Valparaiso, Indiana (IN) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Valparaiso, Indiana and the surrounding area include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN4208 Calumet Ave, Valparaiso, IN 46383A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, Tech Credit UnionTech Credit Union370 Morthland Dr, Valparaiso, IN 46383B+4.8 ★Texas Ratio: 18.03% Premier Savings at 1.71% APY, Regional Federal Credit UnionRegional Federal Credit Union389 W US Highway 6, Valparaiso, IN 46385A+5.0 ★Texas Ratio: 4.39% IRA Savings at 1.01% APY, Allegius Federal Credit UnionAllegius Federal Credit Union175 Lincolnway Ste E, Valparaiso, IN 46383A5.0 ★Texas Ratio: 7.94% Traditional, Roth, and Conversion Roth IRA Savings at 0.60% APY, and First Trust Credit UnionFirst Trust Credit Union1404 Lincolnway, Valparaiso, IN 46383 5826A+5.0 ★Texas Ratio: 3.62% RAINY DAY SHARES at 0.10% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Valparaiso, Indiana, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Valparaiso, Indiana (IN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Valparaiso, Indiana and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Valparaiso, Indiana & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
4208 Calumet Ave, Valparaiso, IN 46383
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Premier Savings
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Premier Savings
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
389 W US Highway 6, Valparaiso, IN 46385
IRA Savings
1.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Premier Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Membership Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Allegius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
175 Lincolnway Ste E, Valparaiso, IN 46383
Traditional, Roth, and Conversion Roth IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Premier Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Education Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Membership Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Allegius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
175 Lincolnway Ste E, Valparaiso, IN 46383
Share Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Allegius Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
175 Lincolnway Ste E, Valparaiso, IN 46383
Special Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
389 W US Highway 6, Valparaiso, IN 46385
IRA Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Membership Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
389 W US Highway 6, Valparaiso, IN 46385
IRA Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
389 W US Highway 6, Valparaiso, IN 46385
Regular and Special Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Membership Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1404 Lincolnway, Valparaiso, IN 46383 5826
RAINY DAY SHARES
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Trust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1404 Lincolnway, Valparaiso, IN 46383 5826
REGULAR SHARES
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
U S #1364 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
334 W US Highway 30, VALPARAISO, IN 46385 5394
Regular Share
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Membership Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tech Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 18.03%
370 Morthland Dr, Valparaiso, IN 46383
Premier Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Business Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
136 Northpoint Ave, Huntington, IN 46750 7764
Ownership Share and Business Ownership Share
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
1110 N Main St, Goshen, IN 46528 2638
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
1111 S Adams St, Bluffton, IN 46714 9772
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
Money Market Savings
3.64%
$100
▼
Rate3.58%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
108 E Main St, Danville, IN 46122
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Christian Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
301 Pennsylvania Pkwy Ste 300, Carmel, IN 46280 1396
Church Variable Shares
3.55%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$200,000 & Over
Indiana University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
105 E Winslow Rd, Bloomington, IN 47401
Business Savings Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 N Main St, Auburn, IN 46706
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
USB Union Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
5881 E 82nd St, Indianapolis, IN 46250
Collateral - Statement Savings
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
over current rate account is earning
Bippus State Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
150 Hauenstein Rd, Huntington, IN 46750
Elevated Savings
3.25%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $10,000.00
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
8701 E 116th St, Fishers, IN 46038
Money Market Savings
3.09%
$100
▼
Rate3.05%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $1,000,000.00
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Jubilee savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $1,000.00
MIDWEST AMERICA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
801 E Tillman Rd, Fort Wayne, IN 46816 1971
Youth Savings
3.00%
$1
▼
Rate2.96%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $500.00
Peoples T&S Bank Boonville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
132 S 3rd St, Boonville, IN 47601
Elite Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Click for more details!
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
108 E Main St, Danville, IN 46122
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Springs Valley B&T Co.
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
8482 W State Road 56, French Lick, IN 47432
Savings
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required; Qualifying balance up to $250,000.00
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1110 N Main St, Goshen, IN 46528
Relationship savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required
DeMotte State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
101 S Main St, Morocco, IN 47963
Savings Growth
2.61%
$0
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Hicksville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
1130 W 15th St, Auburn, IN 46706
Hometown Savings
2.35%
$10,000
▼
Rate2.32%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details
Hicksville Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
1130 W 15th St, Auburn, IN 46706
Bus. Hometown Savings
2.35%
$10,000
▼
Rate2.32%
Min Deposit$10,000
Min Balance—
UpdatedMar 21, 2026
Details
Peoples State Bank Ellettsville, IN
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 E Temperance St, Ellettsville, IN 47429
Prestige Money Market Checking Account and Prestige Savings Account
2.28%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Valparaiso, IN Savings Rate Trends
Compare local Valparaiso, IN savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — IN Avg
1.229%
▼ 0.570 from last week
Indiana high-yield savings rates fell 0.570 points this week to 1.229% APY, down from 1.799% last week.
Standard Savings — IN Avg
0.402%
▲ 0.321 from last week
Indiana standard savings rates rose 0.321 points this week to 0.402% APY, up from 0.081% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Valparaiso, 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 Valparaiso, 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 Valparaiso, Indiana
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Indiana, help your money grow faster through a higher APY.
Are savings accounts in Valparaiso, Indiana safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Indiana up to $250,000 per depositor, per institution.
How often do savings rates change in Valparaiso, Indiana?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Indiana rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Valparaiso, Indiana may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Valparaiso, Indiana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Valparaiso, Indiana offer in-person customer service, which some customers prefer.
How do I open a savings account in Valparaiso, Indiana?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Valparaiso, Indiana
Here are recent savings rates observed in Valparaiso, Indiana and the surrounding area:
- Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - Tech Credit Union
Premier Savings — 1.71% APY - Regional Federal Credit Union
IRA Savings — 1.01% APY - Allegius Federal Credit Union
Traditional, Roth, and Conversion Roth IRA Savings — 0.60% APY - First Trust Credit Union
RAINY DAY SHARES — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Valparaiso, Indiana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
