Best high-yield savings rates

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 credit and compound annually. Rates subject to change after account opening.

Requirements

Product: Represents ownership of the credit union and makes member eligible for all products and services. Dividends credited and compounded monthly. Can be used for overdraft protection. Free online banking, eStatements, and mobile deposit.

Offer: Dividends paid monthly on balance of $100 or greater. No monthly service fee.

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: Must be paired with a Greater Checking account. To qualify for higher dividend rates, the following requirements must post and settle prior to the last business day of the month: at least 20 debit card purchases totaling $100 (PIN or signature based), enrollment in e-statements, and either direct deposit of at least $100/month into Greater Checking or at least one payment made via Greater Iowa bill pay from Greater Checking.

Offer: Base/non-qualifying rate earned on total balance if Greater Checking requirements are not met.

Requirements

Product: Interest earned on the full daily balance with no stated tiers. Variable rate may change after opening. Fees could reduce earnings. $2 paper statement fee per cycle waived for age 50+ or eStatements.

Offer: Daily balances of $0 or more. Rates current as of today's date; interest rate and APY may change after account opening. Fees could reduce earnings. Interest earned on daily balance; variable rate subject to change at First Mid's discretion.

Requirements

Product: Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate, otherwise non-qualifying rate applies. Unlimited withdrawals.

Offer: Non-qualifying rate applied when monthly qualifications are not met. No minimum balance required.

Requirements

Product: Minimum average daily balance of $5,000.01 required to earn interest.

Requirements

Product: Minimum average daily balance of $5,000.01 required to earn interest.

Requirements

Product: Basic savings account for lower balances and first-time savers. $5 minimum balance fee assessed monthly when daily balance falls below $200. $5 monthly paper statement fee can be avoided by enrolling in free eStatements. $1 monthly fee per requested debit card. Interest compounded monthly.

Offer: Applies to all balances. $5 monthly fee if daily balance falls below $200. $5 paper statement fee waived with eStatements. Interest compounded monthly.

Requirements

Product: Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. Limited to 6 convenient withdrawal transactions per month (branch or ATM withdrawals do not count toward the limit). No monthly fee.

Requirements

Product: Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. No minimum balance fees.

Requirements

Product: Basic savings account that requires a minimum $25 to open, making you an owner/member of the credit union. Earns APY on balances $100 and over. Dividends compounded monthly.

Offer: To earn APY, minimum balance must be maintained in the account every day. Dividends compounded monthly.

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).