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.
Table of Contents
- 1 Savings Vs. Money Market Accounts
- 2 Editor’s Choice Best Savings Account
- 2.1 Discover Bank Online Savings (Available Nationwide)
- 2.2 HSBC Direct Savings (Available Nationwide)
- 2.3 CIT Bank Savings Builder Account (Available Nationwide)
- 2.4 Synchrony Bank High Yield Savings (Available Nationwide)
- 2.5 Barclays Online Savings (Available Nationwide)
- 2.6 BBVA Compass ClearChoice Money Market (Available Nationwide)
- 2.7 Chase SavingsSM Account Bonus Offer
- 3 Best Bank Rates 2019
- 4 Best State Bank Rates 2019
- 5 Savings/Money Market Offers You May Like
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 Account
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 2.10% APY when you meet the requirements below.
- Earn $200/$150 Bonus with promo code BCS519 by June 3, 2019
- Fund your first savings account with a minimum of $25K by June 17, 2019 to earn the $200 Bonus
- Fund your first savings account with a minimum of $15K by June 17, 2019 to earn the $150 Bonus
- Earn high interest rate of 2.10% 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
- Manage your account online or with the Discover mobile app
- FDIC insurance up to $250,000
(FDIC Insured)
HSBC Direct Savings (Available Nationwide)
HSBC Direct’s online Savings account is offering 2.30% APY. The minimum balance to earn this APY is just $1. There is no monthly maintenance fee, and you’ll have 24/7 online account access. Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking. Member FDIC.
- Earn 2.30% APY on all balance tiers
- No monthly maintenance fee
- Minimum balance to earn APY is $1
- Apply online today
- Move money quickly and access your funds using online transfers
- Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
(FDIC Insured)
CIT Bank Savings Builder Account (Available Nationwide)
Get up to 2.40% APY with this new online Savings account from CIT Bank.
- Current rate offer: up to 2.40% 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)
How To Earn The Highest Rate
The higher interest rate can be earned by completing one of following requirements:
1. Monthly Savers:
- Make at least one single deposit of $100 or more during the first Evaluation Period which begins on the third business day prior to the end of the month the account was opened.
- Additional deposits made between the account opening date and the beginning of the first Evaluation Period will not qualify.
- In order to continue to earn the higher rate, make at least one single deposit of $100 every month.
2. High Balance Savers:
- Have an account balance of $25,000 or more on each Evaluation Day. The Evaluation day is the fourth business day prior to the end of the month.
Synchrony Bank High Yield Savings (Available Nationwide)
- Open a Synchrony Bank High Yield Savings Account to earn 2.25% APY on your funds on all balances
- Available online nationwide
- No minimum balance requirement or monthly service fee
- Your deposit accounts are insured up to $250,000 per ownership category
Barclays Online Savings (Available Nationwide)
- Barclays Online Savings Account earns 2.20% APY on your funds – an award-winning account with rates 20x the national average
- No minimum opening balance or deposit required to open
- Secure, 24/7 online access to your funds & tools to help you save
- Online transfers to and from other banks
- Direct deposit to make saving simple and easy
- No monthly maintenance fees
BBVA Compass ClearChoice Money Market (Available Nationwide)
- BBVA Compass ClearChoice Money Market Account earns 2.00% Annual Percentage Yield for 12 months for accounts opened online
- 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 Compass ATMs w/no fees
- Enjoy 24/7 online access with Online and Mobile Banking
- Link to your BBVA Compass checking account for Overdraft Protection
- FDIC insured
Chase SavingsSM Account Bonus Offer
Earn up to $350 with this offer from Chase Bank
Chase SavingsSM account offers a generous sign-up bonus that you can take advantage of. In addition, being the second largest bank in the nation, they are able to offer a full range of services and accounts to cater to your banking needs. Typically, the bonus offered ranges from $100-$150+. However, do note that you have to maintain that balance for a specified amount of time required for the bonus. Get all the details with our Chase promotions here.
(FDIC Insured)
*We have an updated list of Best Savings Account Bonuses currently available.
