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
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 Accounts
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 1.70% APY when you meet the requirements below.
- Earn $200/$150 Bonus with promo code BCS120 by 2/03/2020
- Fund your first savings account with a minimum of $25K by 2/17/2020 to earn the $200 Bonus
- Fund your first savings account with a minimum of $15K by 2/17/2020 to earn the $150 Bonus
- Earn high interest rate of 1.70% 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
(See advertiser website for full details. Member FDIC.)
Read more about Discover Bank bonuses here.
CIT Bank Savings Builder Account (Available Nationwide)
Get up to 1.80% APY with this new online Savings account from CIT Bank. In addition, Get a $100 or $200 bonus when you open an account. Earn a $100 bonus with a $25,000 to $49,999 deposit or $200 bonus with $50,000 or more.
- Current rate offer: up to 1.80% 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)
Learn more about CIT Bank bonuses here.
Axos Bank UFB Direct 1.90% APY (Available Nationwide)
Axos Bank UFB Direct’s High Yield Savings Account is offering a 1.90% APY on balances of $10,000 or more. The account offers free online banking tools, all with no monthly maintenance fees.
- The UFB High Yield Savings Account offers up to 1.90% APY with interest compounded daily.
- Account balances $10,000.00 and above will earn the variable ongoing APY on the full account balance.
- The minimum deposit to open a UFB Direct High Yield Savings Account is only $100.
- FDIC insured to the maximum allowable limit.
(FDIC Insured)
Learn more about Axos Bank bonuses here.
BBVA Money Market (Available Nationwide)
Available for in-footprint states, BBVA is offering you a chance to earn 1.50% APY on unlimited balance for 12 months on their Money Market Account.
- 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 ATMs w/no fees
- Enjoy 24/7 online access with Online and Mobile Banking
(Visit BBVA for more details)
Read more about BBVA Money Market here. Our full list of BBVA Bank bonuses here.
Chase SavingsSM Account Bonus Offer
Earn a $150 bonus when you open a new Chase SavingsSM account and deposit a total of $10,000 or more in new money within 20 days. You must also maintain a $10,000 balance for 90 days.
- What you’ll get: $150 bonus
- Eligible account: Chase SavingsSM
- Credit inquiry: Soft pull, which does not affect your credit
- Where it’s available: Online Nationwide except Alaska, Hawaii, and Puerto Rico (Bank Locator)
- How to earn it: Open a new Chase Savings℠ account and deposit $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days.
- When you’ll receive it: After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
- Monthly fee: $12; waived by doing one of the following:
- Keep a minimum daily balance of $300 or more in your savings account
- Have at least one repeating automatic transfer of $25 or more from your Chase personal checking account (available only through Chase OnlineSM Banking)
- Have a linked Chase Premier Plus CheckingSM, Chase Premier Platinum CheckingSM, or Chase Private Client CheckingSM account.
(Expires 04/20/2020)
Read more about Chase Savings here. Our full list of Chase Bank bonuses here.
Best Bank Rates 2020
| Bank | Account Type | APY | Terms | Hard/Soft Pull | Review |
|---|---|---|---|---|---|
| Customers Bank | Money Market Account | 2.25% | $25K min/No max | Soft Pull | Review |
| Patriot Bank | Money Market | 2.21% | No min/No max | ? | Review |
| Fitness Bank | Savings Account | 2.20% | $100 min/No max | ? | Review |
| Sun East Federal Credit Union | MAX-Yield Money Market | 2.20% | $5K min/$250K max | Soft Pull | Review |
| CFG Bank | Online High Yield Money Market | 2.15% | $25K/No max | ? | Review |
| Elements Financial | Helium Savings | 2.10% | $2,500 min/ $250,000 max | Soft Pull | Review |
| TotalDirectBank | Money Market | 2.10% | $5K min/No max | ? | Review |
| BrioDirect | High Yields Online Savings | 2.05% | $25/No max | ? | Review |
