Best Bank Rates & Savings Accounts – September 2019

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.

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, HSBC Direct, and CIT Bank are all available online, nationwide.

If you want a local branch, the Chase Savings account offers a nice sign-up bonus.

Discover Bank Online Savings (Available Nationwide)

Open a Discover Online Savings Account offers $200 or $150 bonus with an interest rate of 1.90% APY when you meet the requirements below.

• Earn $200/$150 Bonus with promo code BCS919 by 10/07/2019
• Fund your first savings account with a minimum of $25K by 10/21/2019 to earn the $200 Bonus
• Fund your first savings account with a minimum of $15K by 10/21/2019 to earn the $150 Bonus
• Earn high interest rate of 1.90% 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)

Axos Bank UFB Direct 2.25% APY (Available Nationwide)

Axos Bank UFB Direct’s High Yield Savings Account is offering a 2.25% 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 2.25% 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)

CIT Bank Savings Builder Account (Available Nationwide)

Get up to 2.20% APY with this new online Savings account from CIT Bank.

• Current rate offer: up to 2.20% 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)

BBVA Money Market (Available Nationwide)

Available for in-footprint states, BBVA is offering you a chance to earn 2.00% APY on unlimited balance for 12 months on their Money Market Account.

• Earn this exceptional rate on your entire balance
• $25 minimum opening deposit required
• Get a competitive rate, with tiered interest to grow your money faster
• Interest compounds and is credited monthly
• Easily withdraw money in branch & at BBVA ATMs w/no fees
• Enjoy 24/7 online access with Online and Mobile Banking

(Visit BBVA for more details)

Chase Savings^SM Account Bonus Offer

Earn a $150 bonus when you open a new Chase Savings^SM account and  deposit a total of $10,000 or more in new money within 20 days. You must  also maintain a $10,000 balance for 90 days.

• What you’ll get: $150 bonus
• Eligible account: Chase Savings^SM
• Credit inquiry: Soft pull, which does not affect your credit
• Where it’s available: Online  Nationwide  except  Alaska, Hawaii, and  Puerto  Rico (Bank Locator)
• How to earn it: Open a new Chase Savings℠ account and deposit $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days.
• When you’ll receive it: After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
• Monthly fee: $12; waived by doing one of the following:
  • Keep a minimum daily balance of $300 or more in your savings account
  • Have at least one repeating automatic transfer of $25 or more from your Chase personal checking account (available only through Chase Online^SM Banking)
  • Have a linked Chase Premier Plus Checking^SM, Chase Premier Platinum Checking^SM, or Chase Private Client Checking^SM account.

(Expires 10/14/2019)

Best Bank Rates 2019

Best State Bank Rates 2019

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.

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 Savings^SM account has a nice sign-up bonus.