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 + 2.15% APY Rate
- 1.2 SoFi Checking & Savings $300 Bonus + 2.50% APY
- 1.3 UFB Elite Money Market Rate Offer 3.01% APY
- 1.4 UFB Elite Savings Rate Offer 3.01% APY
- 1.5 Ponce Bank Money Market 3.00% APY
- 1.6 American First Credit Union Money Market 2.85% APY
- 1.7 Axiom Bank High-Yield Savings 2.75% APY
- 1.8 mph.bank Money Market 2.75% APY Rate
- 1.9 SkyOne Federal Credit Union Money Market 2.75% APY
- 1.10 CIT Bank Savings Connect 2.70% APY
- 1.11 Liberty Savings Bank High-Yield Savings 2.50% APY
- 1.12 State Exchange Bank High-Yield Savings 2.35% APY
- 1.13 CIBC High Yield Savings 2.32% APY
- 1.14 Patriot Bank Money Market 2.25% APY
- 1.15 Quontic Bank High Yield Savings 2.15% APY
- 1.16 Capital One 360 Performance Savings 2.15% APY
- 1.17 Citizens Access Online Savings 2.10% APY
- 1.18 Quontic Bank Money Market 2.00% APY
- 1.19 Marcus by Goldman Sachs Online Savings 1.90% APY
- 1.20 American Express® High Yield Savings account 1.90% APY
- 1.21 CIT Bank Money Market Account 1.55% APY + Amazon Prime Offer
- 2 Best Bank Rates
- 3 Best Business Bank Rates
Best Bank Rates & Savings Accounts
Discover Bank Online Savings $150/$200 Bonus + 2.15% APY Rate
Open a Discover Online Savings Account and earn a $200 or $150 bonus with an interest rate of 2.15% APY when you meet the requirements below.
- Earn $200/$150 Bonus with promo code BCS922 by 12/15/2022
- Fund your first savings account with a minimum of $25K within 30 days of account open date to earn the $200 Bonus
- Fund your first savings account with a minimum of $15K within 30 days of account open date to earn the $150 Bonus
- 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. Member FDIC.)
Read more about Discover Bank bonuses here.
SoFi Checking & Savings $300 Bonus + 2.50% APY
Earn more on your money with 2.50% APY and a $300 bonus when you direct deposit into a SoFi Checking and Savings Account.
- What you’ll get: $300 bonus + 2.50% 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 $300 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 – $1,999 | $50 |
| $2,000-$4,999 | $100 |
| $5,000 or more | $300 |
See SoFi Checking & Savings offers here and all SoFi bonuses here.
UFB Elite Money Market Rate Offer 3.01% APY
UFB Direct offers a money market account with a competitive rate. Additionally, this account is available online, nationwide.
- Earn up to 3.01% APY*.
- No monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
- No minimum deposit required to open an account.
- Access your funds 24/7 with easy-to-use digital banking tools.
- The UFB Elite Money Market offers the security of a savings account with check-writing privileges.
(FDIC Insured)
UFB Elite Savings Rate Offer 3.01% APY
UFB Direct offers an online savings account with competitive rates. In addition, this account is available online, nationwide.
- Earn up to 3.01% 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)
Ponce Bank Money Market 3.00% APY
Earn 3.00% 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)
American First Credit Union Money Market 2.85% APY
2.85% APY money market deposit account, 19.0x higher than national average- Federally insured by NCUA. No fees. $1 minimum to open.
- 24/7 online access to funds.
(NCUA Insured)
Axiom Bank High-Yield Savings 2.75% APY
Earn 2.75% APY with an Axiom Bank High Yield Savings- FDIC insured. No fees. $1 minimum deposit.
- 24/7 online access to funds.
(FDIC Insured)
Learn more about Axiom Bank High-Yield Savings here.
mph.bank Money Market 2.75% APY Rate
Earn 2.75% 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.
SkyOne Federal Credit Union Money Market 2.75% APY
Earn 2.75% 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.
CIT Bank Savings Connect 2.70% APY
Earn 2.70% 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 2.50% APY
Earn 2.50% 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.
State Exchange Bank High-Yield Savings 2.35% APY
Earn 2.35% 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.
CIBC High Yield Savings 2.32% APY
Patriot Bank Money Market 2.25% APY
Earn 2.25% APY with a Patriot Bank High-yield Money Market Deposit Account (MMDA)- Security: Funds deposited into any of the products accessible through SaveBetter are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.
- Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.
- Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
- Service: A supportive, accessible, responsive customer service team based in New York, NY, sets SaveBetter apart.
- Access: Enjoy 24/7 online access to your account and funds.
(FDIC Insured)
Learn more about Patriot Bank Money Market here.
Quontic Bank High Yield Savings 2.15% APY
Earn 2.15% 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.
Capital One 360 Performance Savings 2.15% APY
Citizens Access Online Savings 2.10% APY
Learn more about Citizens Access Online Savings here.
Quontic Bank Money Market 2.00% APY
- Earn 2.00% 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.
Marcus by Goldman Sachs Online Savings 1.90% APY
Learn more about the Marcus by Goldman Sachs Online Savings here.
American Express® High Yield Savings account 1.90% APY
Earn 1.90% Annual Percentage Yield (APY) as of 8/15/22- Your high yield savings account earns interest daily and is posted to your account monthly.
- Links easily with your current bank accounts. No need to switch banks.
- No monthly fees, no minimum balance.
- 24/7 Account Access.
(Visit American Express to Learn More)
Learn more about the American Express® High Yield Savings account.
CIT Bank Money Market Account 1.55% APY + Amazon Prime Offer
Earn 1.55% APY with this new online Money Market account from CIT Bank.
- Current rate offer is 1.55% APY
- $100 minimum to open
- There are no opening, monthly servicing, online transfer or incoming wire fees.
- Deposit checks remotely and make transfers with the CIT Bank mobile app
- FDIC insured
This limited time offer of a one-year Amazon Prime membership is available to Customers who open a new CIT Bank Money Market account.
Customers will receive a one-year Amazon Prime membership1 provided that the following three requirements are met:
- Open a new CIT Bank Money Market account and enter the promotion code “AMZN22” at the time of account opening.
- Deposit at least $15,000 to the account within the first 15 calendar days following account opening (the “Funding Period”). The $15,000 used to fund the account must come from a funding source outside of CIT Bank. Transfers from existing CIT Bank accounts will not qualify.
- Maintain an end-of-day account balance of at least $15,000 each of the 60 days following the end of the Funding Period. If the end-of-day balance falls below $15,000 at any time during this 60-day period, you will not qualify for the Amazon Prime membership offer.
(Rate is subjected to change)
Learn more about the CIT Bank Money Market offers and the latest CIT Bank bonuses here.
Best Bank Rates
| PROMOTIONAL LINK | OFFER | REVIEW |
| SoFi Checking and Savings Account | $300 Cash + 2.50% APY | Review |
| Discover Bank Online Savings | $200 Cash + 2.15% APY | Review |
| Axos Bank Business Savings | $200 Cash + 0.20% APY | Review |
| UFB Elite Savings | 3.01% APY | Review |
| UFB Elite Money Market Account | 3.01% APY | Review |
| CIT Bank Money Market | Amazon Prime + 1.55% APY | Review |
| Ponce Bank Money Market | 3.00% APY | Review |
| American First Credit Union Money Market | 2.85% APY | Review |
| Axiom Bank High Yield Savings | 2.75% APY | Review |
| mph.bank Money Market | 2.75% APY | Review |
| SkyOne Federal Credit Union Money Market | 2.75% APY | Review |
| CIT Bank Savings Connect | 2.70% APY | Review |
| Liberty Savings Bank High Yield Savings | 2.50% APY | Review |
| State Exchange Bank High-Yield Savings | 2.35% APY | Review |
| Patriot Bank Money Market | 2.25% APY | Review |
| Quontic Bank High Yield Savings | 2.15% APY | Review |
| Citizens Access Online Savings | 2.10% APY | Review |
| Quontic Bank Money Market | 2.00% APY | Review |
| Marcus by Goldman Sachs Online Savings | 1.70% APY | Review |
| Bank | Account Type | APY | Terms | Review |
|---|---|---|---|---|
| Elements Financial | Helium Savings Account | 3.25% | $2.5K min/$250K max | Review |
| Merchants Bank of Indiana | MMA | 3.05% | No Min/$1M max | Review |
