Find which banks have the best Savings account and Money Market Account rates here.
Savings accounts and money markets interest rates change constantly, almost daily! We will do our best to update them as often as we can. All banks listed are federally insured by the FDIC, so rest assured your money will be earning the highest possible interest rates in the safest environment.
Look no further to find the MOST updated bank rates list available on the web!
Best Bank & Savings Account Rates
CIT Bank Platinum Savings Up to 4.10% APY
- Needs to use promo code to qualify: CITBoost
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
With 6 month boost, you earn:
| Tier | Boost APY | Multiplier |
| Balance over $5,000 | 4.10%* | 10x2 |
| Balance less than $5,000 | 0.60%* | N/A |
After boost is completed, you will continue to earn our best standard rates:
| Tier | Boost APY | Multiplier |
| Balance over $5,000 | 3.75%*1 | 9x2 |
| Balance less than $5,000 | 0.25%*1 | N/A |
- Earn up to 4.10% APY on n balances of $5,000 or more.
- Competitive rates
- Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
- Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
- No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.
(FDIC Insured)
- 1Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- 2Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
- *This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.
- For complete list of account details and fees, see our Personal Account disclosures.
Valley Direct Online Savings 4.10% APY
Earn 3.50% APY (4.10% APY for new customers).- Just $1 minimum deposit to open
- No maintenance fees
- Interest is compounded daily and credited monthly
- U.S. based customer service team
- FDIC insured
(FDIC Insured)
Advantage Direct Savings by FVCbank 4.01% APY
Earn 4.01% APY- Minimum deposit of $500.00 to open and earn stated APY.
- Reliable access to your money
- Fast and simple transfers
- Advantage Direct Savings, is a financial service of FVCbank.
(FDIC Insured)
E*TRADE Premium Savings 4.00% APY + $400 Bonus
Always.Bank Savings 4.00% APY
Earn 4.00% APY - No minimum balance to open or maintain.
- No Fees.
- No transaction limits.
- No monthly maintenance fees.
- Competitive APY and interest rates.
(FDIC Insured)
Valley Bank High Yield Savings 3.96% APY + $1200 Bonus
24/7 online access to funds.- No fees from Raisin. $1 minimum deposit.
- Earn 3.96% APY
(FDIC Insured)
Centier Bank High-Yield Savings 3.90% APY + $1200 Bonus
No fees from Raisin. $1 minimum deposit.- Family-owned banking rooted in community values.
- Earn 3.90% APY
(FDIC Insured)
Western Alliance Bank High-Yield Savings 3.80% APY + $1200 Bonus
FDIC insured- Excellent rates with NO fees from Raisin.
- $1 minimum deposit. 24/7 online access.
- Earn 3.80% APY
(FDIC Insured)
Live Oak Bank Savings 3.80% APY
Earn a competitive rate with the Live Oak Bank Savings account.
- Earn 3.80% APY on your funds with a Live Oak Bank Savings account.
- FDIC Insurance Up to Maximum Allowed by Law
- No Monthly Maintenance Fees
- Interest Compounded Daily
- Access Your Account Anytime with our Mobile App
(FDIC Insured)
CIT Bank Savings Connect 3.65% APY
One of the best Savings account to keep as a Hub account. They have fast ACH speed typically 1 day with up to $2M transfer limit per day. You have all the benefits with CIT Savings Connect while earning a competitive rate on all balances.
- Earn 3.65% APY on your funds—grow your savings faster.
- Earn a top tier, competitive APY on your money—one of the top savings rates in the nation.
- Deposit checks remotely and make transfers easily with the CIT Bank mobile app
- No monthly service fees.
(FDIC Insured)
- APY — Annual Percentage Yield is accurate as of January 9, 2026. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
- Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
- For complete list of account details and fees, see our Personal Account disclosures.
Quontic Bank High Yield Savings 3.50% APY
Earn a competitive rate with the Quontic Bank High Yield Savings account.
- Earn 3.50% APY on your funds with a Quontic Bank High Yield Savings account.
