Best high-yield savings rates

Requirements

Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).

Offer: Standard rate for any balance without relationship rate qualification.

Requirements

Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).

Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.

Requirements

Product: When the account has a zero balance for sixty consecutive days, the account will automatically close. Monthly withdrawal limits and quarterly compounding interest.

Requirements

Product: When the account has a zero balance for sixty consecutive days, the account will automatically close. Monthly withdrawal limits and quarterly compounding interest.

Requirements

Product: Linked to free Kasasa Cash or Kasasa Cash Back account; automatic transfers of checking cash rewards into Kasasa Saver; free eStatements required; deposit required to open. Qualifications: at least 10 debit card purchases posted/settled, at least 1 direct deposit or ACH auto debit posted/settled, and receive monthly statement electronically.

Offer: Earned if eligibility requirements are not met on Kasasa Cash or Kasasa Cash Back.

Requirements

Product: Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. Limited to 6 convenient withdrawal transactions per month (branch or ATM withdrawals do not count toward the limit). No monthly fee.

Requirements

Product: Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. No minimum balance fees.

Requirements

Product: Must have Life Checking account in order to have Life Savings. No minimum balance required. Qualifying rate requires 20 debit card transactions on the Life Checking account; otherwise earns 0.01% APY on the entire balance.

Offer: Requires 20 debit card transactions on paired Life Checking account; otherwise earns 0.01% APY on entire balance. Variable rate account.

Requirements

Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.

Offer: Monthly service fee waived with $100 minimum daily ledger balance.

Requirements

Product: Offered in conjunction with Real Cash Back Checking. Requires meeting monthly qualification cycle requirements (eStatements, Direct Deposit, and 10 debit transactions posted and cleared) to earn tier 1 rates.

Offer: When qualifications are not met during a Monthly Qualification Cycle, the interest rate on the entire balance is 0.010% with corresponding APY in the range of 0.05% to 0.15%.

Requirements

Product: Offered in conjunction with Real Rewards Checking. Requires meeting monthly qualification cycle requirements on Real Rewards Checking account to earn tier 1 rates.

Offer: When qualifications are not met during a Monthly Qualification Cycle, the interest rate on the entire balance is 0.010% with an APY in the range of 0.05% to 0.15%.