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.
I’ll review the best bank rates below.
Best Bank Rates & Savings Accounts
Discover Bank Online Savings $150/$200 Bonus + 4.00% APY Rate
Open a Discover Online Savings Account and earn a $200 or $150 bonus with an interest rate of 4.00% APY when you meet the requirements below.
- To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code BCS223 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
- No minimum opening deposit, no minimum balance requirement, and no monthly fees
(See advertiser website for full details. Member FDIC.)
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. 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 interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.
Read more about Discover Bank bonuses here.
SoFi Checking & Savings $275 Bonus + 4.20% APY
Earn more on your money with 4.20% APY and a $275 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $275 bonus + 4.20% 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 |
See SoFi Checking & Savings offers here and all SoFi bonuses here.
CloudBank 24/7 High Yield Savings 5.05% APY
No fees. $1 minimum deposit. 24/7 online access to funds.- Deposits are FDIC insured through Third Coast Bank SSB
- SaveBetter recommends: 5.05% APY* high-yield savings account
(FDIC Insured)
Ponce Bank Money Market 5.05% APY
5.05% APY high-yield MMDA, 8.9x higher than national average.- FDIC insured. No fees.
- Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
(FDIC Insured)
Western Alliance Bank High Yield Savings 5.05% APY
Earn 5.05% APY- Excellent rates with NO fees.
- FDIC insured. $1 minimum deposit. 24/7 online access.
- Special opportunity for consumers to save with the nation’s top commercial bank.
(FDIC Insured)
American First Credit Union Money Market 5.03% APY
5.03% APY money market deposit account, 9.5x higher than national average- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
(NCUA Insured)
OceanFirst Bank High Yield Savings 5.03% APY
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Strong commitment to helping neighbors and businesses meet their financial needs.
- 5.03% APY* high-yield savings account, 12.6x higher than national average.
(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)
Patriot Bank High-Yield Money Market 5.02% APY
5.02% APY high-yield MMDA, 8.8x higher than national average.- FDIC insured. No fees.
- Financial solutions to help you do more of what you love.
(FDIC Insured)
Mission Valley Bank High Yield Savings 5.01% 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.
- SaveBetter recommends: 5.01% APY* high yield savings account — currently 8.8x higher than national average.
(FDIC Insured)
GreenState Credit Union High Yield Savings 5.01% 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
- 5.01% APY High Yield Savings Account (HYSA) — that’s 31.3x higher than national average.
(FDIC Insured)
The Atlantic Federal Credit Union Money Market 5.01% APY
Earn 5.01% APY- NCUA insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Positively impacts the communities they serve.
(NCUA Insured)
FVCbank Money Market Deposit 5.00% APY
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Works to improve the quality of life in the communities they serve
- SaveBetter recommends: 5.00% APY* money market deposit account — currently 8.8x higher than national average.
(FDIC Insured)
Great Lakes Credit Union Money Market 5.00% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- SaveBetter recommends: 5.00% APY high-yield money market deposit account, 9.4x higher than national average
(NCUA Insured)
Blue Federal Credit Union Money Market 4.90% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- 4.90% APY Money Market Deposit Account, 9.2x higher than national average.
(NCUA Insured)
CIT Bank Platinum Savings 4.85% APY
- Earn 4.85% 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)
Hanover Bank Money Market Deposit 4.85% APY
4.85% APY Money Market Deposit Account- Liquidity with an amazing rate.
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
(FDIC Insured)
State Exchange Bank High-Yield Savings 4.85% APY
Earn 4.85% APY with a State Exchange Bank High-Yield Savings account- FDIC insured. No fees.
- Locally-owned independent community bank.
(FDIC Insured)
UFB Premier Money Market Rate Offer 4.81% APY
UFB Direct offers a money market account with a competitive rate. Additionally, this account is available online, nationwide.
- Earn up to 4.81% 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)
Upgrade Premier Savings 4.81% APY
Exceptional 4.81% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
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)
Connexus Credit Union High Yield Savings 4.75% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Not-for-profit with a commitment to service and innovation.
- SaveBetter recommends: 4.75% APY high-yield product
(FDIC Insured)
Quontic Bank Money Market 4.75% APY
Earn 4.75% APY with a Quontic Bank Bank Money Market- No Monthly Maintenance or Overdraft Fees
- $100 minimum deposit required to open an account
(FDIC Insured)
Learn more about Quontic Bank Money Market here.
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)
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)
PNC Bank High Yield Savings 4.50% APY
Idabel National Bank Money Market 4.45% APY
4.45% APY Money Market Deposit Account, 7.8x times the national average APY.- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- An independent community bank since 1921.
(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)
Quontic Bank High Yield Savings 4.25% APY
- Earn 4.25% 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)
Learn more about Quontic Bank High Yield Savings here.
