Find which banks have the best Savings account and Money Market Account rates here.
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.
Table of Contents
- 1 Best Savings Account Rates
- 1.1 American Express High Yield Savings 1.00% APY
- 1.2 UFB Direct High Yield Savings 1.00% APY
- 1.3 UFB Direct Money Market 1.00% APY
- 1.4 CIT Bank Money Market 1.00% APY
- 1.5 CIT Bank Savings Builder 0.95% APY
- 1.6 Simple Account Up to 1.00% APY
- 1.7 Green Dot Unlimited Cash Back Bank Account
- 1.8 Citi Accelerate Savings account 1.20% APY
- 1.9 Capital One 360 Performance Savings 1.00% APY
- 1.10 Discover Bank Online Savings 1.01% APY
- 1.11 Discover Money Market Up to 0.90% APY
- 2 Best Hub Bank Account
- 3 Best Bank Account Rates – Nationwide
- 4 High-Interest Reward Checking Accounts - Nationwide
- 5 Best State Bank Rates
Best Savings Account 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.
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.
American Express High Yield Savings 1.00% APY
American Express Personal Savings account offers 1.00% APY Rate on all account balances.
- Earn 1.00% 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.
- No monthly fees, no minimum balance.
- 24/7 Account Access.
(FDIC Insured)
Learn more about American Express High Yield Savings and the latest Amex credit card offers here.
UFB Direct High Yield Savings 1.00% APY
UFB Direct, an online division of Axos Bank, offers a highly competitive rate with their online savings account. This account is available online, nationwide.
- Earn 1.00% APY for balances of $10,000 or more.
- The UFB High Yield Savings Account offers up to 1.00% APY with interest compounded daily.
- The minimum deposit to open a UFB Direct High Yield Savings Account is only $100.
- Receive high earnings without paying back in monthly fees
- Funding accounts is made easy via bank transfers, mobile deposit, wire transfer or check
- All deposits are FDIC insured up to $250,000
(FDIC Insured)
Learn more about UFB Direct here from Axos Bank. Our full list of Axos Bank bonuses here.
UFB Direct Money Market 1.00% APY
UFB Direct offers a premium money market account with a competitive rate. This account is available online, nationwide.
- Current rate offer: 1.00% APY
- Minimum deposit amount to open a UFB Premium Money Market Account is only $5,000.
- No monthly maintenance fee with a minimum $5,000 average daily ledger balance; otherwise, the fee is $10.00 per month.
- Free limited check writing privileges.
- FDIC insured to the maximum allowable limit – certificate number 35546.
(FDIC insured)
Learn more about UFB Direct here from Axos Bank. Our full list of Axos Bank bonuses here.
CIT Bank Money Market 1.00% APY
Earn 1.00% APY with the CIT Money Market account.
- Earn 1.00% APY on your funds— reach your savings goals with a CIT Bank Money Market account.
- Earn several times the national average
- Quick and easy access to funds
- No monthly service fees
- 24/7 secure & award-winning banking
- A limit of six transactions per statement cycle
- Deposit checks remotely and make transfers with the CIT Bank mobile app
(FDIC Insured)
Learn more about CIT Bank Money Market from CIT Bank. Our full list of CIT Bank bonuses here.
CIT Bank Savings Builder 0.95% APY
Earn up to 0.95% APY with the CIT Bank Savings Builder account.
- Earn up to 0.95% 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.
- 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.
(FDIC Insured)
Learn more about CIT Bank Savings Builder from CIT Bank. Our full list of CIT Bank bonuses here.
Simple Account Up to 1.00% APY
Bank, budget, and save with up to 1.00% APY. Simple’s Protected Goals Account is designed to help you save in a separate high-yield checking account.
- Earn 1.00% APY on balances $10,000 and above
- Earn 1.00% APY on balances $9,999 or less
(Visit Simple for more details)
Read more about Simple offers here.
Green Dot Unlimited Cash Back Bank Account
With the Unlimited Cash Back Bank Account by Green Dot, you can earn 2% APY on your savings up to $10,000 (may change anytime) PLUS 2% cash back on online and mobile purchases (at Amazon, Uber, Walmart.com and more).
Visit GreenDot.com for terms and conditions.
(Learn More at Green Dot)
Learn more about the Green Dot Unlimited Cash Back Bank Account here.
