Best high-yield savings rates

Requirements

Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.

Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).

Requirements

Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.

Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY when eligibility requirements are met.

Requirements

Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.

Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.

Requirements

Product: Tiered rate savings account. To qualify for higher dividend rates/APYs, member must deposit at least $25.00 per month and enroll in e-statements (otherwise a $2/month paper statement fee applies). Non-qualifying accounts earn 0.10% dividend rate / 0.10% APY across the entire balance. Each qualifying dividend rate applies to the portion of the daily balance within each tier. Limit of one Purpose Savings account per primary member. Dividends compounded and credited monthly. No monthly maintenance fee; includes 6 fee-free foreign ATM withdrawals per month.

Offer: Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly.

Requirements

Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.

Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.

Requirements

Product: Special savings account automatically opened with QuickPay or enrolled via Paycheck Perks. Requires member in good standing. Tiered rates based on cumulative monthly direct deposits. Balances over $100,000 earn Regular Savings APY. Introductory offer applies for 5 consecutive months to new money. Variable-rate account.

Offer: Introductory rate for the first 5 consecutive months from account opening on new money. Requires checking account and cumulative monthly direct deposits of $2,500 or more. No balance cap during introductory period.

Requirements

Product: Must be at least 18 years old. Limit one per member. Available to new and existing AdelFi members beginning 10/16/2026. Minimum opening deposit of $1,000 in new money. Six withdrawals permitted each month without fee ($6 fee per withdrawal exceeding six). No monthly maintenance fee.

Offer: Requires minimum opening deposit of $1,000 in new money and minimum daily balance of $1,000 to earn advertised APY. Portions exceeding $100,000 earn the AdelFi Savings Account dividend rate (0.10%), resulting in a blended APY.

Requirements

Product: To qualify, member must maintain a Nuvision checking account with a balance of at least $500. One Advantage Choice Money Market Account Per Household. Opening deposit must be new money not currently on deposit. Reverse tier structure provides higher rate tiers with lower balances.

Offer: Earn up to 4.00% APY. Minimum balance of $1,000 required to open and must be new money not currently on deposit at the credit union. Requires maintaining a Nuvision checking account with a balance of at least $500. One account per household. Reverse tier structure provides higher rate tiers with lower balances.

Requirements

Product: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).

Offer: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).

Requirements

Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.

Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.

Requirements

Product: Must maintain a Nuvision checking account with a balance of at least $500. Opening deposit of at least $1,000 must be new money not currently on deposit at the credit union. Limit one account per household.

Offer: Earn up to 4.00% APY with reverse tiers providing higher rates on lower balances. Opening deposit must be new money not currently on deposit. Requires maintaining a Nuvision checking account with at least a $500 balance. Limit one per household.

Requirements

Product: Membership is required. New money deposits only (funds originating outside SkyOne Federal Credit Union). Limit one Altitude Savings Account per primary membership number. Variable-rate account.

Offer: Requires new money only. No direct deposit required. Dividends compounded and credited monthly based on average daily balance method.