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!
Update 10/17/24: 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
Quontic Bank Money Market 5.00% APY
- Earn 5.00% APY with a Quontic Bank Bank Money Market
- No Monthly Maintenance or Overdraft Fees
- $100 minimum deposit required to open an account
(FDIC Insured)
CIT Bank Platinum Savings 4.70% APY
- Earn 4.70% 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)
Upgrade Premier Savings 4.69% APY
- Exceptional 4.69% APY on balances of $1000 or more
- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
SkyOne Federal Credit Union Money Market 4.65% APY
- Federally insured by NCUA.
- Start saving with as little as $1 minimum deposit.
- Earn 4.65% APY
(NCUA Insured)
American First Credit Union Money Market 4.65% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Earn 4.65% APY
(NCUA Insured)
Paprika Capital Bank High Yield Savings 4.61% APY
- FDIC insured. No fees. $1 minimum deposit.
- Gives back to organizations who are a force for good.
- Earn 4.61% APY
(FDIC Insured)
CloudBank 24/7 High Yield Savings 4.57% APY
- No fees. $1 minimum deposit. 24/7 online access to funds.
- Deposits are FDIC insured through Third Coast Bank SSB
- Earn 4.57% APY
(FDIC Insured)
Grand Bank Money Market 4.57% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Family-owned bank that prioritizes customer relationships.
- Earn 4.57% APY
(FDIC Insured)
Harborstone Credit Union Money Market Deposit 4.55% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Supports local organizations focused on financial literacy, community safety, and more.
- Earn 4.55% APY
(NCUA Insured)
Mission Valley Bank High Yield Savings 4.51% 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.
- Earn 4.51% APY
(FDIC Insured)
Blue Federal Credit Union Money Market 4.50% APY
- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
- Earn 4.50% APY
(NCUA Insured)
Liberty Savings Bank High-Yield Savings 4.50% APY
- Earn 4.50% APY high-yield savings account
- FDIC insured. No fees.
- A history of serving communities across America.
(FDIC Insured)
mph.bank Money Market 4.50% APY Rate
- Earn 4.50% 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)
Western Alliance Bank High-Yield Savings Premier 4.46% APY
- Earn 4.46% APY1
- FDIC insured
- Open your account online in five minutes or less
- No account activity or maintenance fees
- Enhanced security by connecting one external account where money can be moved to and from
- Open with $500 minimum deposit
1The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
(FDIC Insured)
Customers Bank High Yield Savings 4.41% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Gives back to schools and organizations in their local communities.
- Earn 4.41% APY
(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)
CIT Bank Savings Connect 4.35% APY
Earn 4.35% 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)
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)
SoFi Checking & Savings $325 Bonus + 4.20% APY
Earn more on your money with 4.20% APY and a $325 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $325 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:
- 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.)
RBMAX High Yield Savings 4.15% APY
- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Combines the benefits of big banks with the commitment to enhance local communities.
- Earn 4.15% APY
(FDIC Insured)
Capital One 360 Performance Savings 4.00% APY
Discover® Bank Online Savings 4.00% APY Rate
- Earn high interest rate of 4.00% APY
- No minimum opening deposit, no minimum balance requirement, and now no fees
- Interest on Discover Online Savings Accounts is compounded daily and credited monthly
- Manage your account online or with the Discover mobile app
- FDIC insurance up to $250,000
(See advertiser website for full details. Member FDIC.)
