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.
Table of Contents
- 1 Best Bank Rates & Savings Accounts
- 1.1 Discover Bank Online Savings $150/$200 Bonus + 3.30% APY Rate
- 1.2 SoFi Checking & Savings $275 Bonus + 3.75% APY
- 1.3 Western Alliance Bank High Yield Savings 4.23% APY
- 1.4 UFB Best Money Market Rate Offer 4.21% APY
- 1.5 UFB Best Savings Rate Offer 4.21% APY
- 1.6 Great Lakes Credit Union Money Market 4.20% APY
- 1.7 The Atlantic Federal Credit Union Money Market 4.20% APY
- 1.8 State Exchange Bank High-Yield Savings 4.20% APY
- 1.9 American First Credit Union Money Market 4.15% APY
- 1.10 Blue Federal Credit Union Money Market 4.15% APY
- 1.11 mph.bank Money Market 4.15% APY Rate
- 1.12 Third Coast Bank High Yield Savings 4.13% APY
- 1.13 Upgrade Premier Savings 4.13% APY
- 1.14 CIT Bank Savings Connect 4.05% APY
- 1.15 Liberty Savings Bank High-Yield Savings 4.00% APY
- 1.16 BMO Harris Bank Online Savings 4.00% APY
- 1.17 PNC Bank High Yield Savings 4.00% APY
- 1.18 Lemmata Savings Bank Money Market 3.95% APY
- 1.19 SkyOne Federal Credit Union Money Market 3.75% APY
- 1.20 Continential Bank High Yield Savings 3.65% APY
- 1.21 Idabel National Bank Money Market 3.55% APY
- 1.22 Quontic Bank High Yield Savings 3.50% APY
- 1.23 Quontic Bank Money Market 3.50% APY
- 1.24 Capital One 360 Performance Savings 3.30% APY
- 1.25 Ponce Bank Money Market 3.25% APY
- 1.26 Huntington Business Premier Plus Money Market Account 3.10% (3.11% APY) – Guaranteed for 12 Months.
- 1.27 CIBC High Yield Savings 3.03% APY
- 1.28 Marcus by Goldman Sachs Online Savings 2.35% APY
- 2 Best Bank Rates
- 3 Best Business Bank Rates
Best Bank Rates & Savings Accounts
Discover Bank Online Savings $150/$200 Bonus + 3.30% APY Rate
Open a Discover Online Savings Account and earn a $200 or $150 bonus with an interest rate of 3.30% 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 BCS323 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 3/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.
Read more about Discover Bank bonuses here.
SoFi Checking & Savings $275 Bonus + 3.75% APY
Earn more on your money with 3.75% APY and a $275 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $275 bonus + 3.75% 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.
Western Alliance Bank High Yield Savings 4.23% APY
Earn 4.23% 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)
UFB Best Money Market Rate Offer 4.21% APY
UFB Direct offers a money market account with a competitive rate. Additionally, this account is available online, nationwide.
- Earn up to 4.21% 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)
UFB Best Savings Rate Offer 4.21% APY
UFB Direct offers an online savings account with competitive rates. In addition, this account is available online, nationwide.
- Earn up to 4.21% 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)
Great Lakes Credit Union Money Market 4.20% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- SaveBetter recommends: 4.20% APY high-yield money market deposit account, 17.5x higher than national average
(NCUA Insured)
The Atlantic Federal Credit Union Money Market 4.20% APY
Earn 4.20% APY- NCUA insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Positively impacts the communities they serve.
(NCUA Insured)
State Exchange Bank High-Yield Savings 4.20% APY
Earn 4.20% APY with a State Exchange Bank High-Yield Savings account- FDIC insured. No fees.
- Locally-owned independent community bank.
(FDIC Insured)
Learn more about State Exchange Bank High-Yield Savings here.
American First Credit Union Money Market 4.15% APY
4.15% APY money market deposit account, 17.3x higher than national average
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
(NCUA Insured)
Blue Federal Credit Union Money Market 4.15% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- 4.15% APY Money Market Deposit Account, 17.3x higher than national average.
(NCUA Insured)
mph.bank Money Market 4.15% APY Rate
Earn 4.15% 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)
Learn more about mph.bank Money Market here.