Citi Accelerate Savings account 1.20% APY
- Earn 1.20% APY on your deposits.
- No limits on earnings
- No minimum opening deposit
Learn more about Citi Accelerate Savings and the latest Citibank Promotions here.
Capital One 360 Performance Savings 1.00% APY
The 360 Performance Savings account earns 1.00% APY for balances of $10,000 or more.
- Earn 1.00% APY on all balances
- Available online, nationwide
- No monthly fees to open or keep your account
Learn more about Capital One 360 Performance Savings and more Capital One promotions here.
Discover Bank Online Savings 1.01% APY
Discover Online Savings Account offers 1.01% APY on your funds. This account is available online, nationwide. Member FDIC.
- Earn a high interest rate of 1.01% APY!
- No minimum opening deposit, no minimum balance requirement, and no monthly fees.
- FDIC insurance up to $250,000.
(See advertiser website for full details)
Read more about Discover Bank Online Savings here. Our full list of Discover Bank bonuses here.
Discover Money Market Up to 0.90% APY
Discover Bank’s Money Market account offers 0.85% APY rate on balances up to $99,999. Those with a balance $100K and higher, you’ll earn 0.90% APY with easy cash access via ATM, debit, or check.
- Earn up to 0.90% APY!
- Many free features including: money transfer , money withdrawal, deposit money, view your daily activity, or pay bills in just a few steps online or on your mobile phone
- Fund your first savings account with a minimum of $100K to earn the APY
- There is no hidden fees and get access to over 60,000 free ATMs.
- No minimum opening deposit, no minimum balance requirement, and no monthly fees.
- FDIC insurance up to $250,000.
(See advertiser website for full details)
Read more about Discover Bank Money Market here. Our full list of Discover Bank bonuses here.
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.
Best Bank Account Rates – Nationwide
| Bank | Account Type | APY | Minimum/Maximum | Inquiry | Review |
|---|---|---|---|---|---|
| Juno Bank | Checking Account | 2.15% | $100 min/$20K max | ? | Review |
| Affinity Plus Federal Credit Union | Superior MMA | 2.02% | $500/$25K | ? | Review |
| Neighbors Bank | High-Yield Online Savings | 1.70% | $25K min/No max | ? | Review |
| PNC Bank (Many States) | High Yield Savings | 1.60% | No min/$5M max | Soft | Review |
| SunTrust Bank | Advantage Money Market | 1.50% | $10K min/No max | ? | Review |
| Patriot Bank | Online Money Market | 1.40% | No min/No max | Soft | Review |
| Quontic Bank | MMA | 1.30% | $150K min/No max | ? | Review |
| Capital One | Business Advantage Savings Account | 1.25% | $250 min/$1M max | Soft | Review |
| CFG Bank | Online High Yield Money Market | 1.25% | $25K min/No max | ? | Review |
| Smarty Pig | High Yield Savings | 1.25% | No min/No Max | ? | Review |
| Varo | Savings Account | 1.21% | No min/No max | ? | Review |
| VIO Bank | High-Yield Savings | 1.21% | No min/No max | Soft | Review |
| Citibank (Many States) | Savings Account | 1.20% | No min/No max | Soft | Review |
| Colorado Federal Savings Bank | Premier Savings Account | 1.20% | $50k/No max | ? | Review |
| First Foundation Bank | Online Savings | 1.20% | $1K min/No max | ? | Review |
| SFGI Direct | Savings Account | 1.16% | $1/No max | ? | Review |
| CIBC Bank | Savings Account | 1.15% | No min/$1M max | ? | Review |
| Gateway First Bank (38 States) | Savings Account | 1.15% | $10 min/No Max | ? | Review |
| All America Bank | Mega Money Market | 1.10% | No min/$50K max | Soft | Review |
| Bank5 Connect | High-Interest Savings | 1.10% | $100 min/No max | Hard | Review |
| Bank7 | Online Savings Account | 1.10% | $100 min/$1M max | Soft | Review |
| Bank7 | Online Money Market | 1.10% | $5K min/$1M max | Soft | Review |
| BMO Harris Bank | Money Market | 1.10% | $5K min/No max | Soft | Review |
