Goodyear, Arizona Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Goodyear, Arizona savings account rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Goodyear, Arizona and the surrounding area include WaFd BankWaFd Bank1744 N Litchfield Rd, Goodyear, AZ 85395A+5.0 ★Texas Ratio: 4.48%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 22, 2026 Personal Start Savings Account at 5.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union15725 W McDowell Rd, Goodyear, AZ 85395A5.0 ★Texas Ratio: 8.33%Real return: +0.80%APY minus 3.7% CPIRate verified Oct 19, 2026 Business Dedicated Savings at 4.50% APY, US BankUS Bank16380 W Yuma Rd, Goodyear, AZ 85338A+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Bank Smartly Savings Account at 3.50% APY, Wells FargoWells Fargo13470 W Van Buren St, Goodyear, AZ 85338A+5.0 ★Texas Ratio: 5.36%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 20, 2026 Platinum Savings - New Savings Customers at 3.25% APY, and Navy Federal Credit UnionNavy Federal Credit Union15420 W McDowell Rd, Goodyear, AZ 85395A5.0 ★Texas Ratio: 8.14%Real return: -1.55%APY minus 3.7% CPIRate verified Oct 20, 2026 Jumbo Money Market Savings Account (MMSA) at 2.15% APY.
Goodyear has 45 local institutions in our database, with savings rates as high as 5.00% APY from WaFd Bank at 1744 N Litchfield Rd, Goodyear, AZ 85395. Use the table below to compare all available offers, including options from institutions serving the broader Arizona area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Goodyear, Arizona and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Goodyear, Arizona & Surrounding Communities
Balance: $0 - $500; Open Online; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open
Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Balance: $1,000,000 and over
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $250,000 - $999,999.99
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $100,000 - $249,999.99
Balance: $1,000,000 and over; Savings & IRA
Balance: $50,000 - $99,999.99
Balance: $500,000 - $999,999; Savings & IRA
Balance: $25,000 - $49,999.99
Balance: $250,000 - $499,999; Savings & IRA
Balance: $100,000 - $249,999; Savings & IRA
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $10,000 - $24,999.99
Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $5,000 - $9,999.99
Balance: $10 +; No monthly service charge; Open Online
Balance: $10 +; Savings account for minors, managed by an adult; Open Online; No monthly service charge
Balance: $2,500 - $9,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $0.01 - $4,999.99
Compounded & Credited: Monthly
Balance: $0 - $99,999; Savings & IRA
Compounded & Credited: Monthly; Fees may reduce earnings
Balance: $100 +; Open Online; $100 minimum to earn interest; $100 minimum balance to waive $3 monthly service charge
Balance: $100 Plus; $100 minimum to earn interest; $100 minimum balance to waive $10 monthly service charge; Open Online
$5 minimum to earn dividends
As High As; Homepage featured rate
Balance: $0 or more; Relationship rate when linked to Premier Checking or Checking; Bay Area CA counties only
Open Online
Balance: $0 or more; Relationship rate when linked to Prime Checking or Checking; Bay Area CA counties only
Balance: $0 or more; Avoid $12 monthly fee with $3,500 minimum daily balance; Bay Area CA counties only
Balance: $0 or more; Bay Area CA counties only
Balance: Any; Variable rate account; Service Charge of $4.99 if balance falls below $100 any day of statement cycle
Balance: $0.01 - $1,000.00; Promotional rate; Product exclusively for members under 18 years old; Upon turning 18 converts to a Club Account; Account must be opened by appointment at a branch location
Balance: Up to $25,000; New members only
- Oct 14, 20264.50%▲ from 4.41%
- Oct 7, 20264.41%▲ from 0.10%
- Sep 18, 20260.10%▼ from 4.41%
- Sep 15, 20264.41%first recorded
Balance: All Balances; Interest compounded daily; No monthly fee; Online account opening
Daily balance method; Interest paid quarterly
Daily balance method; Interest paid quarterly
Promotional APY for the first 180 days on balances greater than or equal to $10,000; balances at or below $9,999.99 earn the non-promotional rate; new money required; personal accounts only; early account closure fee may apply within 180 days
- Oct 14, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $500,000 and over
Balance Optimizer; Balance: above $5,000,000
Balance: $1,000,000.01 and over; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
Balance: above $5,000,000; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM card for sole proprietors only
Balance: $0.01 - $9,999.99; Tiered savings account (High-Yield Savings Account)
- Oct 9, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Balance: $0.01 and over earns advertised APY; no account fees; FDIC insured up to $250,000 per account owner; individual or joint account; funded by linking an existing checking or savings account; online opening only
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Early withdrawal penalties apply; Business accounts must be opened by Alero Financial staff
Balance: >$1,000,000; Fee $15; Daily balance of $1,500 required to earn interest
Minimum Balance to earn interest: $50.00; Payment Frequency: Monthly; Annual Percentage Yield (APY) is variable and may change monthly.