Third Coast Bank High Yield Savings 4.13% APY
No fees. $1 minimum deposit. 24/7 online access to funds.- Deposits are FDIC insured through Third Coast Bank SSB
- Third Coast Bank SSB is committed to growing communities and doing good.
- 4.13% APY High Yield Savings
(FDIC Insured)
Upgrade Premier Savings 4.13% APY
Exceptional 4.13% APY, 13x the national average, on $1,000 or more- No monthly account fees or transfer fees
- Online transfers to and from other banks
(FDIC Insured)
CIT Bank Savings Connect 4.05% APY
Earn 4.05% 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)
Learn more about the CIT Bank Savings Connect offers and the latest CIT Bank bonuses here.
Liberty Savings Bank High-Yield Savings 4.00% APY
Earn 4.00% APY with a Liberty Savings Bank High-Yield Savings- FDIC insured. No fees.
- A history of serving communities across America.
(FDIC Insured)
Learn more about Liberty Savings Bank High-Yield Savings here.
BMO Harris Bank Online Savings 4.00% APY
PNC Bank High Yield Savings 4.00% APY
Lemmata Savings Bank Money Market 3.95% APY
3.95% APY Money Market Deposit Account, 13.6x 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)
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.
Continential Bank High Yield Savings 3.65% APY
3.65% APY high-yield savings account, 21.5x higher than national average.- FDIC insured. No fees.
- Community focused Western bank committed to offering great products to help you save.
(FDIC Insured)
Idabel National Bank Money Market 3.55% APY
3.55% APY Money Market Deposit Account, 19.7x 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)
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)
Learn more about Quontic Bank High Yield Savings here.
Quontic Bank Money Market 3.50% APY
- Earn 3.50% 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.
Capital One 360 Performance Savings 3.30% APY
Ponce Bank Money Market 3.25% APY
Earn 3.25% APY with a Ponce Bank High-yield Money Market Deposit Account (MMDA)- FDIC insured. No fees.
- Bank with purpose: your deposit helps us keep investing in underserved communities hard hit by the Covid crisis.
(FDIC Insured)
Huntington Business Premier Plus Money Market Account 3.10% (3.11% APY) – Guaranteed for 12 Months.
Open your Huntington Business Premier Plus Money Market account today and enjoy a (3.11% APY) 3.00% – guaranteed for 12 months.
- What you’ll get: (3.11% APY) 3.00% – guaranteed for 90 days
- Eligible Account: Huntington Business Premier Plus Money Market Account
- Monthly Fee: $10 monthly service fee waived if keep a $10,000 balance
- How to earn it:
- Open a Huntington Business Premier Plus Money Market Account.
- Start taking advantage of this attractive rate with just a few simple steps:
- Open your new account by requesting your unique promotional code and taking it to your local Huntington branch.
- Make your opening deposit with a minimum of $10,000 not currently deposited at Huntington.
- Watch your savings grow at 3.10% (3.11% APY) guaranteed for 12 months.
- Expiration Date: 02/04/2023
(FDIC Insured)
CIBC High Yield Savings 3.03% APY
Marcus by Goldman Sachs Online Savings 2.35% APY
Learn more about the Marcus by Goldman Sachs Online Savings here.
