Best high-yield savings rates

Requirements

Offer: Compounded monthly. Up to 6 free withdrawals per month; $3 fee per withdrawal thereafter.

Requirements

Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.

Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).

Requirements

Product: Maintain a $300 minimum daily balance in the account to avoid the $3 monthly maintenance fee. Interest is compounded daily and paid monthly.

Offer: Maintain a $300 minimum daily balance to avoid the monthly maintenance fee. Applies to all balances.

Requirements

Product: Maintain a $2,500 minimum daily balance in the account to avoid the $10 monthly maintenance fee. Interest is compounded daily and paid monthly.

Offer: Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee.

Requirements

Product: Must maintain a $300 minimum daily balance during the quarterly statement cycle to earn disclosed APY and avoid the $9 quarterly service fee. $50 early account closure fee if closed within 90 days of opening.

Offer: Requires a minimum daily balance of $300 to obtain disclosed APY. $9 quarterly service fee applies if balance falls below $300.

Requirements

Product: No monthly service charges or transaction fees Convenient access via branch, online banking, or by phone Online Banking + Mobile App + eStatements Federally insured by NCUA up to $250,000 per individual depositor

Requirements

Product: Tiered rate interest-bearing account. Interest is calculated using the average daily balance method and compounded and credited monthly. The minimum average daily balance required to earn the APY for the interest period is $2,000; if not met, no interest will be paid. Once a tier is met, the rate applies to the full balance.

Offer: Minimum average daily balance of $2,000 required to earn APY. Rate applies to full balance.

Requirements

Product: Up to 6 transfers per calendar month per account/suffix for preauthorized, automatic, overdraft, and telephone transfers. Must have a minimum balance of $5 to maintain membership in good standing.

Offer: Minimum of $5.00 deposited in order to earn stated APY. No monthly account fee if enrolled in paperless e-Statements; otherwise fee is $2/month.

Requirements

Offer: $3.00 monthly service fee applies if balance falls below the $100.00 minimum daily 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: Regular Savings are dividend-bearing accounts with dividends compounded and credited quarterly based on the average daily balance method. Minimum average daily balance to earn APY is $100. Par value of a regular share is $1. Rate applies to full balance once tier is met.

Offer: Tier rate applies to the full balance. Minimum average daily balance to earn APY is $100.

Requirements

Product: Tiered rate interest-bearing account. Interest is calculated using the average daily balance method and compounded and credited monthly. The minimum average daily balance required to earn the APY for the interest period is $2,000; if not met, no interest will be paid. Once a tier is met, the rate applies to the full balance.

Offer: Minimum average daily balance of $2,000 required to earn APY. Rate applies to full balance.

Requirements

Product: Monthly maintenance fee of $3 (waived by maintaining a minimum daily balance of $200 or receiving at least $25 in automatic transfers from a linked checking account). Limited to 6 withdrawals/transfers per monthly statement cycle.

Offer: Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly.

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.