Find the Best Bank Rates, Savings Interest Rates, Money Market Accounts, & High Yield Savings! See below for our exclusive list of Savings & Money Market Accounts with the highest interest rate in the U.S!
Update 4/19/24: We’ve updated our list with the latest bank rates.
You’ll find all nationwide/state promotions, deals, and offers with full review for all your banking needs. All banks listed are federally insured by the FDIC for up to $250K per account. Make sure to read the terms and conditions for the official site.
I’ll review the best bank rates below.
Best Bank Rates & Savings Accounts
Western Alliance Bank High-Yield Savings Premier 5.36% APY
- Earn 5.36% APY1
- FDIC insured
- Open your account online in five minutes or less
- No account activity or maintenance fees
- Enhanced security by connecting one external account where money can be moved to and from
- Open with $500 minimum deposit
15.36% annual percentage yield (APY) is accurate as of 01/17/2024 and subject to change at the Bank’s discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
(FDIC Insured)
Barclays Online Savings $200 Bonus + 4.35% APY
New Barclays Savings customers through 5/3/2024 can earn a $200 bonus after depositing $25,000 and earn 4.35% APY.
How to earn it:
- Open a Barclays Savings account
- Fund your new savings account with at least $25,000 within the first 30 days of opening the account
- Maintain the balance of at least $25,000 for 120 consecutive days.
- After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days.
CloudBank 24/7 High Yield Savings 5.26% APY
- No fees. $1 minimum deposit. 24/7 online access to funds.
- Deposits are FDIC insured through Third Coast Bank SSB
- Earn 5.26% APY
(FDIC Insured)
Nelnet Bank High Yield Savings 5.25% APY
- Earn 5.25% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Helping students and families succeed.
(FDIC Insured)
UFB Secure Money Market 5.25% APY
- Earn up to 5.25% APY*.
- No monthly maintenance fees.
- No minimum deposit required to open an account.
- Access your funds 24/7 with easy-to-use digital banking tools.
(FDIC Insured)
Harborstone Credit Union Money Market Deposit 5.25% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Supports local organizations focused on financial literacy, community safety, and more.
- Top offer: 5.25% APY* Money Market Deposit Account, 8.6x higher than national average.
(FDIC Insured)
Ponce Bank Money Market 5.24% APY
- 5.24% APY high-yield MMDA
- FDIC insured. No fees.
- Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
(FDIC Insured)
American First Credit Union Money Market 5.24% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Earn 5.24% APY
(NCUA Insured)
Upgrade Premier Savings 5.21% APY
- Exceptional 5.21% APY on balances of $1000 or more
- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
SkyOne Federal Credit Union Money Market 5.20% APY
- Earn 5.20% APY with a SkyOne Federal Credit Union Money Market
- Federally insured by NCUA.
- Start saving with as little as $1 minimum deposit.
- 24/7 online access.
(NCUA Insured)
RBMAX High Yield Savings 5.15% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Combines the benefits of big banks with the commitment to enhance local communities.
- Earn 5.15% APY
(FDIC Insured)
Blue Federal Credit Union Money Market 5.15% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- 5.15% APY Money Market Deposit Account, 9.7x higher than national average.
(NCUA Insured)
EverBank Performance Savings 5.15% APY
Mission Valley Bank High Yield Savings 5.12% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Mission Valley Bank actively supports many non-profit organizations – making a difference throughout the communities they serve.
- Top offer: 5.12% APY* high yield savings account — currently 8.4x higher than national average.
(FDIC Insured)
Customers Bank High Yield Savings 5.11% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Gives back to schools and organizations in their local communities.
- Earn 5.11% APY
(FDIC Insured)
Lemmata Savings Bank Money Market 5.03% APY
- 5.03% APY Money Market Deposit Account, 8.5x times the national average APY.
- No fees. $1 minimum deposit. 24/7 online access to funds.
- Lemmata gives back through charitable donations when you save.
- Deposits are FDIC insured through California Bank of Commerce.
(FDIC Insured)
Quontic Bank Money Market 5.00% APY
- Earn 5.00% APY with a Quontic Bank Bank Money Market
- No Monthly Maintenance or Overdraft Fees
- $100 minimum deposit required to open an account
(FDIC Insured)
Jovia Financial Credit Union Online Savings 5.00% APY
CIT Bank Platinum Savings 4.95% APY
- Earn 4.95% APY on n balances of $5,000 or more.
- Competitive rates
- Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
- Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
- No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.
(Visit CIT Bank for more details)
First Mid Bank & Trust High Yield Savings 4.80% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Over 150 years of experience delivering solutions to customers.
- 4.80% APY* high-yield savings account, 12.0x higher than national average.
