Russellville, Arkansas Savings Rates - October 2026
Brian McKay
Brian McKay
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Russellville, Arkansas savings account rates range from 0.05% to 7.00% APY, verified by MonitorBankRates as of October 20, 2026. The best savings rates for Russellville, Arkansas and the surrounding area include FsnbFsnb2409 E Main St, Russellville, AR 72802A+5.0 ★Texas Ratio: 4.08%Real return: +4.20%APY minus 2.8% CPI (February 2026) Cents-able Savings at 7.00% APY, Diamond BankDiamond Bank2209 E Parkway Dr, Russellville, AR 72802A5.0 ★Texas Ratio: 6.14%Real return: +1.26%APY minus 2.8% CPI (February 2026) Bling! Savings at 4.06% APY, Telcoe Federal Credit UnionTelcoe Federal Credit Union1714 E Main St, Russellville, AR 72801A+5.0 ★Texas Ratio: 0.18%Real return: +0.40%APY minus 2.8% CPI (February 2026) IRA Variable Share Account at 3.20% APY, Riverland Federal Credit UnionRiverland Federal Credit Union1448 AR 333, Russellville, AR 72802A+5.0 ★Texas Ratio: 2.72%Real return: +0.20%APY minus 2.8% CPI (February 2026) High-Yield Savings at 3.00% APY, and Priority Federal Credit UnionPriority Federal Credit Union430 N Hampton Ave, Russellville, AR 72802A+5.0 ★Texas Ratio: 1.61%Real return: -2.70%APY minus 2.8% CPI (February 2026) Share Draft Checking Millennium at 0.10% APY.
Russellville has 23 local institutions in our database, with savings rates as high as 7.00% APY from Fsnb at 2409 E Main St, Russellville, AR 72802. Use the table below to compare all available offers, including options from institutions serving the broader Arkansas area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Russellville, Arkansas and the surrounding area. Last Updated and Verified: October 20, 2026
Compare the Best Savings Rates in Russellville, Arkansas & Surrounding Communities
Balances up to $5,000.00 receive a rate of 4.00% with an annual percentage yield of 4.06%. Portion of the Balances over $5,000.00 receive a rate of .15% resulting in an APY range of 4.06% to 1.13% depending on the balance. Limit One Bling! Savings account per minor.
Balance: $500,000 & Up
- Oct 5, 20263.20%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $100,000 - $499,999
- Oct 5, 20263.05%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Balance: $0 minimum; Rates as of 10/18/2026
Balance: $50,000 - $99,999
- Oct 5, 20262.79%▲ from 2.78%
- Sep 14, 20262.78%first recorded
Balance: $10,000 - $49,999
- Oct 5, 20262.52%▲ from 2.38%
- Sep 14, 20262.38%first recorded
Balance: $2,500 - $9,999
Balances $50,000.00 or more; Tier Three
Balance: $10,000 minimum; Rates as of 10/18/2026
Balances $5,000.00 to $49,999.99; Tier Two
Balance: $1,000 minimum; Rates as of 10/18/2026
Balance: $501 - $49,999
Balances less than $5,000.00; Tier One
Qualifications Required: Enroll & Receive eStatements; Balances up to $100,000; Enroll & Receive eStatements
Balance: $501 - $49,999
Minimum: $1000
Balance: $0.00 - $2,499
Balance: $5.00 - $500
Balance: $5.00 - $500
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
Variable APY; No monthly service fee
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $250,000 - $5,000,000.00; Tier 4; No interest paid on balances over $5,000,000.00; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Qualifications Required; Qualifying balance up to $30,000.00 (3.00% APY); balances over $30,000.00 earn 0.50%; if monthly qualifications are not met, 0.05% on entire balance; linked to Priority Checking and cannot be opened without it; $15 fee for each transfer over 6 per month; Monthly Service Charge: n/a
Projected Dividend Date: 12/31/2026; Dividend Credited/Compounded: Quarterly
- Oct 4, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $100,000 - $249,999.99; Tier 3; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $100,000 and up
Balance: $25,000 and over
Balance: $50,000-$99,999.99
Club paid via Direct Deposit; Variable rate interest credited annually; Rates effective as of 10/14/2025; No minimum balance fee; Withdrawal Limits - 1 FREE debit transaction, $5.00 each additional
Balance: $50,000.00 - $99,999.99; Tier 2; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $10,000-$49,999.99
Balance: $15,000 to $24,999.99
Rates as of 10/1/26; Variable-rate account; rates may change after the account is opened
Balance: $10,000 to $14,999.99
Balance: above $25,000 and up to $50,000
Balance: $0.00 - $49,999.99; Tier 1; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $2,500-$9,999.99
Qualifications Required; Balance: $0.00 - $25,000.00; Requires Rewards Checking account; Qualifications Met
Balance: up to $25,000
Balance: $25.00 minimum to earn dividend
Balance: $100,000 and up
Balance: $50,000 - $99,999.99
Balance: $100.00 to $9,999.99
Balance: $1 million and over; Tiered rates, APY*
Balance: 0 - $50,000
Qualifications Required; Balance: $0.00 - $10,000.00; Upgraded APY with an active checking account (examples: direct deposit or debit card); Base rate without active checking is 0.20% APY; Monthly $5 service fee unless $1,500+ minimum or electronic statements; Promotion available for a limited time, new deposits only; Variable rate account
- Oct 20, 20260.75%▲ from 0.20%
- Oct 14, 20260.20%first recorded
Balance: $500,000 to $999,999; Tiered rates, APY*
Club paid via Check; Variable rate interest credited annually; Rates effective as of 10/14/2025; No minimum balance fee; Withdrawal Limits - 1 FREE debit transaction, $5.00 each additional
- Oct 20, 20260.50%▼ from 2.50%
- Sep 19, 20262.50%first recorded
Monthly service charge $5, waived with $300 minimum daily balance; up to 6 transfers each month, $15 fee per additional transfer
Balance: $250,000 to $499,999; Tiered rates, APY*
