Best high-yield savings rates

Requirements

Product: Must make monthly installment payments to maintain interest and withdrawal amounts. Minimum contract amount is $1,000 and maximum contract amount is $100,000 per customer (in multiples of $1,000). Minimum opening balance and minimum balance to obtain disclosed APY is the first month installment. Penalty of 3 months' interest on amount withdrawn for early withdrawal.

Offer: Interest compounded daily, credited every 3 months. No monthly service fee.

Requirements

Product: Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.

Offer: Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.

Requirements

Product: Exclusive savings account paired with linked Kasasa Cash Checking account. No monthly maintenance fee. $100.00 minimum deposit to open.

Offer: Base rate earned on all balances if Kasasa Cash monthly qualifications are not met.

Requirements

Product: Limit of 1 account per Membership. Requires a CleaRewards Checking or CleaRewards Cash Back account. No recurring monthly maintenance charges or fees to open or close.

Offer: When linked CleaRewards Cash Back or CleaRewards Checking qualifications are met during a Monthly Qualification Cycle (at least 15 debit card purchases, enroll in eStatements, online banking login or ACH credit/payment).

Requirements

Product: Membership Required. Minimum $1,000 opening deposit required.

Offer: Minimum $1,000 daily balance required to avoid $10 monthly service fee. Up to six (6) free withdrawals or transfers permitted each monthly statement cycle. Each additional withdrawal or transfer $10. Dividends compounded and credited monthly. Daily balance computation method.

Requirements

Product: A High Yield Money Market Deposit Account (MMDA) is 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: Requires a linked Rewards Checking or Cash Back Checking account. No monthly maintenance fee. No minimum deposit to open. No minimum balance to earn rewards. Monthly qualification requirements: at least 1 direct deposit/ACH credit, ACH payment, or bill pay transaction; at least 15 debit card purchases each $5.00 or more; enrolled in and agreed to receive eStatements.

Offer: Qualifying rate earned when linked Rewards Checking or Cash Back Checking qualifications are met during the Monthly Qualification Cycle. Daily balances up to and including $50,000.00 earn 3.00% APY.

Requirements

Product: Combined with Duo Checking. $5 monthly fee waived when making at least 20 debit card purchases each calendar month and logging in to online or mobile banking at least once every 90 days. Includes Debit Roundup feature. No minimum balance to open or earn APY.

Offer: On the first $10,000

Requirements

Product: Service charge waived with a $500 minimum daily balance. Pair with b1BANK personal checking account. Withdrawals: 4 fee-free per statement cycle ($5 each after that). Free eStatements ($3 for paper).

Offer: Premium rate with activity in a related checking account. Requires a qualified related b1BANK checking account with at least one customer-initiated debit or credit transaction posted within the last 3 business days of the prior interest cycle through 3 business days before the end of the current interest cycle. Variable rate. $5 monthly service charge waived with $500 minimum daily balance.

Requirements

Product: Opening deposits must be New to First Bank funds; transfers or withdrawals from an existing First Bank account redeposited into the new account do not qualify. First Bank reserves the right to limit the number of accounts opened. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account or third party. No monthly maintenance fees.

Offer: New-to-bank funds required for opening deposit. Max 6 withdrawals/transfers per statement cycle.

Requirements

Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.

Offer: With Direct Deposit from payroll or pension. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.

Requirements

Product: Tiered rate account where the interest rate for a particular tier applies to the entire account balance if within the balance range. Interest compounded and credited monthly.

Offer: Tier rate applies to entire balance. Interest compounded and credited monthly.

Requirements

Product: Requires $2,500 minimum opening deposit. $20.00 monthly fee if daily minimum balance of $2,500.00 is not maintained. Dividends calculated using daily balance method. Subject to excessive withdrawal fee of $7.50 per withdrawal after 6 per month.

Offer: $2,500.00 minimum balance to avoid fee and to earn dividend. $20.00 monthly fee if daily minimum balance is not maintained.

Requirements

Product: Tiered rate account based on average daily balance determined at end of month. Once minimum balance for a tier is met, the APY applies to the full balance. No monthly service fees. Must process a deposit within the first 6 months of account opening. A minimum of $5 must be maintained in Primary Savings.

Offer: Base Tier: Applies to average daily balances of $9,999.99 or less. No monthly service fees. Balance of $0.01 required to earn APY. Rate applies to full balance.

Requirements

Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Qualification requirements during each Monthly Qualification Cycle: at least 12 debit card purchases, enroll in and log into online banking, and enroll in and agree to receive e-statements.

Offer: Qualifying rate when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account.