Best Bank Rates & Savings Accounts For July 23, 2019

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.

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.

Discover Bank Online Savings $150/$200 Bonus

Discover Online Savings Account offers $200 or $150 bonus along with 2.05% APY rate. This account is available online, nationwide.

• Earn up to a $200 bonus along with high interest rate of 2.05% APY!
• You must apply through HustlerMoneyBlog.com with promo code HMB719 by 8/5/2019.
• Fund your first savings account with a minimum of $25K by 8/19/2019 to earn the $200 bonus.
• Fund your first savings account with a minimum of $15K by 8/19/2019 to earn the $150 bonus.
• No minimum opening deposit, no minimum balance requirement, and no monthly fees.
• FDIC insurance up to $250,000.

(See advertiser website for full details)

Simple Protected Goals Accounts up to $500 Bonus with qualifying activities

Earn up to $500 bonus and a great rate of 2.02% APY. This account is available online, nationwide.

• How to earn a $250 bonus for each new Protected Goals Account ($250 for Individual and $250 for Shared):
  • Open a new Protected Goals Account by 7/31/19 4:59PM PT.
  • Deposit(s) totaling $10,000 or more must post to the new Protected Goals Account by 8/15/19 4:59PM PT.
  • Maintain a balance of at least $10,000 in the new Protected Goals Account through 10/31/19 4:59 PM PT.

(Expires 7/31/2019)

UFB Direct High Yield Savings 2.45% APY

Axos Bank UFB High Yield Savings

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 2.45% APY for balances of $10,000 or more.
• The UFB High Yield Savings Account offers up to 2.45% 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)

CIT Bank Savings Builder 2.30% APY

• Earn 2.30% 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.
• CIT Bank Savings Builder Review

(FDIC Insured)

CIBC Agility^TM Online Savings 2.39% APY

• Earn a high 2.39% APY rate on your account.
• No monthly account maintenance fees.
• Get 24/7 access to your account with CIBC NetBanking or the CIBC US Mobile Banking App.

FNBO Direct Online Savings 2.20% APY

• Open an account with as little as $1.
• No monthly fees.
• No minimum balance.
• Use Popmoney® to conveniently and securely send and receive money with your FNBO Direct accounts.

Synchrony Bank High Yield Savings 2.25% APY

• 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.
• Synchrony Bank High-Yield Savings Review

(FDIC Insured)

Barclays Online Savings 2.10% APY

• Earn 2.10% 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.
• Barclays Online Savings Review

(FDIC Insured)

American Express High Yield Savings 2.10% APY

• 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.
• No monthly fees, no minimum balance.
• 24/7 Account Access.
• American Express High Yield Savings Review

(FDIC Insured)

Capital One Money Market 2.00% APY

• Earn 2.00% APY with $10,000 minimum deposit.
• No monthly fees to open or keep your account.
• Member FDIC.

Discover Money Market Up to 1.95% APY

• With a Discover Money Market account, earn high yields with flexible access to your cash.
• Earn 1.95% APY balances $100,000 and over.
• Earn 1.90% APY balances under $100,000.
• Available nationwide online.
• 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.
• Discover Bank Money Market Review

(FDIC Insured)

BBVA Compass ClearChoice Money Market 2.00% APY

• Earn 2.00% 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.
• BBVA Compass ClearChoice Money Market Review

(FDIC Insured)

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

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.

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.