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!
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
E*TRADE Premium Savings 4.25% APY + $200 Bonus
NexBank High Yield Savings 4.25% APY + $1000 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- NexBank gives back to their local communities.
- Earn 4.25% APY
(FDIC Insured)
CIT Bank Platinum Savings Up to 4.25% APY
- Needs to use promo code to qualify: BOOST50
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
With 6 month boost, you earn:
| Tier | Boost APY | Multiplier |
| Balance over $5,000 | 4.25%* | 11x2 |
| Balance less than $5,000 | 0.75%* | N/A |
After boost is completed, you will continue to earn our best standard rates:
| Tier | APY | Multiplier |
| Balance over $5,000 | 3.75%*1 | 10x2 |
| Balance less than $5,000 | 0.25%*1 | N/A |
- Earn up to 4.25% 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)
- 1Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- 2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 21, 2026.
- *Platinum Savings APY Boost Promotion Terms and Conditions
- *This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
- Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
- The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
- The promotion can end at any time without notice.
- For complete list of account details and fees, see our Personal Account disclosures.
Centier Bank High-Yield Savings 4.12% APY + $1000 Bonus
No fees from Raisin. $1 minimum deposit.- Family-owned banking rooted in community values.
- Earn 4.12% APY
(FDIC Insured)
Always.Bank Savings 4.10% APY
Earn 4.10% APY - No minimum balance to open or maintain.
- No Fees.
- No transaction limits.
- No monthly maintenance fees.
- Competitive APY and interest rates.
(FDIC Insured)
Live Oak Bank Savings 4.00% APY*
Earn a competitive rate with the Live Oak Bank Savings account.
- Competitive APY: Earn a top-tier APY that is consistently higher than the national average*.
- No Hidden Fees or Minimum to Open: Keep more of what you earn with no monthly maintenance fees and earn our high-yield APY with as little as a $0.01 deposit.
- Built-In Security: Two-factor authentication and real-time fraud monitoring work behind the scenes, while FDIC insurance protects your deposits up to $250,000 per depositor.
- Dedicated U.S.-Based Support: Get help from real, U.S.-based representatives. Live Oak proudly resolves over 90% of issues on the first call.
(FDIC Insured)
Valley Bank High Yield Savings 4.00% APY + $1000 Bonus
24/7 online access to funds.- No fees from Raisin. $1 minimum deposit.
- Earn 4.00% APY
(FDIC Insured)
American First Credit Union Money Market 3.90% APY + $1000 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 3.90% APY
(NCUA Insured)
Western Alliance Bank High-Yield Savings 4.30% APY + $1000 Bonus
FDIC insured- Excellent rates with NO fees from Raisin.
- $1 minimum deposit. 24/7 online access.
- Earn 4.30% APY
(FDIC Insured)
CIT Bank Savings Connect 3.65% APY
Earn 3.65% 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)
- APY — Annual Percentage Yield is accurate as of July 1, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
- Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
- For complete list of account details and fees, see our Personal Account disclosures.
Quontic Bank High Yield Savings 3.50% APY
Earn 3.50% 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)
SoFi Checking & Savings $325 Bonus + 3.30% APY
Earn more on your money with 3.30% APY and a $325 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $325 bonus + 3.30% 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.)
American Express® High Yield Savings Account 3.20% APY
Capital One 360 Performance Savings 3.20% APY
Upgrade Premier Savings 3.05% APY
Exceptional 3.05% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
Best Bank Rates
| PROMOTIONAL LINK | OFFER | REVIEW |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 4.30% APY + $1000 Bonus | Review |
| CIT Bank Platinum Savings | Up to 4.25% APY | Review |
| NexBank High Yield Savings | 4.25% APY + $1000 Bonus | Review |
| Centier Bank High Yield Savings | 4.12% APY + $1000 Bonus | Review |
| Always.Bank Savings | 4.10% APY | Review |
| American First Credit Union Money Market | 4.10% APY + $1000 Bonus | Review |
| Valley Bank High Yield Savings | 4.00% APY + $1000 Bonus | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Live Oak Bank Savings | 4.00% APY | Review |
| CIT Bank Savings Connect | 3.65% APY | Review |
| Robinhood Gold | 3.60% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Elevault | Mobile Banking | 4.60% | No min/$40K max | Review |
| GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 4.50% | $10K min/No max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Peak Bank | Envision Savings | 4.27% | No min/No max | Review |
| E*Trade | Premium Savings Account | 4.25% | No min/ No max | Review |
| Forbright Bank | Savings | 4.25% | No min/No max | Review |
| Pibank | Savings (app only) | 4.25% | No min/No max | Review |
| EverBank | Savings | 4.20% | No min/No max | Review |
| Newtek Bank | High Yield Savings | 4.20% | No min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 4.17% | $2.5k min/$500k max | Review |
| CNB Bank Direct | Premium Money Market | 4.11% | $25K min/$2M max | Review |
| Bread Financial | High-Yield Savings | 4.05% | No min/No max | Review |
| CFG Bank | High Yield Money Market | 4.05% | $1K min/No max | Review |
| Primis Bank | Premium Checking | 4.05% | $1 min/No max | Review |
| SFGI Direct Savings | Direct Savings | 4.05% | No min/No max | Review |
| Zynlo Bank | Money Market | 4.05% | No min/$250K max | Review |