(FDIC Insured)
GreenState Credit Union High Yield Savings 4.75% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Known for returning profits to members in the form of better rates and lower fees
- Earn 4.75% APY
(FDIC Insured)
mph.bank Money Market 4.70% APY Rate
- Earn 4.70% APY with a High-yield money market deposit account (MMDA)
- Deposits are FDIC insured through Liberty Savings Bank.
- No fees. $1 minimum deposit.
- 24/7 online access to funds.
(FDIC Insured)
Sallie Mae Bank Money Market 4.65% APY Rate
CIT Bank Savings Connect 4.60% APY
Earn 4.60% APY with this new Savings Connect account from CIT Bank.
Savings that’s even more rewarding. Earn a competitive rate with Savings Connect. Open the accounts quick and easily.
(Visit CIT Bank for more details)
Liberty Savings Bank High-Yield Savings 4.60% APY
- 4.60% APY high-yield savings account, 12.4x higher than national average.
- FDIC insured. No fees.
- A history of serving communities across America.
(FDIC Insured)
SoFi Checking & Savings $275 Bonus + 4.60% APY
Earn more on your money with 4.60% APY and a $275 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $275 bonus + 4.60% APY
- Eligible account: SoFi Checking and Savings Account
- Credit inquiry: Soft pull, which does not affect your credit
- Where it’s available: Online nationwide
- How to earn it:
- For a limited time, get $25 when you sign up for a SoFi Checking & Savings account and deposit at least $10.
- Get an additional $250 with qualifying activity. In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(See advertiser website for full details. Member FDIC.)
Total Qualifying Direct Deposit Amount | Cash Bonus |
$1,000 – $4,999 | $50 |
$5,000 or more | $250 |
Quontic Bank High Yield Savings 4.50% APY
- Earn 4.50% APY with a Quontic High Yield Savings Account
- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
- Open an account online in just 3 minutes
- Interest is compounded daily and credited to your account every month
(FDIC Insured)
Continential Bank High Yield Savings 4.41% APY
- 4.41% APY high-yield savings account, 12.6x higher than national average.
- FDIC insured. No fees.
- Community focused Western bank committed to offering great products to help you save.
(FDIC Insured)
Citi® Accelerate Savings
Capital One 360 Performance Savings 4.25% APY
Discover® Bank Online Savings 4.25% APY Rate
- Earn high interest rate of 4.25% APY
- No minimum opening deposit, no minimum balance requirement, and now no fees
- Interest on Discover Online Savings Accounts is compounded daily and credited monthly
- Manage your account online or with the Discover mobile app
- FDIC insurance up to $250,000
(See advertiser website for full details. Member FDIC.)
Best Bank Rates
Bank | Account Type | APY | Terms | Review |
---|---|---|---|---|
MyBankingDirect | High Yield Savings | 5.55% | $1.00 min/No max | Review |
Poppy Bank | Premier Online Savings | 5.50% | $1K min/No max | Review |
BankProv | Max Savings | 5.36% | No min/No Max | Review |
Brilliant Bank | Money Market | 5.35% | $1K min/$500K max | Review |
BrioDirect | High Yield Savings | 5.35% | $25 min/No max | Review |
Climate First Bank | Choice Money Market | 5.34% | $50k min/No max | Review |
Veritex Community Bank | Max Savings | 5.34% | No min/No Max | Review |
Ivy Bank | High-Yield Savings | 5.30% | $2.5K min/No max | Review |
Vio Bank | Cornerstone Money Market | 5.30% | No min/No max | Review |
TAB Bank | High Yield Savings | 5.27% | $1 min/No max | Review |
TotalDirectBank | Direct Money Market Deposit | 5.26% | $2.5k min/$500k max | Review |
Amalgamated Bank | Money Market | 5.25% | $10K min/No max | Review |
CFG Bank | High Yield Money Market | 5.25% | $1K min/No max | Review |
Evergreen Bank Group | High Yield Savings | 5.25% | $100 min/No Max | Review |
Fierce Finance | Cash Account | 5.25% | No min/No max | Review |
Jenius Bank | Savings | 5.25% | No min/ No max | Review |
Newtek Bank | High Yield Savings | 5.25% | No min/No max | Review |
State Bank of Texas | Jumbo Money Market | 5.22% | $100K Min/No max | Review |
Republic Bank | Digital Money Market | 5.21% | $2,500 Min/No max | Review |
Modern Bank | High Yield Money Market | 5.20% | $100K min/No max | Review |
