Harvey, Louisiana Savings Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Harvey, Louisiana savings account rates range from 0.05% to 7.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Harvey, Louisiana and the surrounding area include Keesler Federal Credit UnionKeesler Federal Credit Union1520 Westbank Expy, Harvey, LA 70058 4467A+5.0 ★Texas Ratio: 5.02%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 28, 2026 HIMMA Premier at 3.25% APY, La Capitol Federal Credit UnionLa Capitol Federal Credit Union2044 Manhattan Blvd, Harvey, LA 70058 3416A5.0 ★Texas Ratio: 7.48%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 29, 2026 Companion Savings at 3.25% APY, Capital One BankCapital One Bank2412 Manhattan Blvd, Harvey, LA 70058A5.0 ★Texas Ratio: 7.00%Real return: -0.50%APY minus 3.7% CPIRate verified Oct 31, 2026 360 Performance Savings at 3.20% APY, Woodforest National BankWoodforest National Bank1501 Manhattan Blvd, Harvey, LA 70058A-5.0 ★Texas Ratio: 14.96%Real return: -3.35%APY minus 3.7% CPIRate verified Oct 31, 2026 Personal Savings at 0.35% APY, and First HorizonFirst Horizon1720 Manhattan Blvd, Harvey, LA 70058A+5.0 ★Texas Ratio: 5.76%Real return: -3.45%APY minus 3.7% CPIRate verified Oct 31, 2026 Traditional Savings at 0.25% APY.
Harvey has 33 local institutions in our database, with savings rates as high as 3.25% APY from Keesler Federal Credit Union at 1520 Westbank Expy, Harvey, LA 70058 4467. Use the table below to compare all available offers, including options from institutions serving the broader Louisiana area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Harvey, Louisiana and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Harvey, Louisiana & Surrounding Communities
First 6 months; 3.25% APY or 3.20% interest rate; new deposits only; maximum dividend over a 6 month period
Available only when opening a Share Certificate of 12 months or longer; must be opened at same time as the certificate; no additional deposits after opening; unlimited free withdrawals
APY is variable and effective 10/30/2026; no fees; no minimum balance required to maintain account; interest accrues daily and compounds monthly
- Oct 31, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%first recorded
IRS early withdrawal penalties on IRA withdrawals
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; Balance: $10,000 and over; Transaction limits: Limited
Over $10,000; Balance Required to Earn APY: $10,000; Transaction Limits: Limited
- Oct 20, 20260.30%▼ from 0.35%
- Sep 14, 20260.35%first recorded
Save all year for the holiday shopping season; paid quarterly
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
Balance: $25,000 minimum to earn dividend
Dividend compounded and credited monthly
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; Balance: $0.01 - $9,999.99; Transaction limits: Limited
Balance: $10,000 minimum to earn dividend
Balance: $50,000 - $99,999
Published rate range: 0.15 to 0.20%. Balance tiers: Less than $5,000; More than $5,000; 0.15% to 0.20% or if balance is $5,000 or more, paid quarterly
Published rate range: 0.15 to 0.20%. Balance tiers: Less than $5,000; More than $5,000; 0.15% to 0.20% or if balance is $5,000 or more, paid quarterly
Balance: $1,000 minimum to earn dividend
Balance: $2,500.00 or greater; Minimum Balance: $5.00; APY is based on an annual percentage yield; Fees may reduce earnings; Rate may change after account is opened
Balance: $100,000 or Greater; Min. Required to Earn APY: $100
Balance: $0 - $24,999
Balance: $100 minimum to earn dividend
Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00
Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00
Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00
Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00
Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 - Fee waived for account owners under 17 years of age
Balance: $0.00 - $2,499.99; Minimum Balance: $5.00; APY is based on an annual percentage yield; Fees may reduce earnings; Rate may change after account is opened
Balance: $50,000 to $99,999; Min. Required to Earn APY: $100
Balance: $5,000 to $49,999; Min. Required to Earn APY: $100
Under $10,000; Balance Required to Earn APY: $0.01; Transaction Limits: Limited
- Oct 20, 20260.05%▼ from 0.20%
- Sep 14, 20260.20%first recorded
Balance: $100 to $4,999; Min. Required to Earn APY: $100
Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $0.01
Balance: $50,000 and over
Balance: $50,000+
- Oct 4, 20263.85%▲ from 3.60%
- Sep 25, 20263.60%first recorded
Ages: 0-17; Minor Account; Balance: Under $3,000
- Oct 26, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Balance: $1,000,000+
Balance: $50,000 and over
Balance tier starting at $200,000.00
Qualifications Required; Q2-Premier Savings-2025 special offer; Boost your earnings with our Premier Bundle
Balance: $1,000+
Balance: Under $3,000
On balances of $25,000+; APY has deposit balance requirements to earn highest rate available
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: $500,000 - $999,999.99
Balance tier starting at $150,000.00
$5,000 minimum
Available in-branch only; Personal and Commercial; Average daily balance of $100,000 required to earn stated APY; balances below $100,000 earn the Personal Statement Savings APY
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
Qualifications Required; Earns 2.50% APY on full balance when JD Signature Checking balance requirements are met during monthly qualifications cycle; Earns 0.05% APY on full balance if qualifications are not met
Balance: Any balance
Balance: Balances $25,000.00 or more
- Oct 14, 20262.02%▼ from 2.53%
- Sep 14, 20262.53%first recorded
Balance: $100 minimum; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; In-Branch Only
Balance: $1 million and over; Tiered rates, APY*
Balance: $500,000 to $999,999; Tiered rates, APY*
Balance: Balances $50,000.00 or more; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: Any balance
Qualifying balance up to $30,000.00 when ZydeCash Checking qualifications are met; Open Account at Branch
No monthly service charge
Monthly service charge: $5.95 if daily balance falls below $100.00; Minimum daily balance to avoid service charge: $100
Business Account; Rates current as of August 30, 2024
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: Balances $5,000.00 to $49,999.99; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
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
Balance: greater than $1,000,000; Rates effective as of 10/20/26
APY = Annual Percentage Yield. These rates may change after the account is opened. Fees may reduce earnings in these accounts.
