Bentonville, Arkansas (AR) Savings Rates - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Bentonville, Arkansas and the surrounding area include First HorizonFirst Horizon706 S Walton Blvd, Bentonville, AR 72712A+5.0 ★Texas Ratio: 5.08%Real return: -2.05%APY minus 2.8% CPI (February 2026) TotalView Money Market Savings at 0.75% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union2905 S Walton Blvd, Bentonville, AR 72712B4.4 ★Texas Ratio: 21.76%Real return: -2.50%APY minus 2.8% CPI (February 2026) IRA Savings Account (Traditional, Roth and Coverdell) at 0.30% APY, FsnbFsnbA5.0 ★Texas Ratio: 12.00%Real return: +4.20%APY minus 2.8% CPI (February 2026) Cents-able Savings at 7.00% APY, Stone BankStone BankA-5.0 ★Texas Ratio: 14.51%Real return: +0.70%APY minus 2.8% CPI (February 2026) Fortress Savings at 3.50% APY, and Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.42%Real return: +0.55%APY minus 2.8% CPI (February 2026) Savings at 3.35% APY.
Bentonville has 10 local institutions in our database, with savings rates as high as 0.75% APY from First Horizon at 706 S Walton Blvd, Bentonville, AR 72712. Use the table below to compare all available offers, including options from institutions serving the broader Arkansas area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Bentonville, Arkansas and the surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Savings Rates in Bentonville, Arkansas & Surrounding Communities
2,4
2,4
Personal Savings • Anytime Access • No minimum Deposit
variable APY
Rates as high as...
($0 Opening Balance)
On balances above $25,000 and up to $50,000
On balances up to $25,000
A Prime Checking account is required in order to open a Prime Savings account.
Prime Business Savings, when coupled with your Prime Business Checking account, is a fast and easy way to build up your savings account. This account is available to sole proprietorships and non-profit organizations only.
Qualifying balance up to $100,000
Qualifying balance up to $99,999.99
Qualifying balance up to $49,999.99
Balance $1.00 and above
0.75% APY for up to $10,000. Variable rate account. Rates subject to change at our discretion and at a frequency determined by us. Minimum of $25.00 to open. A maximum of six preauthorized, automatic, or telephonic withdrawals or transfers per month are allowed. Fees may apply and could reduce earnings on account. Refer to Truth-in-Savings disclosure for complete details. Promotion available for a limited time only. New deposits only.
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
Qualifying balance up to $4,999.99
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25
Qualifying balance up to $100,000; Qualifications Required
($1,000 Minimum)
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; When linked to Premier Checking
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.
Bentonville, AR Savings Rate Trends
Compare local Bentonville, AR 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.
Arkansas high-yield savings rates rose 0.042 points over the past 7 days to 2.043% APY, up from 2.001%.
Arkansas standard savings rates fell 0.029 points over the past 7 days to 0.700% APY, down from 0.728%.
Bentonville, Arkansas Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current AR high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
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 AR high-yield savings average of 2.043% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 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 Bentonville, Arkansas.
Savings Account Earnings in Bentonville, Arkansas
Annual interest earnings at current AR average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.043% APY) | Monthly Earnings | Standard Savings (0.700% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $102.15 / year | $8.51 | $34.99 / year | $2.92 |
| $10,000 | $204.29 / year | $17.02 | $69.97 / year | $5.83 |
| $25,000 | $510.73 / year | $42.56 | $174.93 / year | $14.58 |
| $50,000 | $1,021.45 / year | $85.12 | $349.85 / year | $29.15 |
| 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: Bentonville, Arkansas savings rate averages as of May 13, 2026. | ||||
About Our Bentonville, Arkansas Savings Rate Database
MonitorBankRates found 2 institutions with branches in Bentonville (1 bank, 1 credit union), plus 19 additional state-chartered and national online institutions available to Bentonville 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 (1–5), 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: First Horizon offers a savings account at 0.75% APY. Use the rate table above to compare all current offers in Bentonville, Arkansas.
How to Find the Best Savings Rates in Bentonville, Arkansas
What to compare when shopping for a savings account in Bentonville, Arkansas
To find the best savings APYs in Bentonville, Arkansas, start with credit unions and online-only banks — Bentonville, Arkansas 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 AR high-yield savings average is 2.043% — use the table above to find the best available offer.
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 3–6 months of expenses in a liquid, FDIC-insured account. Bentonville, Arkansas high-yield savings rates currently average 2.043% APY — far above a typical checking account.
- Short-term savings goals (6–24 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 Bentonville, Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 21 institutions in Bentonville, Arkansas 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 → Bentonville, Arkansas CD rates
- You want check-writing flexibility → Bentonville, Arkansas money market rates
- You need daily transaction access → Bentonville, Arkansas checking rates
Bentonville, Arkansas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
8.3% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.1% reflects a strong local economy with solid savings capacity. At today’s AR high-yield savings average of 2.043%, saving 10% of the local median salary ($6,179/year) would earn an additional $126 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Bentonville, Arkansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Bentonville, Arkansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 2.043% | 0.700% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Bentonville, Arkansas averages tracked in our database as of May 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Bentonville, Arkansas
At AR’s top rate of 0.75% from First Horizon, a $10,000 deposit earns $75 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Bentonville, Arkansas earner is roughly $15,400. At 2.043% APY, saving $1,290/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsArkansas’s high-yield savings average is 2.043% 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 Bentonville, Arkansas earner makes $61,794/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.043% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.043% APY grows to roughly $37,462 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Bentonville, Arkansas 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 Bentonville, Arkansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AR.
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 Bentonville, Arkansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Bentonville, Arkansas safe?
How often do savings rates change in Bentonville, Arkansas?
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 Bentonville, Arkansas?
How do I open a savings account in Bentonville, Arkansas?
Best Savings Rates in Bentonville, Arkansas
- First Horizon
TotalView Money Market Savings — 0.75% APY - UNIFY Financial Federal Credit Union
IRA Savings Account (Traditional, Roth and Coverdell) — 0.30% APY - Fsnb
Cents-able Savings — 7.00% APY - Stone Bank
Fortress Savings — 3.50% APY - Orion Federal Credit Union
Savings — 3.35% APY
