Best high-yield savings rates

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY when eligibility requirements are met.

Requirements

Product: Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.

Offer: Applies to eligible new money deposited October 1 through December 31, 2026 (above the September 30, 2026 baseline for existing accounts). Beginning January 1, 2027, balances earn the then-current standard APY. Active and retired Fire Department employees qualify for a 0.25% rate bump to 4.60% APY.

Requirements

Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.

Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.

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: Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.

Requirements

Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.

Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).

Requirements

Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.

Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.

Requirements

Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.

Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.

Requirements

Product: Available online for Guam and CNMI and in branches for all other regions. Online account opening required. Must be funded within 30 days of opening. Interest compounded and credited monthly. Variable rate determined by Bank of Guam.

Offer: No minimum daily balance required to obtain APY. Maintenance fee waived if enrolled in e-Statements. Must be funded within 30 days of opening. In-branch deposit fee $3.00, in-branch withdrawal fee $3.00, paper statement fee $10.00.

Requirements

Product: Rates vary by tier and apply to the full balance. To attain higher rates, account requires a Patelco checking account (opened under the same Member Number) with recurring monthly deposits of $500 or more. If eligibility requirements are not met, account earns a lower default rate of 0.05% APY. New accounts earn tiered rates automatically for opening month and 2 months following. No monthly fee and no minimum balance requirements.

Offer: Requires meeting checking account relationship with $500+ monthly recurring deposit. Applies to full balance.

Requirements

Product: All share accounts are variable rate accounts. Member must maintain $5 par value.

Offer: Variable rate. Member must maintain $5 par value. $5 monthly below-balance fee waived with a daily balance of $500 or more.

Requirements

Product: Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.

Offer: Standard APY applies to balance equal to or below the September 30, 2026 baseline, or funds not qualifying as eligible new money. Active and retired Fire Department employees qualify for a 0.10% rate bump.

Requirements

Product: Minimum balance of $100 to earn dividends, an active checking account at RCU (minimum 3 transactions per month excluding telephone teller, fee or dividend posting transactions), and one of the following: minimum monthly digital deposit of $500.00 or more into account, an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances), an open loan at RCU in good standing, an investment account through Redwood Wealth Management with minimum balance of $5,000 or more, or active insurance policy.

Requirements

Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.

Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.