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 4/2/24: 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
CIT Bank Platinum Savings 4.10% APY
Open a CIT Bank Platinum Savings account and get up to $300 bonus. Enter promo code PS2025 at opening. $100 minimum opening deposit.
How to earn bonus:
- Boost your savings when you open a new Platinum Savings account with the promo code PS2025.
- New customers must deposit at least $25,000 for a $225 bonus, or at least a minimum of $50,000 for a $300 bonus into the enrolled Platinum Savings account within the first 30 calendar days following account opening (the “Funding Period”). The single or multiple deposit(s) of $25,000 or $50,000 or more used to fund the account must come from a funding source outside of CIT Bank.
- Transfers from existing CIT Bank accounts will not qualify. Funds already on deposit with CIT Bank are ineligible.
- The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.
- If you meet the promotion requirements, your bonus will be added to your account within 60 days of qualifying (up to 90 days after account opening).
- Earn 4.10% 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)
Discover® Bank Online Savings $150/$200 Bonus + 3.70% APY Rate
- Earn high interest rate of 3.70% 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
How To Earn Discover Savings Bonus
- Apply for your first Discover Online Savings Account through BankCheckingSavings.com by 3/13/2025
- Enter Offer Code CK924 when applying. Enter your information, such as address, phone, email and social security number.
- Fund your first savings account with a minimum deposit of $15,000 within 45 days of account open date to earn a $150 bonus.
- Fund your first savings account with a minimum deposit of $25,000 within 45 days of account open date to earn a $200 bonus.
- Finally, verify information and electronically sign your application. They may ask your to verify some information on your credit report such as old addresses or loans.
(See advertiser website for full details. Member FDIC.)
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CK924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank.
American First Credit Union Money Market 4.30% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 4.30% APY
(NCUA Insured)
Mission Valley Bank High Yield Savings 4.27% 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.
- Earn 4.27% APY
(FDIC Insured)
Harborstone Credit Union Money Market Deposit 4.25% 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.
- Earn 4.25% APY
(NCUA Insured)
Western Alliance Bank High-Yield Savings 4.25% APY
FDIC insured- Excellent rates with NO fees from Raisin.
- $1 minimum deposit. 24/7 online access.
- Earn 4.25% APY
(FDIC Insured)
Forbright Bank Savings 4.25% APY
Paprika Capital Bank High Yield Savings 4.24% APY
- FDIC insured. No fees. $1 minimum deposit.
- Gives back to organizations who are a force for good.
- Earn 4.24% APY
(FDIC Insured)
Grand Bank Money Market 4.20% APY
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Family-owned bank that prioritizes customer relationships.
- Earn 4.20% APY
(FDIC Insured)
Live Oak Bank Savings 4.20% APY
Earn a competitive rate with the Live Oak Bank Savings account.
- Earn 4.20% APY on your funds with a Live Oak Bank Savings account.
- FDIC Insurance Up to Maximum Allowed by Law
- No Monthly Maintenance Fees
- Interest Compounded Daily
- Access Your Account Anytime with our Mobile App
(FDIC Insured)
mph.bank Money Market 4.06% APY Rate
Earn 4.06% 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)
Upgrade Premier Savings 4.02% APY
Exceptional 4.02% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
Liberty Savings Bank High-Yield Savings 4.01% APY
Earn 4.01% APY high-yield savings account- FDIC insured. No fees.
- A history of serving communities across America.
(FDIC Insured)
Customers Bank High Yield Savings 4.01% 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 4.01% APY
(FDIC Insured)
CIT Bank Savings Connect 4.00% APY
Earn 4.00% 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)
Blue Federal Credit Union Money Market 4.00% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 4.00% APY
(NCUA Insured)
GreenState Credit Union High Yield Savings 3.90% 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 3.90% APY
(FDIC Insured)
Quontic Bank High Yield Savings 3.85% APY
Earn 3.85% 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)
SoFi Checking & Savings $325 Bonus + 3.80% APY
Earn more on your money with 3.80% APY and a $325 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $325 bonus + 3.80% 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:
- 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.)