Citi® Accelerate Savings
Capital One 360 Performance Savings 4.00% APY
SkyOne Federal Credit Union Money Market 3.75% APY
Earn 3.75% 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)
Learn more about SkyOne Federal Credit Union Money Market here.
Best Bank Rates
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Brilliant Bank | Money Market | 5.25% | No Min/$500K max | Review |
| CFG Bank | High Yield Money Market | 5.12% | $1K min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 5.07% | $2.5k min/$500k max | Review |
| All America Bank | Mega Money Market® Checking | 5.05% | No min/$75K max | Review |
| Redneck Bank | Mega Money Market | 5.05% | No min/$75K max | Review |
| Salem Five Direct | eOne Savings | 5.01% | No min/$1M max | Review |
| M1 | High Yield Savings | 5.00% | No min/No max | Review |
| Dollar Savings Direct | Savings | 5.00% | No min/No max | Review |
| MyBankingDirect | High Yield Savings | 5.00% | $1.00 min/No max | Review |
| Newtek Bank | High Yield Savings | 5.00% | No min/No max | Review |
| Popular Direct | High-Rise Savings | 5.00% | $5K min/$1M max | Review |
| Primis Bank | Savings | 4.92% | $1 min/No max | Review |
| Primis Bank | Premium Checking | 4.92% | $1 min/No max | Review |
| Vio Bank | Cornerstone Money Market | 4.88% | No min/No max | Review |
| Bask Bank | Interest Savings | 4.85% | No Min/No max | Review |
| First Foundation Bank | Online Savings | 4.85% | $1K Min/No max | Review |
| iGObanking | Money Market Account | 4.85% | $25K min/No max | Review |
| Valley Direct | Online Savings | 4.85% | No min/No Max | Review |
| Ivy Bank | High-Yield Savings | 4.80% | $2.5K min/No max | Review |
| Laurel Road | High Yield Savings | 4.80% | No min/$5M max | Review |
| VirtualBank | eMoney Market | 4.80% | No min/No maxa | Review |
| Connexus Credit Union | MMA | 4.76% | $1M min/No max | Review |
| Merrill | Preferred Deposit | 4.76% | $100K min/No Max | Review |
| TAB Bank | High Yield Savings | 4.76% | $1 min/No max | Review |
| BankPurely | PurelyMoneyMarket | 4.75% | $25k min/No max | Review |
| Merchants Bank of Indiana | MMA | 4.75% | No Min/$1M max | Review |
| Northern Bank Direct | Money Market | 4.75% | $500 min/$250K max | Review |
| Republic Bank | Digital Money Market | 4.75% | $2,500 Min/No max | Review |
| Bread Financial | High-Yield Savings | 4.65% | No min/No max | Review |
| Styl | Savings | 4.63% | No min/No max | Review |
| Morgan Stanley | Preferred Savings | 4.60% | $1K min/No max | Review |
| iGObanking | iGOindexmoneymarket | 4.56% | $25K min/No max | Review |
| Wealthfront | Cash | 4.55% | No min/ No max | Review |
| Western State Bank | High Yield Money Market | 4.55% | No min/$3M max | Review |
| CIBC Bank | Agility Online Savings | 4.52% | $1K min/No max | Review |
| Betterment | Cash Reserve | 4.50% | No min/No max | Review |
| Citizens Access | Online Savings | 4.50% | $5K /$250K max | Review |
| Fitness Bank | Savings Account | 4.50% | $100 min/No 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 |
| TIAA Bank | Savings | 4.50% | No min/No max | Review |
| TIAA Bank | Yield Pledge Money Market | 4.50% | $500 min/No max | Review |
| Empower | Cash Account | 4.45% | No min/ No max | Review |
| CNB Bank Direct | Premium Money Market | 4.39% | $25K min/$2M max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| MySavingsDirect | MySavings | 4.35% | No Min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 4.33% | $100K Min/No max | Review |
| CFBank | Platinum Money Market | 4.30% | $25K min/No max | Review |
| PayPal | Savings | 4.30% | No min/ No max | Review |
| Synchrony Bank | High Yield Savings Account | 4.30% | No min/ No max | Review |
| Third Federal | Online Savings Plus | 4.30% | $5K min/No max | Review |
| My eBanc | eRelationship Savings | 4.29% | $100K min/No max | Review |
| My eBanc | Money Market | 4.29% | $100K min/No max | Review |
| CNB Bank Direct | High Yield Savings | 4.28% | $1 min/No max | Review |
| ConnectOne Bank | Online Savings | 4.25% | $2.5K min/$250K max | Review |
| LendingClub | High Yield Savings | 4.25% | $2.5K min/No max | Review |
| Modern Bank | High Yield Money Market | 4.25% | $100K min/No max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 4.25% | $10K min/No max | Review |
| Rising Bank | High Yield Savings | 4.25% | $1K min/$1M max | Review |
| USALLIANCE | High Yield Divided Account | 4.25% | No min/No max | Review |
| First Foundation Bank | Online Money Market | 4.20% | $1K Min/No max | Review |
| Ivy Bank | Indexed Savings | 4.17% | $2.5K min/No max | Review |
| Affirm | Savings | 4.15% | No Min/No max | Review |
