Angola, Indiana Savings Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best savings rates for Angola, Indiana and the surrounding area include Three Rivers Federal Credit UnionThree Rivers Federal Credit Union2998 Boyer Way, Angola, IN 46703A5.0 ★Texas Ratio: 5.81%Real return: +0.20%APY minus 2.8% CPI (February 2026) Livin' Free Savings at 3.00% APY, Midwest America Federal Credit UnionMidwest America Federal Credit Union1409 N Wayne St, Angola, IN 46703A+5.0 ★Texas Ratio: 3.67%Real return: +0.20%APY minus 2.8% CPI (February 2026) Youth Savings at 3.00% APY, Campbell & Fetter BankCampbell & Fetter Bank1440 N Wayne St, Angola, IN 46703A+5.0 ★Texas Ratio: 0.43%Real return: -0.27%APY minus 2.8% CPI (February 2026) Statement Savings at 2.53% APY, Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH2310 N Wayne St, Angola, IN 46703A5.0 ★Texas Ratio: 6.88%Real return: -1.34%APY minus 2.8% CPI (February 2026) DIRECT SAVINGS at 1.46% APY, and ProFed Federal Credit UnionProFed Federal Credit Union2410 N Wayne St, Angola, IN 46703 9111A+5.0 ★Texas Ratio: 1.63%Real return: -1.50%APY minus 2.8% CPI (February 2026) Money Market Plus Savings at 1.30% APY.
Angola has 51 local institutions in our database, with savings rates as high as 3.00% APY from Three Rivers Federal Credit Union at 2998 Boyer Way, Angola, IN 46703. Use the table below to compare all available offers, including options from institutions serving the broader Indiana area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Angola, Indiana and the surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Savings Rates in Angola, Indiana & Surrounding Communities
Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household.
Monthly
Average Balance $10,000 - over
Rates are variable and set by the Board of Directors on a monthly basis. Dividends are calculated on the daily balance, compounded monthly, and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Monthly maintenance fee is waived if ANY ONE of the following is true: You Receive eStatements; Your Standard Savings account maintains a minimum daily balance of at least $500.00; Your individual combined relationship has a minimum daily balance of at least $2,500.00; Your Standard Savings account is 60 days old or less; The primary owner is under the age 18; You are primary owner of an active 3Rivers consumer checking account. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Savings rates are variable and set by the Board of Directors on a monthly basis. Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
Average Balance $1,000 - $9,999.99
$5 minimum opening deposit required
$5 minimum opening deposit required. $5 minimum balance required after account opening. Minimum to earn dividends is $50
Minimum to earn dividends is $50
Dividend Distribution: Quarterly
Qualifying balance up to $1,000.00
Fees could reduce earnings on the account. APY - Annual Percentage Yield.
Rate subject to change after account opening. For new accounts. Fees may reduce earnings. Available in eligible markets only.
Limited time offer. Rates are subject to change without notice. Personal accounts only, no public, business, or brokered funds for this offer. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. Fees may reduce the earnings on the account.
3.09% with a daily balance of $1,000,000 or less; 3.64% with a daily balance above $1,000,000
Limited time offer. Rates are subject to change without notice. Personal accounts only, no public, business, or brokered funds for this offer. Interest is earned on balances greater than $0.00 and must be opened with money not currently on deposit at Horizon Bank. Fees may reduce the earnings on the account.
With Huntington Perks 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.
Angola, IN Savings Rate Trends
Compare local Angola, IN 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.
Indiana high-yield savings rates fell 1.107 points over the past 7 days to 1.522% APY, down from 2.629%.
Indiana standard savings rates fell 0.237 points over the past 7 days to 0.684% APY, down from 0.922%.
Angola, Indiana Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current IN 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 IN high-yield savings average of 1.522% 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 Angola, Indiana.
Savings Account Earnings in Angola, Indiana
Annual interest earnings at current IN average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.522% APY) | Monthly Earnings | Standard Savings (0.684% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $76.11 / year | $6.34 | $34.22 / year | $2.85 |
| $10,000 | $152.21 / year | $12.68 | $68.44 / year | $5.70 |
| $25,000 | $380.53 / year | $31.71 | $171.10 / year | $14.26 |
| $50,000 | $761.05 / year | $63.42 | $342.20 / year | $28.52 |
| 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: Angola, Indiana savings rate averages as of August 30, 2026. | ||||
About Our Angola, Indiana Savings Rate Database
MonitorBankRates found 8 institutions with branches in Angola (4 banks, 4 credit unions), plus 8 additional state-chartered and national online institutions available to Angola 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: Three Rivers Federal Credit Union offers a savings account at 3.00% APY. Use the rate table above to compare all current offers in Angola, Indiana.
How to Find the Best Savings Rates in Angola, Indiana
What to compare when shopping for a savings account in Angola, Indiana
To find the best savings APYs in Angola, Indiana, start with credit unions and online-only banks — Angola, Indiana has 4 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 IN high-yield savings average is 1.522% — but top local institutions are offering as high as 3.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Angola, Indiana high-yield savings rates currently average 1.522% 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 Angola, Indiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 16 institutions in Angola, Indiana 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 → Angola, Indiana CD rates
- You want check-writing flexibility → Angola, Indiana money market rates
- You need daily transaction access → Angola, Indiana checking rates
Angola, Indiana Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
16.0% of residents are 65 or older — below the national average of 17.3%. At today’s IN high-yield savings average of 1.522%, saving 10% of the local median salary ($2,096/year) would earn an additional $32 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Angola, Indiana Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Angola, Indiana.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 1.522% | 0.684% | 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 Angola, Indiana averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Angola, Indiana
At IN’s top rate of 3.00% from Three Rivers Federal Credit Union, a $10,000 deposit earns $300 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Angola, Indiana earner is roughly $5,200. At 1.522% APY, saving $440/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsIndiana’s high-yield savings average is 1.522% 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 Angola, Indiana earner makes $20,968/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 1.522% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.522% APY grows to roughly $33,818 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 Angola, Indiana 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 Angola, 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 Angola, 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 Angola, Indiana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Angola, Indiana safe?
How often do savings rates change in Angola, Indiana?
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 Angola, Indiana?
How do I open a savings account in Angola, Indiana?
Best Savings Rates in Angola, Indiana
- Three Rivers Federal Credit Union
Livin' Free Savings — 3.00% APY - Midwest America Federal Credit Union
Youth Savings — 3.00% APY - Campbell & Fetter Bank
Statement Savings — 2.53% APY - Farmers & Merchants State Bank Archbold, OH
DIRECT SAVINGS — 1.46% APY - ProFed Federal Credit Union
Money Market Plus Savings — 1.30% APY
Angola, Indiana Rates & Resources
