Looking for the best Bank Rates & High Interest Savings Rates? The following Savings & Money Market Accounts are available to everyone to earn the highest interest rate possible! This means finding the kind of savings account that is best suited for your needs.
Savings accounts, CDs, checking accounts, and money markets each offer very different benefits, and very different interest rates. 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. Make sure to read their terms and conditions in order to get the high rate. Find the best bank rate available nationwide!
Best Hub Bank Account
American Express Personal Savings Account – You earn a high interest rate within this account along with no minimum deposits or monthly fees. Amex Personal Savings has been my favorite Hub account for the last few years. Here’s why:
- No dollar limitations for ACH transfers – When you find a top bank rate account, you don’t want to be limited to just $5K or $10K transfers. Amex Savings will let you transfers as much as you want whether you are pulling or pushing money from and to an external bank account.
- 1 to 2 business days ACH transfers speed – With top-notch user interface, you get your money to another external account or pull money from another bank account within a day or two.
- No loss of interest during transfers – On the day you initiate your transaction on the Personal Savings website, the funds will be reflected in your Current Balance and begin earning interest.
Some other features from American Express Personal Savings include Free Wire Transfers, 3 maximum linked accounts, and maximum 6 ACH withdrawals per month.
Favorite Bank Account Rates
See advertiser website for full details
|Open a Discover Online Savings Account for all these features:
-Earn $200/$150 Bonus with promo code HMB319 by April 1, 2019
-Fund your first savings account with a minimum of $25K by April 15, 2019 to earn the $200 Bonus
-Fund your first savings account with a minimum of $15K by April 15, 2019 to earn the $150 Bonus
-Earn high interest rate of 2.10% APY
-No minimum opening deposit, no minimum balance requirement, and no monthly fees
-Interest on Discover Online Savings Accounts is compounded daily and credited monthly
-Manage your account online or with the Discover mobile app
-FDIC insurance up to $250,000
|With the CIT Bank Savings Builders account:
-Earn a top tier, competitive APY on your money—one of the top savings rates in the nation. Earn 2.45% APY on your funds - grow your savings faster.
-Build a habit of savings. Pay yourself first. Start with $100 per month and build your habit of savings—all while getting a top rate.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
|With the HSBC Direct Savings Account:
-Earn 2.25% APY on all balance tiers
-No monthly maintenance fee
-Minimum balance to earn APY is $1
-Apply online today
-Move money quickly and access your funds using online transfers
-Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking
-Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
|-Open a Synchrony Bank High Yield Savings Account
-Earn 2.25% APY on your funds on all balances
-Available online nationwide
-No minimum balance requirement or monthly service fee
-24/7 online and mobile banking
-Withdrawals online, by phone or ATM
-Your deposit accounts are insured up to $250,000 per ownership category
|With the Barclays Online Savings Account, you’ll enjoy:
-Earning 2.20% APY on your funds - an award-winning account with rates 20x the national average
-No minimum opening balance or deposit required to open
-Secure, 24/7 online access to your funds & tools to help you save
-Online transfers to and from other banks
-Direct deposit to make saving simple and easy
-No monthly maintenance fees"
|With the American Express High Yield Savings Account:
-Earn 2.10% APY on your deposits. Your Personal Savings account earns interest daily and is posted to your account monthly.
-Links easily with your current bank accounts. No need to switch banks.
-FDIC Insured. Your account is insured to at least $250,000 per depositor.
-No monthly fees, no minimum balance.
-24/7 Account Access
|Get started and open a Discover Money Market Account in 3 easy steps.
-Available nationwide online
-Earn high yields with flexible access to your cash.
-Earn 2.00% APY balances $100,000 and over
-Earn 1.95% APY balances under $100,000
-Open with as little as $2,500.
-No hidden fees. No surprises.
-Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs
-Secure banking features
|With the BBVA Compass ClearChoice Money Market Account:
-Earn 1.90% Annual Percentage Yield for 12 months for accounts opened online
-Earn this exceptional rate on your entire balance
-$25 minimum opening deposit required
-Get a competitive rate, with tiered interest to grow your money faster
-Interest compounds and is credited monthly
-Easily withdraw money in branch & at BBVA Compass ATMs w/no fees
-Enjoy 24/7 online access with Online and Mobile Banking
|With the CIT Bank Money Market Account, you can earn a competitive interest rate and access your money easily.
-Earn 1.85% APY on your funds
-One of the nation's top rates — over 16x the national average.