| Dollar Savings Direct | Savings | 3.00% | No min/No max | Review |
| Quorum Federal Credit Union | High-Yield Savings | 3.00% | $10K min/No max | Review |
| Bread Financial | High-Yield Savings | 2.90% | No min/No max | Review |
| Enzo | High-Yield Checking | 2.87% | No min/No max | Review |
| State Bank of Texas | Jumbo Money Market | 2.85% | $100K Min/No max | Review |
| Brilliant Bank | Money Market | 2.80% | No Min/$500K max | Review |
| BrioDirect | High Yield Savings | 2.80% | $25 min/No max | Review |
| Republic Bank | Digital Money Market | 2.76% | $2,500 Min/No max | Review |
| BankPurely | PurelyMoneyMarket | 2.75% | $25k min/No max | Review |
| Bask Bank | Interest Savings | 2.75% | No Min/No max | Review |
| CFG Bank | High Yield Money Market | 2.75% | $1K min/No max | Review |
| First Foundation Bank | Online Savings | 2.75% | $1K Min/No max | Review |
| iGObanking | Money Market Account | 2.75% | No min/No max | Review |
| Northern Bank Direct | Money Market | 2.75% | $500 min/$250K max | Review |
| Ivy Bank | High-Yield Savings | 2.70% | $2.5K min/No max | Review |
| Prime Alliance Bank | Personal Savings | 2.70% | No min/ No max | Review |
| TAB Bank | High Yield Savings | 2.66% | $1 min/No max | Review |
| CFBank | Platinum Money Market | 2.65% | $25K min/No max | Review |
| LendingClub | High Yield Savings | 2.65% | $2.5K min/No max | Review |
| Valley Direct | Online Savings | 2.65% | No min/No Max | Review |
| Personal Capital | Cash Account | 2.60% | No min/ No max | Review |
| TotalDirectBank | Direct Money Market Deposit | 2.60% | $2.5k min/$500k max | Review |
| Wealthfront | Cash | 2.55% | No min/ No max | Review |
| All America Bank | Mega Money Market® Checking | 2.50% | No min/$50K max | Review |
| Fitness Bank | Savings Account | 2.50% | $100 min/No max | Review |
| Quorum Federal Credit Union | HighQ Savings | 2.50% | No min/No max | Review |
| Redneck Bank | Mega Money Market | 2.50% | $1 min/$50K max | Review |
| Rising Bank | High Yield Savings | 2.50% | $1K min/$1M max | Review |
| USALLIANCE | High Yield Divided Account | 2.50% | No min/No max | Review |
| Vio Bank | Cornerstone Money Market | 2.50% | No min/No max | Review |
| Northpointe Bank | Ultimate Money Market | 2.45% | $25K min/$3Mmax | Review |
| Northpointe Bank | Ultimate Savings | 2.45% | $25K min/$3Mmax | Review |
| CIBC Bank | Agility Online Savings | 2.32% | $1K min/No max | Review |
| Langley Federal Credit Union | Platinum Money Market | 2.30% | $1M min/No max | Review |
| Luana Savings Bank | Money Market | 2.27% | $2,500 min/No max | Review |
| Barclays | Online Savings Account | 2.25% | $0.01 min/No max | Review |
| Betterment | Cash Reserve | 2.25% | No min/No max | Review |
| PayPal | Savings | 2.25% | No min/ No max | Review |
| Popular Direct | High-Rise Savings | 2.25% | $5K min/$1M max | Review |
| Sallie Mae Bank | Money Market | 2.25% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 2.25% | No min/$10K Max | Review |
| Synchrony Bank | High Yield Savings Account | 2.25% | No min/ No max | Review |
| Zynlo Bank | Money Market | 2.25% | No min/No max | Review |
| SFGI Direct Savings | Direct Savings | 2.21% | No min/No max | Review |
| Citi | Citi® Accelerate Savings | 2.20% | No min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 2.20% | $50K min/No max | Review |
| MyBankingDirect | High Yield Savings | 2.20% | $1.00 min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 2.15% | $1 min/No max | Review |
| Laurel Road | High Yield Savings | 2.15% | No min/$5M max | Review |
| Sallie Mae Bank | Savings | 2.15% | No min/No max | Review |
| First Internet Bank | Money Market | 2.12% | $4K min/No max | Review |
| Ally Bank | Online Savings Account | 2.10% | No Min/No max | Review |
| Ally Bank | Money Market | 2.10% | No Min/No max | Review |
| My eBanc | eRelationship Savings | 2.02% | $25K min/No max | Review |
| Connexus Credit Union | MMA | 2.01% | $100,000 min/No max | Review |