- Quick and easy access to funds
- No Hidden or Monthly Service Fees
- Manage Your Account Online or with the Quontic Mobile App
- Digitally Driven, Bank Secured, FDIC Insured
(FDIC Insured)
SoFi Checking & Savings $325 Bonus + 3.30% APY
Set up direct deposit into a SoFi Checking and Savings account to earn $325 bonus and 3.30% APY on your money. Plus, pay no account or overdraft fees, get 2-day-early-paycheck, and more.
- What you’ll get: $325 Bonus + 3.30% APY
- Which account: SoFi Checking & Savings
- Where it’s available: Online nationwide
- How to earn it:
- In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(Visit SoFi to learn more)
Upgrade Premier Savings 3.05% APY
Exceptional 3.05% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
Capital One 360 Performance Savings 3.00% APY
Chime Checking $100 Bonus + 2.00% APY
To earn the $100 bonus, open a Chime account and make a direct deposit of $200 or more within 45 days of opening your account. Then earn 2.00% APY on all balances.
- Fee-free overdraft up to $200 for eligible members
- Get paid up to 2 days early with direct depositˆ
- No monthly fees
- Grow your savings automatically
- Signing up takes 2 minutes!
(Limited time offer)
Best Bank Account Rates – Nationwide
| PROMOTIONAL LINK | OFFER | REVIEW |
| CIT Bank Platinum Savings | Up to 4.10% APY | Review |
| FVCbank Advantage Direct Savings | 4.01% APY | Review |
| Always.Bank Savings | 4.00% APY | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Valley Bank High Yield Savings | 3.96% APY + $1200 Bonus | Review |
| Centier Bank High Yield Savings | 3.90% APY + $1200 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1200 Bonus | Review |
| Live Oak Bank Savings | 3.80% APY | Review |
| CIT Bank Savings Connect | 3.65% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
| Bank | Account Type | APY | Minimum/Maximum | Review |
|---|---|---|---|---|
| Pibank | Savings (app only) | 4.60% | No min/No max | Review |
| GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
| Fitness Bank | Savings Account | 4.45% | $100 min/$250K max | Review |
| EagleBank | High Yield Savings | 4.40% | No min/$500K max | Review |
| Zynlo Bank | Money Market | 4.40% | No min/$250K max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Brilliant Bank | Money Market Account | 4.35% | $1K min/$500K max | Review |
| My eBanc | SuperSaver Money Market | 4.35% | $100K min/No max | Review |
| Newtek Bank | High Yield Savings | 4.35% | No min/No max | Review |
| Peak Bank | Envision Savings | 4.35% | No min/No max | Review |
| Vio Bank | Money Market Account | 4.31% | No min/No Max | Review |
| AlumniFi Credit Union | Savings | 4.30% | No min/No max | Review |
| BrioDirect | Savings | 4.30% | $25 min/No max | Review |
| EverBank | Savings | 4.30% | $25 min/No max | Review |
| TotalDirectBank | Direct Money Market | 4.26% | $2.5K min/$500K max | Review |
| CFG Bank | Market Market Account | 4.25% | $1K min/No max | Review |
| Forbright Bank | Savings | 4.25% | No min/No max | Review |
| First Foundation Bank | Online Savings | 4.25% | No min/No max | Review |
| First Foundation Bank | Online Money Market | 4.25% | No min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.25% | $2.5K min/$1M max | Review |
| Poppy Bank | Premier Online Savings | 4.25% | $1K min/No max | Review |
| Openbank | High Yield Savings | 4.20% | $500 min/No max | Review |
| Primis Bank | Savings | 4.20% | $1 min/No max | Review |
| Rising Bank | High Yield Savings | 4.20% | $1K min/$1M max | Review |
| State Bank of Texas | Jumbo Money Market Account | 4.18% | $100K min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.15% | $50K min/No max | Review |
| RBMAX | Max Interest Savings | 4.15% | No min/$250K max | Review |
| TAB Bank | High Yield Savings | 4.15% | $1 min/No max | Review |
| Barclays | Tiered Savings | 4.10% | No min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.10% | $1 min/No max | Review |