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Interest is compounded daily; No monthly fee; $5 monthly fee if you receive paper statements; Rates effective as of 10/16/2026; Fees may reduce earnings on the account
Balance: $0.00 - $1,000,000.00; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM surcharge rebate up to $10 per month
Balance: $400k - $999,999.99; Fee $15; Daily balance of $1,500 required to earn interest
Balance: $25,000.00 - $99,999.99; Payment Frequency: Monthly; Interest paid on entire balance in account
Personal and Commercial; FDIC insured up to $250,000; Available in-branch only; In-Branch Only
Balance: $500,000 or more; Rates accurate as of 10/1/2026
Balance: $0.00 - $5,000,000.00; Monthly maintenance fee $5; Average daily balance to avoid fee $4,000; ATM card for sole proprietors only
Balance: $25,000 - $99,999.99
- Oct 20, 20262.90%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: Any balance
Balance: $100k - $399,999.99; Fee $15; Daily balance of $1,500 required to earn interest
Balance: $100,000 - $499,999.99; Rates accurate as of 10/1/2026
Balance: $100 minimum; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; In-Branch Only
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.
Goodyear, AZ Savings Rate Trends
Compare local Goodyear, AZ 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.
Arizona high-yield savings rates rose 0.019 points over the past 7 days to 2.786% APY, up from 2.768%.
Arizona standard savings rates rose 0.007 points over the past 7 days to 0.574% APY, up from 0.568%.
Goodyear, Arizona Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current AZ 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 AZ high-yield savings average of 2.786% 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 Goodyear, Arizona.
Savings Account Earnings in Goodyear, Arizona
Annual interest earnings at current AZ average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.786% APY) | Monthly Earnings | Standard Savings (0.574% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $139.32 / year | $11.61 | $28.71 / year | $2.39 |
| $10,000 | $278.63 / year | $23.22 | $57.41 / year | $4.78 |
| $25,000 | $696.58 / year | $58.05 | $143.53 / year | $11.96 |
| $50,000 | $1,393.15 / year | $116.10 | $287.05 / year | $23.92 |
| 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: Goodyear, Arizona savings rate averages as of October 25, 2026. | ||||
About Our Goodyear, Arizona Savings Rate Database
MonitorBankRates found 9 institutions with branches in Goodyear (4 banks, 5 credit unions), plus 17 additional state-chartered and national online institutions available to Goodyear residents. 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 Goodyear, Arizona.
How to Find the Best Savings Rates in Goodyear, Arizona
What to compare when shopping for a savings account in Goodyear, Arizona
To find the best savings APYs in Goodyear, Arizona, start with credit unions and online-only banks: Goodyear, Arizona has 10 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 AZ high-yield savings average is 2.786% 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. Goodyear, Arizona high-yield savings rates currently average 2.786% 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 Goodyear, Arizona institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Goodyear, Arizona report savings rates to our database.
- You’re among Goodyear, Arizona’s 18.9% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Goodyear, Arizona CD rates
- You want check-writing flexibility Goodyear, Arizona money market rates
- You need daily transaction access Goodyear, Arizona checking rates
Arizona Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
18.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s AZ high-yield savings average of 2.786%, saving 10% of the local median salary ($4,547/year) would earn an additional $127 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Goodyear, Arizona Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Goodyear, Arizona.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current AZ Avg APY | 2.786% | 0.574% | 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 Goodyear, Arizona averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Goodyear, Arizona
At AZ’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 Goodyear, Arizona earner is roughly $11,400. At 2.786% APY, saving $950/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsArizona’s high-yield savings average is 2.786% 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 Goodyear, Arizona earner makes $45,474/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.786% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.786% APY grows to roughly $43,316 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 Goodyear, Arizona 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 Goodyear, Arizona 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 Goodyear, Arizona. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AZ.
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 Goodyear, Arizona
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Goodyear, Arizona safe?
How often do savings rates change in Goodyear, Arizona?
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 Goodyear, Arizona?
How do I open a savings account in Goodyear, Arizona?
Best Savings Rates in Goodyear, Arizona
- WaFd Bank
Personal Start Savings Account: 5.00% APY - America First Federal Credit Union
Business Dedicated Savings: 4.50% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Wells Fargo
Platinum Savings - New Savings Customers: 3.25% APY - Navy Federal Credit Union
Jumbo Money Market Savings Account (MMSA): 2.15% APY
Goodyear, Arizona Rates & Resources
