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!
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.
Table of Contents
Savings Vs. Money Market Accounts
Money Market account(MMA) is very familiar to a traditional Savings Account. Their key similarities include both are simple and straightforward to open, FDIC insured, keeping your deposits safe. Both accounts will be limited on certain types of withdrawals per billing cycle (6 is the limit for these certain types by law).
What are their differences? Money Market accounts typically have more Checking-like features, such as electronic funds transfers, checks, debit cards and ATM withdrawals.
Savings accounts generally only allow access to fund via electronic funds transfers, telephone withdrawals, or in-person withdrawals at a branch. As you’ll notice below, Money Market accounts often require higher minimum balances to earn the rate.
Editor’s Choice Best Savings Accounts
The following rates are better than what will find at your local brick & mortar branch. Accounts from Discover Bank and CIT Bank are all available online, nationwide.
If you want a local branch, the Chase Savings account offers a nice sign-up bonus.
CIT Bank Savings Builder Account $300 Bonus + 1.75% APY
Get up to 1.75% APY with this new online Savings account from CIT Bank. In addition, Get a $150 or $300 bonus when you open an account. Earn a $150 bonus with a $25,000 to $49,999 deposit or $300 bonus with $50,000 or more.
- Current rate offer: up to 1.75% APY
- $100 minimum to open
- There are no opening, monthly servicing, online transfer or incoming wire fees.
- Maintain at least a $25,000 balance OR make at least one single deposit of $100 or more each month to earn the highest rate.
(Rate is subjected to change)
Learn more about CIT Bank bonuses here.
Discover Bank Online Savings $200 Bonus + 1.50% APY
Open a Discover Online Savings Account offers $200 or $150 bonus with an interest rate of 1.50% APY when you meet the requirements below.
- Earn $200/$150 Bonus with promo code BCS320 by 4/06/2020
- Fund your first savings account with a minimum of $25K by 4/20/2020 to earn the $200 Bonus
- Fund your first savings account with a minimum of $15K by 4/20/2020 to earn the $150 Bonus
- Earn high interest rate of 1.50% APY
- No minimum opening deposit, no minimum balance requirement, and no monthly fees
- Interest on Discover Online Savings Accounts is compounded daily and credited monthly
(See advertiser website for full details. Member FDIC.)
Read more about Discover Bank bonuses here.
Axos Bank UFB Direct 1.70% APY (Available Nationwide)
Axos Bank UFB Direct’s High Yield Savings Account is offering a 1.70% APY on balances of $10,000 or more. The account offers free online banking tools, all with no monthly maintenance fees.
- The UFB High Yield Savings Account offers up to 1.70% APY with interest compounded daily.
- Account balances $10,000.00 and above will earn the variable ongoing APY on the full account balance.
- The minimum deposit to open a UFB Direct High Yield Savings Account is only $100.
- FDIC insured to the maximum allowable limit.
(FDIC Insured)
Learn more about Axos Bank bonuses here.
Best Bank Rates 2020
| Bank | Account Type | APY | Terms | Hard/Soft Pull | Review |
|---|---|---|---|---|---|
| Fitness Bank | Savings Account | 2.10% | $100 min/No max | ? | Review |
| Affinity Plus Federal Credit Union | Money Market | 2.02% | No min/$25K max | ? | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund | 2.00% | $500 min/No max | ? | Review |
| Prime Alliance Bank | Personal Savings | 1.96% | $10K min/No max | ? | Review |
| Varo | Savings Account | 1.92% | No min/No max | ? | Review |
| CFG Bank | Online High Yield Money Market | 1.90% | $25K/No max | ? | Review |
| Earn Bank | Money Market Account | 1.85% | No min/No max | ? | Review |
| TotalDirectBank | Money Market | 1.85% | $5K min/No max | ? | Review |
| Western State Bank | Money Market Account | 1.85% | No min/$3M max | ? | Review |
| CIT Bank | Money Market | 1.80% | $100 min/No max | Soft Pull | Review |
| SkyOne Federal Credit Union | High Yield Savings | 1.80% | $1K min/$No max | ? | Review |
| CIT Bank | Savings Builder | 1.75% | $100/25K min/No max | Soft Pull | Review |
