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: 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: Variable rate account. Monthly fee of $2.00 is imposed every month if the daily balance on any day of the month falls below $100.00. 6 transfers/withdrawals per month; $1 for each additional.

Offer: Monthly fee of $2.00 waived if daily balance does not fall below $100.00. Interest paid quarterly.

Requirements

Product: Variable interest rate. $5 monthly service fee waived with $250 average daily balance. Withdrawal fee of $3.00 for each withdrawal in excess of 3 per month; unlimited free withdrawals at Emprise ATMs.

Offer: $5 monthly service fee waived with $250 average daily balance. Variable interest rate; earnings compounded and credited monthly.

Requirements

Product: No minimum opening deposit and no minimum balance required. To qualify for dividends, must have an active Spend account and at least one recurring internal transfer from the Spend account to the Emergency Savings account that posts and settles within the calendar month. Limit one promotional APY per member.

Offer: Limited-time promotional APY earned on average daily balances up to $1,000 from October 1, 2026 to January 4, 2027 for accounts meeting monthly qualifications (active Spend account and at least 1 recurring transfer from Spend account that posts and settles in calendar month). After promotion, APY reverts to the standard APY. Limit one promotional APY per member.

Requirements

Product: Requires a $5 deposit/balance to establish and maintain membership. Dividends are credited and compounded quarterly.

Offer: Dividends are credited and compounded quarterly.

Requirements

Product: Requires a minimum opening deposit of $100. No minimum balance required. Dividends credited and compounded quarterly.

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

Requirements

Product: Fees may reduce earnings. Rates are subject to change without notice.

Requirements

Product: Minimum balance to open is $1,000. $10 monthly fee for balance less than $1,000. Dividends are calculated and paid monthly.

Offer: Variable rate. $10 monthly fee for balance less than $1,000.

Requirements

Product: Must have a Kasasa Cash or Kasasa Cash Back checking account to open. To qualify for highest rates, during each Monthly Qualification Cycle: at least 1 direct deposit, ACH credit, or ACH payment transaction, and at least 12 debit card purchases. Must be enrolled in and log in to online banking at least once and be enrolled in and receive eStatements. Monthly fee is $0.00.

Offer: Applies to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking account.

Requirements

Product: Establishes membership at Envista. No monthly service charge or minimum balance requirement. $200 minimum balance to earn stated APY.

Offer: Requires $200 minimum balance to earn stated APY. $5 minimum opening deposit. No monthly service charge.

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: Must be linked to a Kasasa Cash - Multi Level or Kasasa Cash Back checking account. Rewards and cash back earned in checking auto-transfer into Kasasa Saver. $100 minimum deposit to open. No monthly maintenance fees.

Offer: Base rate applied to the entire daily balance if monthly qualifications are not met in the linked Kasasa checking account.