Best high-yield savings rates

Requirements

Product: Account must be funded within 90 days of opening to remain open. Enhanced FDIC coverage available up to $500,000 for individual accounts ($1M for joint).

Offer: Standard base rate. Variable and subject to change at any time.

Requirements

Product: Not available to open online; must be opened in person and funded with new money (funds not already on deposit at Altra). One account per member; personal accounts only (not available to Guardianship, Rep Payee, or UTMA accounts). No minimum deposit or minimum balance required. Additional deposits in-person only, up to $250,000 maximum. Earns posted APY on balances up to $250,000; amounts over $250,000 deposited to regular savings. Dividends paid monthly. Limited time offer.

Requirements

Product: Avoid $5 monthly service fee by maintaining a $1,500 minimum daily balance. $2.00 per item fee for each debit transaction in excess of six per statement cycle. Unlimited in-person or mail withdrawals. Bill pay is $5.95/month if opted in and not used monthly. Rates are variable and may change after account opening. Must maintain a daily balance of $1,500.00 to obtain disclosed APY. Interest compounded and credited quarterly.

Offer: Must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed APY. Variable rate. Avoid $5 monthly service fee by maintaining a $1,500 minimum daily balance. Compounded and credited quarterly.

Requirements

Product: Tiered rate structure. Monthly maintenance fee of $6 applies if aggregate combined balance falls below $200, unless waived by maintaining aggregate daily balance or holding a qualifying credit union loan.

Offer: Tier 1 rate applicable to balances up to $10,000. Monthly maintenance fee of $6 waived with $200 aggregate daily balance across combined accounts or a credit union loan.

Requirements

Product: Available for new checking customers only (no existing or prior personal checking accounts with StonehamBank within previous 12 months). Requires opening companion Optimum Bundle Checking and maintaining monthly requirements: $500+ direct deposit, 5+ debit card POS transactions, and e-statement enrollment.

Offer: Must maintain monthly requirements in companion Optimum Bundle Checking: receive monthly direct deposit of $500+, initiate 5+ POS debit card transactions, and enroll in e-statements. $10 minimum balance required to open and earn stated APY.

Requirements

Product: No fee with balances over $1,000.

Offer: Earn up to 3.75% APY. No fee with balances over $1,000.

Requirements

Product: Requires applicant to be a Tennessee resident and not have a Republic Bank personal Money Market account at opening. Must open or maintain a primary Republic personal checking account and conduct 5 or more qualifying transactions (Direct deposit ACH credit, Bill Pay, POS Debit, ACH Debit) within any one of the first 3 statement cycles following opening; otherwise rate reverts to standard chart. Must be opened with at least $5,000 in funds not currently held on deposit at Republic Bank. A $10 fee applies if balance falls below $5,000 during statement cycle. Interest rate paid on entire balance.

Requirements

Product: Must pair with an active High-Yield VIP Checking Account and meet qualifications for VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 earn top-tier main share savings rate. If criteria are not met, rate earned is bottom tier main share savings rate.

Offer: Requires active VIP Checking account and meeting Gold or Platinum tier qualifications. Balances above $25,000 earn top-tier main share savings rate. If criteria not met, earns bottom tier main share savings rate.

Requirements

Product: Personal accounts only (not available for businesses). Daily balance method used to calculate interest. Interest compounded and credited monthly on the last business day of the month.

Offer: When you maintain an open Advantage Checking account.

Requirements

Product: Must pair with Cash Back Spend or High-Yield Checking under same membership; limit 1 account per member (unique SSN) and per membership number; not available on business memberships; no monthly maintenance fees.

Offer: High-Yield Tier 1 Rate earned on daily ending balances up to $100,000 when Monthly Goal is met (15 or more qualifying debit card transactions that post and settle by 6:00PM PT on the last day of the calendar month).

Requirements

Product: No minimum balance requirements; no hidden fees; limited to 6 preauthorized transfers or withdrawals per monthly statement cycle.

Offer: No minimum balance to earn APY. APY may change after account opening.

Requirements

Product: Requires checking account. Monthly service fee $0, minimum balance $0.

Requirements

Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.

Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.

Requirements

Product: $15 monthly service charge waived by maintaining a minimum daily balance of $2,500 or more each statement cycle. Must open with at least $100 in new money (funds currently on deposit with NBH Bank or any of its divisions are not eligible; transfers from existing accounts do not qualify). Limit one Signature Money Market Account per client. Personal accounts only.

Offer: Requires opening with at least $100 in new money. $15 monthly service charge waived with $2,500 minimum daily balance.

Requirements

Product: Requires new money not currently on deposit at Univest or its affiliates. Guaranteed promotional rate through December 31, 2026; converts to standard rates and terms starting January 1, 2027. Can be opened online or in-person at select locations, and in-person only at all other PA/NJ financial centers. Not available on business accounts. Withdrawal limitations apply.

Offer: For balances less than $5,000; guaranteed promotional rate until December 31, 2026 on new money not currently on deposit at Univest or its affiliates. Starting January 1, 2027, converts to standard rates and terms.