Best Bank Rates 2019
| Bank | Account Type | APY | Terms | Hard/Soft Pull | Review |
|---|---|---|---|---|---|
| All America Bank | Mega Money Market | 2.50% | No min/$50K max | Soft Pull | Review |
| Customers Bank | High-Yield Savings | 2.50% | $25K min/No max | Soft Pull | Review |
| Investors Bank | eAccessMoney Market | 2.50% | No min/$2M max | Soft Pull | Review |
| Redneck Bank | Mega Money Market | 2.50% | No min/$50K max | Soft Pull | Review |
| USALLIANCE | High Dividends Savings | 2.50% | $500 min/No max | Soft Pull | Review |
| Utah First Credit Union | Money Market Account | 2.50% | $1M min/No Max | ? | Review |
| Vibrant Credit Union | Purple Money Market Account | 2.50% | $100k min/No Max | ? | Review |
| WebBank | High Yield Savings | 2.50% | $1K min/$500K max | ? | Review |
| Western State Bank | Money Market Account | 2.50% | No min/$3M max | ? | Review |
| Banesco USA | BanesGrow Savings Account | 2.47% | $300 min/No max | ? | Review |
| Earn Bank | Money Market Account | 2.46% | No min/No max | ? | Review |
| VIO Bank | Online Savings Account | 2.46% | $500 min/$250K max | ? | Review |
| BankPurely | Money Market Account | 2.45% | $25K min/No max | Soft Pull | Review |
| iGObanking | Money Market | 2.45% | $25K min/No max | ? | Review |
| MemoryBank | Money Market | 2.45% | No min/$1M max | ? | Review |
| Rising Bank | High Yield Savings | 2.45% | $1K min/$500K max | ? | Review |
| UFB Direct | Premium Money Market Account | 2.45% | $25K min/No max | Soft Pull | Review |
| UFB Direct | High Yield Savings | 2.45% | $25K min/No max | Soft Pull | Review |
| CIT Bank | Savings Builder | 2.40% | $100/25K min/No max | Soft Pull | Review |
| MySavingsDirect | Online Savings Account | 2.40% | No min/No max | Soft Pull | Review |
| My e-BAnC | eRelationship Savings | 2.40% | $25K min/$100K max | ? | Review |
| Quontic Bank | Money Market Account | 2.40% | $100K min/No max | ? | Review |
| TAB Bank | High Yield Savings | 2.40% | No min/No max | ? | Review |
| CIBC Bank | Savings Account | 2.39% | $1K min/$1M max | ? | Review |
| North American Savings Bank | High Rate Savings | 2.38% | $50K min/ $5M max | Soft Pull | Review |
| CitiBank | Savings Account | 2.36% | No min/No Max | Soft Pull | Review |
| VirtualBank | eMoney Market Account | 2.36% | No min/No max | ? | Review |
| Popular Direct | Exclusive Savings | 2.36% | $5K min/No max | ? | Review |
| Bank 7 | Online Money Market Account | 2.35% | $5K min/$100K max | ? | Review |
| Bank 7 | Savings | 2.35% | $100 min/No max | ? | Review |
| Bay State Bank | Money market Account | 2.35% | No min/No max | ? | Review |
| BMO Harris | Platinum Money Market | 2.35% | $5K min/No max | Soft Pull | Review |
| Citizens Access | Online Savings Account | 2.35% | $5K min/No max | ? | Review |
| PNC Bank (Many States) | High Yield Savings Account | 2.35% | $1 min/No max | Soft Pull | Review |
| PurePoint Financial | Online Savings Account | 2.35% | $10K min/No max | ? | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund | 2.30% | $500 min/No max | ? | Review |
| HSBC Bank Member FDIC | Direct Savings | 2.30% | $1 min/No max | Soft Pull | Terms |
| Live Oak Bank | Savings Account | 2.30% | No min/$5M max | Soft Pull | Review |
| Northpointe Bank | Ultimate Money Market | 2.30% | $25K min/$1M max | Soft Pull | Review |
| Salem Five Direct | eOne Savings Account | 2.30% | No min/$1M max | Hard Pull | Review |
| Sallie Mae Bank | Money Market | 2.30% | No min/No max | Soft Pull | Review |
| Wealthfront | Cash Account | 2.29% | $1 min/No max | ? | Review |
| Banesco USA | Money Market Account | 2.27% | $100K min/No max | ? | Review |
| MutualOneBank | Online Savings Account | 2.27% | $10 min/$1M max | ? | Review |
| SFGI Direct | Savings | 2.27% | No min/No max | ? | Review |
| Customers Bank | Money Market Account | 2.25% | $25K min/No max | Soft Pull | Review |
| FNBO Direct | Online Savings Account | 2.25% | No min/$1M max | ? | Review |
| Marcus By Goldman Sachs | Online Savings | 2.25% | No min/No max | Soft pull | Review |
| My e-BAnC | Money Market Account | 2.25% | $5K min/$No max | ? | Review |