| Quontic Bank | Money Market Account | 2.05% | $100K min/No max | ? | Review |
| CFBank | MMA | 2.02% | $25K min/No max | ? | Review |
| Affinity Plus Federal Credit Union | Money Market | 2.02% | $25K min/No max | ? | Review |
| BankUnitedDirect | Money Market | 2.00% | No min/No max | ? | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund | 2.00% | $500 min/No max | ? | Review |
| First Foundation Bank | Online Savings | 2.00% | $1K Min/No max | ? | Review |
| HSBC Bank | Direct Savings | 2.00% | $1 min/No max | Soft Pull | Review |
| MemoryBank | Money Market | 2.00% | No min/$1M max | ? | Review |
| My e-BAnC | eRelationship Savings | 2.00% | $25K min/$100K max | Soft Pull | Review |
| One American Bank | Savings | 2.00% | $50K min/No max | ? | Review |
| Pacific National Bank | Money Market Account | 2.00% | $5K min/ No max | ? | Review |
| SkyOne Federal Credit Union | High Yield Savings | 2.00% | $1K min/$No max | ? | Review |
| State Bank of India | Money Market | 2.00% | $1 min/$No max | Soft Pull | Review |
| North American Savings Bank | High Rate Savings Account | 1.97% | $50K min/$5M max | Soft Pull | Review |
| Prime Alliance Bank | Personal Savings | 1.96% | $10K min/No max | ? | Review |
| BMO Harris | Platinum Money Market | 1.95% | $5K min/No max | Soft Pull | Review |
| Customers Bank | High-Yield Savings | 1.95% | $25K min/No max | Soft Pull | Review |
| VIO Bank | Online Savings Account | 1.95% | $500 min/$250K max | ? | Review |
| Varo | Savings Account | 1.92% | No min/No max | ? | Review |
| CNB Bank Direct | Premium Money Market | 1.91% | $25k min/$2M max | ? | Review |
| Salem Five Direct | eOne Savings Account | 1.91% | No min/$1M max | Hard Pull | Review |
| SFGI Direct | Savings | 1.91% | No min/No max | ? | Review |
| BankPurely | Money Market Account | 1.90% | $25K min/No max | Soft Pull | Review |
| Colorado Federal Savings Bank | Premier Savings | 1.90% | $50K min/No max | ? | Review |
| Comenity Direct | High Yield Savings | 1.90% | $1 min/$10 M max | Soft Pull | Review |
| iGObanking | Money Market | 1.90% | $25K min/No max | ? | Review |
| My e-BAnC | Money Market Account | 1.90% | $5K min/$No max | ? | Review |
| PNC Bank (Many States) | High Yield Savings Account | 1.90% | $1 min/No max | Soft Pull | Review |
| Popular Direct | Ultimate Savings | 1.90% | $5K min/No max | ? | Review |
| Rising Bank | High Yield Savings | 1.90% | $1K min/$500K max | ? | Review |
| Sharon Bank | High Yield Money Market | 1.90% | $25K min/No max | ? | Review |
| Simple *$300 bonus* | Savings Account | 1.90% | $2K min/ No max | Soft Pull | Review |
| TAB Bank | High Yield Savings | 1.90% | No min/No max | ? | Review |
| UFB Direct | High Yield Savings | 1.90% | $25K min/No max | Soft Pull | Review |
| UFB Direct | Money Market | 1.90% | $25K min/No max | Soft Pull | Review |
| VirtualBank | eMoney Market Account | 1.87% | No min/No max | ? | Review |
| WebBank | High Yield Savings | 1.86% | $1K min/$500K max | ? | Review |
| able Banking | Money Market | 1.85% | $250 min/No max | Soft Pull | Review |
| Bank5 Connect | High-Interest Savings | 1.85% | $100 min/No max | Hard Pull | Review |
| Capital One | Business Savings | 1.85% | No min/$1M max | Soft Pull | Review |
| CitiBank | Savings Account | 1.85% | No min/No Max | Soft Pull | Review |
| Citizens Access | Online Savings Account | 1.85% | $5K min/No max | ? | Review |
| CIBC Bank | Agility Savings | 1.85% | $1K min/$1M max | ? | Review |
| CIT Bank | Money Market | 1.85% | $100 min/No max | Soft Pull | Review |
| Earn Bank | Money Market Account | 1.85% | No min/No max | ? | Review |
| Live Oak Bank | Savings Account | 1.85% | No min/$5M max | Soft Pull | Review |
| Northpointe Bank | Ultimate Money Market | 1.85% | $25K min/$1M max | Soft Pull | Review |
| Northpointe Bank | Ultimate Savings | 1.85% | $25k min/No max | ? | Review |
| Western State Bank | Money Market Account | 1.85% | No min/$3M max | ? | Review |
| Betterment | EverydayTMCash Reserve | 1.83% | $10 min/No max | ? | Review |
