Best high-yield savings rates

Requirements

Product: Basic membership account representing one share of ownership in the credit union. Required for membership at the Credit Union. Opening balance of $25 required to keep the account open and use other credit union services. Dividends paid monthly. Can withdraw at any time without advance notice.

Offer: Dividends paid monthly.

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 18 and over. No monthly service fees.

Offer: Minimum monthly balance to earn dividends is $250.

Requirements

Product: Must be 18 and over. Includes Excess Share Insurance on balances up to $250,000 in addition to NCUA insurance. No monthly service fees.

Offer: Minimum monthly balance to earn dividends is $250.

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: Can open as many secondary savings accounts as wished without the $5 minimum opening balance.

Offer: Interest accrues daily, dividends paid monthly.

Requirements

Product: Required to establish Clearwater Credit Union membership and voting rights. $5 monthly minimum balance requirement.

Offer: Interest accrues daily, dividends paid monthly.

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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.

Requirements

Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.

Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.

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: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.

Requirements

Product: Secondary Share Savings account to assist with saving or budgeting. No monthly service charge. All accounts require $25 Membership Share.

Offer: Dividends accrue daily and are paid monthly at the end of each month.

Requirements

Product: Regular Share Savings Account gives access to all credit union products and services, member/owner participation and voting at Annual Membership Meeting. Requires $25 Membership Share deposit. No monthly service charge.

Offer: Dividends accrue daily and are paid monthly.