as money that is not currently on deposit in any Flagstar Bank account; money moved from any Flagstar Bank affiliate or subsidiary account or funded from a Flagstar/affiliate loan or line of credit does not qualify. For purposes of this offer, funds from maturing certificate of deposit accounts held at Flagstar Bank will be considered eligible. The account must remain open for the full 180-day promotional period. This offer is limited to one promotion per household. If any signer on this account has previously received a savings promotion from Flagstar Bank, you are ineligible for this offer. This offer cannot be combined with any other offers or promotions. An early account closure fee may be imposed for accounts closed within 180 days. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee eligibility. All account applications are subject to our normal approval process. Personal accounts only. Area restrictions may apply.
- Oct 6, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Qualifications Required; Balance: <= $25,000
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Monthly transfer of $10 minimum from checking, share savings, money market, or student savings; not available for bump-rate or flexible certificates; limit $100,000 combined Dedicated Savings and Flexible Certificate Accounts; $10 minimum balance after any withdrawal unless closed
Limited-time promotional rate on all balances for up to 6 months. Use promo code BOOST41.
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
The annual percentage yield (APY) is accurate as of January 8, 2026 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $250,000 - $999,999.99
- Oct 9, 20263.45%▲ from 2.70%
- Sep 29, 20262.70%first recorded
All Balances
Balance: $0-$9,999.99
- Oct 4, 20263.00%▲ from 0.50%
- Sep 25, 20260.50%first recorded
Balance: $100,000 - $249,999.99
Balance: $500.01 - $1000. Checking account required to open
Balance: $1,000,000 and over
Balance: $50,000 - $99,999.99
IRA account; dividend period monthly
Qualifications Required; Balance: $25,000.01 - $50,000
Balance: $500,000 - $999,999
Balance: On balances above $25,000 and up to $50,000
Balance: $25,000 - $49,999.99
Balance: $250,000 - $499,999
Grow your future with a smart, stress-free High Yield Savings .
Balance: $100,000.00 & above
Balance: $100,000 - $249,999
Balance: $50,000 and over
Higher rates than most accounts, with a $2,500 min. deposit
Balance: On balances up to $25,000
Balance: $10,000 - $24,999.99
Balance: $100,000+; Tiered Maximum:
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: Over $100,000; Page labels this rate as APR; Rates are subject to change without notice
- Oct 13, 20261.10%▲ from 0.80%
- Oct 9, 20260.80%▼ from 1.10%
- Sep 14, 20261.10%first recorded
Balance: $5,000 - $9,999.99
Balance: $10,000.00 and up
Monthly auto charge from an FNB account to holiday account is required. A holiday check or direct deposit to an FNB account are issued on the first business day of November. If you close your account prior to interest being paid, accrued interest will not be paid. Interest is accrued daily on the entire ledger balance in the account and is paid annually on the last business day of October. The interest rate is subject to change at any time after having been posted for 45 days in the lobby of the Bank.
Balance: up to $9,999.99
Interest is paid semi-annually on the last business day of April and October. The interest rate is determined by, and can be changed by, the Board of Directors. When there is a change in the interest rate, the rate is posted in the lobby of the bank for 45 days before the change takes effect. Interest is calculated on the daily balance of the account every day. We do not mail a savings statement to our customers - the accounts are pass book only. There is an early closing penalty of $20.00 if the account is closed within 90 days of opening. We may charge a $1.00 fee for every withdrawal in excess of 6 in a six month period. Accrued interest is paid less a $10.00 penalty if the account is closed in between interest payment dates. You may not exceed six (6) ACH or electronic preauthorized transfers per calendar month. If you exceed these regulated transaction limits you may be assessed an excessive transaction fee for each excess transaction during a calendar month and the account must be closed and/or converted to a checking account.
- Oct 6, 20260.25%▼ from 3.75%
- Sep 24, 20263.75%first recorded
Balance: $50,000 and up with E-Option
Balance: $25,000 - $49,999 with E-Option
$100 minimum balance to waive $10 monthly service charge
Balance: $1000 +. Checking account required to open
Balance: $5,000 - $24,999 with E-Option
Balance: $1,000,000 +
Balance: $1,000,000 +
Balance: $100,000 - 999,999
Balance: $100,000 - 999,999
Balance: $50,000 - 99,999
Balance: $25,000 - $49,999
Balance: $50,000 - 99,999
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.
Nevada Savings Rate Trends
Compare local Nevada savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Nevada high-yield savings rates fell 0.004 points over the past 7 days to 2.094% APY, down from 2.098%.
Nevada standard savings rates rose 0.089 points over the past 7 days to 0.932% APY, up from 0.844%.
Nevada Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NV high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NV high-yield savings average of 2.094% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Nevada.
Savings Account Earnings in Nevada
Annual interest earnings at current NV average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.094% APY) | Monthly Earnings | Standard Savings (0.932% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $104.72 / year | $8.73 | $46.62 / year | $3.89 |
| $10,000 | $209.43 / year | $17.45 | $93.23 / year | $7.77 |
| $25,000 | $523.58 / year | $43.63 | $233.08 / year | $19.42 |
| $50,000 | $1,047.15 / year | $87.26 | $466.15 / year | $38.85 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Nevada savings rate averages as of October 13, 2026. | ||||
About Our Nevada Savings Rate Database
MonitorBankRates tracks 107 savings rates from 13 banks and 12 credit unions offering savings accounts to Nevada residents, including community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: WaFd Bank offers a savings account at 5.00% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Nevada.
How to Find the Best Savings Rates in Nevada
What to compare when shopping for a savings account in Nevada
To find the best savings APYs in Nevada, start with credit unions and online-only banks: Nevada has 12 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current NV high-yield savings average is 2.094% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Nevada high-yield savings rates currently average 2.094% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Nevada institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Nevada report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Nevada CD rates
- You want check-writing flexibility Nevada money market rates
- You need daily transaction access Nevada checking rates
Nevada Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.0% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s NV high-yield savings average of 2.094%, saving 10% of the local median salary ($4,301/year) would earn an additional $90 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Nevada Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Nevada.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NV Avg APY | 2.094% | 0.932% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Nevada averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Nevada
At NV’s top rate of 5.00% from WaFd Bank, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Nevada earner is roughly $10,800. At 2.094% APY, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNevada’s high-yield savings average is 2.094% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Nevada earner makes $43,016/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.094% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.094% APY grows to roughly $37,842 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Nevada savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Nevada 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 Nevada. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NV.
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 Nevada
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Nevada safe?
How often do savings rates change in Nevada?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Nevada?
How do I open a savings account in Nevada?
Best Savings Rates in Nevada
- WaFd Bank
Start Savings: 5.00% APY - UNIFY Financial Federal Credit Union
High Interest Savings: 5.00% APY - America First Federal Credit Union
Business Dedicated Savings: 4.50% APY - Credit One Bank, N.A.
High Yield Jumbo Savings: 4.05% APY - UFB Direct
Portfolio Savings: 4.01% APY
Cities in Nevada
