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
CloudBank 24/7 High Yield Savings 5.26% APY
No fees. $1 minimum deposit. 24/7 online access to funds.- Deposits are FDIC insured through Third Coast Bank SSB
- Earn 5.26% APY
(FDIC Insured)
OptimumBank Money Market Deposit 5.26% APY
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- A true community bank
- Raisin recommends: 5.26% APY Money Market Deposit Account — currently 8.5x higher than national average.
(FDIC Insured)
Pacific Western Bank Money Market 5.25% APY
5.25% APY Money Market Deposit Account- FDIC insured. $1 minimum deposit. No fees.
- Full access to your account online 24/7.
(FDIC Insured)
Harborstone Credit Union Money Market Deposit 5.25% 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.
- Top offer: 5.25% APY* Money Market Deposit Account, 8.6x higher than national average.
(FDIC Insured)
American First Credit Union Money Market 5.24% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- 5.24% APY money market deposit account, 8.6x higher than national average
(NCUA Insured)
SkyOne Federal Credit Union Money Market 5.24% APY
Earn 5.24% 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)
Patriot Bank High-Yield Money Market 5.22% APY
5.22% APY* high-yield MMDA, 8.3x higher than national average.- FDIC insured. No fees.
- Financial solutions to help you do more of what you love.
(FDIC Insured)
Grand Bank Money Market 5.20% APY
Earn 5.20% APY- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
- Family-owned bank that prioritizes customer relationships.
(FDIC Insured)
GreenState Credit Union High Yield Savings 5.16% 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
- 5.16% APY High Yield Savings Account (HYSA) — that’s 28.7x higher than national average.
(FDIC Insured)
Blue Federal Credit Union Money Market 5.15% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- 5.15% APY Money Market Deposit Account, 9.7x higher than national average.
(NCUA Insured)
Ponce Bank Money Market 5.15% APY
5.15% APY high-yield MMDA, 8.4x 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)
Mission Valley Bank High Yield Savings 5.12% 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.
- Top offer: 5.12% APY* high yield savings account — currently 8.4x higher than national average.
(FDIC Insured)
Upgrade Premier Savings 5.07% APY
Exceptional 5.07% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(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)
StagePoint Federal Credit Union Money Market Deposit 5.00% APY
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- 5.00% APY money market deposit account, 9.4x 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.
- Earn 5.00% APY
(NCUA Insured)
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)
Learn more about Quontic Bank Money Market here.
Bask Bank Interest Savings 5.00% APY
CIT Bank Platinum Savings 4.95% APY
- Earn 4.95% 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)
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)
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)
PNC Bank High Yield Savings 4.65% APY
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)
Quontic Bank High Yield Savings 4.50% APY
- Earn 4.50% 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.
SoFi Checking & Savings $275 Bonus + 4.50% APY
Earn more on your money with 4.50% APY and a $275 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $275 bonus + 4.50% 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.
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)
Discover Bank Online Savings $150/$200 Bonus + 4.30% APY Rate
Open a Discover Online Savings Account and earn a $200 or $150 bonus with an interest rate of 4.30% 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 BCS923 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 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.
Read more about Discover Bank bonuses here.
Capital One 360 Performance Savings 4.30% APY
Citi® Accelerate Savings
Idabel National Bank Money Market 4.20% APY
4.20% APY Money Market Deposit Account, 6.8x 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)
Best Bank Rates
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| BluPeak Credit Union | Preferred Savings | 5.33% | $25 min/No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 5.26% | $2.5k min/$500k max | Review |
| Evergreen Bank Group | High Yield Savings | 5.25% | $100 min/No Max | Review |
| Fierce Finance | Cash Account | 5.25% | No min/No max | Review |
| Milli Bank | Savings | 5.25% | No min/No max | Review |
| Newtek Bank | High Yield Savings | 5.25% | No min/No max | Review |
| Popular Direct | High-Rise Savings | 5.25% | $5K min/$1M max | Review |
| Valley Direct | Online Savings | 5.25% | No min/No Max | Review |
| Vio Bank | Cornerstone Money Market | 5.25% | No min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 5.22% | $100K Min/No max | Review |
| Republic Bank | Digital Money Market | 5.21% | $2,500 Min/No max | Review |
| CFG Bank | High Yield Money Market | 5.20% | $1K min/No max | Review |
| Modern Bank | High Yield Money Market | 5.20% | $100K min/No max | Review |
| FNBO Direct | Online Savings | 5.15% | $1 min/$1M max | Review |
| Jovia Financial Credit Union | Online Savings | 5.15% | $4.95 min/No max | Review |
| RBMAX | Max Interest Savings | 5.15% | No min/$249,999.99 max | Review |
| Western State Bank | High Yield Money Market | 5.15% | No min/$3M max | Review |
| BMO Bank | Online Savings | 5.10% | No min/ No max | Review |
| Blue | Savings | 5.10% | No min/No max | Review |
| Primis Bank | Savings | 5.07% | $1 min/No max | Review |
| Primis Bank | Premium Checking | 5.07% | $1 min/No max | Review |
| All America Bank | Mega Money Market® Checking | 5.05% | No min/$75K max | Review |
