Best high-yield savings rates

Requirements

Product: Must be linked to an NCSB Premium Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.

Offer: Qualified rate: requires meeting monthly qualifications on linked Premium Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET).

Requirements

Product: The minimum balance required to open this account is $2,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed APY and to keep your account open. The maximum balance is $20,000.00. Any balance above this maximum amount will not earn a dividend. Dividends paid monthly.

Offer: Must maintain minimum balance of $2,000.00 daily to earn APY and keep account open. Balances above $20,000.00 do not earn dividends. Dividends paid monthly.

Requirements

Product: Available exclusively through digital banking platform. "New Money" only. Rates are variable and subject to change without notice.

Offer: Offered as of 4/20/2026. APY applies to balances from $1,000 to $250,000. Daily minimum balance of $1,000 is required to earn interest. No monthly service charges and no minimum balance requirements to waive fees. "New Money" only.

Requirements

Product: Offers apply to personal non-IRA accounts only. Rate may change after the account is opened.

Offer: Offers apply to personal non-IRA accounts only. Rate may change after the account is opened.

Requirements

Product: To earn applicable tiered APY: must have qualifying direct deposit totaling at least $2,500/month via ACH and meet at least one of: PremiumSpend checking account, USC Credit Union consumer loan of $20,000+, mortgage loan of $50,000+, at least $50,000 in combined share balances, or active account with Trojan Wealth Management. Otherwise earns non-qualifying rate of 0.15% APY. Membership eligibility required.

Offer: Rates as high as 3.55% APY when qualifying relationship and direct deposit criteria met. Non-qualifying rate is 0.15% APY.

Requirements

Product: Open at branch locations. Can be linked with Choice Checking in the Apple Choice Banking Program for preferred rates. No monthly maintenance fee regardless of account balance. Must maintain a minimum daily balance of $2,500.00 each day to earn stated APY.

Offer: Preferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate.

Requirements

Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.

Offer: Four-Star Award: Meet requirements for preceding level (maintain Power Checking Account, use VISA Debit Card for at least 4 purchases/month, sign up for eDocs) and make at least 3 bill payments per month using ePay Bill Pay. Also gets ePay for free.

Requirements

Product: The minimum balance required to open this account is $2,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed APY and to keep your account open. The maximum balance is $20,000.00. Any balance above this maximum amount will not earn a dividend. Dividends paid monthly.

Offer: $2,000 minimum / $20,000 maximum.

Requirements

Product: Requires $10,000 minimum average daily balance, ongoing direct deposit ($250+/month), eStatements, active checking account, and active Visa credit card (min. 3 transactions/month). $5 minimum deposit to open. No monthly fee. Available to members living/working in St. Louis County, St. Louis City, Jefferson County, Franklin County, or St. Charles County, MO.

Offer: Applies to all balances if qualifications aren't met (earns regular savings account rate).

Requirements

Product: $5.00 monthly service charge waived if average daily balance per statement cycle of $100.00 is maintained. $100.00 – $10,000 average daily balance to earn interest.

Requirements

Offer: Compounded quarterly. APY assumes no principal or interest withdrawn prior to maturity. Fees could reduce earnings.

Requirements

Product: Minimum balance is $1,500 but can be built up in installments. No withdrawal restrictions. For active employees, savings can be transferred directly from payroll. Fully insured up to $250,000 by the NCUA.

Offer: For amounts below $1,500.00, rate is equal to Share Account rate (1.00% APY / 1.00% APR). Interest compounded monthly.

Requirements

Product: Available to individuals who currently have a Kasasa Cash or Kasasa Cash Back checking account; requires Kasasa checking account to remain open. Requires $50 minimum deposit to open. Limit of 6 pre-authorized/automatic/third-party transactions per month.

Offer: Applies to balances up to $250,000 when linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 10 debit card purchases post and settle, enrolled in e-statements, log into online banking). Minimum balance to obtain APY is $0.01.