| First Foundation Bank | Online Savings | 1.75% | $1K Min/No max | ? | Review |
| Live Oak Bank | Savings Account | 1.75% | No min/$5M max | Soft Pull | Review |
| Patriot Bank | Money Market | 1.75% | No min/No max | ? | Review |
| Simple | Savings Account | 1.75% | $2K min/ No max | Soft Pull | Review |
| TIAA Bank | Money Market Account | 1.75% | $5K min/$250K max | ? | Review |
| VIO Bank | Online Savings Account | 1.75% | $500 min/$250K max | ? | Review |
| SFGI Direct | Savings | 1.71% | No min/No max | ? | Review |
| able Banking | Money Market | 1.70% | $250 min/No max | Soft Pull | Review |
| American Express Bank | High-Yield Savings | 1.70% | No min/$5M max | Hard Pull | Review |
| Citizens Access | Online Savings Account | 1.70% | $5K min/No max | ? | Review |
| Comenity Direct | High Yield Savings | 1.70% | $1 min/$10 M max | Soft Pull | Review |
| HSBC Bank | Direct Savings | 1.70% | $1 min/No max | Soft Pull | Review |
| Marcus By Goldman Sachs | Online Savings | 1.70% | No min/No max | Soft pull | Review |
| Popular Direct | Ultimate Savings | 1.70% | $5K min/No max | ? | Review |
| TAB Bank | High Yield Savings | 1.70% | No min/No max | ? | Review |
| UFB Direct | High Yield Savings | 1.70% | $25K min/No max | Soft Pull | Review |
| WebBank | High Yield Savings | 1.66% | $1K min/$500K max | ? | Review |
| BrioDirect | High Yields Online Savings | 1.65% | $25/No max | ? | Review |
| One American Bank | Savings | 1.62% | $50K min/No max | ? | Review |
| First Internet Bank | Money Market | 1.61% | $100 min/No max | Soft Pull | Review |
| First Internet Bank | Business Money Market | 1.61% | $100 min/No max | Soft Pull | Review |
| Alliant Credit Union | High Yield Savings | 1.60% | $100 min/No max | Soft Pull | Review |
| Barclays | Online Savings | 1.60% | No min/No max | ? | Review |
| CitiBank | Savings Account | 1.60% | No min/No Max | Soft Pull | Review |
| PNC Bank (Many States) | High Yield Savings Account | 1.60% | $1 min/No max | Soft Pull | Review |
| Quontic Bank | Money Market Account | 1.60% | $150K min/No max | ? | Review |
| All America Bank | Mega Money Market | 1.50% | No min/$50K max | Soft Pull | Review |
| Ally Bank | Online Savings | 1.50% | No min/No max | Soft Pull | Review |
| BMO Harris | Platinum Money Market | 1.50% | $5K min/No max | Soft Pull | Review |
| Capital One 360 | Performance Savings | 1.50% | $10K min/No max | Soft pull | Review |
| CFBank | MMA | 1.50% | $25K min/No max | ? | Review |
| Discover Bank | Online Savings Account | 1.50% | No min/No max | Soft Pull | Review |
| Dollar Savings Direct | High Interest Savings | 1.50% | No min/No max | ? | Review |
| Investors Bank | eAccessMoney Market | 1.50% | No min/$2M max | Soft Pull | Review |
| Pacific National Bank | Money Market Account | 1.50% | $5K min/ No max | ? | Review |
| PurePoint Financial | Online Savings Account | 1.50% | $10K min/No max | ? | Review |
| Redneck Bank | Mega Money Market | 1.50% | No min/$50K max | Soft Pull | Review |
| Rising Bank | High Yield Savings | 1.50% | $1K min/$500K max | ? | Review |
| Sallie Mae Bank | Money Market | 1.50% | No min/No max | Soft Pull | Review |
| State Bank of India | Money Market | 1.50% | $1 min/$No max | Soft Pull | Review |
| SunTrust Bank | Advantage Money Market | 1.50% | $10K min/No max | ? | Review |
| Synchrony Bank | High Yield Savings | 1.50% | $1K min/$5M max | ? | Review |
| CNB Bank Direct | Premium Money Market | 1.46% | $25k min/$2M max | ? | Review |
| CIBC Bank | Agility Savings | 1.45% | $1K min/$1M max | ? | Review |
| Bank5 Connect | High-Interest Savings | 1.40% | $100 min/No max | Hard Pull | Review |
| Bank 7 | Savings | 1.40% | $100 min/No max | ? | Review |
| Bank 7 | Online Money Market Account | 1.40% | $5K min/$100K max | ? | Review |
| Discover Bank | Money Market | 1.40% | $100K min/No max | Soft Pull | Review |
| PenFed Credit Union | Online Savings | 1.40% | $1.00 min/No max | ? | Review |
| Sallie Mae Bank | Savings Account | 1.40% | No min/No max | Soft Pull | Review |
| Mutual Bank of Omaha | Money Market | 1.26% | $1K min/$1M max | Soft Pull | Review |
| BBVA | Money Market | 1.25% | No min/No max | Soft Pull | Review |
