Best high-yield savings rates

Requirements

Product: Special savings account locking funds for 8 months. No minimum opening balance. Substantial penalty for early withdrawal. After 8 months, enters a 10-day grace period to make changes or it re-locks for another 8 months.

Offer: 8 Month term

Requirements

Product: $1,000.00 minimum daily balance required to earn the annual percentage yield. Accounts that remain at a zero balance for 90 consecutive days will be automatically closed out (no fee). Rates are variable.

Offer: Promotional rate applied for the first seven months after account opening. New money only (funds not currently held on deposit at Credit Union ONE; transfers from existing Credit Union ONE accounts do not qualify). After seven months, the rate adjusts to the current applicable variable APY. Minimum opening deposit of $1,000.00 required.

Requirements

Product: Variable-rate account; rates may change. Members are limited to one Traditional or High-Yield Money Market product per member at any given time. Not eligible for paper checks, overdraft advantage, or debit card issuance. Daily balance method, compounded and credited monthly.

Offer: $15 monthly fee may be waived by maintaining an average daily balance of $5,000 or greater. Compounded monthly, credited monthly.

Requirements

Product: A minimum deposit of $20 is required to open account. $10.00 monthly service cycle charge waived if average month-to-date balance is $5,000 or average month-to-date balance is $25,000 or greater in qualifying deposits. Paper statement fee of $4.85 applies unless enrolled in eStatements or meeting balance requirements. A fee of $10.00 per debit/withdrawal transaction in excess of six per month.

Offer: Monthly fee of $10.00 waived with $5,000 average month-to-date balance or $25,000 in qualifying deposits. Paper statement fee of $4.85 waived with eStatements or balance criteria. Excess withdrawal fee $10.00 over 6/month.

Requirements

Product: Offer available online or in person. Minimum $10,000 in new money to open (funds not currently on deposit with Country Bank). Not open to Municipalities or Businesses.

Offer: Minimum $10,000 in new money required to open. Must maintain a minimum daily balance of $10.00 to obtain APY. Rate may change at any time once opened.

Requirements

Product: Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.

Offer: Requires Eligible Direct Deposit (monthly direct deposits) or Qualifying Deposits ($5,000 or more every 31 days). No minimum balance requirement. Fees may reduce earnings.

Requirements

Product: Available for individuals residing in eligible states. Free standard money market checks.

Offer: No minimum balance and no monthly service charge. Available for individuals residing in eligible states.

Requirements

Product: No monthly maintenance fee. Only one HYSA account allowed per member. Dividends accrue daily and are paid monthly. Variable rate.

Offer: Rate accurate as of February 2, 2026. No minimum deposit requirement or withdrawal limits.

Requirements

Product: Applies to 'New Money' only (funds not currently on deposit with NY Bravest FCU, deposited/transferred within 7 days of initial deposit). Maximum deposit allowed is $50,000. Online, recurring, and automatic transfers not available; transfers must be handled directly through credit union staff. Funds not used for overdraft/NSF protection. Dividends calculated using average daily balance method.

Offer: Applies to balances under $5,000.

Requirements

Product: Rates are tiered based on the Member's Relationship Rewards tier (determined by qualifying combined household balance). Requires minimum deposit of $10,000 to open and $10,000 balance to earn dividends.

Offer: Private Banking tier. Private Banking eligibility requires $500,000 combined deposits and outstanding loan balances (excluding PRWM) with a minimum of $100,000 in deposits, or $250,000 in deposits (excluding PRWM), or select invitation groups. Minimum to open & earn dividends: $10,000.

Requirements

Product: Free high-yield savings account bundled with Liberty Plus Checking. Monthly qualification criteria: have and use a debit card with 10 or more purchases of $5.00 or more post and clear each cycle, and have at least 1 automatic payment or direct deposit post and clear each cycle. If qualifications are not met, earns base non-qualified rate.

Offer: Qualified tier rate on balances up to $99,999.99 when monthly qualification criteria are met.

Requirements

Product: Limited-time consumer money market; credit union membership required. Opening and dividend-earning deposit is $2,500 new money with no maximum. New money means funds from another institution and not on deposit at Sun East within the prior 6 months. $10 monthly service/maintenance fee if the daily or average daily balance falls below $2,500 in a statement cycle.

Offer: New money only; limited-time offer. Dividend rate 3.15% and APY 3.30% for $2,500 to no max. Fee waived if minimum daily/average daily balance of $2,500 is maintained; otherwise $10 monthly fee. Failure to maintain minimum deposit could reduce earnings. Membership required.

Requirements

Product: Personal accounts only; must receive an eStatement and be an active Arise Financial checking account user (45 days prior to the dividend period you must: have recurring direct deposit of $100 or more into checking, make 3+ debit card purchases, or pay 3+ bills online).

Offer: Must receive an eStatement and be an active checking account user (45 days prior to the dividend period: recurring direct deposit of $100+, 3+ debit card purchases, or 3+ bills paid online).

Requirements

Product: Available for new accounts with funds not currently held on deposit in a BrightBridge Credit Union account. No monthly maintenance fee.

Offer: Available for funds not currently on deposit with BrightBridge Credit Union.

Requirements

Product: Special offer available for funds not currently on deposit at Salem Five. Maximum deposit amount is $1,000,000 per account and one account per customer. Only residents of the following communities qualify: Amesbury, Ipswich, Newbury, Newburyport, Salisbury, Georgetown, and Rowley. Variable rates.