-Get up to 6 digital transfers/withdrawals per statement cycle
-Save smart and get more for your money
-Higher rates than traditional banks
-Get 24/7 Account Access
-Open with as little as $100
Best Bank Account Rates – Nationwide
|North American Savings Bank||High Rate Savings||2.53%||$50K min/$5M max||Soft||Review|
|All America Bank||Mega Money Market||2.50%||No min/$50K max||Soft||Review|
|Customer Bank||High-Yield Savings||2.50%||$25K min/No max||Soft||Review|
|First Home Bank||Advantage Money Market||2.50%||$50k min/No max||?||Review|
|Redneck Bank||Mega Money Market||2.50%||No min/$50K max||Soft||Review|
|Superior Choice Credit Union||Choice Investment Money Market||2.50%||$50K min/No max||?||Review|
|United Bank(Many States)||Advantage Money Market||2.50%||$1 min/$500K max||?||Review|
|Banesco USA||BanesGrow Savings Account||2.47%||$300 min/No max||?||Review|
|CIT Bank||Savings Builders||2.45%||$25K min/No max||Soft||Review|
|MemoryBank||MMA||2.45%||No min/$1M max||Soft||Review|
|Rising Bank||High Yield Savings||2.45%||$1K min/$500K max||?||Review|
|UFB Direct||Premium Money Market||2.45%||$25K min/No max||?||Review|
|USALLIANCE Financial||High Dividend Savings||2.44%||$500 min/No max||Soft||Review|
|Earn Bank||Savings Account||2.41%||No min/No max||?||Review|
|VIO Bank||High-Yield Savings||2.41%||No min/No max||?||Review|
|BankPurely||MMA||2.40%||$25K min/$500K max||Soft||Review|
|iGObanking||MMA||2.40%||$25K min/No max||Soft||Review|
|Investors Bank||eAccess MMA||2.40%||No min/$2M max||Soft||Review|
|MySavingsDirect||Online Savings||2.40%||No min/No max||Soft||Review|
|My eBAnC||eRelationship Savings||2.40%||$25K min/No max||?||Review|
|Quontic Bank||MMA||2.40%||$100K min/No max||?||Review|
|TAB Bank||High Yield Savings||2.40%||No min/No max||?||Review|
|CIBC Bank||Savings Account||2.39%||No min/$1M max||?||Review|
|Citibank (Many States)||Savings Account||2.36%||No min/No max||Soft||Review|
|Popular Direct||Savings Account||2.36%||$5K min/No max||Soft||Review|
|VirtualBank||eMoney Market||2.36%||No min/No max||?||Review|
|Bank7||Online Savings Account||2.35%||$100 min/$1M max||Soft||Review|
|Bank7||Online Money Market||2.35%||$5K min/$1M max||Soft||Review|
|Bay State Savings Bank||Money Market||2.35%||No min/No max||?||Review|
|Citizens Access||Online Savings||2.35%||$5K min/No max||?||Review|
|PNC Bank (Many States)||High Yield Savings||2.35%||No min/$5M max||Soft||Review|
|PurePoint Financial||Online Savings||2.35%||$10K min/No max||Soft||Review|
|Live Oak Bank||Online Savings||2.30%||No min/$5M max||?||Review|
|Northpointe Bank||Ultimate Money Market||2.30%||$25K min/$1M max||Soft||Review|
|Salem Five Direct||eOneSavings||2.30%||No min/$1M max||Hard||Review|
|Sallie Mae Bank||MMA||2.30%||No min/No max||Soft||Review|
|Banesco USA||Money Market Account||2.27%||$100,000 min/No max||?||Review|
|MutualOne Bank||Savings Account||2.27%||No min/$1M max||?||Review|
|SFGI Direct||Savings Account||2.27%||No min/No max||?||Review|
|Amboy direct||Money Market Account||2.25%||$40K min/$250K max||Soft||Review|
|CommunityWide Fed Credit Union||High Rate Quarterly Fund Account||2.25%||$500 min/No max||?||Review|
|Customer Bank||Ascent MMA Savings||2.25%||$25K min/No max||Soft||Review|
|FNBO Direct||Online Savings||2.25%||No min/$1M max||?||Review|
|HSBC Bank Member FDIC||Direct Savings||2.25%||$1 min/No max||Soft||Terms|
|Marcus By Goldman Sachs||Online Savings||2.25%||No min/$1M max||Soft||Review|
|My eBanc||Money Market Account||2.25%||$5K min/$No Max||?||Review|
