Plymouth, Indiana Savings Rates - October 2026
Brian McKay
Brian McKay
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Plymouth, Indiana savings account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 20, 2026. The best savings rates for Plymouth, Indiana and the surrounding area include Beacon Credit UnionBeacon Credit Union855 N Oak Dr, Plymouth, IN 46563A+5.0 ★Texas Ratio: 2.46%Real return: +3.20%APY minus 2.8% CPI (February 2026) Ownership Share at 6.00% APY, Communitywide Federal Credit UnionCommunitywide Federal Credit Union1420 W Jefferson St, Plymouth, IN 46563 1675A5.0 ★Texas Ratio: 10.15%Real return: +0.45%APY minus 2.8% CPI (February 2026) CW HiRate Savings at 3.25% APY, Everwise Credit UnionEverwise Credit Union201 Plymouth Goshen Trl, Plymouth, IN 46563 1252A5.0 ★Texas Ratio: 6.81%Real return: +0.20%APY minus 2.8% CPI (February 2026) Boost High-Yield Savings at 3.00% APY, Woodforest National BankWoodforest National Bank2505 N Oak Dr, Plymouth, IN 46563A-5.0 ★Texas Ratio: 14.96%Real return: -2.45%APY minus 2.8% CPI (February 2026) Personal Savings at 0.35% APY, and First FSB Rochester, INFirst FSB Rochester, IN2113 N Michigan St, Plymouth, IN 46563A5.0 ★Texas Ratio: 6.90%Real return: -2.65%APY minus 2.8% CPI (February 2026) Money Market Savings Accounts at 0.15% APY.
Plymouth has 27 local institutions in our database, with savings rates as high as 6.00% APY from Beacon Credit Union at 855 N Oak Dr, Plymouth, IN 46563. Use the table below to compare all available offers, including options from institutions serving the broader Indiana area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Plymouth, Indiana and the surrounding area. Last Updated and Verified: October 20, 2026
Compare the Best Savings Rates in Plymouth, Indiana & Surrounding Communities
APY as of 9/01/2026 if balance is above $5; promoted rate paid on entire balance when maintained at $5.01 and above; no interest on balances $5.00 and below; earn on Debit Card Round Up and Share Certificate dividends (excludes HSA and IRA); $5.00 monthly inactivity fee if no activity within previous 12 months; consumer accounts only
Balance: $0 and up; Min. Balance to Earn Dividends: $1.00; Dividends earned each: Day; Dividends paid at end of each: Month; No penalty withdrawal period: 1st 5 days of each month; Withdrawal penalty on amount: 15 days dividends
- Oct 14, 20263.25%▲ from 3.00%
- Sep 15, 20263.00%first recorded
Balance: $0 and up; Min. balance to earn dividends: $1.00; Dividends earned each Day, paid at end of each Month; No penalty withdrawal period: Any time; Withdrawal penalty on amount:
- Oct 2, 20263.25%▲ from 3.00%
- Sep 15, 20263.00%first recorded
Balance: No Minimum; dividends paid monthly if direct deposits totaling at least $2,000 go into a consumer checking account under the same membership during the prior dividend period; after the first two dividend periods, Boost Dividend Qualifications apply, otherwise 0.00% paid
Balance: $10,000.00 and over; a daily collected balance of $10,000 must be maintained to obtain the yield; Monthly minimum balance fee $3.00 if balance falls below $200 any day of the statement period; Interest compounded and credited quarterly
Over $10,000; Transaction limits: Limited
Over $10,000; Balance: $10,000 required to earn APY; Transaction Limits: Limited
- Oct 20, 20260.30%▼ from 0.35%
- Sep 14, 20260.35%first recorded
Balance: $0.00 - $9,999.99; Tiered rate: 0.20% if daily collected balance is less than $10,000; Monthly minimum balance fee $3.00 if balance falls below $200 any day of the statement period; Interest compounded and credited quarterly
Under $10,000; Transaction limits: Limited
Balance: $50,000 and over; Minimum deposit to open: Only $50
Balance: $25,000 - $49,999; Minimum deposit to open: Only $50
Balance: $10,000-$99,999.99
Balance: $10,000-$99,999.99
Interra is no longer opening new IRA share savings accounts (effective February 6, 2024)
Balance: $10,000 - $24,999; Minimum deposit to open: Only $50
Standard rate on balances under $5,000 (outside the bonus offer); rates for ZIP 06897
Under $10,000; Balance: $0.01 required to earn APY; Transaction Limits: Limited
- Oct 20, 20260.05%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Balance: $0 - $2,499; Minimum deposit to open: Only $50
Balance: $2,500-$9,999.99
Balance: $2,500-$9,999.99
Balance: Less than $10,000
Balance: Up to $1,000
Balance: Up to $1,000
Balance: $0 - $2,500
APY accurate as of March 30, 2026; Rate subject to change after account opening; No minimum balance requirement; No monthly service fees; Interest compounded and credited monthly; Available in eligible markets only
Balance: $10,000.00 and over; Promotional APY for the first 180 days after account opening; new money required; balances at or below $9,999.99 earn the non-promotional rate; 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: $15,000.00 and over; promotional APY for first 8 months with $15,000.00 minimum new money deposit; converts to non-promotional High Yield Savings tiers afterward; Federally insured by NCUA
- Sep 18, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
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
Homepage featured offer; Earn up to 3.75% APY
- Oct 3, 20263.58%▲ from 2.94%
- Sep 29, 20262.94%first recorded
Balance: $200,000 & 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 and over
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Balance: $0.00 - $249,999.99; Electronic statements; No monthly fee; Unlimited withdrawals
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000 and over
IRA Rates; Footnote 4: minimum initial deposit $1,000 for Traditional and Roth IRA Certificates, $500 for Educational IRA Certificates; Dividends are compounded daily and paid quarterly
- Oct 8, 20263.30%▲ from 3.05%
- Sep 16, 20263.05%first recorded
Balance: $100,000 - $199,999
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Rates effective as of Monday, October 19, 2026
Balance: $5,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Rates effective as of Monday, October 19, 2026
Business Saving Accounts
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
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: $25,000 - $99,999
Our uncapped, high-yield, savings account gives you the flexibility of a savings account without locking up your savings in a long-term investment!
