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: Open to residents or workers in Butler, Cerro Gordo, Franklin, Floyd, Hancock, Mitchell, Winnebago, Worth, or Wright County, IA, or eligible family members. Initial $25 deposit ($5 for members under 16) is required to open and must remain in the account to maintain membership.

Offer: Rates subject to change after opening without prior notice. Minimum $25 to open ($5 for members under 16).

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: Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.

Requirements

Product: $25.00 account minimum is a member's ownership share. No monthly or annual service fees as long as account is active (inactive over a year may incur inactive account fee). Dividends calculated using Average Daily Balance, dividend credit and compounds monthly.

Requirements

Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. To earn qualifying rewards rates, must meet checking qualifications each monthly qualification cycle: at least 12 POS debit card purchases post and settle, at least 1 ACH automatic credit post and settle, maintain valid email address, and enroll in eStatements.

Offer: Base rate paid on entire balance when monthly qualifications are not met in linked Kasasa checking account.

Requirements

Product: Basic savings account giving ownership and membership privileges. A minimum of $25.00 must stay in this account at all times.

Offer: Minimum $1.00 for rate/APY. A $10.00 fee applies if share account is closed in first 60 days.

Requirements

Product: Quarterly statement unless electronic transfers or paired with First Citizens checking. $2.00 monthly service charge waived by maintaining a $100 average collected balance.

Offer: Earn interest on daily collected balance, compounded and paid quarterly. $2.00 monthly maintenance fee waived with $100 minimum average collected balance.

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: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.

Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.

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: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.