Requires an adult joint owner; for ages 14-17; Monthly service charge: n/a; up to 6 transfers each month, $15 fee per additional transfer
Balance: 0 to $10,000
Balance: $0.01 minimum to earn interest; Monthly service charge $5, waived with $300 minimum daily balance; Account allowed up to 6 transfers each month, $15 fee per additional transfer
- Oct 20, 20260.40%▼ from 0.50%
- Sep 11, 20260.50%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
Balance: $250 daily balance avoids $5 quarterly service charge; Interest compounded daily and posted quarterly; APY effective 9/28/26, variable and subject to change; Quarterly service charge refunded when linked to Essential Checking or Advantage Checking
$5 opening deposit required
Interest Rate and APY as published on savings rates table; Minimum Balance required to earn the APY
Interest Rate and APY as published on savings rates table; Minimum Balance required to earn the APY
APY variable and subject to change
Balance: $0.01 to $249,999; Tiered rates, APY*
$10 fee per statement cycle if daily balance falls below $100; APY as of 12/19/2024
Balance: $50,000 - $99,999
Balance: $0 - $24,999
$50 opening deposit required
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.
Russellville, AR Savings Rate Trends
Compare local Russellville, 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 0.109 points over the past 7 days to 2.361% APY, up from 2.252%.
Arkansas standard savings rates fell 0.045 points over the past 7 days to 0.352% APY, down from 0.397%.
Russellville, 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 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 AR high-yield savings average of 2.361% 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 Russellville, Arkansas.
Savings Account Earnings in Russellville, 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 (2.361% APY) | Monthly Earnings | Standard Savings (0.352% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $118.07 / year | $9.84 | $17.62 / year | $1.47 |
| $10,000 | $236.13 / year | $19.68 | $35.23 / year | $2.94 |
| $25,000 | $590.32 / year | $49.19 | $88.08 / year | $7.34 |
| $50,000 | $1,180.65 / year | $98.39 | $176.15 / year | $14.68 |
| 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: Russellville, Arkansas savings rate averages as of October 20, 2026. | ||||
About Our Russellville, Arkansas Savings Rate Database
MonitorBankRates found 5 institutions with branches in Russellville (2 banks, 3 credit unions), plus 24 additional state-chartered and national online institutions available to Russellville 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: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Russellville, Arkansas.
How to Find the Best Savings Rates in Russellville, Arkansas
What to compare when shopping for a savings account in Russellville, Arkansas
To find the best savings APYs in Russellville, Arkansas, start with credit unions and online-only banks: Russellville, Arkansas has 13 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 2.361% but top local institutions are offering as high as 7.00%, 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. Russellville, Arkansas high-yield savings rates currently average 2.361% 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 Russellville, Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 29 institutions in Russellville, 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 Russellville, Arkansas CD rates
- You want check-writing flexibility Russellville, Arkansas money market rates
- You need daily transaction access Russellville, Arkansas checking rates
Russellville, Arkansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
12.7% of residents are 65 or older, below the national average of 17.3%. At today’s AR high-yield savings average of 2.361%, saving 10% of the local median salary ($2,848/year) would earn an additional $67 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Russellville, Arkansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Russellville, Arkansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 2.361% | 0.352% | 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 Russellville, Arkansas averages tracked in our database as of October 20, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Russellville, Arkansas
At AR’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Russellville, Arkansas earner is roughly $7,100. At 2.361% APY, saving $590/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 2.361% 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 Russellville, Arkansas earner makes $28,485/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.361% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.361% APY grows to roughly $39,871 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 Russellville, Arkansas 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 Russellville, 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 Russellville, 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 Russellville, Arkansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Russellville, Arkansas safe?
How often do savings rates change in Russellville, 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 Russellville, Arkansas?
How do I open a savings account in Russellville, Arkansas?
Best Savings Rates in Russellville, Arkansas
- Fsnb
Cents-able Savings: 7.00% APY - Diamond Bank
Bling! Savings: 4.06% APY - Telcoe Federal Credit Union
IRA Variable Share Account: 3.20% APY - Riverland Federal Credit Union
High-Yield Savings: 3.00% APY - Priority Federal Credit Union
Share Draft Checking Millennium: 0.10% APY
Russellville, Arkansas Rates & Resources