Balances $25,000+
Balance: Up to $1,000
Available to members up to age 25; account converts to Standard Savings at age 26; limited to one per individual tax owner; variable rate set monthly by Board of Directors; dividends compounded monthly; balance tier not stated in source
Balance: Up to $1,000; Earn higher dividends on the first $1,000 in the account
Qualifications Required; Balance: $0-$100,000
Balance: $75,000 - $249,999.99
Balance: $0 to $500; Dividend Distribution: Monthly
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
Qualifications Required: personal checking account; debit card; minimum $10,000 total deposits with minimum $5,000 in Relationship Savings; Base rate, paid monthly, requires minimum average daily balance of $5,000 in the Relationship Savings account; additional relationship rate, paid monthly, applies if all additional requirements are met the previous month. Qualifications: personal checking account, debit card, and minimum of $10,000 (with minimum $5,000 in Relationship Savings) between all deposit accounts as of 12 a.m. on the first of the month. Offer limited to one account per personal tax ID. Rates current as of October 1, 2026.
- Oct 14, 20262.85%▲ from 2.75%
- Oct 12, 20262.75%▼ from 2.85%
- Oct 3, 20262.85%▲ from 2.75%
- Sep 20, 20262.75%first recorded
Balance: $250,000.00 and above; Qualifications Met
Balance: $15,000.00 - $24,999.99
Balance: $25,000.01 and over; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Balance: $5,000.00 - $2,000,000.99; Huntington Relationship Savings Account; APY range 2.40%-4.00% and rate range 2.38%-3.94% based on zip code; variable rate; minimum $5,000 new money to open
Balance: Over $250,000.00
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.
Plymouth, IN Savings Rate Trends
Compare local Plymouth, 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 rose 0.060 points over the past 7 days to 2.432% APY, up from 2.372%.
Indiana standard savings rates fell 0.036 points over the past 7 days to 0.334% APY, down from 0.370%.
Plymouth, 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 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 IN high-yield savings average of 2.432% 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 Plymouth, Indiana.
Savings Account Earnings in Plymouth, 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 (2.432% APY) | Monthly Earnings | Standard Savings (0.334% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $121.60 / year | $10.13 | $16.70 / year | $1.39 |
| $10,000 | $243.19 / year | $20.27 | $33.40 / year | $2.78 |
| $25,000 | $607.98 / year | $50.67 | $83.50 / year | $6.96 |
| $50,000 | $1,215.95 / year | $101.33 | $167.00 / year | $13.92 |
| 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: Plymouth, Indiana savings rate averages as of October 20, 2026. | ||||
About Our Plymouth, Indiana Savings Rate Database
MonitorBankRates found 7 institutions with branches in Plymouth (3 banks, 4 credit unions), plus 26 additional state-chartered and national online institutions available to Plymouth 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: Beacon Credit Union offers a savings account at 6.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Plymouth, Indiana.
How to Find the Best Savings Rates in Plymouth, Indiana
What to compare when shopping for a savings account in Plymouth, Indiana
To find the best savings APYs in Plymouth, Indiana, start with credit unions and online-only banks: Plymouth, Indiana has 16 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 2.432% but top local institutions are offering as high as 6.00%, 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. Plymouth, Indiana high-yield savings rates currently average 2.432% 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 Plymouth, Indiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 33 institutions in Plymouth, 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 Plymouth, Indiana CD rates
- You want check-writing flexibility Plymouth, Indiana money market rates
- You need daily transaction access Plymouth, Indiana checking rates
Plymouth, Indiana Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
16.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.4% reflects a strong local economy with solid savings capacity. At today’s IN high-yield savings average of 2.432%, saving 10% of the local median salary ($3,705/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 Plymouth, Indiana Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Plymouth, Indiana.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current IN Avg APY | 2.432% | 0.334% | 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 Plymouth, Indiana 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 Plymouth, Indiana
At IN’s top rate of 6.00% from Beacon Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Plymouth, Indiana earner is roughly $9,300. At 2.432% APY, saving $770/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 2.432% 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 Plymouth, Indiana earner makes $37,058/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.432% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.432% APY grows to roughly $40,424 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 Plymouth, 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 Plymouth, 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 Plymouth, 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 Plymouth, Indiana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Plymouth, Indiana safe?
How often do savings rates change in Plymouth, 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 Plymouth, Indiana?
How do I open a savings account in Plymouth, Indiana?
Best Savings Rates in Plymouth, Indiana
- Beacon Credit Union
Ownership Share: 6.00% APY - Communitywide Federal Credit Union
CW HiRate Savings: 3.25% APY - Everwise Credit Union
Boost High-Yield Savings: 3.00% APY - Woodforest National Bank
Personal Savings: 0.35% APY - First FSB Rochester, IN
Money Market Savings Accounts: 0.15% APY
Plymouth, Indiana Rates & Resources
