Best high-yield savings rates

Requirements

Product: Variable rate account. Monthly fee of $2.00 is imposed every month if the daily balance on any day of the month falls below $100.00. 6 transfers/withdrawals per month; $1 for each additional.

Offer: Monthly fee of $2.00 waived if daily balance does not fall below $100.00. Interest paid quarterly.

Requirements

Product: Variable interest rate. $5 monthly service fee waived with $250 average daily balance. Withdrawal fee of $3.00 for each withdrawal in excess of 3 per month; unlimited free withdrawals at Emprise ATMs.

Offer: $5 monthly service fee waived with $250 average daily balance. Variable interest rate; earnings compounded and credited monthly.

Requirements

Product: No minimum opening deposit and no minimum balance required. To qualify for dividends, must have an active Spend account and at least one recurring internal transfer from the Spend account to the Emergency Savings account that posts and settles within the calendar month. Limit one promotional APY per member.

Offer: Limited-time promotional APY earned on average daily balances up to $1,000 from October 1, 2026 to January 4, 2027 for accounts meeting monthly qualifications (active Spend account and at least 1 recurring transfer from Spend account that posts and settles in calendar month). After promotion, APY reverts to the standard APY. Limit one promotional APY per member.

Requirements

Product: Requires a $5 deposit/balance to establish and maintain membership. Dividends are credited and compounded quarterly.

Offer: Dividends are credited and compounded quarterly.

Requirements

Product: Requires a minimum opening deposit of $100. No minimum balance required. Dividends credited and compounded quarterly.

Offer: Requires a minimum opening deposit of $100. Dividends credited and compounded quarterly.

Requirements

Product: Fees may reduce earnings. Rates are subject to change without notice.

Requirements

Product: Minimum balance to open is $1,000. $10 monthly fee for balance less than $1,000. Dividends are calculated and paid monthly.

Offer: Variable rate. $10 monthly fee for balance less than $1,000.

Requirements

Product: Must have a Kasasa Cash or Kasasa Cash Back checking account to open. To qualify for highest rates, during each Monthly Qualification Cycle: at least 1 direct deposit, ACH credit, or ACH payment transaction, and at least 12 debit card purchases. Must be enrolled in and log in to online banking at least once and be enrolled in and receive eStatements. Monthly fee is $0.00.

Offer: Applies to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking account.

Requirements

Product: Establishes membership at Envista. No monthly service charge or minimum balance requirement. $200 minimum balance to earn stated APY.

Offer: Requires $200 minimum balance to earn stated APY. $5 minimum opening deposit. No monthly service charge.

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: Must be linked to a Kasasa Cash - Multi Level or Kasasa Cash Back checking account. Rewards and cash back earned in checking auto-transfer into Kasasa Saver. $100 minimum deposit to open. No monthly maintenance fees.

Offer: Base rate applied to the entire daily balance if monthly qualifications are not met in the linked Kasasa checking account.

Requirements

Product: Automatically makes you a member and part owner of the Credit Union. Minimum balance to maintain membership/avoid fee is $5.00 ($2.00/month service fee if minimum balance not maintained). $10 closing fee if opened less than 6 months. Free transfers limited to 6 per calendar month/statement cycle.

Offer: Dividends compounded and credited monthly based on calendar month average daily balance. $2.00 monthly service charge fee if minimum balance is not maintained.

Requirements

Product: Interest compounded daily and credited calendar quarterly. No monthly service charges or minimum balance fees.

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).