| Ally Bank | Money Market | 4.15% | No Min/No max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 4.15% | $2,500 min/No max | Review |
| Sallie Mae Bank | Money Market | 4.15% | No min/No max | Review |
| Credit Karma | High Yield Savings | 4.10% | No min/No max | Review |
| Modern Bank | Premier Money Market | 4.10% | $1K min/No max | Review |
| MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.05% | $50K min/No max | Review |
| Sallie Mae Bank | Savings | 4.05% | No min/No max | Review |
| SFGI Direct Savings | Direct Savings | 4.01% | No min/No max | Review |
| Ally Bank | Online Savings Account | 4.00% | No Min/No max | Review |
| Barclays | Online Savings Account | 4.00% | $0.01 min/No max | Review |
| Capital One 360 | Performance Savings | 4.00% | $10K min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.00% | $1 min/No max | Review |
| Live Oak Bank | Savings Account | 4.00% | $1K min/No max | Review |
| Quorum Federal Credit Union | HighQ Savings | 4.00% | No min/No max | Review |
| E*Trade | Premium Savings Account | 3.85% | No min/ No max | Review |
| Lafayette Federal Credit Union | Preferred Savings | 3.80% | $20K min/No max | Review |
| Lafayette Federal Credit Union | Premier Savings | 3.80% | $50K min/No max | Review |
| FNBO Direct | Online Savings | 3.75% | $1 min/$1M max | Review |
| Langley Federal Credit Union | Platinum Money Market | 3.75% | $1M min/No max | Review |
| Smarty Pig | High Yield Savings | 3.75% | No min/$10K Max | Review |
| First Internet Bank | Money Market | 3.66% | $4K min/No max | Review |
| American Heritage Credit Union | High Yield Savings | 3.55% | $10K min/ No 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 |
| Chevron Federal Credit Union | MarketEdge Money Market Savings | 3.50% | $250K min/No max | Review |
| EmigrantDirect | American Dream Savings Account | 3.50% | No min/No max | Review |
| Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 3.50% | $250K min/No max | Review |
| Luana Savings Bank | Money Market | 3.25% | $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 |
| Alliant Credit Union | High Yield Savings | 3.10% | No min/No max | Review |
| Paramount Bank | High-Interest Checking | 3.00% | No Min/$99,999.99 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 |
| T-Mobile Money | Checking Account | 2.50% | No Min/No max | Review |
| The Federal Savings Bank | Virtual Money Market | 2.50% | $2K min/No max | Review |
| Synchrony Bank | Money Market | 2.24% | No min/No max | Review |
| Bethpage Federal Credit Union | Money Market | 2.00% | $500 Min/No max | Review |
| Chime ($100 bonus) | Savings | 2.00% | No Min/No max | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund | 2.00% | $1.00 min/No max | Review |
| Bank5 Connect | High-Interest Savings | 1.50% | $100 min/No max | Review |
| Banesco | BanesFlex Money Market | 1.35% | $300 min/$50K max | Review |
| Banesco | BanesGrow Savings | 1.35% | $300 min/$50K max | Review |
| National Cooperative Bank | Impact Money Market | 1.16% | $5K min/No max | Review |
| Vibrant Credit Union | Money Market | 1.15% | $200K+ Min/No max | Review |
| Bank Onward | Online Savings | 1.00% | No min/No max | Review |
| Bellco Credit Union | Premier Money Market Account | 1.00% | $50K min/No max | Review |
| Gateway First Bank | Money Market | 1.00% | $100K min/No max | Review |
| Patelco Credit Union | Money Market Select Account | 1.00% | No Min/$2K max | Review |
| SkyOne Federal Credit Union | High Yield Savings | 1.00% | $1K 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 | 5.10% | No min/No max | Review |
| Live Oak Bank | Business Savings Account | 4.00% | $1K min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.00% | $200K Min/ No Max | Review |
| LendingClub Banking | Business Savings | 3.60% | No min/No max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.55% | $10K min/No max | Review |
| Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
| First Internet Bank | Business Money Market Savings | 3.35% | No Min/$5M max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.10% | No min/$999,999 max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230K 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 |
| Bluevine | Business Checking | 2.00% | No min/$100K max | Review |
| Lili Banking | Business Banking | 2.00% | No min/No max | Review |
| NBKC Bank | Business Money Market | 2.00% | No min/ No max | Review |
| Paramount Bank | Business Money Market | 2.00% | No min/No 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 |
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!