| Chevron Federal Credit Union | MarketEdge Money Market Savings | 2.00% | No min/No max | Review |
| EmigrantDirect | American Dream Savings Account | 2.00% | No min/No max | Review |
| E*Trade | Premium Savings Account | 2.00% | No min/ No max | Review |
| Live Oak Bank | Savings Account | 2.00% | $1K min/No max | Review |
| Paramount Bank | High-Interest Checking | 2.00% | No Min/$99,999.99 Max | Review |
| Spectrum Credit Union | MarketEdge Money Market / HSA MarketEdge | 2.00% | No min/No max | Review |
| Sun East Federal Credit Union | MAX-Yield Money Market | 2.00% | $5K/No max | Review |
| Varo Bank | Money Savings | 2.00% | $0.01 Min/$15K Max | Review |
| Western State Bank | High Yield Money Market | 2.00% | No min/$3M max | Review |
| FNBO Direct | Online Savings | 1.90% | $1 min/$1M max | Review |
| Umbrella Bank | Money Market | 1.85% | $25K min/No max | Review |
| CNB Bank Direct | Premium Money Market | 1.81% | $25K min/$2M max | Review |
| Alliant Credit Union | High Yield Savings | 1.80% | No min/No max | Review |
| Bank7 | Online Savings | 1.80% | No min/$1M max | Review |
| Bank7 | Online Money Market | 1.80% | No min/$1M max | Review |
| Bethpage Federal Credit Union | Money Market | 1.75% | $500 Min/No max | Review |
| CNB Bank Direct | High Yield Savings | 1.71% | $1 min/No max | Review |
| My eBanc | Money Market | 1.71% | $5K min/No max | Review |
| Penfed Credit Unon | Premium Online Savings | 1.70% | No min/No max | Review |
| TIAA Bank | Basic Savings | 1.70% | No min/No max | Review |
| Salem Five Direct | eOne Savings | 1.65% | No min/$1M max | Review |
| Synchrony Bank | Money Market | 1.60% | No min/No max | Review |
| TIAA Bank | Yield Pledge Money Market | 1.60% | $500 min/No max | Review |
| Affirm | Savings | 1.50% | No Min/No max | Review |
| Bank5 Connect | High-Interest Savings | 1.50% | $100 min/No max | Review |
| Chime ($100 bonus) | Savings | 1.50% | No Min/No max | Review |
| ConnectOne Bank | Online Savings | 1.50% | $2.5K min/$250K max | Review |
| Customers Bank | Ascent Market Savings Account | 1.50% | $25K min/No max | Review |
| MySavingsDirect | MySavings | 1.50% | No Min/No max | Review |
| T-Mobile Money | Checking Account | 1.50% | No 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 |
| Affinity Plus Federal Credit Union | Superior Money Market | 1.25% | No min/$25K max | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund | 1.20% | $1.00 min/No 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 |
| VirtualBank | eMoney Market | 1.00% | 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 |
|---|---|---|---|---|
| Workers Credit Union | Business SaveUp Savings | Up to 3.56% | No Min/ $999.99 Max | Review |
| First Internet Bank | Business Money Market Savings | 3.09% | $100 Min/No max | Review |
| Prime Alliance Bank | Business Savings | 2.70% | $200,000+ Min/ No Max | Review |
| American Heritage Credit Union | High Yield Business Savings | 2.55% | $10K min/No max | Review |
| LendingClub Banking | Business Savings | 2.15% | No min/No max | Review |
| Mercury | Mercury Treasury | 2.444% | No min/No max | Review |
| Live Oak Bank | Business Savings Account | 2.00% | $1K min/No max | Review |
| Bluevine | Business Checking | 1.50% | No min/$100K max | Review |
| Sun East Federal Credit Union | Business MAX-Yield Money Market | 1.50% | $2.5K/No max | Review |
| American Express | Business Checking | 1.10% | No min/ $500K max | Review |
| Axos Bank | Business Interest Checking | 1.01% | No min/ $49,999.99 max | Review |
| LendingClub | Tailored Business Checking | 1.00% | No min/$100K max | Review |
| Lili Banking | Business Banking | 1.00% | No min/No max | Review |
Related posts:
Financial Plus Credit Union Elite Checking Review: 4.15% APY (Michigan only)
Navy Army Community Credit Union Liberty Checking Review: 3.01% APY (Texas only)
SouthWest Airlines Federal Credit Union LUV Rewards Checking Review: 4.00% APY (Arkansas, Texas)
Beal Bank Money Market Review: 1.85% APY (CA, OH, PA, TX)
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!