Best high-yield savings rates

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: Name your account for your savings goal and track progress more easily. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly.

Requirements

Product: Consumer memberships only; limit one Loyalty Savings account per membership. Variable rate account. Requires receiving e-statements and $1,000 or more in eligible deposits to any Rivermark Checking account within the same membership during each monthly cycle to earn higher rates; otherwise earns 0.05% APY on the entire balance. Advertised APY range assumes a maximum balance of $35,000. $5 minimum deposit required to open.

Offer: Non-qualifying rate: if monthly requirements are not met, entire Loyalty Savings balance earns 0.05% APY (rate 0.05%).

Requirements

Product: Member Share Account. Variable rate account, rate may change after account opening without notice. Interest compounded and credited monthly. Every member must have a basic Savings account with at least a $5 balance to maintain a share in the credit union. No monthly fee.

Requirements

Product: Primary membership share account. Requires $5 membership fee and $5 share deposit when opening first account ($55 initial deposit). Minimum balance is $5 once any other credit union service is opened. Minimum monthly balance of $50 to avoid fee. Dividends compounded and credited quarterly.

Offer: Minimum opening balance of $5 (or $55 if opening first membership account). Minimum monthly balance of $50 to avoid monthly fee. Dividends compounded and credited quarterly.

Requirements

Product: Limit of one Loyalty Savings account per member. Not available for business accounts. Members aged 18 to 64 must maintain a Loyalty Checking account with a minimum balance of $100 throughout the quarter to qualify; otherwise balances earn regular savings APY (0.05%). Minors (under 18) and seniors (65+) earn the high APY with no checking requirement (minors can open with $5 membership pledge and $1 deposit). Dividends calculated by average daily balance method and compounded and credited quarterly.

Offer: Applies to balances $0.00 to $750.00. Members aged 18-64 must maintain a Loyalty Checking account with at least a $100 balance. Minors and seniors have no qualification requirements. Dividends compounded and credited quarterly.

Requirements

Product: Requires $100.00 minimum daily balance to earn dividends. Dividends compounded monthly and credited monthly.

Offer: Requires $100.00 minimum daily balance to earn dividends.

Requirements

Product: No minimum balance required to earn dividends. Dividends compounded monthly and credited monthly.

Requirements

Product: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.

Offer: No qualifying loans. Rate applies during opening month and when no qualifying loans are held.

Requirements

Product: Must be linked to a Peak High Yield Checking or Peak Cash Back checking account. Requires enrolling in eStatements and making 12 debit card transactions each month on the linked checking account. When qualifications are met, balances up to $100,000 earn 4.00% APY and balances over $100,000 earn 1.00% APY on the portion over $100,000. When qualifications are not met, all balances earn 0.05% APY. Rewards and refunded ATM fees from checking are automatically deposited into Peak Saver. Dividends credited by the first business day of the following Statement Cycle.

Offer: When Peak High Yield or Peak Cash Back qualifications are not met.

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: Must meet credit union membership eligibility requirements (living, working, worshipping, or attending school in Washington state, or specific counties in Oregon or Idaho).

Offer: Dividends compounded and credited quarterly. Rate may change monthly.

Requirements

Product: Rate may change after account is opened. Fees can reduce earnings. Monthly service charge of $3 waived when the minimum ledger balance of $300 is maintained. $3 monthly service charge refund if set up with combined statements for savings and checking account (applied even if minimum ledger balance waiver is not met). For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 items per statement cycle can be deposited with no charge, thereafter $0.20 per item.

Offer: Monthly service charge of $3 waived with a $300 minimum ledger balance; $3 refund applied if combined with checking account statement even if minimum ledger balance waiver is not met. For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 deposited items per cycle free, then $0.20 per item.

Requirements

Product: Dividends compounded and credited monthly. Rates may change monthly as determined by the Board of Directors. Automatically earn the higher Money Market rate on balances over $5,000.

Offer: Dividends compounded and credited monthly. 6 free teller withdrawals per month from savings, $1 thereafter.