| BankPurely | PurelyMoneyMarket | 5.05% | $25k min/No max | Review |
| iGObanking | Money Market Account | 5.05% | $25K min/No max | Review |
| Redneck Bank | Mega Money Market | 5.05% | No min/$75K max | Review |
| Merrill | Preferred Deposit | 5.02% | $100K min/No Max | Review |
| TAB Bank | High Yield Savings | 5.02% | $1 min/No max | Review |
| My eBanc | Money Market | 5.01% | $100K min/No max | Review |
| My eBanc | eRelationship Savings | 5.01% | $100K min/No 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 |
| Laurel Road | High Yield Savings | 5.00% | No min/$5M max | Review |
| Bask Bank | Interest Savings | 5.00% | No Min/No max | Review |
| Bread Financial | High-Yield Savings | 5.00% | No min/No max | Review |
| Dollar Savings Direct | Savings | 5.00% | No min/No max | Review |
| First Foundation Bank | Online Savings | 5.00% | $1K Min/No max | Review |
| Merchants Bank of Indiana | MMA | 5.00% | No Min/$1M max | Review |
| Morgan Stanley | Preferred Savings | 5.00% | $1K min/No max | Review |
| MyBankingDirect | High Yield Savings | 5.00% | $1.00 min/No max | Review |
| EverBank | Savings | 5.00% | No min/No max | Review |
| Rising Bank | High Yield Savings | 5.00% | $1K min/$1M max | Review |
| VirtualBank | eMoney Market | 5.00% | No min/No maxa | Review |
| Zynlo Bank | Money Market | 5.00% | No min/$250K max | Review |
| Northern Bank Direct | Money Market | 4.95% | $500 min/$250K max | Review |
| Ivy Bank | High-Yield Savings | 4.80% | $2.5K min/No max | Review |
| Wealthfront | Cash | 4.80% | No min/ No max | Review |
| iGObanking | iGOindexmoneymarket | 4.78% | $25K min/No max | Review |
| CIBC Bank | Agility Online Savings | 4.76% | $1K min/No max | Review |
| Connexus Credit Union | MMA | 4.76% | $1M min/No max | Review |
| Betterment | Cash Reserve | 4.75% | No min/No max | Review |
| Fitness Bank | Savings Account | 4.75% | $100 min/No max | Review |
| Sallie Mae Bank | Money Market | 4.75% | No min/No max | Review |
| Synchrony Bank | High Yield Savings Account | 4.75% | No min/ No max | Review |
| EverBank | Yield Pledge Money Market | 4.75% | $500 min/No max | Review |
| CNB Bank Direct | Premium Money Market | 4.70% | $25K min/$2M max | Review |
| Empower | Cash Account | 4.70% | No min/ No max | Review |
| Brilliant Bank | Money Market | 4.65% | $1K min/$500K max | Review |
| USALLIANCE | High Yield Divided Account | 4.65% | No min/No max | Review |
| Styl | Savings | 4.63% | No min/No max | Review |
| CNB Bank Direct | High Yield Savings | 4.60% | $1 min/No max | Review |
| Citizens Access | Online Savings | 4.50% | $5K /$250K max | Review |
| LendingClub | High Yield Savings | 4.50% | $2.5K 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 |
| Quorum Federal Credit Union | High-Yield Savings | 4.50% | $10K min/No max | Review |
| Sallie Mae Bank | Savings | 4.50% | No min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.45% | $50K min/No max | Review |
| Ally Bank | Money Market | 4.40% | No Min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.40% | $1 min/No max | Review |
| Marcus by Goldman Sachs | High-Yield Online Savings | 4.40% | $2,500 min/No max | Review |
| Modern Bank | Premier Money Market | 4.40% | $1K min/No max | Review |
| Affirm | Savings | 4.35% | No Min/No max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Barclays | Online Savings Account | 4.35% | $0.01 min/No max | Review |
| MySavingsDirect | MySavings | 4.35% | No Min/No max | Review |
| Capital One 360 | Performance Savings | 4.30% | $10K min/No max | Review |
| CFBank | Platinum Money Market | 4.30% | $25K min/No max | Review |
| PayPal | Savings | 4.30% | No min/ No max | Review |
| Third Federal | Online Savings Plus | 4.30% | $5K min/No max | Review |
| SFGI Direct Savings | Direct Savings | 4.26% | No min/No max | Review |
| Ally Bank | Online Savings Account | 4.25% | No Min/No max | Review |
| ConnectOne Bank | Online Savings | 4.25% | $2.5K min/$250K max | Review |
| E*Trade | Premium Savings Account | 4.25% | No min/ No max | Review |
| Langley Federal Credit Union | Platinum Money Market | 4.25% | $1M min/No max | Review |
| Quorum Federal Credit Union | HighQ Savings | 4.25% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 4.25% | No min/$10K Max | Review |
| First Foundation Bank | Online Money Market | 4.20% | $1K Min/No max | Review |
| Live Oak Bank | Savings Account | 4.15% | $1K min/No max | Review |
| Credit Karma | High Yield Savings | 4.10% | No min/No max | Review |
| MutualOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| EmigrantDirect | American Dream Savings Account | 4.00% | 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 |
| First Internet Bank | Money Market | 3.76% | $4K min/No max | Review |
| Chevron Federal Credit Union | MarketEdge Money Market Savings | 3.75% | $250K min/No max | Review |
| Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 3.75% | $250K 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 |
| Luana Savings Bank | Money Market | 3.40% | $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 |
| 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 | 2.25% | 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 |
Best Business Bank Rates
Below you’ll find the best bank rates for business accounts.
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Mercury | Mercury Treasury | 5.43% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.25% | $200K Min/ No Max | Review |
| Lili Banking | Business Banking | 4.15% | No min/No max | Review |
| Live Oak Bank | Business Savings Account | 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 | 3.45% | No Min/$5M max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.40% | 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 |
| 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!