| ConnectOne Bank | Savings Account | 1.10% | $2.5K min/ 250K max | ? | Review |
| Redneck Bank | Mega Money Market | 1.10% | No min/$50K max | Soft | Review |
| Western State Bank | Money Market | 1.10% | No min/$3M max | Soft | Review |
| able Banking | Money Market | 1.05% | $250 min/No max | Soft | Review |
| CFBank | MMA | 1.05% | $25K min/No max | ? | Review |
| Fitness Bank | Savings Account | 1.05% | $100 min/No max | ? | Review |
| Marcus By Goldman Sachs | Online Savings | 1.05% | $1/$1M max | Soft | Review |
| Popular Direct | Savings Account | 1.05% | $5K min/No max | Soft | Review |
| Synchrony Bank | High Yield Savings | 1.05% | No min/No max | Soft | Review |
| TotalDirectBank | Money Market | 1.05% | $5K min/$500K max | ? | Review |
| Discover Bank | Online Savings | 1.01% | No min/No max | Soft | Review |
| First Internet Bank | Money Market | 1.01% | $100 min/No max | Soft | Review |
| Prime Alliance Bank | Personal Savings | 1.01% | $10,000 min/No max | ? | Review |
| PurePoint Financial | Online Savings | 1.01% | $10K min/No max | Soft | Review |
| Ally Bank | Online Savings | 1.00% | No min/No max | Soft | Review |
| American Express | High-Yield Savings | 1.00% | No min/$5M max | ? | Review |
| Aspiration ($25 bonus) | Spend & Save | 1.00% | $10K min/No max | Soft | Review |
| Barclays | Online Savings | 1.00% | No min/No max | ? | Review |
| Capital One 360 ($500 bonus) | Performance Savings | 1.00% | No min | Soft | Review |
| Capital One 360 ($25 bonus) | 360 Checking | 1.00% | $50K min/$100K max | Soft | Review |
| Capital One 360 ($25 bonus) | 360 Checking | 1.00% | $50K min/$100K max | Soft | Review |
| CIT Bank | Money Market | 1.00% | $100 min/No max | Soft | Review |
| Citizens Access | Online Savings | 1.00% | $5K min/No max | ? | Review |
| Colorado Federal Savings Bank | High Yield Savings | 1.00% | $1 min/No max | Soft | Review |
| Comenity Direct | High-Yield Savings | 1.00% | $1 min/$10M max | ? | Review |
| CommunityWide Fed Credit Union | High Rate Quarterly Fund Account | 1.00% | $500 min/No max | ? | Review |
| Dollar Savings Direct | High Interest Savings | 1.00% | No min/No max | ? | Review |
| Huntington Bank (Many States) | Business Premier Money Market | 1.00% | $10K min/$2M max | Soft | Review |
| Live Oak Bank | Online Savings | 1.00% | $0.01/$5M max | Soft | Review |
| My eBAnC | eRelationship Savings | 1.00% | $25K min/No max | ? | Review |
| Northern Bank Direct | Money Market | 1.00% | $5K/$250K max | Soft | Review |
| Pacific National Bank | Money Market | 1.00% | $5K min/$240K max | ? | Review |
| PenFed Credit Union | Premium Online Savings | 1.00% | No min/$100K max | ? | Review |
| Rising Bank | High Yield Savings | 1.00% | $1K min/$500K max | ? | Review |
| Salem Five Direct | eOneSavings | 1.00% | No min/$1M max | Hard | Review |
| Simple | Individual or Shared Protected Goals Account | 1.00% | No min/No max | Soft | Review |
| UFB Direct | Money Market | 1.00% | $5K min/No max | Soft | Review |
| UFB Direct | High Yield Savings | 1.00% | $10K min/No max | Soft | Review |
| VirtualBank | eMoney Market | 1.00% | No min/No max | ? | Review |
| CIT Bank | Savings Builders | 0.95% | $25K min/No max | Soft | Review |
| Discover Bank | MMA | 0.90% | $100K min/No max | Soft | Review |
| Credit Karma | High Yield Savings | 0.56% | $0.01/No max | ? | Review |
| Betterment | EverydayTMCash Reserve | 0.40% | $10 min/No max | ? | Review |
| SoFi Money ($25 Bonus) | Checking/Savings | 0.20% | No min/No max | ? | Review |
| BBVA | Money Market | 0.19% | $10K min/No 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 | 4.09% | $10,000 | Hard | Review |
| Ideal Credit Union | High Yield Checking | 4.00% | $20,000 | ? | Review |
| Blue Federal Credit Union | Extreme Checking | 3.50% | $15,000 | Soft | Review |
