Best high-yield savings rates

Requirements

Product: A Savings Account with a $5 initial deposit must be established to be eligible for other accounts, loans and Shell FCU benefits. This initial savings account is considered a Membership Account.

Offer: Variable rate type. Minimum balance required to receive disclosed APY.

Requirements

Product: Opening deposit terms conflict: schedule states $0, product page states $5. Requires $0 minimum to avoid service fee. May be closed after 60 days of zero balance.

Offer: Minimum balance to earn APY is $0.01.

Requirements

Product: Requires $5 opening deposit. No minimum balance required after opening.

Offer: Minimum balance to earn APY is $0.01.

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: Dividends compounded and credited monthly. Daily balance method. As a condition of membership, member must purchase and maintain 1 share ($1.00 par value).

Offer: Minimum opening balance is $1; minimum daily balance to earn dividends is $500.

Requirements

Product: Must be a Texas resident and at least 18 years of age (or have a co-owner). Must have a linked Kasasa Cash or Kasasa Cash Back account which must remain open. Requires eStatements and monthly Direct Deposit/ACH credit on the linked checking account. No monthly service fee.

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

Requirements

Product: Traditional savings account for minors or special purposes. Variable rate subject to change at credit union discretion.

Offer: Monthly maintenance fee waived with daily ledger balance of $100.00 or greater, e-statements and direct deposit, being a minor under 18, or being over 50. Minimum balance to open is $25.00 on fee schedules or $5.00 on product page.

Requirements

Product: Required for all members to maintain membership. Dividends earn on funds above required share balance. Variable rate subject to change at credit union discretion.

Offer: Monthly maintenance fee waived with daily ledger balance of $25.00 or greater, or with e-statements and direct deposit. Minimum balance to earn dividends is $25.00.

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: Minimum average daily balance of $100.00 is required to earn dividends. Simple interest method, paid monthly. Variable rate subject to change.

Offer: Minimum average daily balance of $100.00 to earn dividends.

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: Monthly maintenance fee of $3 (waived by maintaining a minimum daily balance of $200 or receiving at least $25 in automatic transfers from a linked checking account). Limited to 6 withdrawals/transfers per monthly statement cycle.

Offer: Rates effective as of 10/07/2026 for Idaho and Utah. Variable APY, interest compounded daily and paid monthly.

Requirements

Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.

Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.

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.