Best high-yield savings rates

Requirements

Product: $50 minimum opening deposit. Monthly service charge is $3 (assessed as $9 quarterly) if Average Ledger Balance (ALB) falls below $200; fee is waived ($0) if an ALB of $200 or more is maintained. Up to 3 free withdrawals per month ($1 for each additional withdrawal). Accounts for children under 18 can be opened with any amount and will not receive the monthly service charge. eStatements are free; paper statements are $3 per statement period.

Offer: Interest is compounded and credited quarterly on month end statement dates in February, May, August, and November. $3 monthly service charge waived if an ALB of $200 or more is maintained.

Requirements

Product: Monthly service fee ($5.00) can be avoided by satisfying one of the following: monthly electronic transfers of at least $10 from personal checking account with BOK Financial, maintain monthly average collected balance of $250, or link to a Premier Checking account (accounts are not automatically linked). 0.05% bonus interest rate available when linked with Select Checking or Premier Checking (bonus interest rate is not automatically applied and must be requested).

Offer: Applicable to Arkansas (AR). Monthly fee of $5.00 waived with $250 monthly average collected balance, monthly electronic transfer of at least $10 from BOK Financial personal checking, or link to Premier Checking.

Requirements

Product: $10 monthly fee if below minimum/$10 service charge per excessive withdrawal. Transfers from a MMDA to another account or to third parties by preauthorized, automatic, phone, or computer transfer or by check, draft or similar order to third parties are limited to six per statement cycle.

Offer: $10 monthly fee if below minimum

Requirements

Product: Also referred to as Regular Savings. $3 monthly fee if balance falls below $100. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. Interest credited semi-annually.

Offer: $3 monthly fee waived if balance stays at or above $100.

Requirements

Product: Available to members with a checking account or to members who deposit a minimum of $25,000 in new money. Minimum balance to open is $1,000 for members with a checking account or $25,000 in new money. $10 monthly fee for balance less than $1,000. Dividends are calculated and paid monthly.

Offer: Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. $10 monthly fee for balance less than $1,000. Variable rate.

Requirements

Product: Minimum balance service charge of $5 per quarter waived with a $100 daily balance; waived along with excess withdrawal fees for primary account owners age 23 & under. Primary account owner age 17 and under requires adult (18+) joint owner. Enrollment in Online Banking required (age 13+). Free ATM card eligibility age 14+.

Offer: Interest compounded and credited monthly. Variable rate may change after account opening. Minimum balance service charge is $5 per quarter (waived with $100 daily balance or age 23 & under). Excess withdrawal fee of $1 per withdrawal/debit over 9 per quarter.

Requirements

Product: Interest is compounded and credited quarterly. 3 free withdrawals per month; $1 fee for withdrawals in excess thereafter.

Offer: Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Avoid the $1.00 monthly service fee by maintaining a daily balance of $100.00 per statement cycle. If closed before interest is credited, accrued interest is not received.

Requirements

Product: Membership requires living or working in eligible Missouri/Kansas counties and a $1 deposit into a Share Savings account. Dividends calculated by the average daily balance method. No monthly service charge.

Offer: Daily balance of $100 or more to earn stated APY. Dividends calculated by average daily balance method and paid monthly.

Requirements

Product: Dividends calculated by the average daily balance method.

Offer: Daily balance of $100 or more to earn stated APY. Dividends calculated by average daily balance method.

Requirements

Product: Must be eligible for membership. Insured by the NCUA.

Requirements

Product: No maintenance service charge if daily account balance stays above $200.

Offer: No maintenance service charge if daily account balance stays above $200.

Requirements

Product: Open with a minimum $5.00 share deposit to join Mainstreet Credit Union. Dividends compound quarterly.

Offer: Credited and compounded quarterly.

Requirements

Product: No minimum opening deposit and no minimum balance. Four withdrawals permitted per calendar year ($5 fee per additional withdrawal). Dividends compound quarterly.

Offer: Credited and compounded quarterly. Rate applies to average daily balances up to $1,000 during promotional period (October 1 – January 4, 2027). Variable rate, accurate as of 10/1/2026. Qualifications: must have an active Spend account and at least one recurring transfer from Spend to Emergency Savings that posts and settles within the calendar month. Limit one promotional APY per member.

Requirements

Product: Requires a minimum opening deposit of $100. Must already have an open Membership Savings Account.

Offer: Credited and compounded quarterly. Requires a minimum opening deposit of $100.