| First Financial FCU | Kasasa Cash Checking | 3.50% | $15,000 | ? | Review |
| Devon Bank | Kasasa Cash Checking | 3.50% | $10,000 | ? | Review |
| Evansville Teachers FCU | Vertical Dividend Checking | 3.30% | $20,000 | Soft | Review |
| Western Vista Credit Union | Panorama Checking | 3.25% | $15,000 | ? | Review |
| Market USA FCU | Platinum Tier Rewards Checking | 3.01% | $15,000 | ? | Review |
| ECCU | Kasasa Cash | 3.00% | $35,000 | Soft | Review |
| Garden Savings Federal Credit Union | Platinum Checking | 3.00% | $15,000 | ? | Review |
| INOVA Federal Credit Union | Shield Checking | 3.00% | $15,000 | ? | Review |
| Lake Michigan Credit Union | Max Checking | 3.00% | $15,000 | Hard | Review |
| Quoin Bank | Kasasa Cash Checking | 3.00% | $25,000 | ? | Review |
| Security Bank of Crawford | Kasasa Cash Checking | 3.00% | $15,000 | ? | Review |
| Signature Federal Credit Union | Choice Checking | 3.00% | $20,000 | Soft | Review |
| The Bank of Denver | Kasasa Cash | 3.00% | $25,000 | Soft | Review |
| 22nd State Bank | Kasasa Cash | 2.50% | $25,000 | ? | Review |
| Great Lakes Credit Union | Free Checking | 2.50% | $10,000 | ? | Review |
| Industrial Bank | Kasasa Cash | 2.50% | $15,000 | ? | Review |
| USE Federal Credit Union | Kasasa Cash | 2.50% | $10,000 | ? | Review |
| Bellco Credit Union | Boost Interest Checking | 2.25% | $25,000 | ? | Review |
| Presidential Bank | Checkless Checking | 2.25% | $25,000 | ? | Review |
| TruStone Financial Federal Credit Union | TruRate Checking | 2.02% | $20,000 | ? | Review |
| Bay State Savings Bank | Kasasa Cash | 2.01% | $20,000 | ? | Review |
| Campus Federal | Lagniappe Checking | 2.01% | $10,000 | ? | Review |
| Department Of Commerce Federal Credit Union | Performance Checking | 2.01% | $20,000 | ? | Review |
| First Security Bank & Trust | Kasasa Cash | 2.01% | $50,000 | ? | Review |
| Country Bank | Kasasa Cash | 2.00% | $20,000 | Soft | Review |
| Elements Financial | High Interest Checking | 2.00% | $20,000 | Soft | Review |
| GreenState Credit Union | R2 Checking | 2.00% | $20,000 | ? | Review |
| Hawaii Pacific Federal Credit Union | Kasasa Cash | 2.00% | $25,000 | ? | Review |
| Main Street Bank | Kasasa Cash | 2.00% | $15,000 | ? | Review |
| Northwest Federal Credit Union | Kasasa Cash | 2.00% | $25,000 | ? | Review |
| One American Bank | Kasasa Cash | 2.00% | $10,000 | Soft | Review |
| TAB Bank | Kasasa Cash | 2.00% | $50,000 | Soft | Review |
| United Educators Credit Union | High Yield Checking | 2.00% | $10,000 | ? | Review |
| Wings Financial | High Yield Checking | 1.76% | $25,000 | ? | Review |
| Connexus Credit Union | Xtraordinary Rewards Checking | 1.75% | $25,000 | Hard | Review |
| Partner Colorado Credit Union | High Interest Checking | 1.75% | $10,000 | Hard | Review |
| Heritage Bank | eCentive Account | 1.53% | $25,000 | Soft | Review |
| Finex Credit Union | Axcess Rewards Checking | 1.51% | $25,000 | ? | Review |
| Envision Bank | Envision Max | 1.50% | $25,000 | ? | Review |
| First Tech Federal Credit Union | Dividends Rewards Checking | 1.50% | $15,000 | ? | Review |
| KS State Bank | Checking PLUS | 1.50% | $15,000 | ? | Review |
| Quontic Bank | Amplify Interest Checking | 1.50% | $1,000,000 | ? | Review |
| All America Bank | Ultimate Rewards Checking | 1.35% | $10,000 | Soft | Review |
| Redneck Bank | Rewards Checking | 1.35% | $10,000 | ? | Review |
| BankFirst | Kasasa Cash | 1.25% | $10,000 | ? | Review |
| Devon Bank | Kasasa Cash with Saver | 1.25% | $50,000 | ? | Review |
| America's Credit Union | Affinity Plus Checking | 1.01% | $25,000 | Soft | Review |
| Orion Federal Credit Union | Premium Checking | 1.00% | $10,000 | Hard | Review |
| XCEL Federal Credit Union | Kasasa Cash | 1.00% | $25,000 | ? | 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.
