Best high-yield savings rates

Requirements

Product: Open to members who live, work, worship, or attend school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville, and immediate family of current members. Requires a $1 one-time membership fee. $5 minimum balance required to keep the account active. Dividends are declared by the Board of Directors, calculated through the last day of the quarter, and paid quarterly on the first day of the following quarter.

Offer: Quarterly dividend rate subject to change quarterly; rate reflects previous quarter's declared rate. $5 minimum deposit required to open.

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: Dividends are earned on daily balance, compounded monthly, and credited monthly. Must deposit $5 to purchase one share and become a member.

Offer: Rate applies to daily balances under $9,999.99.

Requirements

Product: Links to free Kasasa Cash or Kasasa Cash Back checking. No monthly service fee or minimum balance to earn rewards.

Offer: Base rate applied to all balances if monthly qualifications are not met in the linked Rewards Checking account.

Requirements

Product: Applicants must be 18 years of age or older to open an account; applicants under 18 must have an adult co-owner (18 years or older).

Offer: To obtain the disclosed APY, must maintain a minimum average daily balance of $25 each day. Interest credited on balances of $25 and above. Minimum balance fee of $5 imposed every month if the balance falls below $50 any day of the month/statement cycle.

Requirements

Product: Variable-rate account that moves with the Wall Street Journal Prime Rate. $10 monthly service fee is waived if a $5,000 minimum balance is maintained. Six free withdrawals per statement cycle ($2 fee per withdrawal exceeding 6).

Offer: Base rate applied to all balances when FirstRewards Checking qualifications are not met or upon closure of the FirstRewards Checking account. $10 monthly fee waived with $5,000 minimum balance.

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: Requires a linked Better Interest Checking or Better Cash Back account. Paper statements incur a $3.00 monthly fee if selected instead of e-statements.

Offer: Entire daily balance earns 0.05% APY / 0.05% interest rate when linked checking account qualifications are not met.

Requirements

Product: Must be linked to a qualifying Kasasa Cash or Kasasa Cash Back checking account. Rates are variable and may change after opening. Qualification requirements met via linked checking account (Kasasa Cash: at least 10 debit card purchases and 1 ACH credit/payment post and settle, e-Statements; Kasasa Cash Back: at least 15 debit card purchases and 1 ACH credit/payment post and settle, e-Statements).

Offer: Applies to all balances if monthly qualifications are not met.