Best Bank Rates
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Primis Bank | Savings | 5.03% | $1 min/No max | Review |
| BankPurely | PurelyMoneyMarket | 4.45% | $25k min/No max | Review |
| iGObanking | Money Market Account | 4.45% | $25K min/No max | Review |
| Republic Bank | Digital Money Market | 4.37% | $2,500 Min/No max | Review |
| MySavingsDirect | MySavings | 4.35% | No Min/No max | Review |
| Brilliant Bank | Money Market | 4.30% | No Min/$500K max | Review |
| CFG Bank | High Yield Money Market | 4.30% | $1K min/No max | Review |
| Popular Direct | High-Rise Savings | 4.26% | $5K min/$1M max | Review |
| All America Bank | Mega Money Market® Checking | 4.25% | No min/$75K max | Review |
| Redneck Bank | Mega Money Market | 4.25% | No min/$75K max | Review |
| Western State Bank | High Yield Money Market | 4.25% | No min/$3M max | Review |
| First Foundation Bank | Online Savings | 4.20% | $1K Min/No max | Review |
| First Foundation Bank | Online Money Market | 4.20% | $1K Min/No max | Review |
| My eBanc | eRelationship Savings | 4.18% | $100K min/No max | Review |
| My eBanc | Money Market | 4.18% | $100K min/No max | Review |
| Vio Bank | Cornerstone Money Market | 4.17% | No min/No max | Review |
| Bask Bank | Interest Savings | 4.15% | No Min/No max | Review |
| Salem Five Direct | eOne Savings | 4.10% | No min/$1M max | Review |
| Merchants Bank of Indiana | MMA | 4.08% | No Min/$1M max | Review |
| MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| TAB Bank | High Yield Savings | 4.06% | $1 min/No max | Review |
| Customer Bank | High-Yield Savings | 4.05% | No min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.05% | $2.5K min/No max | Review |
| MyBankingDirect | High Yield Savings | 4.05% | $1.00 min/No max | Review |
| Enzo | High-Yield Checking | 4.03% | No min/No max | Review |
| Ivy Bank | Indexed Savings | 4.03% | $2.5K min/No max | Review |
| Connexus Credit Union | MMA | 4.01% | $1M min/No max | Review |
| Bread Financial | High-Yield Savings | 4.00% | No min/No max | Review |
| CFBank | Platinum Money Market | 4.00% | $25K min/No max | Review |
| Fitness Bank | Savings Account | 4.00% | $100 min/No max | Review |
| LendingClub | High Yield Savings | 4.00% | $2.5K min/No max | Review |
| Morgan Stanley | Preferred Savings | 4.00% | $1K min/No max | Review |
| Third Federal | Online Savings Plus | 4.00% | $5K min/No max | Review |
| Valley Direct | Online Savings | 4.00% | No min/No Max | Review |
| Merrill | Preferred Deposit | 3.98% | $100K min/No Max | Review |
| ConnectOne Bank | Online Savings | 3.90% | $2.5K min/$250K max | Review |
| iGObanking | iGOindexmoneymarket | 3.90% | $25K min/No max | Review |
| Personal Capital | Cash Account | 3.85% | No min/ No max | Review |
| b1BANK | High Yield Savings | 3.80% | 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 |
| Wealthfront | Cash | 3.80% | No min/ No max | Review |
| CIBC Bank | Agility Online Savings | 3.77% | $1K min/No max | Review |
| Betterment | Cash Reserve | 3.75% | No min/No max | Review |
| Citizens Access | Online Savings | 3.75% | $5K /$250K max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 3.75% | $10K min/No max | Review |
| PayPal | Savings | 3.75% | No min/ No max | Review |
| Synchrony Bank | High Yield Savings Account | 3.75% | No min/ No max | Review |
| Prime Alliance Bank | Personal Savings | 3.65% | No min/ No max | Review |
| Prime Alliance Bank | Personal Money Market | 3.65% | No min/ No max | Review |
| BMO Harris | Online Savings | 3.60% | No min/ No max | Review |
| Sallie Mae Bank | Money Market | 3.60% | No min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 3.56% | $100K Min/No max | Review |
| Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
| SFGI Direct Savings | Direct Savings | 3.51% | No min/No max | Review |
| Affirm | Savings | 3.50% | No Min/No max | Review |
| Dollar Savings Direct | Savings | 3.50% | No min/No max | Review |
| E*Trade | Premium Savings Account | 3.50% | No min/ No max | Review |
| EmigrantDirect | American Dream Savings Account | 3.50% | No min/No max | Review |
| Live Oak Bank | Savings Account | 3.50% | $1K min/No max | Review |
| Rising Bank | High Yield Savings | 3.50% | $1K min/$1M max | Review |
| Sallie Mae Bank | Savings | 3.50% | No min/No max | Review |
| TIAA Bank | Basic Savings | 3.50% | No min/No max | Review |