GreenState Credit Union High Yield Savings 3.90% 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
- Earn 3.90% APY
(FDIC Insured)
Best Bank Rates
Bank | Account Type | APY | Terms | Review |
---|---|---|---|---|
Pibank | Savings (app only) | 5.50% | No min/No max | Review |
Newtek Bank | High Yield Savings | 5.25% | No min/No max | Review |
TotalDirectBank | Direct Money Market Deposit | 5.11% | $2.5k min/$500k max | Review |
Peak Bank | Envision Savings | 5.07% | No min/No max | Review |
EverBank | Savings | 5.05% | No min/No max | Review |
Valley Direct | Online Savings | 5.05% | No min/No Max | Review |
Vio Bank | Cornerstone Money Market | 5.05% | No min/No max | Review |
Betterment | Cash Reserve | 5.00% | No min/No max | Review |
BrioDirect | High Yield Savings | 5.00% | $25 min/No max | Review |
Fitness Bank | Savings Account | 5.00% | $100 min/No max | Review |
Forbright Bank | Savings | 5.00% | No min/No max | Review |
Ivy Bank | High-Yield Savings | 5.00% | $2.5K min/No max | Review |
Modern Bank | High Yield Money Market | 5.00% | $100K min/No max | Review |
MyBankingDirect | High Yield Savings | 5.00% | $1.00 min/No max | Review |
Poppy Bank | Premier Online Savings | 5.00% | $1K min/No max | Review |
Zynlo Bank | Money Market | 5.00% | No min/$250K max | Review |
State Bank of Texas | Jumbo Money Market | 4.96% | $100K Min/No max | Review |
CFG Bank | High Yield Money Market | 4.90% | $1K min/No max | Review |
First Foundation Bank | Online Savings | 4.90% | $1K Min/No max | Review |
First Foundation Bank | Online Money Market | 4.90% | $1K Min/No max | Review |
Bask Bank | Interest Savings | 4.85% | No Min/No max | Review |
Brilliant Bank | Money Market | 4.85% | $1K min/$500K max | Review |
Dollar Savings Direct | Savings | 4.85% | No min/No max | Review |
EagleBank | High Yield Savings | 4.85% | No min/$500K max | Review |
Northern Bank Direct | Money Market | 4.85% | $500 min/$250K max | Review |
Jenius Bank | Savings | 4.80% | No min/ No max | Review |
Popular Direct | High-Rise Savings | 4.76% | $5K min/$1M max | Review |
Bread Financial | High-Yield Savings | 4.75% | No min/No max | Review |
Evergreen Bank Group | High Yield Savings | 4.75% | $100 min/No Max | Review |
Fierce Finance | Cash Account | 4.75% | No min/No max | Review |
Jovia Financial Credit Union | Online Savings | 4.75% | $4.95 min/No max | Review |
Merchants Bank of Indiana | MMA | 4.75% | No Min/$1M max | Review |
North American Savings Bank | Savings | 4.75% | $25K min/No max | Review |
Primis Bank | Savings | 4.75% | $1 min/No max | Review |
VirtualBank | eMoney Market | 4.75% | No min/No maxa | Review |
Climate First Bank | Choice Money Market | 4.72% | $50k min/No max | Review |
Republic Bank | Digital Money Market | 4.71% | $2,500 Min/No max | Review |
RBMAX | Max Interest Savings | 4.65% | No min/$249,999.99 max | Review |
CIBC Bank | Agility Online Savings | 4.61% | $1K min/No max | Review |
BMO Bank | Online Savings | 4.60% | No min/ No max | Review |
ConnectOne Bank | Online Savings | 4.60% | $2.5K min/$250K max | Review |
Elevault | Mobile Banking | 4.60% | No min/$40K max | Review |
TAB Bank | High Yield Savings | 4.52% | $1 min/No max | Review |
Laurel Road | High Yield Savings | 4.50% | No min/$5M max | Review |
GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
Morgan Stanley | Preferred Savings | 4.50% | $1K 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 |
Primis Bank | Premium Checking | 4.50% | $1 min/No max | Review |
Salem Five Direct | eOne Savings | 4.50% | No min/$1M max | Review |
Rising Bank | High Yield Savings | 4.50% | $1K min/$1M max | Review |
Wealthfront | Cash | 4.50% | No min/ No max | Review |
Western State Bank | High Yield Money Market | 4.50% | No min/$3M max | Review |
Colorado Federal Savings Bank | Premier Savings | 4.45% | $50K min/No max | Review |
All America Bank | Mega Money Market® Checking | 4.40% | No min/$100K max | Review |
Colorado Federal Savings Bank | High Yield Savings | 4.40% | $1 min/No max | Review |
Redneck Bank | Mega Money Market | 4.40% | No min/$100K max | Review |
b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
Langley Federal Credit Union | Platinum Money Market | 4.35% | $1M min/No max | Review |
MySavingsDirect | MySavings | 4.35% | No Min/No max | Review |
iGObanking | iGOindexmoneymarket | 4.34% | $25K min/No max | Review |
LendingClub | High Yield Savings | 4.30% | $2.5K min/No max | Review |
Live Oak Bank | Savings Account | 4.30% | $1K 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 |
SFGI Direct Savings | Direct Savings | 4.26% | No min/No max | Review |
BankPurely | PurelyMoneyMarket | 4.25% | $25k min/No max | Review |