|Northfield Bank||Platinum Savings||2.25%||No min/$100K max||Hard||Review|
|Pacific National Bank||Money Market||2.25%||$5K min/$240K max||?||Review|
|Presidential Bank||Money Market Savings||2.25%||$25K min/No max||?||Review|
|SoFi Money||Checking/Savings||2.25%||No min/No max||?||Review|
|State Farm Bank||Money Market Savings||2.25%||$1K min/$5M max||?||Review|
|Synchrony Bank||High Yield Savings||2.25%||No min/No max||Soft||Review|
|Zions Bank (Many States)||MMA||2.25%||$25K min/No max||?||Review|
|Wealthfront||Cash Account||2.24%||No min/No max||?||Review|
|Betterment||Smart Saver Savings||2.23%||No min/$1M max||?||Review|
|Ally Bank||High-Yield Savings||2.20%||No min/No max||Soft||Review|
|Barclays||Online Savings||2.20%||No min/No max||?||Review|
|IncredibleBank||Money market||2.20%||$300K min/No max||?||Review|
|Community Bank of Pleasant Hill||Premier Money Management Account||2.17%||No min/No max||?||Review|
|Community Bank of Raymore||Premier Money Management Account||2.17%||No min/No max||?||Review|
|Empower Bank||Online Savings||2.15%||No min/No max||?||Review|
|TIAA Bank||Money Market||2.15%||$5K min/$250K max||?||Review|
|Varo||Savings Account||2.12%||No min/No max||?||Review|
|Alliant Credit Union||High-Yield Savings||2.10%||No min/No max||Soft||Review|
|American Express||High-Yield Savings||2.10%||No min/$5M max||?||Review|
|Discover Bank ($200 Bonus)||Online Savings||2.10%||No min/No max||Soft||Review|
|E*Trade||Premium Savings||2.10%||No min/No max||Soft||Review|
|Sallie Mae Bank||High-Yield Savings||2.10%||No min/No max||Soft||Review|
|Bank5 Connect||High-Interest Savings||2.05%||$100 min/No max||Hard||Review|
|Radius Bank||High-Yield Savings||2.05%||$25K min/No max||Hard||Review|
|Quorum Federal Credit Union||HighQ Savings||2.05%||No min/No max||?||Review|
|Huntington Bank (Many States)||Business Premier Money Market||2.02%||$20K min/$2M max||Soft||Review|
|UmbrellaBank||Money Market||2.01%||$1K min/No max||?||Review|
|American Heritage Credit Union||High Yield Savings||2.00%||$10K min/$1M max||?||Review|
|Capital One||Business Advantage Savings Account||2.00%||$250 min/$1M max||Soft||Review|
|Capital One 360 ($100 bonus)||Money Market||2.00%||$10K min/No max||Soft||Review|
|Capital One 360 ($500 bonus)||Money Market||2.00%||$50K min/No max||Soft||Review|
|Discover Bank||MMA||2.00%||$100K min/No max||Soft||Review|
|Elements Financial||Premium MMA||2.00%||$2.5K min/No max||Soft||Review|
|Hanscom Federal Credit Union||High-Yield Savings||2.00%||$25K min/No max||?||Review|
|Midfirst Direct||High Yield Online Savings||2.00%||No min/No max||Soft||Review|
|One American Bank||Freedom High-Yield Savings||2.00%||$50K min/No max||?||Review|
|PenFed Credit Union||Online Savings||2.00%||$5 min/$100K max||?||Review|
|CIT Bank||Money Market||1.85%||$100 min/No max||Soft||Review|
|CIT Bank||Premier High Yield Savings||1.55%||No min/No max||Soft||Review|
|Capital One 360 ($25 bonus)||360 Checking||1.00%||$50K min/$100K max||Soft||Review|
High-Interest Reward Checking Accounts - Nationwide
For those who are willing to do some extra work each month, you may want to sign up for a Rewards Checking Account (RCA). To earn the higher-than-normal APR as compared to a savings account, you must enroll in eStatements, set up monthly direct deposit or ACH transfers, then make a minimum number of debit card transactions. While the rate may be high, there is a cap usually between $10K to $20K on the high interest rate.
