Best high-yield savings rates

Requirements

Product: Available to Alpha Kappa Alpha members, families, AKA Corporate Office staff, FMO employees, and affiliate organizations. Minimum opening deposit is $50, with $25 allocated to one required credit union share. Dividends are paid quarterly and compounded daily on average daily balance calculation. An average daily balance of at least $50 is required to earn dividends.

Offer: Essential status; dividends paid quarterly, compounding daily based on average daily balance calculation.

Requirements

Product: Linked Kasasa Cash or Kasasa Cash Back account required. Limit 1 account per social security number. Direct deposit or ACH, online banking login, 12 debit card purchases, and e-statements required for qualifying rewards tier.

Offer: Base rate when qualifications are not met during a Monthly Qualification Cycle.

Requirements

Product: $25 initial deposit must remain in the account to establish/maintain membership. No monthly service charge.

Requirements

Product: Earns the same dividend as regular savings account. Used for vacation, home improvements, weddings, property taxes, insurance, or other special expenses.

Requirements

Product: With a $5 opening deposit, you become a member and gain access to all products and services. Below minimum balance fee of $10 applies if combined savings or loan balances are below $100 (new members have 90 days to attain the threshold).

Offer: Dividends are compounded and paid monthly.

Requirements

Product: Must be linked to a Reward Checking account (Real Rewards or Premium Checking). Limit of one Premium Saver account per social security number.

Offer: Earned on entire balance when linked Reward Checking account qualifications are not met during a Monthly Qualification Cycle.

Requirements

Product: Interest paid quarterly. $2 monthly service charge if average daily balance falls below $100 during the month (waived for persons age 19 and under). $2 monthly excess withdrawal charge for each withdrawal in excess of four per month.

Offer: Compounded semi-annually. Minimum balance to obtain APY is $10. Monthly fee of $2 applies if average daily balance falls below $100 during the month (waived for persons age 19 and under).

Requirements

Product: Requires a Kasasa Cash or Kasasa Cash Back checking account. Kasasa rewards are automatically transferred into Kasasa Saver. If qualifications are not met in a month, account is still free; if disqualified for 3 consecutive months, checking account is converted to a regular, free MFCCU Checking Account.

Offer: Base rate on all balances, even if qualifications are not met.

Requirements

Product: Linked to Forward Checking account. Limit one Forward Checking and Forward Savings account per Social Security Number. Interest earned and ATM fees reimbursed from Forward Checking transfer to Forward Savings. No monthly service fee.

Offer: Applies to all balances if monthly qualifications are not met in the Forward Checking account.

Requirements

Product: Base of credit union membership. Dividends declared quarterly.

Offer: Rate declared for Dec 31, 2025; dividends are declared quarterly.

Requirements

Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.

Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.

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: Dividends are paid quarterly using the daily balance method. Rates are variable and change quarterly. Minimum balance to open an account is $5, and earns a dividend once the balance reaches $250. Account has no fees.

Offer: Minimum $250 to earn dividends.

Requirements

Product: Opening a share account establishes membership/ownership in the credit union. Minimum $25 deposit/balance required as a condition of membership. Rates adjusted and paid quarterly on the average daily balance.

Offer: Minimum $25 balance required for share savings accounts. Dividends compounded and credited quarterly on average daily balance.