| USALLIANCE | High Yield Divided Account | 3.50% | No min/No max | Review |
| Barclays | Online Savings Account | 3.40% | $0.01 min/No max | Review |
| Citi | Citi® Accelerate Savings | 3.40% | No min/No max | Review |
| First Internet Bank | Money Market | 3.35% | $4K min/No max | Review |
| TIAA Bank | Yield Pledge Money Market | 3.35% | $500 min/No max | Review |
| Ally Bank | Online Savings Account | 3.30% | No Min/No max | Review |
| Ally Bank | Money Market | 3.30% | No Min/No max | Review |
| Bank7 | Online Savings | 3.30% | No min/$1M max | Review |
| Bank7 | Online Money Market | 3.30% | No min/$1M max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 3.30% | $2,500 min/No max | Review |
| VirtualBank | eMoney Market | 3.30% | No min/No maxa | Review |
| Northern Bank Direct | Money Market | 3.25% | $500 min/$250K max | Review |
| Northpointe Bank | Ultimate Money Market | 3.25% | $25K min/$3Mmax | Review |
| Northpointe Bank | Ultimate Savings | 3.25% | $25K min/$3Mmax | Review |
| American Heritage Credit Union | High Yield Savings | 3.20% | $10K min/ No max | Review |
| Langley Federal Credit Union | Platinum Money Market | 3.10% | $1M min/No max | Review |
| Modern Bank | Premier Money Market | 3.10% | $1K min/No max | Review |
| Smarty Pig | High Yield Savings | 3.10% | No min/$10K Max | Review |
| Colorado Federal Savings Bank | Premier Savings | 3.05% | $50K min/No max | Review |
| CNB Bank Direct | Premium Money Market | 3.04% | $25K min/$2M max | Review |
| Chevron Federal Credit Union | MarketEdge Money Market Savings | 3.00% | $250K min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 3.00% | $1 min/No max | Review |
| FNBO Direct | Online Savings | 3.00% | $1 min/$1M max | Review |
| Laurel Road | High Yield Savings | 3.00% | No min/$5M max | Review |
| Luana Savings Bank | Money Market | 3.00% | $2,500 min/No max | Review |
| Paramount Bank | High-Interest Checking | 3.00% | No Min/$99,999.99 Max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.00% | No min/No max | Review |
| Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 3.00% | $250K min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 3.00% | $2.5k min/$500k max | Review |
| Varo Bank | Money Savings | 3.00% | $0.01 Min/$15K Max | Review |
| CNB Bank Direct | High Yield Savings | 2.94% | $1 min/No max | Review |
| Alliant Credit Union | High Yield Savings | 2.70% | No min/No max | Review |
| Sun East Federal Credit Union | MAX-Yield Money Market | 2.60% | $5K/No 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 |
| Penfed Credit Unon | Premium Online Savings | 2.30% | No min/No max | Review |
| Synchrony Bank | Money Market | 2.25% | No min/No max | Review |
| Affinity Plus Federal Credit Union | Superior Money Market | 2.00% | No min/$25K 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 |
| Customers Bank | Ascent Market Savings Account | 1.50% | $25K 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 | 4.46% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 3.65% | $200K Min/ No Max | Review |
| LendingClub Banking | Business Savings | 3.60% | No min/No max | Review |
| Live Oak Bank | Business Savings Account | 3.50% | $1K min/No max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.20% | $10K min/No max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230K min/No max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.00% | No min/$999,999 max | Review |
| First Internet Bank | Business Money Market Savings | 2.84% | No Min/$5M max | Review |
| Sun East Federal Credit Union | Business MAX-Yield Money Market | 2.60% | $2.5K min/No max | Review |
| Financial Resources Federal Credit Union | Business Purple Savings | 2.02% | $100K min/No max | Review |
| Bluevine | Business Checking | 2.00% | No min/$100K max | Review |
| Grasshopper Bank | Business Checking | 1.51% | $10K min/No max | Review |
| Lili Banking | Business Banking | 1.50% | 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 |
| NBKC Bank | Business Money Market | 1.26% | No min/ No max | Review |
| Greenwood Credit Union | Business Money Market | 1.25% | $250K min/ $500K max | Review |
| Paramount Bank | Business Money Market | 1.10% | 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 |
| Signature Federal Credit Union | Business Money Market | 1.00% | $50K min/No max | Review |
Related posts:
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!