| HUSTL | Money Market | 4.10% | No min/No max | Review |
| Popular Direct | High-Rise Savings | 4.10% | $5K min/No max | Review |
| SFGI Direct | Online Savings | 4.08% | $1 min/No max | Review |
| MututalOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| Jenius Bank | Savings | 4.05% | No min/No max | Review |
| Bask Bank | Interest Savings | 4.05% | No min/No max | Review |
| Prime Alliance Bank | Personal Savings | 4.05% | No min/No max | Review |
| Prime Alliance Bank | Personal Money Market | 4.05% | No min/No max | Review |
| Primis Bank | Premium Checking | 4.05% | $1 min/No max | Review |
| CIBC | Savings | 4.02% | $1 min/$1M max | Review |
| MyBankingDirect | High Yield Savings | 4.02% | $1 min/No max | Review |
| Advantage Direct Savings by FVCbank | Savings | 4.01% | $500 min/No max | Review |
| Salem Five Direct | eOne Savings | 4.01% | No min/$1M max | Review |
| Always.Bank | Savings | 4.00% | No min/No max | Review |
| Valley Direct | Online Savings | 4.00% | No min/No max | Review |
| Bread Financial | High Yield Savings | 4.00% | No min/$1M max | Review |
| EverBank | Money Market | 4.00% | $500/No max | Review |
| Fierce Finance | Cash Account | 4.00% | No min/No max | Review |
| Merchants Bank | Money Market Savings Account | 4.00% | No min/No max | Review |
| NASB | Savings | 4.00% | No min/$1.5M max | Review |
| Wealthfront | Cash | 4.00% | No min/No max | Review |
| Valley Bank | High Yield Savings | 3.96% | $1 min/No max | Review |
| BankPurely | PurelyMoneyMarket | 3.95% | $25K min/No max | Review |
| iGObanking | Online Money Market | 3.95% | $25K min/No max | Review |
| PNC Bank | High Yield Savings | 3.95% | No min/No max | Review |
| Republic Bank | Digital Money Market | 3.91% | $2500 min/No max | Review |
| Centier Bank | High Yield Savings | 3.90% | $1 min/No max | Review |
| iGObanking | iGOindexmoneymarket | 3.90% | $25K min/No max | Review |
| Langley Federal Credit Union | Money Market Account | 3.90% | $1M min/No max | Review |
| My eBAnC | eRelationship Savings | 3.90% | $100K min/No max | Review |
| Sallie Mae Bank | High Yield Savings | 3.90% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 3.90% | No min/No max | Review |
| Affirm | Online Savings | 3.85% | No min/No max | Review |
| All America Bank | Mega Money Market | 3.85% | No min/$100K max | Review |
| ConnectOne Bank | Online Savings | 3.85% | $2.5K min/No max | Review |
| Redneck Bank | Mega Money Market | 3.85% | No min/$100K max | Review |
| Sallie Mae Bank | Money Market | 3.85% | No min/No max | Review |
| Elevault *iOS only* | Mobile Banking | 3.82% | No min/$50K max | Review |
| Western Alliance Bank | High-Yield Savings | 3.80% | $0.01 min/No max | Review |
| Live Oak Bank | Savings | 3.80% | No min/No max | Review |
| CNB Bank Direct | High Yield Savings | 3.80% | $1 min/No max | Review |
| CNB Bank Direct | Premium Money Market | 3.80% | $25K min/$2M max | Review |
| Paypal | Savings | 3.80% | No min/No max | Review |
| Synchrony Bank | High Yield Savings | 3.80% | No min/No max | Review |
| Climate First Bank | Choice Money Market | 3.76% | $50k min/No max | Review |
| CIT Bank | Platinum Savings | 3.75% | No min/No Max | Review |
| E*Trade | Premium Savings | 3.75% | No min/No max | Review |
| Dollar Savings Direct | Savings Account | 3.75% | No min/No Max | Review |
| Morgan Stanley | Preferred Savings | 3.75% | $1K min/No max | Review |
| MySavingsDirect | MySavings | 3.75% | No min/No max | Review |
| Northern Bank Direct | Money Market Premier | 3.75% | No min/$250K max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.75% | No min/No max | Review |
| VirtualBank | eMoney Market | 3.75% | No min/No max | Review |
| Western State Bank | High Yield Money Market | 3.75% | No min/No max | Review |
| Barclays | Online Savings Account | 3.70% | No min/No max | Review |
| Merrill | Preferred Deposit | 3.67% | $100K min/No max | Review |
