Best high-yield savings rates

Requirements

Product: Dividends calculated by the average daily balance method.

Offer: Daily balance of $100 or more to earn stated APY. Dividends calculated by average daily balance method.

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: Requires a Premier Checking relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).

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

Requirements

Product: Deposit $25.00 to open. $5.00 maintenance fee waived for daily balance of $100.00 or more, or if under age 21.

Offer: Must maintain a minimum balance of $0.01 in the account each day to obtain disclosed APY. $5.00 maintenance fee waived for daily balance of $100.00 or more or if under age 21.

Requirements

Product: Unlimited withdrawals each month. $3 monthly minimum balance fee waived for persons 17 and under and over 60.

Offer: Variable interest rate may change after account opening. $3 monthly fee if balance falls below $100 minimum; fee waived for persons 17 and under and over 60.

Requirements

Product: Requires a Free Checking, Access Debit Account, or Premier Checking Relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).

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).

Requirements

Product: Limit one High Interest Savings or Delta Savings account per member. The High Interest Savings account is only available to Consumer accounts (Business and IRA accounts do not qualify). Minor Savings accounts are not eligible.

Offer: First tier APY is conditional on meeting requirements: enrolled in eStatements, monthly direct deposit of at least $250 posted to one deposit account, and single checking account with 15 posted POS debit card transactions per month; OR enrolled in eStatements and single checking account with 25 posted POS debit card transactions per month. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Requirements must be met by the day before the last day of the month.