Best high-yield savings rates

Requirements

Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.

Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.

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.

Requirements

Product: Formerly known as Community Funds Money Market (name changed on May 3, 2023). A $2,500 minimum balance is required to avoid the monthly maintenance fee.

Offer: $2,500 minimum balance required to avoid the monthly maintenance fee.

Requirements

Product: Must be a Finanta Credit Union member. Dividends credited monthly.

Offer: No interest if balance goes below minimum

Requirements

Product: Available when opening a new JBT CD with a term of 6 months or longer and minimum opening deposit of $1,000. Opening balance of CD must be greater than or equal to opening balance of Companion Deposit account. Must be funded with money not currently on deposit at JBT within 10 days of opening CD. Unlimited in-branch withdrawals (withdrawals must be done in person). No early withdrawal penalty and no minimum balance required after opening. Variable rate account.

Offer: Requires opening a new JBT CD of 6 months or longer with initial opening balance >= Companion Savings opening balance. Funded with new money not currently on deposit at JBT within 10 days. Unlimited in-branch withdrawals with no early withdrawal penalty. Variable rate.

Requirements

Product: Deposits federally insured by NCUA up to $250,000 per member. Three free withdrawals or transfers per calendar quarter, then $25 fee each. Rate boosts available when paired with Ultimate Growth Checking tiers. Inactivity fee of $5/month applies after 1 year of inactivity unless combined deposit balance is $500+ or primary owner is under 13.

Offer: Base rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.

Requirements

Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.

Offer: Rate after the 6-month Online Savings New Customer Special introductory period; variable and may change at any time. No minimum balance to earn interest.

Requirements

Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.

Offer: New Customer Special: 3.35% promotional interest rate for the first 6 months. 3.21% is a blended APY over the first 12 months, not a standalone post-promo APY. New customers only; anyone who currently has or had an open PSBT account in the past six months is ineligible. After 6 months the account converts to the standard Online Savings rate. No minimum balance to earn interest. Promo as-of dates conflict: 2026-08-12 on the deposit-rate page vs 2026-07-21 on the product page.

Requirements

Product: Enhanced rates require being the primary owner of a qualifying MaxEarnings Checking account. Variable rates; no minimum balance required to earn interest. Product page: $5 monthly fee if average daily balance falls below $25, refunded with recurring direct deposit. Comparison table instead uses a $100 average-daily-balance threshold and $0/$5 fee. Interest compounding is stated as monthly on the product page and quarterly in one feature blurb.

Offer: Qualifying tier 1: primary owner on a qualifying MaxEarnings Checking account. Rate paid on the entire balance when daily balance is at least $0.01 and less than $25,000. Variable; no minimum balance to earn interest. $5 monthly fee if average daily balance is below the stated threshold; waived/refunded with recurring direct deposit.

Requirements

Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account that includes two out of the three following criteria: a debit card, direct deposit, and/or a $25,000 balance at the time the High Yield MMDA account is opened. Only one High Yield MMDA account per customer.

Offer: Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500.

Requirements

Product: Must have personal checking account and debit card. Maintain at least $5,000 in Relationship Savings and $10,000 total across all deposit accounts as of 12 a.m. on the first of the month. Limited to one account per personal tax ID. No minimum balance fees.

Offer: Qualifications met: Requires personal checking account, debit card, minimum average daily balance of $5,000 in Relationship Savings, and $10,000 total balance across all deposit accounts as of 12 a.m. on the first of that month. Paid monthly.

Requirements

Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.

Offer: Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.

Requirements

Product: Minimum opening deposit for Savings is $25.00. Dividends are paid on the entire balance only if the average daily balance is $100 or more. No dividend is paid on accounts with less than $100 average daily balance. Rates may change after account is opened.

Offer: Dividends paid on entire balance if average daily balance is $100 or more. Minimum opening deposit is $25.00.

Requirements

Product: Links with free Kasasa Cash or Kasasa Cash Back checking account.

Offer: Qualified rate tier for balances up to $50,000 when monthly qualifications in Kasasa Cash or Kasasa Cash Back checking account are met (at least 12 debit card purchases post/settle, at least 1 direct deposit or ACH post/settle, and enrolled in e-statements).

Requirements

Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.

Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.