| Lafayette Federal Credit Union | Premier Savings | 3.66% | $20K min/No max | Review |
| CIT Bank | Savings Connect | 3.65% | No min/No max | Review |
| Marcus by Goldman Sachs | Online Savings | 3.65% | No min/$3M max | Review |
| USALLIANCE | High Dividend Savings | 3.65% | No min/No max | Review |
| Quontic Bank | High Yield Savings | 3.50% | No min/No max | Review |
| Ally Bank | Money Market | 3.50% | No min/No max | Review |
| American Express® | High Yield Savings account | 3.50% | No min/$5M max | Review |
| Citizens Access | Online Savings | 3.50% | No min/No max | Review |
| EmigrantDirect | Savings Account | 3.50% | No min/No Max | Review |
| Empower | Cash Account | 3.50% | No min/No max | Review |
| Discover Bank | Online Savings | 3.40% | No min/No max | Review |
| Affinity Plus Federal Credit Union | Superior MMA | 3.40% | No min/$25K max | Review |
| Citi | Citi® Accelerate Savings | 3.40% | No min/No max | Review |
| Jovia Financial Credit Union | Online Savings | 3.40% | $4.95 min/No max | Review |
| CFBank | Money Market Account | 3.39% | $25K min/No max | Review |
| SoFi ($325 bonus) | Savings Account | 3.30% | No min/No max | Review |
| Ally Bank | Online Savings | 3.30% | No min/No max | Review |
| Betterment | Cash Reserve | 3.25% | No Min/No max | Review |
| BMO Bank | Online Savings | 3.25% | No min/No max | Review |
| FNBO Direct | Online Savings | 3.25% | $1 min /$1M max | Review |
| Robinhood | Cash Sweep | 3.25% | No min/No max | Review |
| LendingClub | High-Yield Savings | 3.20% | No min/No max | Review |
| Credit Karma | High Yield Savings account | 3.10% | No min/No max | Review |
| Upgrade | Premier Savings | 3.05% | $1K min/No max | Review |
| Capital One 360 | Performance Savings | 3.00% | No min/No Max | Review |
| Third Federal | Online Savings Plus | 3.00% | $5K min/No max | Review |
| Chime ($100 bonus) | Savings Account | 2.00% | No min/No max | Review |
| State Exchange Bank | High Yield Savings | 1.90% | $1 min/No max | Review |
Best Business Savings Rates – Nationwide
| Bank | Account Type | APY | Minimum/Maximum | Review |
|---|---|---|---|---|
| Piermont Bank | High-Yield Business Money Market | 3.50% | $20K min/No max | Review |
| Mercury | Mercury Treasury | 4.26% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.00% | $200K Min/No max | Review |
| Capital One | Business Savings | 3.70% | $10K min/$5M max | Review |
| Bluevine | Premier Business Checking | 3.50% | No Min/$3M max | Review |
| Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.25% | $10K min/No max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230k min/No max | Review |
| Lili Banking | Business Banking | 3.00% | No min/No max | Review |
| First Internet Bank | Business Money Market Savings | 2.94% | No Min/$5M max | Review |
| Live Oak Bank | Business Savings Account | 2.85% | $200K min/No max | Review |
| NBKC Bank | Business Money Market | 2.75% | No min/No max | Review |
| LendingClub Banking | Business Savings | 2.00% | No min/No max | Review |
| Grasshopper Bank | Business Checking | 1.80% + 1% Cash Back | No min/No max | Review |
| Bluevine | Business Checking | 1.50% | No min/$100K max | Review |
| Greenwood Credit Union | Business Money Market | 1.50% | $250K min/No max | Review |
| American Express (30K Bonus Points) | Business Checking | 1.30% | No min/ $500K max | Review |
| Paramount Bank | Business Money Market | 1.25% | No min/No max | Review |
| Premier America Credit Union | Business Money Market | 1.10% | No min/No max | Review |
| Axos Bank ($200 Bonus) | Business Interest Checking | 1.01% | No min/ $49,999.99 max | Review |
| LendingClub | Business Tailored Checking | 1.00% | No min/No max | Review |
| Signature Federal Credit Union | Business Money Market | 1.00% | No min/No max | Review |
While American Express is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are those of the author alone, who makes every effort to ensure the accuracy of the information.