| Connexus Credit Union | Money Market | 4.01% | $1M min/No max | Review |
| Brilliant Bank | Money Market | 4.00% | $1K min/$500K max | Review |
| EagleBank | High Yield Savings | 4.00% | No min/$500K max | Review |
| EverBank | Yield Pledge Money Market | 4.00% | $500 min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.00% | $2.5K min/No max | Review |
| Live Oak Bank | Savings Account | 4.00% | $1K min/No max | Review |
| North American Savings Bank | Savings | 4.00% | $25K min/No max | Review |
| Openbank | High Yield Savings | 4.00% | $500 min/No max | Review |
| Poppy Bank | Premier Online Savings | 4.00% | $1K min/No max | Review |
| PNC Bank | High Yield Savings | 3.95% | No min/No max | Review |
| TAB Bank | High Yield Savings | 3.95% | $1 min/No max | Review |
| Bask Bank | Interest Savings | 3.90% | No Min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 3.90% | $50K 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 |
| Prime Alliance Bank | Personal Savings | 3.90% | No min/ No max | Review |
| Prime Alliance Bank | Personal Money Market | 3.90% | No min/ No max | Review |
| Popular Direct | Savings | 3.90% | $5K min/$1M max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 3.85% | $1 min/No max | Review |
| Sallie Mae Bank | Savings | 3.85% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 3.85% | No min/$10K Max | Review |
| MutualOne Bank | Mo Premium Savings | 3.82% | $20K min/No max | Review |
| First Internet Bank | Money Market | 3.77% | $4K min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 3.76% | $100K Min/No max | Review |
| BrioDirect | High Yield Savings | 3.75% | $25 min/No max | Review |
| CIBC Bank | Agility Online Savings | 3.75% | $1K min/No max | Review |
| CFBank | Platinum Money Market | 3.75% | $25K min/No max | Review |
| HUSTL | Money Market | 3.75% | No min/No max | Review |
| Merchants Bank | Money Market | 3.75% | No Min/$1M max | Review |
| Rising Bank | High Yield Savings | 3.75% | $1K min/$1M max | Review |
| Lafayette Federal Credit Union | Premier Savings | 3.66% | $20K min/No max | Review |
| Salem Five Direct | eOne Savings | 3.66% | No min/$1M max | Review |
| Barclays | Tiered Savings | 3.65% | No min/No max | Review |
| All America Bank | Mega Money Market® Checking | 3.60% | No min/$100K max | Review |
| Morgan Stanley | Preferred Savings | 3.60% | $1K min/No max | Review |
| Redneck Bank | Mega Money Market | 3.60% | No min/$100K max | Review |
| Sallie Mae Bank | Money Market | 3.60% | No min/No max | Review |
| PayPal | Savings | 3.55% | No min/ No max | Review |
| Synchrony Bank | High Yield Savings Account | 3.55% | No min/ No max | Review |
| Wealthfront | Cash | 3.55% | No min/ No max | Review |
| Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
| VirtualBank | eMoney Market | 3.51% | No min/No maxa | Review |
| Affinity Plus Federal Credit Union | Superior Money Market | 3.50% | No min/$25K max | Review |
| Empower | Cash Account | 3.50% | No min/ No max | Review |
| Fitness Bank | Savings Account | 3.50% | $100 min/No max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 3.50% | $2,500 min/No max | Review |
| Northern Bank Direct | Money Market | 3.50% | $500 min/$250K max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.50% | No min/No max | Review |
| CNB Bank Direct | High Yield Savings | 3.46% | $1 min/No max | Review |
| Affirm | Savings | 3.45% | No Min/No max | Review |
| Citi | Citi® Accelerate Savings | 3.40% | No min/No max | Review |
| RBMAX | Max Interest Savings | 3.40% | No min/$249,999.99 max | Review |
| USALLIANCE | High Yield Divided Account | 3.40% | No min/No max | Review |
| Vio Bank | Cornerstone Money Market | 3.40% | No min/No max | Review |
| Dollar Savings Direct | Savings | 3.35% | No min/No max | Review |
| Luana Savings Bank | Money Market | 3.35% | $2,500 min/No max | Review |
| MySavingsDirect | MySavings | 3.35% | No Min/No max | Review |
| Lafayette Federal Credit Union | Preferred Savings | 3.25% | $20K 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 |
| Barclays | Online Savings Account | 3.20% | No min/No max | Review |
| Capital One 360 | Performance Savings | 3.20% | $10K min/No max | Review |
| Jovia Financial Credit Union | Online Savings | 3.20% | $4.95 min/No max | Review |
| Alliant Credit Union | High Yield Savings | 3.10% | No min/No max | Review |
| Ally Bank | Online Savings Account | 3.10% | No Min/No max | Review |
| Ally Bank | Money Market | 3.10% | No Min/No max | Review |
| Credit Karma | High Yield Savings | 3.10% | No min/No max | Review |
| Republic Bank | Digital Money Market | 3.02% | $2,500 Min/No max | Review |
| BMO Bank | Online Savings | 3.00% | No min/ No max | Review |
| EmigrantDirect | American Dream Savings Account | 3.00% | No min/No max | Review |
| FNBO Direct | Online Savings | 3.00% | $1 min/$1M max | Review |
| LendingClub | High Yield Savings | 3.00% | $2.5K 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 | 4.08% | No min/No max | Review |
| Lili Banking | Business Banking | 4.00% | $500K min/No max | Review |
| Prime Alliance Bank | Business Savings | 3.90% | $200K Min/No Max | Review |
| Capital One | Business Savings | 3.50% | $10K min/$5M max | Review |
| Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.20% | $10K min/No max | Review |
| Bluevine | Premier Business Checking | 3.00% | No Min/$3M Max | Review |
| First Internet Bank | Business Money Market Savings | 2.94% | No Min/$5M max | Review |
| Heritage Bank | Business Jumbo Deposit | 2.77% | $230K min/No max | Review |
| Live Oak Bank | Business Savings Account | 2.75% | $200K 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!