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: Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.

Offer: Gold Savings has the minimum of $10,000 to open and no interest earned for that day. Fees could reduce earnings. APY is based on quarterly compounding. ChexSystems reports may be pulled for new customers.

Requirements

Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).

Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.

Requirements

Product: Interest earned on the full daily balance with no stated tiers. Variable rate may change after opening. Fees could reduce earnings. $2 paper statement fee per cycle waived for age 50+ or eStatements.

Offer: Daily balances of $0 or more. Rates current as of today's date; interest rate and APY may change after account opening. Fees could reduce earnings. Interest earned on daily balance; variable rate subject to change at First Mid's discretion.

Requirements

Offer: Up to 6 withdrawals per month ($2.00 per item fee for each withdrawal over the limit). Fixed rate on entire balance compounded monthly.

Requirements

Product: Avoid a $5.00 monthly service charge by maintaining a $50 average daily balance. Paper statements are $2.50 quarterly; eStatements are free.

Offer: $5.00 monthly service charge waived by maintaining a $50 average daily balance. Paper statements are $2.50 quarterly; eStatements are free.

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: Minimum to open the account is only $50 for 18 and over. Under 18 can open an account for $25. Average quarterly balance of $200 required to avoid $3 charge (waived for under 18). Interest compounded and credited quarterly based on daily balance. $1.75 charge per withdrawal over 9 per quarter (waived if $500 minimum quarterly balance or under 18).

Offer: Level 4 tier for daily balance of less than $25,000.

Requirements

Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).

Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.

Requirements

Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.

Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.

Requirements

Product: No monthly maintenance fee. Earn an extra $5 savings reward every month the balance grows by $200 or more for the first year (up to 12 rewards for new accounts). Variable rate account; minimum opening deposit is $25.

Offer: Applies to ZIP code 60603 (Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois). Interest compounded daily and credited monthly.

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%.