Best high-yield savings rates

Requirements

Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.

Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.

Requirements

Product: No fee with balances over $1,000.

Offer: Earn up to 3.75% APY. No fee with balances over $1,000.

Requirements

Product: *Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.

Offer: Total dividend of 3.37% APY (includes additional bonus dividend of 2.87% APY). Requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account within the same membership, posted by 5:00 PM EST on the last business day of the month. $0.01 minimum deposit required.

Requirements

Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.

Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.

Requirements

Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.

Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.

Requirements

Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.

Offer: Standard tier rate.

Requirements

Product: Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.

Offer: No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.

Requirements

Product: Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.

Offer: Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.

Requirements

Product: Must have a linked Thrive Rewards Checking or Thrive Cash Back Checking account. Limit of 1 account per primary Social Security Number.

Offer: Applies to daily balances up to and including $100,000 when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are met during the Monthly Qualification Cycle (at least 15 debit card transactions of at least $3.00 each, at least 1 direct deposit or ACH transaction, and enrollment in e-statements).

Requirements

Product: Must have a share savings account ($5 minimum deposit) to be a member and qualify. Unlimited electronic withdrawals and deposits; not subject to Regulation D withdrawal limitations or fees.

Offer: Monthly requirements met: maintain a Circle FCU checking account, complete at least one debit card transaction (PIN, signature, or POS) during the month, and receive at least $50 in ACH deposits into any eligible sub account under membership (excluding primary 000 Share Savings).

Requirements

Product: Tiered dividend structure. No term commitment.

Offer: Balance required to earn dividends: Less than $100,000.

Requirements

Product: Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.

Offer: Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates.

Requirements

Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.

Offer: Standard tier rate.

Requirements

Product: *Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.

Offer: Base dividend 0.50% APY. $0.01 minimum deposit required.

Requirements

Product: Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.

Offer: Standard tier rate.