Bread Financial | High-Yield Savings | 5.15% | No min/No max | Review |
EverBank | Savings | 5.15% | No min/No max | Review |
Popular Direct | High-Rise Savings | 5.15% | $5K min/$1M max | Review |
RBMAX | Max Interest Savings | 5.15% | No min/$249,999.99 max | Review |
Western State Bank | High Yield Money Market | 5.15% | No min/$3M max | Review |
Elevault | Mobile Banking | 5.13% | No min/$40K max | Review |
Bask Bank | Interest Savings | 5.10% | No Min/No max | Review |
Credit Karma | High Yield Savings | 5.10% | No min/No max | Review |
BMO Bank | Online Savings | 5.10% | No min/ No max | Review |
Primis Bank | Premium Checking | 5.07% | $1 min/No max | Review |
Primis Bank | Savings | 5.07% | $1 min/No max | Review |
BankPurely | PurelyMoneyMarket | 5.05% | $25k min/No max | Review |
iGObanking | Money Market Account | 5.05% | $25K min/No max | Review |
CIBC Bank | Agility Online Savings | 5.01% | $1K min/No max | Review |
Salem Five Direct | eOne Savings | 5.01% | No min/$1M max | Review |
Betterment | Cash Reserve | 5.00% | No min/No max | Review |
BluPeak Credit Union | Market Market Account | 5.00% | $25 min/No max | Review |
Dollar Savings Direct | Savings | 5.00% | No min/No max | Review |
Fitness Bank | Savings Account | 5.00% | $100 min/No max | Review |
Jovia Financial Credit Union | Online Savings | 5.00% | $4.95 min/No max | Review |
Langley Federal Credit Union | Platinum Money Market | 5.00% | $1M min/No max | Review |
Laurel Road | High Yield Savings | 5.00% | No min/$5M max | Review |
LendingClub | High Yield Savings | 5.00% | $2.5K min/No max | Review |
Merchants Bank of Indiana | MMA | 5.00% | No Min/$1M max | Review |
Morgan Stanley | Preferred Savings | 5.00% | $1K min/No max | Review |
Rising Bank | High Yield Savings | 5.00% | $1K min/$1M max | Review |
Wealthfront | Cash | 5.00% | No min/ No max | Review |
VirtualBank | eMoney Market | 5.00% | No min/No maxa | Review |
Zynlo Bank | Money Market | 5.00% | No min/$250K max | Review |
Lafayette Federal Credit Union | Premier Savings | 4.99% | $50K min/No max | Review |
North American Savings Bank | Interest Savings | 4.95% | $25K min/No max | Review |
Northern Bank Direct | Money Market | 4.95% | $500 min/$250K max | Review |
All America Bank | Mega Money Market® Checking | 4.90% | No min/$100K max | Review |
First Foundation Bank | Online Savings | 4.90% | $1K Min/No max | Review |
First Foundation Bank | Online Money Market | 4.90% | $1K Min/No max | Review |
Redneck Bank | Mega Money Market | 4.90% | No min/$100K max | Review |
My eBanc | Money Market | 4.81% | $100K min/No max | Review |
My eBanc | eRelationship Savings | 4.81% | $100K min/No max | Review |
iGObanking | iGOindexmoneymarket | 4.78% | $25K min/No max | Review |
FNBO Direct | Online Savings | 4.75% | $1 min/$1M max | Review |
Milli Bank | Savings | 4.75% | No min/No max | Review |
Styl | Savings | 4.75% | No min/No max | Review |
Synchrony Bank | High Yield Savings Account | 4.75% | No min/ No max | Review |
Valley Direct | Online Savings | 4.75% | No min/No Max | Review |
Merrill | Preferred Deposit | 4.71% | $100K min/No Max | Review |
CNB Bank Direct | Premium Money Market | 4.70% | $25K min/$2M max | Review |
ConnectOne Bank | Online Savings | 4.70% | $2.5K min/$250K max | Review |
Empower | Cash Account | 4.70% | No min/ No max | Review |
PNC Bank | High Yield Savings | 4.65% | No min/No max | Review |
Sallie Mae Bank | Money Market | 4.65% | No min/No max | Review |
CNB Bank Direct | High Yield Savings | 4.60% | $1 min/No max | Review |
USALLIANCE | High Yield Divided Account | 4.55% | No min/No max | Review |
Citizens Access | Online Savings | 4.50% | $5K /$250K max | Review |
Prime Alliance Bank | Personal Savings | 4.50% | No min/ No max | Review |
Prime Alliance Bank | Personal Money Market | 4.50% | No min/ No max | Review |
Sallie Mae Bank | Savings | 4.50% | No min/No max | Review |
Colorado Federal Savings Bank | Premier Savings | 4.45% | $50K min/No max | Review |
Live Oak Bank | Savings Account | 4.40% | $1K min/No max | Review |
Colorado Federal Savings Bank | High Yield Savings | 4.40% | $1 min/No max | Review |
Marcus by Goldman Sachs | High-Yield Online Savings | 4.40% | $2,500 min/No max | Review |
Affirm | Savings | 4.35% | No Min/No max | Review |