|Bank or Credit Union||Account Type||APY||Maximum||Inquiry||Review|
|Consumers Credit Union||Free Rewards Checking||5.09%||$10,000||Hard||Review|
|Orion Federal Credit Union||Premium Checking||4.00%||$30,000||Hard||Review|
|One American Bank||Kasasa Cash||3.50%||$10,000||Soft||Review|
|Heritage Bank||eCentive Account||3.33%||$25,000||Soft||Review|
|Market USA FCU||Platinum Tier Rewards Checking||3.01%||$15,000||?||Review|
|All America Bank||Ultimate Rewards Checking||3.00%||$10,000||Soft||Review|
|Coastal Credit Union||Go Green Checking||3.00%||$10,000||?||Review|
|Evansville Teachers FCU||Vertical Dividend Checking||3.00%||$20,000||Soft||Review|
|INOVA Federal Credit Union||Shield Checking||3.00%||$15,000||?||Review|
|Signature Federal Credit Union||Choice Checking||3.00%||$15,000||Soft||Review|
|Lake Michigan Credit Union||Max Checking||3.00%||$15,000||Hard||Review|
|MainStreet Bank||Kasasa Cash||3.00%||$15,000||?||Review|
|Great Lakes Credit Union||Ultimate Checking||3.00%||$10,000||Hard||Review|
|Partner Colorado Credit Union||High Interest Checking||3.00%||$10,000||Hard||Review|
|USE Federal Credit Union||Kasasa Cash||3.00%||$10,000||?||Review|
Best State Bank Rates
Some bank rates are only available for these States with higher interest rate than you can find anywhere else. You may be interested in them because you want a physical branch where you live. We listed below all the best high interest rates if you are fortunate to live in the respective State below.
|Connex Credit Union||CT||Money Market Account||2.85%||$100K minimum to earn high rate||Review|
|Grow Financial Federal Credit Union||FL, NC, SC||Money Market Account||2.75%||$1K minimum to earn high rate||Review|
|Optimum Bank||FL||Money Market||2.60%||$1,000 minimum to open||Review|
|College Savings Bank||AZ||Honors Savings||2.53%||$250 minimum to earn high rate||Review|
|First Federal Savings||OH||Prime Linked MMA||2.53%||$10k minimum to earn high rate||Review|
|Family First Federal Credit Union||NY||Money Market Account||2.50%||$10k minimum to earn high rate||Review|
|General Electric Credit Union||OH||Money Market Account||2.50%||$25K minimum to earn high rate||Review|
|Poppy Bank||CA||Poppy Savings||2.50%||$10k minimum to earn high rate||Review|
|Heartland Bank||OH||MMA||2.50%||$25k minimum to earn high rate||Review|
|Great Southern Bank||AR, IA, KS, MN, MO, NE, OK, TX||Money Market||2.48%||$2.5k minimum to earn high rate||Review|
|Guilford Savings Bank||CT||Money Market||2.43%||$1k minimum opening deposit||Review|
|Mutual Bank||MA||Leader MMA||2.43%||$1k minimum opening deposit||Review|
|CFG Community Bank||MD||Money Market||2.40%||$25k minimum to earn high rate||Review|
|Kearny Bank||NJ, NY||MMA Plus||2.38%||$1M minimum to earn high rate||Review|
|UMB||AZ, CO, IL, MO, NE, OK, KS, TX||Money Market||2.32%||$10k minimum to earn high rate||Review|
|CFBank||OH||Money Market||2.30%||$25k minimum to earn high rate||Review|
|Metro Credit Union||MA||High Yield Savings Account||2.25%||$25K minimum to earn high rate||Review|
|Clinton Savings Bank||MA||eXPERIENCE Online Savings||2.20%||$100 minimum opening deposit||Review|
|Hanmi Bank||CA, IL, NJ, NY, TX, VA||Premier Savings||2.10%||$50k minimum to earn listed rate||Review|
|MapleMark Bank||OK, TX||MMA||2.10%||$25k minimum to earn listed rate||Review|
|Apco Employees Credit Union||AL||IRA Share Account||2.02%||$25 minimum to earn high rate||Review|
|Beal Bank||AZ, CA, CO, FL, GA, IL, KS ,MD, MA, MI, MN, NJ, NY, NV, OR, PA, VA, WA||MMA||2.01%||$25K minimum opening deposit||Review|
|M.Y. Safra Bank||NY||Direct Online Money Market||2.01%||$5K minimum opening deposit||Review|
|Unified Bank||OH||MMA||2.01%||$20k minimum to earn high rate||Review|
|Bank of the Finger Lakes||NY||Simply Smart Money Market||2.00%||$1,000 minimum to earn high rate||Review|
|Central Minnesota CU||MN||My Goal Savings||2.00%||$0+ minimum to earn high rate||Review|
|Citadel FCU||PA||High Yield Savings||2.00%||$10k minimum to earn high rate||Review|
|Home Loan Investment Bank||RI, MA||Premier Savings||2.00%||$50k minimum to earn high rate||Review|
|Optima Bank & Trust||NH||Premium Savings||2.00%||$25k minimum to earn high rate||Review|
|Truity Credit Union||AR, KS, OK, TX||Name It Save It Savings||2.00%||On balances up to $50k||Review|
With the American Express® Gold Card:
• Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
• Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
• $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
• Choose to carry a balance with interest on eligible charges of $100 or more.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms apply.
• See Rates & Fees