Best high-yield savings rates

Requirements

Product: Monthly service charge is $2, waived with a minimum daily balance of $100. Transfers to another account or third parties by preauthorized, automatic, computer, or telephone transfer are limited to 6 per month. Unlimited in-person, messenger, mail, or ATM transfers/withdrawals. Interest rate and APY may change after account opening. Fees could reduce earnings.

Offer: Interest earned on a daily ledger balance. $2 monthly fee waived by maintaining a minimum daily balance of $100.

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: 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: No monthly service charge for customers under 22 years old. Customers 22 or older can avoid the $5 monthly service charge by maintaining a $50 average daily balance. Interest compounded and credited quarterly.

Offer: No monthly service charge for customers under 22 years old; waived for customers 22 or older with a $50 average daily balance. Rates current as of 10/1/26 and may change after account opening.

Requirements

Product: Establishes credit union membership. Dividends are calculated based on average daily balance and compounded and credited quarterly. No monthly maintenance fees or service charges.

Offer: Interest/dividends compounded quarterly.

Requirements

Product: A $5 minimum balance is required in a Regular savings account for all Altra members; this is your ownership share in the Credit Union. This account pays dividends quarterly.

Requirements

Product: Personal accounts and personal trusts only. Available at Old National banking centers or online (online opening available in IA, IL, IN, KY, MI, MN, ND, TN, WI; personal trusts in-person only). Combined balance of all Old National accounts cannot exceed $3,000,000. $25 fee if closed within 180 days.

Offer: Standard/lower tier rate for daily collected balances of $19,999.99 or less. Monthly fee of $20 waived with $5,000 minimum daily balance.

Requirements

Product: $5 quarterly fee if average balance falls below $100. Limited to 6 pre-authorized withdrawals or automatic transfers per calendar month.

Offer: Interest posted quarterly.

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: No monthly maintenance fee. Earn an extra $5 savings reward every month the balance grows by $200 or more for the first year (up to 12 rewards for new accounts). Variable rate account; minimum opening deposit is $25.

Offer: Applies to ZIP code 60603 (Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois). Interest compounded daily and credited monthly.

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.