b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
Barclays | Online Savings Account | 4.35% | $0.01 min/No max | Review |
MySavingsDirect | MySavings | 4.35% | No Min/No max | Review |
CFBank | Platinum Money Market | 4.30% | $25K min/No max | Review |
EverBank | Yield Pledge Money Market | 4.30% | $500 min/No max | Review |
PayPal | Savings | 4.30% | No min/ No max | Review |
SFGI Direct Savings | Direct Savings | 4.26% | No min/No max | Review |
Capital One 360 | Performance Savings | 4.25% | $10K min/No max | Review |
E*Trade | Premium Savings Account | 4.25% | No min/ No max | Review |
Quorum Federal Credit Union | HighQ Savings | 4.25% | No min/No max | Review |
Smarty Pig | High Yield Savings | 4.25% | No min/$10K Max | Review |
Ally Bank | Online Savings Account | 4.20% | No Min/No max | Review |
Ally Bank | Money Market | 4.20% | No Min/No max | Review |
MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
Connexus Credit Union | Money Market | 4.01% | $1M min/No max | Review |
Affinity Plus Federal Credit Union | Superior Money Market | 4.00% | No min/$25K max | Review |
Chevron Federal Credit Union | MarketEdge Money Market Savings | 4.00% | $250K min/No max | Review |
EmigrantDirect | American Dream Savings Account | 4.00% | No min/No max | Review |
Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 4.00% | $250K min/No max | Review |
Third Federal | Online Savings Plus | 4.00% | $5K min/No max | Review |
Lafayette Federal Credit Union | Preferred Savings | 3.80% | $20K min/No max | Review |
First Internet Bank | Money Market | 3.77% | $4K min/No max | Review |
American Heritage Credit Union | High Yield Savings | 3.75% | $10K min/ No max | Review |
Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
Luana Savings Bank | Money Market | 3.35% | $2,500 min/No max | Review |
Northpointe Bank | Ultimate Money Market | 3.25% | $25K min/$3Mmax | Review |
Northpointe Bank | Ultimate Savings | 3.25% | $25K min/$3Mmax | Review |
Paramount Bank | High-Interest Checking | 3.25% | No Min/$99,999.99 Max | Review |
Alliant Credit Union | High Yield Savings | 3.10% | No min/No max | Review |
PenFed | Premium Online Savings | 3.00% | No min/No max | Review |
Varo Bank | Money Savings | 3.00% | $0.01 Min/$15K Max | Review |
Chime ($100 bonus) | Savings | 2.00% | No Min/No max | Review |
Best Business Bank Rates
Below you’ll find the best bank rates for business accounts.
Bank | Account Type | APY | Terms | Review |
---|---|---|---|---|
Mercury | Mercury Treasury | 5.38% | No min/No max | Review |
Bluevine | Premier Business Checking | 4.25% | No Min/$3M Max | Review |
Prime Alliance Bank | Business Savings | 4.25% | $200K Min/No Max | Review |
Lili Banking | Business Banking | 4.15% | No min/No max | Review |
Capital One | Business Savings | 4.10% | $10K min/$5M max | Review |
Live Oak Bank | Business Savings Account | 4.00% | $200K min/No max | Review |
American Heritage Credit Union | High Yield Business Savings | 3.75% | $10K min/No max | Review |
LendingClub Banking | Business Savings | 3.60% | No min/No max | Review |
Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
First Internet Bank | Business Money Market Savings | 3.46% | No Min/$5M max | Review |
Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
Heritage Bank | Business Jumbo Deposit | 3.02% | $230K min/No max | Review |
NBKC Bank | Business Money Market | 2.75% | No min/ No max | Review |
Financial Resources Federal Credit Union | Business Purple Savings | 2.27% | $100K min/No max | Review |
Grasshopper Bank | Business Checking | 2.25% | $10K min/No max | Review |
Paramount Bank | Business Money Market | 2.25% | No min/No max | Review |
Bluevine | Business Checking | 2.00% | No min/$100K max | Review |
LendingClub | Tailored Business Checking | 1.50% | No min/No max | Review |
American Express | Business Checking | 1.30% | No min/ $500K max | Review |
Greenwood Credit Union | Business Money Market | 1.25% | $250K min/ $500K max | Review |
Premier America Credit Union | Business Money Market | 1.10% | $500K min/No max | Review |
Axos Bank | Business Interest Checking | 1.01% | No min/ $49,999.99 max | Review |
Signature Federal Credit Union | Business Money Market | 1.00% | $50K min/No max | Review |