| Bank | State(s) | Account Type | APY | Minimum/Maximum | Review |
|---|---|---|---|---|---|
| SharePoint Credit Union | MN | eSavings Account | 3.00% | No min/$10K max | Review |
| Apco Employees Credit Union | AL | IRA Share Account | 2.02% | $25 minimum to earn high rate | Review |
| Central Minnesota CU | MN | My Goal Savings | 2.00% | $0+ minimum to earn high rate | Review |
| WauBank | AZ, CT, FL, MA, RI, TN, VA | Online High Yield Savings | 1.85% | $5K minimum to earn high rate | Review |
| Amboy Direct | NJ | eSavings Account | 1.51% | $1.00 min/$250,000 max | Review |
| College Savings Bank | AZ | Honors Savings | 1.16% | $250 minimum to earn high rate | Review |
| Kearny Bank | NJ, NY | Money Market | 1.15% | $15K min/ No max | Review |
| Citadel FCU | PA | High Yield Savings | 1.05% | $10k minimum to earn high rate | Review |
| Home Loan Investment Bank | RI, MA | Premier Savings | 1.05% | $50k minimum to earn high rate | Review |
American Express Personal Savings Account - You earn 1.00% interest rate along with no minimum deposits or monthly fees. Amex Personal Savings has been my favorite Hub account for the past 5 years. Using this account to Pull/Push your money is absolutely necessary when you have many accounts. 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. |
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Savings account offers are frequently updated. Find the best nationwide Savings/Money Market rates here, and the best Savings account bonuses here. The Comenity Direct Savings and HSBC Direct Savings accounts offer great rates available nationwide which I recommend. |
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| PROMOTIONAL LINK | RATE | REVIEW |
| Huntington Bank Relationship Money Market Account | 1.25% APY | Review |
| CIT Bank Money Market | 1.00% APY | Review |
| CIT Bank Savings Builder | 0.95% APY | Review |
| UFB Direct High Yield Savings | 1.00% APY | Review |
| Simple | 1.00% APY | Review |
| Discover Bank Online Savings | 1.01% APY | Review |
| American Express High Yield Savings | 1.00% APY | Review |
Marcus By Goldman Sachs – Effective today, the rate on our Marcus high-yield Online Savings Account has been adjusted to 1.05% from 1.30% APY.
Time to shop for Rates
First Foundation is now 1.45% APY.
Greg
Hsbc has gone from 1.85% to 1.70% as of 03/20/2020
Best rate as of today at Fitness Bank is 2.1%, not 2.2%.
The very best is Ford Interest Advantage………………….but not insured, but went thru the 2007-2009 recession without a scratch. They offer it a checking, can be linked at your broker but 5 business day hold after deposit. This quick……..apply Wednesday and transfer on Friday after entering test deposits, Monday the money is there. But you must download a signature card and get it notorized and then wait to request checks. I earn top notch interest on my dividends as they come in and transfer large cash in from the broker in between trades……….but the 5 day hold gets in the way…..maybe. Currently 2.65% and 2.69% apr. ………..No restrictions on withdraws other than the 5 day hold…………….paychecks/government check do not get held
Agreed!
I use your site now regularly. Thanks for developing the best and most updated MM account list online. So now…. I can give back a little now… Pentagon Federal now has a Premium Online Savings at 2%.
https://www.penfed.org/accounts/premium-online-savings
Thanks for your good work.
Union Bank has 18mo to 23 mo CD $10,000 min @ 2.90% APY
18 – 23 Month CD*
Account Balance Rate APY%
$10,000 – 24,999.99 2.86 2.90
$25,000 – 49,999.99 2.86 2.90
$50,000 – 99,999.99 2.86 2.90