Best high-yield savings rates

Requirements

Product: Enrolling in the CW Cents Savings Round-Up Program rounds up debit card purchases associated with CW Checking account to the next whole dollar amount and transfers the excess from CW Checking to CW Cents Savings account.

Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time.

Requirements

Product: No monthly service charges. Additional savings accounts have no minimum balance requirements.

Offer: Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month on entire balance. No penalty withdrawal period is any time.

Requirements

Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.

Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.

Requirements

Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.

Offer: Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts.

Requirements

Product: Higher dividend savings account with tiered rates and no withdrawal fees. Minimum average daily balance of $500.00 is required to qualify for dividends. Dividends compound and are paid monthly on average daily balance. Rates are variable.

Requirements

Product: Tiered dividend structure. No term commitment.

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

Requirements

Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.

Offer: Earned on balance up to $50,000 when meeting monthly qualifications and having 3 or more eligible Lake City Bank accounts.

Requirements

Product: Requires a Rewards Plus Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.

Offer: Earned on entire Rewards Plus Savings balance when meeting monthly qualifications.

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: Minimum daily balance of $250 avoids monthly service charge; monthly service charge is waived for customers age 55 or older upon request. Interest is compounded and credited quarterly.

Offer: $50 minimum daily balance to obtain APY. $250 minimum daily balance to avoid monthly service charge (waived for customers age 55 or older upon request).

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.

Requirements

Product: Requires a Rewards Checking Account. Monthly fee of $9 is reduced to $7 with eStatement, and waived by maintaining a $300 average daily ledger balance.

Offer: Earned on balance up to $50,000 when meeting monthly qualifications and maintaining a combined $25,000 balance in 4 or more eligible Lake City Bank accounts.

Requirements

Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.

Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.