| VirtualBank | eMoney Market Account | 1.25% | No min/No max | ? | Review |
| Colorado Federal Savings Bank | Premier Savings | 1.20% | $50K min/No max | ? | Review |
| Umbrellabank | Money Market Account | 1.11% | $25K min/No max | ? | Review |
| Bay State Bank | Money market Account | 1.10% | No min/No max | ? | Review |
| Huntington Bank | Relationship Money Market | 1.10% | $25K min/$2M max | Soft Pull | Review |
| My e-BAnC | eRelationship Savings | 1.10% | $25K min/$100K max | Soft Pull | Review |
| Northfield Bank | Platinum Savings Bank | 1.05% | No min/$100K max | ? | Review |
| Northpointe Bank | Ultimate Money Market | 1.05% | $25K min/$1M max | Soft Pull | Review |
| Northpointe Bank | Ultimate Savings | 1.05% | $25k min/No max | ? | Review |
| MutualOne Bank | Online Savings Account | 1.01% | $10 min/$1M max | ? | Review |
| State Farm Bank | Money Market Account | 1.01% | $1K min/$5M max | ? | Review |
| Aspiration | Spend & Save Account | 1.00% | $10/No max | ? | Review |
| BankUnitedDirect | Money Market | 1.00% | No min/No max | ? | Review |
| Capital One 360 | 360 Checking | 1.00% | $100K min/No max | Soft Pull | Review |
| Capital One 360 | 360 Savings | 1.00% | No min/No max | Soft Pull | Review |
| Colorado Federal Savings Bank | High Yield Savings | 1.00% | $1/No max | Soft Pull | Review |
| Elements Financial | Helium Savings | 1.00% | $2,500 min/ $250,000 max | Soft Pull | Review |
| FNBO Direct | Online Savings Account | 1.00% | No min/$1M max | ? | Review |
| Huntington Bank | Business Premier Money Market | 1.00% | $10K min/$2M max | Soft Pull | Review |
| My e-BAnC | Money Market Account | 1.00% | $5K min/$No max | ? | Review |
| MySavingsDirect | Online Savings Account | 1.00% | No min/No max | Soft Pull | Review |
| Salem Five Direct | eOne Savings Account | 1.00% | No min/$1M max | Hard Pull | Review |
| American Heritage Credit Union | High Yield Savings | 0.90% | $10K min/No max | Soft Pull | Review |
| Bethpage Federal Credit Union | Money Market Account | 0.90% | $500/No max | Soft Pull | Review |
| BankPurely | Money Market Account | 0.75% | $25K min/No max | Soft Pull | Review |
| iGObanking | Money Market | 0.75% | $25K min/No max | ? | Review |
| North American Savings Bank | High Rate Savings Account | 0.75% | $50K min/$5M max | Soft Pull | Review |
| Quorum Federal Credit Union | HighQ Savings | 0.75% | No min/No max | ? | Review |
| EBSB Direct | Money Market | 0.62% | $10K min/No Max | ? | Review |
| Credit Karma | High Yield Savings | 0.56% | $0.01 min/No max | ? | Review |
| Level Bank | Online Checking | 0.50% | No min/ $250,000 max | ? | Review |
| MemoryBank | Money Market | 0.50% | No min/$1M max | ? | Review |
| Superior Choice Credit Union | Money Market | 0.50% | $50K min/No max | Soft Pull | Review |
| IncredibleBank | Money Market Account | 0.35% | $300K/No max | Soft Pull | Review |
| USALLIANCE | High Dividends Savings | 0.33% | $500 min/No max | Soft Pull | Review |
| Betterment | EverydayTMCash Reserve | 0.30% | $10 min/No max | ? | Review |
| Wealthfront | Cash Account | 0.26% | $1 min/$1M max | ? | Review |
| BankPurely | SavePurely | 0.25% | $1 min/No max | Soft Pull | Review |
| Customers Bank | High-Yield Savings | 0.25% | $25K min/No max | Soft Pull | Review |
| iGObanking | High Interest Savings | 0.25% | No min/No max | Hard Pull | Review |
| My Banking Direct | Money Market | 0.25% | $25K min/No max | ? | Review |
| M.Y. Safra Bank | Online Money Market | 0.25% | $5K min/$500K max | ? | Review |
| Radius Bank | High-Yield Savings Account | 0.25% | $25K min/No max | Hard Pull | Review |
| Envision Bank | Savvy Savings | 0.10% | $25 min/No max | ? | Review |
| SoFi $50 bonus | SoFi Money Account | 0.10% | No min/No max | ? | Review |
| Personal Capital | Cash Account | 0.05% | No min/No max | ? | Review |
Best State Bank Rates 2020
Some best bank rates are only available in certain states with much higher interest rate than elsewhere. So if you are looking for alternative options and desire a physical branch nearby where you live to conduct your banking and savings needs, then browse through our listing below to see all the best high interest rates available in specific states.
