Best high-yield savings rates

Requirements

Product: If unable to maintain a daily balance of $1,000.00, a $10.00 monthly maintenance fee will be imposed.

Offer: Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained.

Requirements

Product: No withdrawal penalties. Special promotional rate offers valid for funds not currently on deposit with First Harvest Credit Union, or qualifying by depositing an additional $5,000 or more in new money.

Offer: Tier 1 balance tier.

Requirements

Product: No withdrawal penalties. Special promotional rate offers valid for funds not currently on deposit with First Harvest Credit Union, or qualifying by depositing an additional $5,000 or more in new money.

Offer: Promotional rate paid on minimum balance of $1,000 with maximum balance of $499,999. Valid for funds not currently on deposit with First Harvest Credit Union, or by depositing an additional $5,000 or more in new money.

Requirements

Product: Available nationwide. Open your account with a deposit of $2,500 or more. Variable rate account. Rate matching available for advertised annual percentage yield (APY) and product of FDIC-insured competitor with retail locations in NY, NJ, and/or Palm Beach County, FL up to 90 days, up to a maximum of 4.50% APY.

Offer: Tier I. Variable rate account.

Requirements

Product: Must be bundled with YourStart Checking. $3 monthly fee applies if balance falls below $50. 4 free withdrawals per month ($2 per excess withdrawal). One YourStart Bundle allowed per primary account holder.

Offer: Premium APY applies to the first $15,000 in savings when paired with YourStart Checking. $3 monthly fee waived with minimum balance of $50.

Requirements

Product: Exclusive to education community employees in the United States. Requires minimum direct deposit of $500 per month to any Apple FCU Checking or Savings account to qualify for premium rate. Balances over $10,000 and accounts without qualifying direct deposit earn the Regular Savings rate.

Offer: Compounded monthly. Premium rate earned on balances up to $10,000 with qualifying minimum monthly direct deposit of $500 to any Apple FCU Checking or Savings account. No minimum balance or monthly fees.

Requirements

Product: Qualifications include a $5,000 minimum balance, monthly online/mobile banking login, enrollment in eStatements, and a monthly electronic deposit. If qualifications are not met, the account earns the regular share dividend rate.

Offer: Tiered rate on schedule page p5; requires meeting monthly activity and eStatement qualifications.

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: Requires 3 qualifying loans.

Requirements

Product: $100 minimum opening balance. The interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce earnings.

Requirements

Product: Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings. To earn the highest Kasasa Saver rate, qualifications on linked Kasasa Cash or Kasasa Cash Back account must be met during each Monthly Qualification Cycle (at least one direct deposit, ACH payment, ACH credit, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive e-Statements; enrolled in and log into online or mobile banking). If qualifications are not met, all balances earn 0.05% APY.

Offer: Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualification requirements.

Requirements

Product: Requires a MyRewards Checking account. If MyRewards Checking is closed, account converts to standard Money Market offering. Higher APY requires meeting MyRewards Checking requirements including avoiding the $10 service fee. Avoid $5 monthly participation fee by meeting at least one participation option.

Offer: Applies to balances $0 to $250,000 when MyRewards Checking fee is avoided by meeting monthly qualifying deposit, transaction, and e-statement requirements.

Requirements

Product: Applies to new personal or business savings accounts opened with new-to-the-bank funds. A checking account must be opened with the savings account. Promotional rate expires on 12/31/2026 with the account converting to current rate and tier structure. A minimum balance of $1.00 must be maintained in the account each day to earn interest.

Offer: Earn this on the entire balance. Requires new-to-the-bank funds and opening a checking account. Promotional rate expires on 12/31/2026.

Requirements

Product: Account earns the LevelUp Rate for the first two statement cycles after opening; requires cumulative deposits of at least $250 per statement cycle (Evaluation Period) starting in the third statement cycle to maintain the LevelUp Rate, otherwise earns the Standard Rate. Subject to closure if inactive with a zero balance for 3 months.

Offer: Standard rate earned when cumulative deposits during the previous statement cycle are less than $250.

Requirements

Product: Only one Smart Saver account per membership. Monthly deposits must total between $50.00 and $1,000.00; any deposits exceeding $1,000 per month will be transferred to Membership Share Savings. Maximum 6 transfers and withdrawals per month.

Offer: Smart Rate: Requires deposits totaling at least $50/month (max $1,000/month), ACH direct deposit or mobile check deposit of $500+ into non-IRA checking, e-statements enrollment, and no member withdrawals during the month.

Requirements

Product: Must have a linked High-Yield Checking or Cash Back Checking account. No minimum balance required to earn rewards ($0.01 minimum balance to earn rewards). No monthly service fees. No minimum opening deposit. Qualification requirements per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 15 debit card purchases, and enrollment in eStatements. Dividends credited on the last day of the statement cycle. Membership required.

Offer: When qualifications are met during the Monthly Qualification Cycle. Daily balances up to and including $100,000 earn dividend rate of 2.96% (3.00% APY).