CFBank | Platinum Money Market | 4.25% | $25K min/No max | Review |
E*Trade | Premium Savings Account | 4.25% | No min/ No max | Review |
FNBO Direct | Online Savings | 4.25% | $1 min/$1M max | Review |
iGObanking | Money Market Account | 4.25% | $25K min/No max | Review |
PNC Bank | High Yield Savings | 4.25% | No min/No max | Review |
Styl | Savings | 4.25% | No min/No max | Review |
USALLIANCE | High Yield Divided Account | 4.25% | No min/No max | Review |
Barclays | Online Savings Account | 4.20% | $0.01 min/No max | Review |
Empower | Cash Account | 4.20% | No min/ No max | Review |
Sallie Mae Bank | Money Market | 4.20% | No min/No max | Review |
Sallie Mae Bank | Savings | 4.20% | No min/No max | Review |
Merrill | Preferred Deposit | 4.18% | $100K min/No Max | Review |
Citizens Access | Online Savings | 4.15% | $5K /$250K max | Review |
Marcus by Goldman Sachs | High-Yield Online Savings | 4.10% | $2,500 min/No max | Review |
Smarty Pig | High Yield Savings | 4.10% | No min/$10K Max | Review |
MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
Lafayette Federal Credit Union | Premier Savings | 4.06% | $50K min/No max | Review |
CNB Bank Direct | High Yield Savings | 4.01% | $1 min/No max | Review |
CNB Bank Direct | Premium Money Market | 4.01% | $25K min/$2M max | Review |
Ally Bank | Online Savings Account | 4.00% | No Min/No max | Review |
Ally Bank | Money Market | 4.00% | No Min/No max | Review |
Capital One 360 | Performance Savings | 4.00% | $10K min/No max | Review |
Chevron Federal Credit Union | MarketEdge Money Market Savings | 4.00% | $250K min/No max | Review |
Citi | Citi® Accelerate Savings | 4.00% | No min/No max | Review |
EmigrantDirect | American Dream Savings Account | 4.00% | No min/No max | Review |
EverBank | Yield Pledge Money Market | 4.00% | $500 min/No max | Review |
Quorum Federal Credit Union | HighQ Savings | 4.00% | No min/No max | Review |
Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 4.00% | $250K min/No max | Review |
Third Federal | Online Savings Plus | 4.00% | $5K min/No max | Review |
Affinity Plus Federal Credit Union | Superior Money Market | 3.90% | No min/$25K max | Review |
My eBanc | Money Market | 3.90% | $100K min/No max | Review |
My eBanc | eRelationship Savings | 3.90% | $100K min/No max | Review |
Affirm | Savings | 3.85% | No Min/No max | Review |
Lafayette Federal Credit Union | Preferred Savings | 3.80% | $20K min/No max | Review |
First Internet Bank | Money Market | 3.77% | $4K min/No max | Review |
Credit Karma | High Yield Savings | 3.60% | No min/No max | Review |
Zynlo Bank | Tomorrow Savings | 3.52% | No min/No max | Review |
Luana Savings Bank | Money Market | 3.35% | $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 |
Paramount Bank | High-Interest Checking | 3.25% | No Min/$99,999.99 Max | Review |
Alliant Credit Union | High Yield Savings | 3.10% | No min/No 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 |
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 | 4.88% | No min/No max | Review |
Bluevine | Premier Business Checking | 4.25% | No Min/$3M Max | Review |
Prime Alliance Bank | Business Savings | 4.25% | $200K Min/No Max | Review |
Capital One | Business Savings | 4.20% | $10K min/$5M max | Review |
Live Oak Bank | Business Savings Account | 3.80% | $200K min/No max | Review |
American Heritage Credit Union | High Yield Business Savings | 3.70% | $10K min/No max | Review |
Lili Banking | Business Banking | 3.65% | No min/No max | Review |
Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
First Internet Bank | Business Money Market Savings | 3.46% | No Min/$5M max | Review |
Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
LendingClub Banking | Business Savings | 3.35% | No min/No max | Review |
Heritage Bank | Business Jumbo Deposit | 3.02% | $230K min/No max | Review |
NBKC Bank | Business Money Market | 2.75% | No min/ No max | Review |
Paramount Bank | Business Money Market | 2.25% | No min/No max | Review |
Grasshopper Bank | Business Checking | 2.00% | $10K min/No max | Review |
Bluevine | Business Checking | 2.00% | No min/$100K max | Review |
LendingClub | Tailored Business Checking | 1.50% | No min/No 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 |
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 |
David Gonzalez says
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!
Wayne says
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!!!!
Dale S. says
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?
Tasha Lewis says
Anthony,
Do you also post mortgage rates?
Anthony Nguyen says
Hello Tasha,
We do not. Sorry.
Tasha Lewis says
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!