Best high-yield savings rates

Requirements

Product: Special savings account automatically opened with QuickPay or enrolled via Paycheck Perks. Requires member in good standing. Tiered rates based on cumulative monthly direct deposits. Balances over $100,000 earn Regular Savings APY. Introductory offer applies for 5 consecutive months to new money. Variable-rate account.

Offer: Introductory rate for the first 5 consecutive months from account opening on new money. Requires checking account and cumulative monthly direct deposits of $2,500 or more. No balance cap during introductory period.

Requirements

Product: Must be at least 18 years old. Limit one per member. Available to new and existing AdelFi members beginning 10/16/2026. Minimum opening deposit of $1,000 in new money. Six withdrawals permitted each month without fee ($6 fee per withdrawal exceeding six). No monthly maintenance fee.

Offer: Requires minimum opening deposit of $1,000 in new money and minimum daily balance of $1,000 to earn advertised APY. Portions exceeding $100,000 earn the AdelFi Savings Account dividend rate (0.10%), resulting in a blended APY.

Requirements

Product: Must meet PCCU Cash monthly qualifications (15 debit card purchases that post and settle, 1 ACH credit or debit that posts and settles, and enrolled in eStatements). Limit one account per SSN.

Offer: Qualifications in PCCU Cash must be met during each monthly qualification cycle.

Requirements

Product: Must have a linked Kasasa Cash, Kasasa Cash Back, or Kasasa Eats checking account. Requires meeting checking qualification criteria during each Monthly Qualification Cycle (12 debit card purchases, 1 direct deposit or ACH credit, and enrollment in e-statements). Limit 1 account per tax identification number. Not for commercial purposes.

Offer: Applies to average daily balances up to $100,000 when linked Kasasa checking qualifications are met.

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 4 qualifying loans.

Requirements

Product: Available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders. Requires $10.00 to $25.00 minimum opening deposit. No monthly maintenance fees. Qualifications require at least 12 debit card purchases, enrollment in e-Statements, and online banking log-on per monthly qualification cycle.

Offer: When qualifications met during Monthly Qualification Cycle. Rate on balances up to $50,000.

Requirements

Offer: Tier structure applies; more funds earn more dividends. $2,500 minimum daily balance required. $10 monthly fee waived if balance >= $2,500. Rates subject to change without notice.

Requirements

Product: No fees to open or maintain. Limit of one Premier Savings account per membership. Not open to business membership. Interest is paid quarterly.

Offer: Rate applied on balances up to $20,000.

Requirements

Product: To qualify, member must maintain a Nuvision checking account with a balance of at least $500. One Advantage Choice Money Market Account Per Household. Opening deposit must be new money not currently on deposit. Reverse tier structure provides higher rate tiers with lower balances.

Offer: Earn up to 4.00% APY. Minimum balance of $1,000 required to open and must be new money not currently on deposit at the credit union. Requires maintaining a Nuvision checking account with a balance of at least $500. One account per household. Reverse tier structure provides higher rate tiers with lower balances.

Requirements

Product: Minimum balance of $2,500 to earn dividends and: an active checking account at RCU (minimum 3 transactions per month excluding 24-hour telephone teller, fee or dividend posting transactions), an active credit card at RCU (in good standing with minimum 10 transactions or $500 or more in advances per month), and one of the following: minimum monthly digital deposit of $500 or more, open loan at RCU in good standing, investment account through Redwood Wealth Management with minimum balance of $5,000, or active property and casualty insurance policy through RCU Insurance Services.

Requirements

Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Qualification requires enrollment in online banking with login at least once per Monthly Qualification Cycle and conducting at least 12 posted debit card transactions. Requires monthly enrollment in eStatements. No monthly maintenance fee.

Offer: When qualifications on linked Kasasa Cash or Kasasa Cash Back account are met.

Requirements

Product: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).

Offer: To qualify for and earn dividends, you must maintain a minimum monthly average daily balance of $500, have a minimum $25 per month auto transfer from any of your Rize Credit Union checking account into your High-Yield Savings Account and must be enrolled in digital banking and eStatements. These requirements must be met each month in order to earn dividends and be eligible to obtain the Annual Percentage Yield (APY).

Requirements

Product: Personal and consumer funds only. No business or institutional funds allowed. Available online or in branch.

Offer: Requires $2,500 minimum balance to earn advertised APY. Rate available both online and in branch.

Requirements

Product: Qualifying rates require at least 20 debit card purchase transactions to post to a linked MyLife Checking account during the statement cycle and enrollment in e-statements. Only one MyLife Savings account per Social Security number. Balances up to $100,000 earn the qualifying rate; balances above $100,000 earn 0.02% resulting in a blended APY range of 0.02% to 4.00%. If qualifications are not met, the non-qualifying rate of 0.02% APY applies to the entire balance. Optional debit card purchase roundup transfers change to this account daily.

Offer: Non-qualifying rate when monthly qualifications are not met.