Best high-yield savings rates

Requirements

Product: Tiered rate account; specified dividend rate applies only to the portion of the balance within that tier. Available only to new members of the credit union (one account per new member). 4.00% APY is valid for the first year of membership only, after which regular savings rates apply. Minimum balance to earn dividends is $100.

Offer: Promotional rate of 4.00% APY applies to the first $10,000 for the first year of membership only. Minimum opening deposit $500. Minimum balance to earn dividends is $100.

Requirements

Product: Requires linked Kasasa Cash or Kasasa Cash Back checking account. Limit of 2 accounts per Social Security number. No monthly maintenance fees. No minimum deposit to open.

Offer: Qualifying rate for average daily balances up to $25,000 when linked Kasasa Cash/Cash Back qualifications are met (at least 12 debit card purchases, enrolled in eStatements, log into Online Banking during Monthly Qualification Cycle).

Requirements

Product: Must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed APY.

Offer: Minimum balance of $1,000 to earn APY.

Requirements

Product: Exclusively available to those with a linked Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees. Limit of one account per social security number. Excludes commercial purposes. Automatic transfers of Kasasa Cash/Cash Back earnings. Transfers/withdrawals limited to 6 per month.

Offer: When qualifications of linked Kasasa Cash or Kasasa Cash Back checking account are met during Monthly Qualification Cycle (at least 12 debit card purchases, enroll and log in to online banking, enroll and receive digital statements, valid email on record).

Requirements

Product: Requires a linked Ruby Rewards Rate Checking or Ruby Rewards Cash Back Checking account. Limit 1 account per Social Security number.

Offer: Applies to daily balances up to $100,000.00 when qualifications are met in linked Ruby Rewards Checking account (at least 12 debit card transactions, at least 1 direct deposit/ACH payment/ACH credit, and enrolled in e-statements during Monthly Qualification Cycle).

Requirements

Product: Available only on new accounts for members who have not had an open consumer or business money market account within the past 90 days. Must be funded with new money not already on deposit with Beacon. Requires a $5 membership share to qualify for Beacon products.

Offer: Promotional rate guaranteed for six months from account opening date with a deposit of $5,000 or greater in new money. After six months, dividends revert to standard tiered rates.

Requirements

Product: Interest compounded daily on the collected balance. $100 minimum average daily balance to avoid $6 monthly maintenance fee.

Offer: $100 minimum average daily balance to avoid $6 monthly maintenance fee. Interest compounded daily on the collected balance.

Requirements

Product: Must be opened in tandem/linked with EMPOWER Rewards Checking. Limit 1 rewards checking account per SSN per household. To qualify for higher rate tiers, must meet monthly qualification cycle requirements in checking: at least 30 debit card purchases post and settle, at least 1 ACH or direct deposit post and settle, and enrolled in eStatements.

Offer: Applies to entire balance if monthly qualifications are not met.

Requirements

Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.

Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.

Requirements

Product: Available only on new Promotional Money Market accounts opened between August 1, 2026 and September 30, 2026. Funds must be new to Pathways Financial Credit Union and transferred from another financial institution; existing Pathways deposits and existing Money Market accounts do not qualify. Promotional rate applies through January 31, 2027; after January 31, 2027, automatically converts to a standard Pathways Money Market Account.

Offer: Promotional APY earned through January 31, 2027 on qualifying new money with a minimum balance of $2,500.

Requirements

Product: Dividends compound monthly. Minimum balance of $0.01 to earn dividends. Limited to one per member and will only apply for new money to the credit union. Money withdrawn and re-deposited from UFirst will not be eligible. Up to 3 withdrawals a month; no minimum balance required.

Offer: Dividends compound monthly. Limited to one per member and applies only for new money to the credit union.

Requirements

Product: Links to Kasasa Cash or Kasasa Cash Back checking account. Requires meeting checking qualifications each monthly qualification cycle (at least 12 debit card purchases, online banking login, and e-statements) to earn higher APY; otherwise earns 0.05% APY.

Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account.

Requirements

Product: Exclusive online. Must be 18 years or older, U.S. citizen or resident with SSN. Minimum average daily balance of $5,000 to waive $6 monthly service charge. If minimum daily balance falls below $5,000, rate adjusts to Carver Savings. Interest compounded daily, credited monthly.

Offer: Exclusive online. Rate adjusts to Carver Savings if minimum daily balance falls below $5,000. $6 monthly fee waived with average daily balance of $5,000.

Requirements

Product: Links to free Kasasa Cash Back, Kasasa Cash, or Kasasa Play checking for automatic savings. $25 minimum deposit to open. No monthly maintenance fees. Qualifications per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 12 debit card purchases post and settle, and enrolled in e-statements.

Offer: When Kasasa checking qualifications are met.

Requirements

Product: Must maintain a Nuvision checking account with a balance of at least $500. Opening deposit of at least $1,000 must be new money not currently on deposit at the credit union. Limit one account per household.

Offer: Earn up to 4.00% APY with reverse tiers providing higher rates on lower balances. Opening deposit must be new money not currently on deposit. Requires maintaining a Nuvision checking account with at least a $500 balance. Limit one per household.