| First Internet Bank | Money Market | 1.81% | $100 min/No max | Soft Pull | Review |
| First Internet Bank | Business Money Market | 1.81% | $100 min/No max | Soft Pull | Review |
| MutualOneBank | Online Savings Account | 1.81% | $10 min/$1M max | ? | Review |
| BankPurely | SavePurely | 1.80% | $1 min/No max | Soft Pull | Review |
| CIT Bank | Savings Builder | 1.80% | $100/25K min/No max | Soft Pull | Review |
| Credit Karma | High Yield Savings | 1.80% | $0.01 min/No max | ? | Review |
| Dollar Savings Direct | High Interest Savings | 1.80% | No min/No max | ? | Review |
| EBSB Direct | Money Market | 1.80% | $10K min/No Max | ? | Review |
| Envision Bank | Savvy Savings | 1.80% | $25 min/No max | ? | Review |
| iGObanking | High Interest Savings | 1.80% | No min/No max | Hard Pull | Review |
| MySavingsDirect | Online Savings Account | 1.80% | No min/No max | Soft Pull | Review |
| PurePoint Financial | Online Savings Account | 1.80% | $10K min/No max | ? | Review |
| Wealthfront | Cash Account | 1.78% | $1 min/$1M max | ? | Review |
| Bank 7 | Savings | 1.76% | $100 min/No max | ? | Review |
| Bank 7 | Online Money Market Account | 1.76% | $5K min/$100K max | ? | Review |
| All America Bank | Mega Money Market | 1.75% | No min/$50K max | Soft Pull | Review |
| Bay State Bank | Money market Account | 1.75% | No min/No max | ? | Review |
| Colorado Federal Savings Bank | High Yield Savings | 1.75% | $1/No max | Soft Pull | Review |
| IncredibleBank | Money Market Account | 1.75% | $300K/No max | Soft Pull | Review |
| Investors Bank | eAccessMoney Market | 1.75% | No min/$2M max | Soft Pull | Review |
| M.Y. Safra Bank | Online Money Market | 1.75% | $5K min/$500K max | ? | Review |
| Redneck Bank | Mega Money Market | 1.75% | No min/$50K max | Soft Pull | Review |
| Sallie Mae Bank | Money Market | 1.75% | No min/No max | Soft Pull | Review |
| State Farm Bank | Money Market Account | 1.75% | $1K min/$5M max | ? | Review |
| Superior Choice Credit Union | Money Market | 1.75% | $50K min/No max | Soft Pull | Review |
| TIAA Bank | Money Market Account | 1.75% | $5K min/$250K max | ? | Review |
| Banesco USA | BanesGrow Savings Account | 1.71% | $300 min/No max | ? | Review |
| American Express Bank | High-Yield Savings | 1.70% | No min/$5M max | Hard Pull | Review |
| American Heritage Credit Union | High Yield Savings | 1.70% | $10K min/No max | Soft Pull | Review |
| Barclays | Online Savings | 1.70% | No min/No max | ? | Review |
| Capital One 360 | Performance Savings | 1.70% | $10K min/No max | Soft pull | Review |
| Discover Bank | Online Savings Account | 1.70% | No min/No max | Soft Pull | Review |
| FNBO Direct | Online Savings Account | 1.70% | No min/$1M max | ? | Review |
| Marcus By Goldman Sachs | Online Savings | 1.70% | No min/No max | Soft pull | Review |
| Mutual Bank of Omaha | Money Market | 1.70% | $1K min/$1M max | Soft Pull | Review |
| Sallie Mae Bank | Savings Account | 1.70% | No min/No max | Soft Pull | Review |
| Synchrony Bank | High Yield Savings | 1.70% | $1K min/$5M max | ? | Review |
| USALLIANCE | High Dividends Savings | 1.70% | $500 min/No max | Soft Pull | Review |
| Alliant Credit Union | High Yield Savings | 1.65% | $100 min/No max | Soft Pull | Review |
| Huntington Bank | Business Premier Money Market | 1.65% | $10K min/$2M max | Soft Pull | Review |
| Radius Bank | High-Yield Savings Account | 1.65% | $25K min/No max | Hard Pull | Review |
| Ally Bank | Online Savings | 1.60% | No min/No max | Soft Pull | Review |
| Bethpage Federal Credit Union | Money Market Account | 1.60% | $500/No max | Soft Pull | Review |
| Discover Bank | Money Market | 1.60% | $100K min/No max | Soft Pull | Review |
| Huntington Bank | Relationship Money Market | 1.60% | $25K min/$2M max | Soft Pull | Review |
| PenFed Credit Union | Online Savings | 1.60% | $1.00 min/No max | ? | Review |
| SoFi $50 bonus | SoFi Money Account | 1.60% | No min/No max | ? | Review |
| Northfield Bank | Platinum Savings Bank | 1.55% | No min/$100K max | ? | Review |
| Personal Capital | Cash Account | 1.55% | No min/No max | ? | Review |
