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!
See many popular bank promotions to earn cash bonus from HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank or CIT Bank.
Contents
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. -FDIC Insured |
 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 -FDIC insured |
 | 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 -FDIC insured |
 | 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 -FDIC insured |
Best Bank Account Rates – Nationwide
| Bank | Account Type | APY | Minimum/Maximum | Inquiry | Review |
|---|---|---|---|---|---|
| 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.
| Bank | State(s) | Account Type | APY | Terms | Review |
|---|---|---|---|---|---|
| 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 |
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
Applied for HSCB 2.01% several weeks ago and they still haven’t opened the account. Application process is very long and must verify income, address, identity, etc. for verification. After sending them documents, I still haven’t heard back from them.
i agree, hsbc 2.1% process is too long to stand. i applied it on 9/18 and after a lot phone calls, finally got it yesterday. a full 14 days.
I got an alert from Northern Bank Direct:
Please be advised that the promotional Money Market APY of 2.26% will no longer be available for new accounts opened on or after 9:00 AM Eastern Standard Time on 6/20/18
Salem Five Direct offers 1.85% Savings rate for balances $.01 to $1,000,000.
https://www.salemfivedirect.com/
Now 1.60%
Extremely happy with Dollar Savings Direct thus far. Started at 1.4% a couple months ago, recently raised to 1.5%. I suspect as Federal Reserve continues raising rates over the next 12 months, so too will Dollar Savings Direct and all these other places.
It’s about time savers began to get some return on their money – but we have a long way to go. I recently came across a box of old financial records and in it were a couple CD purchase confirmations from Fidelity from August 1989 – both for 3 month CDs paying 8.3% and 8.35% APY…I may need to frame them.
I currently have a State Bank of Texas Jumbo Money Market that pays 1.55% APR with minimum $100,000 deposit. FDIC insured up to $250,000 for a single account holder.
I have it also and have been very happy with it.
You have written here it will be a HP for CIT bank. However, in your review on CIT bank it says SP. Please let me know is it a SP or HP?
Soft Pull
https://www.wafedbank.com/
1.35% 10 month CD
All America Bank is now only 1.25% APY
Please add TD Bank 1.25 APR for balances 25K+
There’s also a tool you can use at SiftSwift. com to find higher yielding accounts that match your criteria. It looks for the best options on the tradeoff curve between higher interest rate and liquidity (shorter duration).
I know that one of the keys to being financially stable is to put your money to work for you. You make a good point about how by using money market accounts you can secure more competitive interest rates for your savings. I’ll have to remember your list of rates when I open a money market account to make sure that I am getting an interest rate that is about 1% or more.
The Union Plus Prepaid Debit Card program is NOT accepting new accounts.
On July 15, 2015, all current Union Plus Prepaid Debit Card cardholders were sent communication from the program provider, Rev, informing them the program will terminate on September 15, 2015.
Ally is 1%, not 0.1% 😉
Thanks Ken.
Is it possible to park $100k in EverBank to get the 1.60% rate and then pull everything out after 6 months when the rate drops to 0.60%? Or do you need to keep the money in there for an entire year before pulling?
I’m surprised I’ve never seen you mention Consumer’s Credit Union. I live out of state and both my husband and I have accounts that earn interest of 5.09% on $20,000. We’ve been with them over a year and we love their online banking, and have nothing but good things to say about them. https://www.myconsumers.org/personal/checking/free-rewards-checking.html
I have written about it before. I don’t include them on this list because it’s a rewards checking which means you have to make 12+ purchases and spend $1000+ with their credit card to earn the high rate.
Actually you can earn 3.09% without a credit card, then if you do get a credit card you can get 4.09% with 12 CC transactions and 5.09% if you spend $1000/mo. Seems to me 12 transactions on your debit card, is in line with the other bank offers I’ve seen you post.
Hey can anyone give me the Minimum balance, fees, dividends, rates, APY APR for BBT money market account School project
Very very nice information for Savings & Money Market Accounts holder.
What about amex personal savings – .85%
Hello, love your site with tons of good info! Just thought I’d let you know that the savings rate at CIT Bank has gone down to .85% (unfortunately) and you still show it as 1.0%.
Regards,
Jennifer
CIT Bank is now at 1.05% as of 8/16/2015. I think BankRate shows it at 1.00%.
I highly recommend smartypig. I am able to make multiple accounts and direct deposit part of my paycheck there and create new accounts easily to segregate goals. Great rate too, can’t say much about the other banks though. I should look into getting a better rate if it’s available for no fee.
what is the best rate of IRA account today
Low interest rates is a punishment for people who save money. People who took huge loan and bought houses they could not afford are now taking a free ride by going foreclosed and not paying mortgage’s/rent worth years, while the people who lived within their means, cut corners and saved are being punished by not getting their moneys worth and paying the hidden tax of low interest rates, their savings are being systematically raped by low interest rates.
Unfortunately, you are collateral damage. The alternative to low interest rates would have been a deeper and longer recession with more unemployment and a greater drop in incomes. Saving is a vital part to any economy, because it spurs investment, (you can’t eat the dollars you save) but letting interest rates spike due to a monetary contraction caused by a banking crisis is the road to disaster. (1929 all over again) To my mind however, the zero risk securities were yielding a lot for many years during the great moderation. The two year note was paying five percent. In this environment you have to actually take on risk to get a nice yield. Many blue chips have a nice dividend with some reasonable chance for capital appreciation. If you are after fixed income, but with a higher yield (and more risk), try emerging market sovereign debt, or high yield corporate bonds (aka “junk bonds”)… There are tons of ETFs and mutual funds out there…. If you simply have a high aversion to risk, try to ride it out for a few years until economic conditions allow the FED to unwind its balance sheet and return to normal monetary policy. Furthermore, be thankful that this whole mess is temporary and there is light at the end of the tunnel. Japan suffered from deflation for years and has basically had to keep its policy rate at zero since 1990! Hopefully, we were be able to tighten monetary policy by late 2014 as the FED has already communicated.