Best high-yield savings rates

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: $10,000 minimum balance requirement. Limited to six withdrawals per month. Interest compounded quarterly.

Offer: Balances below $10,000 earn 0.00% APY (no interest).

Requirements

Product: Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.

Offer: No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.

Requirements

Product: APY tiers apply to the entire balance based on average daily balance.

Requirements

Product: Eligible accounts include Lake City Bank consumer deposit accounts (except Personal Savings, Getting Ahead Savings, Restricted Access Savings, Rewards Savings, Rewards Plus Savings, Rewards Checking, Rewards Plus Checking), trust accounts, installment loans, mortgage loans and personal lines of credit (Cash Line, Executive, Home Equity, Visa® Credit Card). Visa Credit Card accounts may take up to 60 days after approval to become eligible. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.

Offer: Paid on balances up to $4,999.99. Maintain a $5,000 average collected balance to avoid $10 monthly maintenance fee.

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: No minimum balance required to open or maintain account. Access via debit cards or checks (paper or electronic) not permitted. Limit of 8 withdrawals per calendar month; withdrawals over the limit will be assessed a fee. $5 monthly account maintenance fee can be avoided by receiving eStatements. Membership qualifying account required. Insured up to $500,000 via ASI and ESI.

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: 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: 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: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.

Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.

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 $10,000 balance in 3 or more eligible Lake City Bank accounts.

Requirements

Product: Limited transaction account serving as an alternative to share certificates. Limited to one withdrawal per quarter without penalty ($10 fee per excess withdrawal). Permissible transfers out via MSR, Digital Banking, or Telephone Banking. No access permitted by debit card or ACH. Unlimited deposits via MSR, Digital Banking, and Telephone Banking. $25 fee if closed within 6 months of opening. Monthly dividends. No minimum balance requirement. Rates vary depending on whether relationship requirements are met. CLFCU membership required.

Offer: With relationship