RBMAX High Yield Savings 3.66% 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 3.66% APY
(FDIC Insured)
Capital One 360 Performance Savings 3.60% APY
Best Bank Rates
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Newtek Bank | High Yield Savings | 4.90% | No min/No max | Review |
| Modern Bank | High Yield Money Market | 4.75% | $100K min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 4.65% | $100K Min/No max | Review |
| Pibank | Savings (app only) | 4.60% | No min/No max | Review |
| BrioDirect | High Yield Savings | 4.55% | $25 min/No max | Review |
| Fitness Bank | Savings Account | 4.55% | $100 min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 4.51% | $2.5k min/$500k max | Review |
| Brilliant Bank | Money Market | 4.50% | $1K min/$500K max | Review |
| First Foundation Bank | Online Savings | 4.50% | $1K Min/No max | Review |
| First Foundation Bank | Online Money Market | 4.50% | $1K Min/No max | Review |
| GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
| Jenius Bank | Savings | 4.50% | No min/ No max | Review |
| Poppy Bank | Premier Online Savings | 4.50% | $1K min/No max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 4.50% | $10K min/No max | Review |
| Rising Bank | High Yield Savings | 4.50% | $1K min/$1M max | Review |
| Climate First Bank | Choice Money Market | 4.46% | $50k min/No max | Review |
| Vio Bank | Cornerstone Money Market | 4.46% | No min/No max | Review |
| MyBankingDirect | High Yield Savings | 4.45% | $1.00 min/No max | Review |
| Barclays | Tiered Savings | 4.40% | No min/No max | Review |
| Bread Financial | High-Yield Savings | 4.40% | No min/No max | Review |
| Redneck Bank | Mega Money Market | 4.40% | No min/$100K max | Review |
| Modern Bank | Premier Money Market | 4.40% | $1K min/No max | Review |
| Zynlo Bank | Money Market | 4.40% | No min/$250K max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Bask Bank | Interest Savings | 4.35% | No Min/No max | Review |
| EagleBank | High Yield Savings | 4.35% | No min/$500K max | Review |
| Peak Bank | Envision Savings | 4.35% | No min/No max | Review |
| Primis Bank | Savings | 4.35% | $1 min/No max | Review |
| CFG Bank | High Yield Money Market | 4.32% | $1K min/No max | Review |
| EverBank | Savings | 4.30% | No min/No max | Review |
| Popular Direct | High-Rise Savings | 4.30% | $5K min/$1M max | Review |
| Republic Bank | Digital Money Market | 4.30% | $2,500 Min/No max | Review |
| CIBC Bank | Agility Online Savings | 4.28% | $1K min/No max | Review |
| Enzo | High-Yield Checking | 4.27% | No min/No max | Review |
| SFGI Direct Savings | Direct Savings | 4.26% | No min/No max | Review |
| TAB Bank | High Yield Savings | 4.26% | $1 min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.25% | $50K min/No max | Review |
| Forbright Bank | Savings | 4.25% | No min/No max | Review |
| Fierce Finance | Cash Account | 4.25% | No min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.25% | $2.5K min/No max | Review |
| Merchants Bank of Indiana | MMA | 4.25% | No Min/$1M max | Review |
| Northern Bank Direct | Money Market | 4.25% | $500 min/$250K max | Review |
| Styl | Savings | 4.25% | No min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.20% | $1 min/No max | Review |
| Live Oak Bank | Savings Account | 4.20% | $1K min/No max | Review |
| Primis Bank | Premium Checking | 4.20% | $1 min/No max | Review |
| Prime Alliance Bank | Personal Savings | 4.15% | No min/ No max | Review |
| Prime Alliance Bank | Personal Money Market | 4.15% | No min/ No max | Review |
| RBMAX | Max Interest Savings | 4.15% | No min/$249,999.99 max | Review |
| MySavingsDirect | MySavings | 4.10% | No Min/No max | Review |
| North American Savings Bank | Savings | 4.10% | $25K min/No max | Review |
| Elevault | Mobile Banking | 4.08% | No min/$40K max | Review |
| Lafayette Federal Credit Union | Premier Savings | 4.07% | $50K min/No max | Review |
| MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| CNB Bank Direct | High Yield Savings | 4.01% | $1 min/No max | Review |
| Laurel Road | High Yield Savings | 4.00% | No min/$5M max | Review |
| Betterment | Cash Reserve | 4.00% | No min/No max | Review |
| Connexus Credit Union | Money Market | 4.01% | $1M min/No max | Review |
| Salem Five Direct | eOne Savings | 4.01% | No min/$1M max | Review |
| BankPurely | PurelyMoneyMarket | 4.00% | $25k min/No max | Review |
| ConnectOne Bank | Online Savings | 4.00% | $2.5K min/$250K max | Review |
| Dollar Savings Direct | Savings | 4.00% | No min/No max | Review |
| E*Trade | Premium Savings Account | 4.00% | No min/ No max | Review |
| EverBank | Yield Pledge Money Market | 4.00% | $500 min/No max | Review |
| iGObanking | Money Market Account | 4.00% | $25K min/No max | Review |
| Langley Federal Credit Union | Platinum Money Market | 4.00% | $1M min/No max | Review |
| Morgan Stanley | Preferred Savings | 4.00% | $1K min/No max | Review |
| PayPal | Savings | 4.00% | No min/ No max | Review |
| Synchrony Bank | High Yield Savings Account | 4.00% | No min/ No max | Review |