| Northfield Bank | Platinum Savings Bank | 2.25% | No min/$100K max | ? | Review |
| Pacific National Bank | Money Market Account | 2.25% | $5K min/ No max | ? | Review |
| SoFi | SoFi Money Account | 2.25% | No min/No max | ? | Review |
| State Farm Bank | Money Market Account | 2.25% | $1K min/$5M max | ? | Review |
| USALLIANCE | MyLife Money Market Account | 2.25% | $250K min/No max | Soft Pull | Review |
| Wealthfront | Cash Account | 2.24% | $1 min/No max | ? | Review |
| Barclays | Online Savings | 2.20% | No min/No max | ? | Review |
| IncredibleBank | Money Market Account | 2.20% | $300K/No max | Soft Pull | Review |
| Betterment | Smart Saver | 2.19% | No min/No max | ? | Review |
| Colorado Federal Savings Bank | Premier Savings | 2.15% | $50K min/No max | ? | Review |
| Empower Bank | Savings | 2.15% | No min/No max | ? | Review |
| Empower Bank | Savings | 2.15% | No min/No max | ? | Review |
| TIAA Bank | Money Market Account | 2.15% | $5K min/$250K max | ? | Review |
| Community Bank of Pleasant Hill | Premier Money Management | 2.14% | No min/No max | ? | Review |
| Community Bank of Raymore | Premier Money Management | 2.14% | No min/No max | ? | Review |
| Varo | Savings Account | 2.12% | No min/No max | ? | Review |
| Alliant Credit Union | Savings | 2.10% | No min/No max | Soft Pull | Review |
| American Express Bank | High-Yield Savings | 2.10% | No min/$5M max | Hard Pull | Review |
| Discover Bank | Online Savings Account | 2.10% | No min/No max | Soft Pull | Review |
| E*Trade | Savings Account | 2.10% | $1 min/No max | ? | Review |
| Sallie Mae Bank | Savings Account | 2.10% | No min/No max | Soft Pull | Review |
| Huntington Bank | Business Premier Money Market | 2.07% | $20K min/$2M max | Soft Pull | Review |
| BankUnitedDirect | Money Market Account | 2.05% | $2.5k min/No max | ? | Review |
| Bank5 Connect | High-Interest Savings | 2.05% | $100 min/No max | Hard Pull | Review |
| NEXBank | High Yield Money Market | 2.05% | $25K min/No max | ? | Review |
| Northpointe Bank | Savings Account | 2.05% | $25K min/No max | ? | Review |
| Quorum Federal Credit Union | HighQ Savings | 2.05% | No min/No max | ? | Review |
| Radius Bank | High-Yield Savings Account | 2.05% | $25K min/No max | Hard Pull | Review |
| Simple Bank | Savings Account | 2.02% | $2K min/ No max | ? | Review |
| M.Y. Safra Bank | Direct Online Money Market | 2.01% | $5K min/$500K max | ? | Review |
| UmbrellaBank | Money Market Account | 2.01% | $1K min/No max | ? | Review |
| American Heritage Credit Union | Higher Yield Savings Account | 2.00% | $10K/No max | ? | Review |
| Aspriation | Spend & Save Account | 2.00% | $10/No max | ? | Review |
| Bethpage Federal Credit Union | Money Market Account | 2.00% | $500/No max | Soft Pull | Review |
| Capital One 360 | Money Market | 2.00% | $10K min/No max | Soft pull | Review |
| Capital One | Business Savings | 2.00% | No min/$1M max | Soft Pull | Review |
| Colorado Federal Savings Bank | High Yield Savings | 2.00% | $1 min/No max | ? | Review |
| Discover Bank | Money Market | 2.00% | $100K min/No max | Soft Pull | Review |
| Elements Financial | Premium Market Account | 2.00% | $2.5K/No max | Soft Pull | Review |
| Hanscom Federal Credit Union | Higher Yield Savings Account | 2.00% | $25K/No max | Soft Pull | Review |
| MidFirst Direct | High Yield Online Savings Account | 2.00% | No min/No max | Soft Pull | Review |
| Mutual of Omaha Bank | Online Money Market | 2.00% | $1K min/No max | ? | Review |
| One American Bank | Savings | 2.00% | $50K min/No max | ? | Review |
| PenFed Credit Union | Online Savings Account | 2.00% | $5 min/$100K max | ? | Review |
| United Bank (Many States) | Prime Money Market | 2.00% | $1 min/$500K max | ? | Review |
| CIT Bank | Money Market | 1.85% | $100 min/No max | Soft Pull | Review |
| CIT Bank | Premier High Yield Savings Account | 1.55% | No min/No max | Soft Pull | Review |
| Capital One 360 | 360 Checking | 1.00% | $100K min/No max | Soft Pull | Review |
| Capital One 360 | 360 Savings | 1.00% | No min/No max | Soft Pull | Review |
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.