| Bank | State | Account Type | APY | Terms | Review |
|---|---|---|---|---|---|
| SharePoint Credit Union | MN | eSavings | 3.00% | No min/$10K max | Review |
| First Service Bank | AR | Personal Savings | 2.19% | $5 minimum opening deposit | Review |
| Apco Employees Credit Union | AL | IRA Savings Account | 2.02% | $25 to earn high rate | Review |
| Listerhill Credit Union | AL, TN | Money Market Account | 2.02% | $100k to earn high rate | Review |
| Central Minnesota CU | MN | My Goal Savings | 2.00% | $0+ minimum to earn high rate | Review |
| TBK Bank | TX | MMA | 2.00% | $100K minimum to earn high rate | Review |
| WauBank | AZ, CT, FL, MA, RI, TN, VA | High Yield Online Savings | 1.85% | $5K Minimum to earn rate | Review |
| Kearny Bank | NJ, NY | Relationship Building Money Market | 1.75% | $15k minimum to earn high rate | Review |
| Great Southern Bank | TX | Money Market Savings | 1.73% | $2,500 minimum to earn high rate | Review |
| Citadel | PA | High Yield Savings | 1.70% | $10k minimum to earn high rate | Review |
| Amboy Direct | NJ | eSavings Account | 1.51% | $1.00 min/$250,000 max | Review |
| HarborOne Bank | CT, ME, MA, NH, RI, VT | Remarkable Savings Account | 1.50% | $5K minimum to earn high rate | Review |
| College Savings Bank | AZ | Honor Savings | 1.40% | $250 minimum to earn high rate | Review |
| Home Loan Investment Bank | RI, MA | Savings Account | 1.35% | $50K to earn high rate | Review |
| Sharon Bank | PA | MMA | 1.25% | $25,000 minimum to earn high rate | Review |
| Clinton Savings Bank | MA | Savings Account | 1.01% | $100 minimum to earn high rate | Review |
| Home Loan Investment Bank | RI, MA | Savings Account | 1.00% | $1K min to earn listed rate | Review |
| MapleMark Bank | OK, TX | MMA | 0.85% | $1K min to earn listed rate | Review |
Savings/Money Market Offers You May Like
Find the best nationwide Savings/Money Market Rates and Bank Bonuses currently available. Definitely take a look at the HSBC Direct Savings and CIT Bank Savings Builder accounts offering you industry leading rates nationwide. Additionally, the Chase SavingsSM account has a nice sign-up bonus.
Savings account offers are frequently updated. Find the best nationwide Savings/Money Market rates here, and the best Savings account bonuses here. The UFB High Yield Savings and CIT Bank Savings Builder accounts offer great rates available nationwide. The Discover Online Savings has a nice sign-up bonus plus great rate. |
||
| PROMOTIONAL LINK | RATE | REVIEW |
| CIT Bank Savings Builder | 1.75% APY + $150/$300 Cash | Review |
| Discover Bank Online Savings | 1.50% APY + $200 Cash | Review |
| CIT Bank Money Market | 1.80% APY | Review |
| Simple | 1.75% APY | Review |
| UFB Direct High Yield Savings | 1.70% APY | Review |
| American Express High Yield Savings | 1.70% APY | Review |
| BONUS LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| BBVA Online Checking | $250 Cash | Review |
| CIT Bank Savings Builder | $300 Cash | Review |
| HSBC Premier Checking Member FDIC | $700 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
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First Financial Bank Rewards Checking Account Review: 4.07% APY Up To $15,000
The MINT National Bank CD Account Review: 2.30% APY 13-Month CD Special (Texas only)
UFB Direct High Yield Savings Review: Earn 1.70% APY Rate (Nationwide)
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!