| Wealthfront | Cash | 4.00% | No min/ No max | Review |
| Western State Bank | High Yield Money Market | 4.00% | No min/$3M max | Review |
| PNC Bank | High Yield Savings | 3.95% | No min/No max | Review |
| Barclays | Online Savings Account | 3.90% | No min/No max | Review |
| CFBank | Platinum Money Market | 3.90% | $25K min/No max | Review |
| iGObanking | iGOindexmoneymarket | 3.90% | $25K min/No max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 3.90% | $2,500 min/No max | Review |
| My eBanc | Money Market | 3.90% | $100K min/No max | Review |
| My eBanc | eRelationship Savings | 3.90% | $100K min/No max | Review |
| Sallie Mae Bank | Savings | 3.90% | No min/No max | Review |
| Sallie Mae Bank | Money Market | 3.90% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 3.90% | No min/$10K Max | Review |
| Affirm | Savings | 3.85% | No Min/No max | Review |
| Citi | Citi® Accelerate Savings | 3.80% | No min/No max | Review |
| CNB Bank Direct | Premium Money Market | 3.80% | $25K min/$2M 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 |
| Empower | Cash Account | 3.75% | No min/ No max | Review |
| Jovia Financial Credit Union | Online Savings | 3.75% | $4.95 min/No max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.75% | No min/No max | Review |
| USALLIANCE | High Yield Divided Account | 3.75% | No min/No max | Review |
| Ally Bank | Online Savings Account | 3.70% | No Min/No max | Review |
| Ally Bank | Money Market | 3.70% | No Min/No max | Review |
| American Express® | High Yield Savings account | 3.70% | No min/$5M max | Review |
| BMO Bank | Online Savings | 3.70% | No min/ No max | Review |
| Citizens Access | Online Savings | 3.70% | $5K /$250K max | Review |
| Merrill | Preferred Deposit | 3.67% | $100K min/No Max | Review |
| Capital One 360 | Performance Savings | 3.60% | $10K min/No max | Review |
| FNBO Direct | Online Savings | 3.60% | $1 min/$1M max | Review |
| Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
| Affinity Plus Federal Credit Union | Superior Money Market | 3.50% | No min/$25K max | Review |
| EmigrantDirect | American Dream Savings Account | 3.50% | No min/No max | Review |
| LendingClub | High Yield Savings | 3.50% | $2.5K min/No max | Review |
| Credit Karma | High Yield Savings | 3.10% | 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 |
| Third Federal | Online Savings Plus | 3.00% | $5K 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 | 4.46% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.00% | $200K Min/No Max | Review |
| Bluevine | Premier Business Checking | 3.75% | No Min/$3M Max | Review |
| Live Oak Bank | Business Savings Account | 3.60% | $200K min/No max | Review |
| Capital One | Business Savings | 3.70% | $10K min/$5M 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 |
| American Heritage Credit Union | High Yield Business Savings | 3.35% | $10K min/No max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230K min/No max | Review |
| Lili Banking | Business Banking | 3.00% | No min/No max | Review |
| NBKC Bank | Business Money Market | 2.75% | No min/ No max | Review |
| LendingClub Banking | Business Savings | 2.00% | No min/No max | Review |
| Grasshopper Bank | Business Checking | 1.80% + 1% Cash Back | $10K min/No max | Review |
| Bluevine | Business Checking | 1.50% | No min/$100K max | Review |
| Greenwood Credit Union | Business Money Market | 1.50% | $250K min/ $500K max | Review |
| American Express | Business Checking | 1.30% | No min/ $500K max | Review |
| Paramount Bank | Business Money Market | 1.25% | No min/No 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 |
| LendingClub | Tailored Business Checking | 1.00% | No min/No max | Review |
| Signature Federal Credit Union | Business Money Market | 1.00% | $50K min/No max | Review |
Anthony,
I don’t ever usually leave posts but since the site isn’t providing accurate and updated Banking deposit fee information I thought I would. This is what I found so far;
BankUnitedDirect Money Market: Minimum Deposit of $2500 with a $15 monthly fee if it falls below the minimum amount. Early Account Closing fee of $15 if not opened for six months.
Earn Bank Money Market Account: Minimum Deposit $10,000 with a $10 monthly fee after the third month of account opening.
Please update this so your readers can have actual and true information. Thanks!
Tried three times to apply to Customers Bank for a 2.25 percent interest rate and it would not process. Stay away, it’s not worth the aggravation or the rate. I’m sure too, once they get enough depositors, they’ll lower the rate….thumbs down!!!!
Same problem with Customers Bank Ascent Money Market, failed 2 attempts to get signed up. Now they have all my private info. Is this some kind of scam?
Anthony,
Do you also post mortgage rates?
Hello Tasha,
We do not. Sorry.
Thank you so much Anthony for providing this valuable resource. If I had this years ago, my retirement portfolio would be awesome. Your a great resource!