| Bank | State | Account Type | APY | Terms | Review |
|---|---|---|---|---|---|
| Kemba FCU | CT (Avon Branch) | MMA | 3.50% | $2k min to open | Review |
| Kemba FCU | OH | MMA | 3.00% | $25k min to open | Review |
| Connex Credit Union | CT | MMA | 2.65% | $100K minimum to earn high rate | Review |
| Delaware County Credit Union | PA | MMA | 2.75% | $2.5k min to open | Review |
| Heartland Bank | OH | MMA | 2.75% | $25K minimum to earn high rate | Review |
| College Savings Bank | AZ | Savings Account | 2.53% | $250 to earn rate | Review |
| First Home Bank | FL | Advantage Money Market | 2.50% | $50K minimum to earn high rate | Review |
| HarborOne Bank | CT, ME, MA, NH, RI, VT | Remarkable Savings Account | 2.50% | $5K minimum to earn high rate | Review |
| Superior Choice Credit Union | MN, WI | Money Market | 2.50% | $50K minimum to earn listed rate | Review |
| Webster Bank | CT, NY | Premier Savings Extra | 2.50% | $25K minimum to earn high rate | Review |
| Great Southern Bank | AR, IA, KS, MN, MO, NE, OK, TX | Money Market Savings | 2.48% | $2,500 minimum to earn high rate | Review |
| Mutual Bank | MD | Money Market | 2.45% | $25K minimum to earn high rate | Review |
| Mutual Bank | CT | MMA | 2.44% | $1K minimum to earn high rate | Review |
| Guilford Savings Bank | CT | Money Market Savings | 2.42% | $1K minimum to earn high rate | Review |
| CFG Community Bank | MD | MMA | 2.40% | $25K to earn listed rate | Review |
| TBK Bank | TX | MMA | 2.40% | $100K to earn listed rate | Review |
| Kearny Bank | NJ, NY | MMA Plus | 2.38% | $1M minimum to earn high rate | Review |
| MapleMark Bank | OK, TX | MMA | 2.26% | $1K min to earn listed rate | Review |
| General Electric Credit Union | OH | Money Market | 2.25% | $25K minimum to earn high rate | Review |
| Metro Credit Union | MA | High Yield Savings Account | 2.25% | $25K minimum to earn listed rate | Review |
| Presidential Bank | DC, MD, VA | Money Market Account | 2.25% | $100K to earn high rate | Review |
| Clinton Savings Bank | MA | Savings Account | 2.20% | $100 minimum to earn high rate | Review |
| Bank OZK | AL, AR, FL, GA, NC, NY, SC, TX | MMA | 2.15% | $1K min to earn listed rate | Review |
| Colorado Federal Savings Bank | Nationwide | Premier Savings | 2.15% | $50K min to earn listed rate | Review |
| Telcoe Federal Credit Union | AR | Quarter Plus Money Market Account | 2.07% | $500k minimum opening deposit | Review |
| BMO Harris | AZ, FL, IL, IN, KS, MN, MO, WI | Platinum Money Market | 2.05% | $5k minimum opening deposit | Review |
| Apco Employees Credit Union | AL | IRA Savings Account | 2.02% | $25 to earn high rate | Review |
| Beal Bank USA | AZ, CA, CO, FL, GA, IL, KS ,MD, MA, MI, MN, NJ, NY, NV, OR, PA, VA, WA | MMA | 2.01% | $25k minimum to earn high rate | Review |
| Unified Bank | OH | Money Market Account | 2.01% | $20k to earn high rate | Review |
| Bank of Finger Lakes | NY | Money Market | 2.00% | $1K min to earn rate for 180 Days | Review |
| Home Loan Investment Bank | RI, MA | Savings Account | 2.00% | $50K to earn high rate | Review |
| Truity Credit Union | AR, KS, OK, TX | Name It Save It Savings Account | 2.00% | No minimum to earn high rate | Review |
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 SavingsSM account has a nice sign-up bonus.
| PROMOTIONAL LINK | RATE | REVIEW |
| Discover Bank Online Savings | 2.10% APY + $200 Cash | Review |
| HSBC Direct Savings Member FDIC | 2.30% APY | Review |
| CIT Bank Savings Builder | 2.45% APY | Review |
| American Express High Yield Savings | 2.10% APY | Review |
| Barclays Online Savings | 2.20% APY | Review |
| Synchrony Bank Savings | 2.20% APY | Review |
| BONUS LINK | OFFER | REVIEW |
| Discover Bank Online Savings | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $750 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Huntington Asterisk-Free Checking® | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Chase SapphireSM Checking | 60,000 Points | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase Private Client | $1,250 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
Tasha Lewis says
January 2, 2018 at 9:18 amThank 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!
Tasha Lewis says
June 24, 2018 at 12:05 pmAnthony,
Do you also post mortgage rates?
Anthony Nguyen says
June 26, 2018 at 2:41 pmHello Tasha,
We do not. Sorry.
Wayne says
September 3, 2018 at 5:47 pmTried 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!!!!