Effective Date: 10/21/2026
Effective Date: 10/21/2026
Effective Date: 10/21/2026
Balance: Balances less than $5,000.00; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
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.
Harvey, LA Savings Rate Trends
Compare local Harvey, LA 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.
Louisiana high-yield savings rates rose 0.017 points over the past 7 days to 2.610% APY, up from 2.593%.
Louisiana standard savings rates fell 0.047 points over the past 7 days to 0.388% APY, down from 0.435%.
Harvey, Louisiana Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current LA 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 LA high-yield savings average of 2.610% 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 Harvey, Louisiana.
Savings Account Earnings in Harvey, Louisiana
Annual interest earnings at current LA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.610% APY) | Monthly Earnings | Standard Savings (0.388% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $130.48 / year | $10.87 | $19.41 / year | $1.62 |
| $10,000 | $260.95 / year | $21.75 | $38.81 / year | $3.23 |
| $25,000 | $652.38 / year | $54.37 | $97.02 / year | $8.08 |
| $50,000 | $1,304.75 / year | $108.73 | $194.05 / year | $16.17 |
| 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: Harvey, Louisiana savings rate averages as of October 31, 2026. | ||||
About Our Harvey, Louisiana Savings Rate Database
MonitorBankRates found 9 institutions with branches in Harvey (4 banks, 5 credit unions), plus 20 additional state-chartered and national online institutions available to Harvey 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: Keesler Federal Credit Union offers a savings account at 3.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Harvey, Louisiana.
How to Find the Best Savings Rates in Harvey, Louisiana
What to compare when shopping for a savings account in Harvey, Louisiana
To find the best savings APYs in Harvey, Louisiana, start with credit unions and online-only banks: Harvey, Louisiana has 15 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 LA high-yield savings average is 2.610% but top local institutions are offering as high as 3.25%, 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. Harvey, Louisiana high-yield savings rates currently average 2.610% 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 Harvey, Louisiana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 29 institutions in Harvey, Louisiana 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 Harvey, Louisiana CD rates
- You want check-writing flexibility Harvey, Louisiana money market rates
- You need daily transaction access Harvey, Louisiana checking rates
Harvey, Louisiana Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.2% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.0% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s LA high-yield savings average of 2.610%, saving 10% of the local median salary ($3,194/year) would earn an additional $83 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Harvey, Louisiana Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Harvey, Louisiana.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current LA Avg APY | 2.610% | 0.388% | 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 Harvey, Louisiana averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Harvey, Louisiana
At LA’s top rate of 3.25% from Keesler Federal Credit Union, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Harvey, Louisiana earner is roughly $8,000. At 2.610% APY, saving $670/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsLouisiana’s high-yield savings average is 2.610% 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 Harvey, Louisiana earner makes $31,943/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.610% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.610% APY grows to roughly $41,850 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 Harvey, Louisiana 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 Harvey, Louisiana 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 Harvey, Louisiana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in LA.
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 Harvey, Louisiana
What are savings account rates in Harvey, Louisiana today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Harvey, Louisiana safe?
How often do savings rates change in Harvey, Louisiana?
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 Harvey, Louisiana?
How do I open a savings account in Harvey, Louisiana?
Best Savings Rates in Harvey, Louisiana
- Keesler Federal Credit Union
HIMMA Premier: 3.25% APY - La Capitol Federal Credit Union
Companion Savings: 3.25% APY - Capital One Bank
360 Performance Savings: 3.20% APY - Woodforest National Bank
Personal Savings: 0.35% APY - First Horizon
Traditional Savings: 0.25% APY
Harvey, Louisiana Rates & Resources
