Best high-yield savings rates

Requirements

Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.

Offer: Rate after the 6-month Online Savings New Customer Special introductory period; variable and may change at any time. No minimum balance to earn interest.

Requirements

Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.

Offer: New Customer Special: 3.35% promotional interest rate for the first 6 months. 3.21% is a blended APY over the first 12 months, not a standalone post-promo APY. New customers only; anyone who currently has or had an open PSBT account in the past six months is ineligible. After 6 months the account converts to the standard Online Savings rate. No minimum balance to earn interest. Promo as-of dates conflict: 2026-08-12 on the deposit-rate page vs 2026-07-21 on the product page.

Requirements

Product: Enhanced rates require being the primary owner of a qualifying MaxEarnings Checking account. Variable rates; no minimum balance required to earn interest. Product page: $5 monthly fee if average daily balance falls below $25, refunded with recurring direct deposit. Comparison table instead uses a $100 average-daily-balance threshold and $0/$5 fee. Interest compounding is stated as monthly on the product page and quarterly in one feature blurb.

Offer: Qualifying tier 1: primary owner on a qualifying MaxEarnings Checking account. Rate paid on the entire balance when daily balance is at least $0.01 and less than $25,000. Variable; no minimum balance to earn interest. $5 monthly fee if average daily balance is below the stated threshold; waived/refunded with recurring direct deposit.

Requirements

Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account that includes two out of the three following criteria: a debit card, direct deposit, and/or a $25,000 balance at the time the High Yield MMDA account is opened. Only one High Yield MMDA account per customer.

Offer: Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500.

Requirements

Product: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances in your Kasasa Saver account earn the qualifying dividend rate that corresponds to the daily balance. When qualifications are not met, daily balances earn the nonqualifying dividend rate. If closed during cycle, dividends accrued at nonqualifying rate.

Offer: Qualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances up to $50,000.

Requirements

Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.

Offer: Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.

Requirements

Product: Minimum daily balance of $2,500 required to avoid $10.00 monthly service fee (assessed if balance falls below $2,500 on one or more days in a statement cycle). Dividends compounded and credited monthly. The dividend rate used for the entire balance is the dividend rate of the highest tier that corresponds to the balance.

Offer: Minimum daily balance of $2,500 required to avoid $10.00 monthly fee.

Requirements

Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.

Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.

Requirements

Product: Must be paired/linked with a Keystone Cash or Keystone Cashback checking account (Keystone Rewards). Limit one Keystone Rewards checking and savings account per tax-reported owner. No monthly service charge. No minimum balance required to earn interest.

Offer: Qualifications met on linked Keystone Cash or Keystone Cashback Checking Account: 12 debit card purchases that post and settle within monthly qualification cycle (ATM transactions excluded), enroll in and log in to online banking at least once per cycle, receive eStatements in place of paper statements.

Requirements

Product: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances in your Kasasa Saver account earn the qualifying dividend rate that corresponds to the daily balance. When qualifications are not met, daily balances earn the nonqualifying dividend rate. If closed during cycle, dividends accrued at nonqualifying rate.

Offer: Qualifying rate when Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle for balances over $50,000.

Requirements

Product: Enhanced consumer money market when linked to an active PSBT personal checking account with one recurring qualifying direct deposit, an active debit card, and online banking enrollment. Interest rates are tiered based on aggregated relationship balance. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum balance is required to earn interest. $8.00 monthly service charge if average daily balance falls below $2,500.00; marketing also states no monthly fee with a linked account. Offered in PA, NY, and NJ.

Offer: Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00.

Requirements

Product: Foundation for membership; all member-owners required to have a Share Savings Account. Can be individual or joint ownership. Can be used as collateral on a loan.

Requirements

Product: Sub-account under member number to organize and reach specific goals. Unlimited sub-accounts can be opened. Earns same rate as Share Savings Account.

Requirements

Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.

Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.

Requirements

Product: Must maintain a First Northern Bank and Trust Royal Checking Account or Royal Checking Blue Account. Balance requirement to obtain APY can be a combined balance of Royal Checking and Royal Savings.

Offer: Must maintain a Royal or Royal Blue Checking account. Minimum daily balance of $100.00 to obtain APY can be a combined balance of Royal Checking and Royal Savings.