Best high-yield savings rates

Requirements

Product: Personal accounts only. Pair with Premium Checking for tier rates; accounts without Premium Checking earn 0.05% APY regardless of balance. No monthly maintenance fees. $250 minimum opening deposit.

Offer: Requires linked Premium Checking Account.

Requirements

Product: Can be opened in conjunction with a Certificate of Deposit (CD) or a TSB 365 Checking account. Deposits and withdrawals can be made at any time. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings.

Offer: Available only in conjunction with a TSB 365 Checking account or any CD.

Requirements

Product: Requires a $2,500.00 minimum opening deposit. Account remains active/open with as little as $5.00 on deposit. Dividends are declared on the first of each month, calculated based on average daily balance, and paid monthly. Up to 3 free withdrawals or transfers monthly; exceeding 3 per month incurs a $10.00 fee per transaction.

Offer: Tier First ($0.00 - $2,499.00).

Requirements

Product: Requires maintaining a checking account with First Commerce Bank. A $15.00 monthly maintenance fee is imposed if unable to maintain a daily balance of $25,000.00.

Offer: Requires maintaining a checking account. A $15.00 monthly maintenance fee applies if a daily balance of $25,000.00 is not maintained.

Requirements

Product: Dividends calculated and paid monthly based on Average Daily Balance (ADB). Earned on entire ADB if greater than $5,000; if below $5,000, a $10 monthly fee is assessed and no dividends are earned. Does not permit debit card access, check writing, or BillPay payments. May not be used for overdraft protection or loan collateral. 6 free withdrawals/transfers per month ($25 per month thereafter).

Offer: Earns 3.00% APY on ADB between $5,000 and $249,999.99. Minimum $5,000 opening balance. $10 monthly fee if ADB falls below $5,000.

Requirements

Product: Must have a Kasasa Cash or Kasasa Cash Back account to open. Earned checking rewards are automatically transferred into the Kasasa Saver. Base rate applies if qualifications are not met. Qualifications per cycle: at least 12 debit card purchases, at least 1 direct deposit/ACH credit/ACH payment transaction, and enrolled in e-statements. Qualifying period is last day of a month through second-to-last day of the following month.

Offer: If monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. Compounded and paid monthly based on daily average balance.

Requirements

Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.

Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.

Requirements

Product: Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum $2,500 deposit required to open and earn advertised APY. Pair with Round-Up Checking to earn an additional 1.00% APY boost on balances of $2,500 to $100,000. No monthly maintenance fees.

Offer: Available on new money only; funds transferred from an existing NSFCU account do not qualify. Minimum deposit of $2,500 required to open and earn APY. Base rate without checking boost.

Requirements

Product: Requires linking to a Kasasa Cash or Kasasa Cash Back rewards checking account and $5 minimum deposit to open. To earn qualifying rates, the linked checking account must meet monthly qualifications (at least 12 debit card purchases, enrolled in and review eStatements, enrolled in and log into Online Banking); otherwise, base rate applies.

Offer: Base rate when monthly qualifications are not met in Kasasa Cash or Kasasa Cash Back checking account.

Requirements

Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. Limit 1 account per social security number. Must receive monthly electronic statements. Enrollment in electronic services may be required. No monthly maintenance fees.

Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction, and at least 12 debit card purchases).

Requirements

Product: An active Mutual Checking or Mutual Interest Checking account is required. Only one Mutual High Yield Savings allowed per primary customer. Converted to an Essential Money Market if the corresponding checking account is closed. $2.00 monthly service charge waived if $100.00 minimum balance is kept.

Requirements

Product: Available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. Limit of one Peak Plus High-Yield Savings account per membership. There are no recurring monthly maintenance charges or fees to open or close this account. No minimum balance is required to earn or receive rewards.

Offer: Qualifying rate. Applies to portion of balance $200,000.00 and below when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle (15 debit card purchases post/settle, 1 ACH credit or direct deposit settle, and enrolled in e-statements). Rate is variable.

Requirements

Product: Interest rate and APY may change after account opening. Interest paid quarterly calculated using daily balance method.

Offer: Minimum balance to obtain APY is $0.01.

Requirements

Product: New money only. Maximum deposit of $150,000.00.

Offer: New money only. Deposit a minimum of $7,777.00 up to maximum deposit of $150,000.00.

Requirements

Product: Must link to Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. Must be 18+ to apply online or 16+ to apply in branch with parent/guardian.

Offer: Requires meeting qualifications in attached Kasasa Cash or Kasasa Cash Back checking account during monthly qualification cycle (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, and enrolled in/log into online banking).