| Banesco USA | Money Market Account | 1.51% | $100,000 min/No max | ? | Review |
| Umbrellabank | Money Market Account | 1.51% | $25K min/No max | ? | Review |
| My Banking Direct | Money Market | 1.50% | $25K min/No max | ? | Review |
| Quorum Federal Credit Union | HighQ Savings | 1.50% | No min/No max | ? | Review |
| SunTrust Bank | Advantage Money Market | 1.50% | $10K min/No max | ? | Review |
| BBVA | Money Market | 1.50% | No min/No max | Soft Pull | Review |
| Aspriation | Spend & Save Account | 1.00% | $10/No max | ? | Review |
| Capital One 360 | 360 Checking | 1.00% | $100K min/No max | Soft Pull | Review |
Best State Bank Rates 2020
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 |
|---|---|---|---|---|---|
| 1st Security Bank | WA | Optimum Savings | 3.00% | No min/$5K max | Review |
| SharePoint Credit Union | MN | eSavings | 3.00% | No min/$10K max | Review |
| First Home Bank | FL | Advantage Money Market | 2.50% | $50K minimum to earn high rate | Review |
| Mutual Bank | CT | MMA | 2.44% | $1K minimum to earn high rate | Review |
| Great Southern Bank | TX | Money Market Savings | 2.07% | $2,500 minimum to earn high rate | Review |
| Amboy Direct | NJ | eSavings Account | 2.05% | $1.00 min/$250,000 max | Review |
| Apco Employees Credit Union | AL | IRA Savings Account | 2.02% | $25 to earn high rate | Review |
| Unified Bank | OH | MMA | 2.01% | $20k minimum to earn high rate | Review |
| Central Minnesota CU | MN | My Goal Savings | 2.00% | $0+ minimum to earn high rate | Review |
| Heartland Bank | OH | MMA | 2.00% | $25K minimum to earn high rate | Review |
| Home Loan Investment Bank | RI, MA | Savings Account | 2.00% | $50K to earn high rate | Review |
| Kearny Bank | NJ, NY | MMA Plus | 2.00% | $1M minimum to earn high rate | Review |
| TBK Bank | TX | MMA | 2.00% | $100K minimum to earn high rate | Review |
| HarborOne Bank | CT, ME, MA, NH, RI, VT | Remarkable Savings Account | 1.85% | $5K minimum to earn high rate | Review |
| WauBank | AZ, CT, FL, MA, RI, TN, VA | High Yield Online Savings | 1.85% | $5K Minimum to earn rate | Review |
| College Savings Bank | AZ | Honor Savings | 1.82% | $250 minimum to earn high rate | Review |
| Citadel | PA | High Yield Savings | 1.80% | $10k minimum to earn high rate | Review |
| MapleMark Bank | OK, TX | MMA | 1.70% | $1K min to earn listed rate | Review |
| Clinton Savings Bank | MA | Savings Account | 1.60% | $100 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.
Savings account offers are frequently updated. Find the best nationwide Savings/Money Market rates here, and the best Savings account bonuses here. The Axos UFB High Yield Savings and CIT Bank Savings Builder accounts offer great rates available nationwide. The Discover Online Savings and Chase SavingsSM account have nice sign-up bonuses. |
||
| PROMOTIONAL LINK | RATE | REVIEW |
| Discover Bank Online Savings | 1.70% APY + $200 Cash | Review |
| UFB Direct High Yield Savings | 1.90% APY | Review |
| CIT Bank Savings Builder | 1.80% APY + $100/$200 Cash | Review |
| Simple | 1.90% APY | Review |
| American Express High Yield Savings | 1.70% APY | Review |
| BONUS LINK | OFFER | REVIEW |
| Chase SapphireSM Checking | $1,000 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Business Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® + Chase SavingsSM | $350 Cash | Review |
| Discover Bank Online Savings | $200 Cash | Review |
| CIT Bank Savings Builder | $200 Cash | Review |
| Discover Cashback Debit | $360 Cash | Review |
| HSBC Premier Checking Member FDIC | $700 Cash | Review |
| HSBC Advance Checking Member FDIC | $350 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
Related posts:
Hanover Community Bank Money Market Account Review: 2.00% APY Rate (New York only)
Bank of Internet USA Money Market Account Review: 1.05% APY Rate (Nationwide)
CommunityWide Fed Credit Union High Rate Quarterly Fund 2.00% APY (Nationwide)
Webster Bank Savings Account Review: 2.50% APY Rate (Connecticut, New York)
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!