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You are here: Home / Bank Rates / Best Bank Rates & Savings Accounts – July 2025

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  2. J. R. Hahn says

    State Exchange Bank (via RAISIN SaveBetter platform) in Oklahoma offers a 5.05% High-Yield Savings Account. Pretty good! Hustler Money Blog is the best!

  3. Henry C. says

    Anthony, Thanks for all the work you do keeping this list updated. One note, now that there are so many banks offered through Raisin, could you mark each one that is available through Raisin. Following the name with “- Raisin” or at least a (R) or * or some other cymbal to indicate the affiliation, would be extremely helpful. Thank you.

  4. Hemanth Basavaraju says

    Please remove Ivy Bank from your list above as they are no longer offering the Indexed savings account at 5.8%. The best they have is a high yield savings account at 4.8%. It is highly confusing & misleading that when you click on the link, it takes you to their website that shows 5.8% but nowhere tells that you that it is not offered. If you click apply at the top, you will NOT be opening this type of account.

  5. Robert Hendrix says

    Rockford Community Bank (a Wintrust Bank) in Rockford Illinois is offering 5% on a $200 minimum savings account. The rate is guaranteed to 1 year.

  9. Haseeb Comenity Bank says

    The top rate you can presently acquire from a broadly accessible investment account is 0.70% yearly rate yield (APY), presented by Sallie Mae’s Smarty Pig account. That is in excess of multiple times the FDIC’s public normal for investment accounts of 0.06% APY, and it’s only one of the top rates you can find in our rankings below.1 Culled from our week after week rate research on in excess of 200 banks and credit associations that offer cross country bank accounts, even the 10th best rate on the rundown pays 0.55% APY

  11. Joseph says

    And who is going to do that? I would take a professional with complete determination, keeping a website up-to-date all the time.

    Professionals like this don’t ‘do’ websites.

  12. T Hill says

    It would be helpful if your rates were updated more often. CF Bank hasn’t been 0.75 for over a month. It was 0.70 until recently and is now 0.60.
    Gold Coast Bank only accepts new accounts for IL residents only.
    Neighbors Bank has not accepted any new accounts for several months.

  15. Nodo says

    MHB writers: The matrix/database would be SO much more useful if you could include some extra columns. I suggest the following:
    – (#) monthly debit card/POS transactions req’d
    – ($) monthly DD req’d
    – ($) monthly service charge
    – ($) Avg/Min Daily Bal req’d to avoid svc chg

  16. Greg Jay says

    On September 4th I received this email from Varo:

    Starting September 15, 2020, our 1.20% interest rate will decrease to 0.81%, with a 0.81% Annual Percentage Yield (APY).

  17. Greg Jay says

    Yesterday (8/19/2020) you listed Sun Trust bank as having a money market account yielding 1.50% APY. Based on that I opened an account with them. This morning they told me they offer 0.01% only. Needless to say I closed the account immediately. It took me 5 minutes to open the account but 2 hours waiting on the phone to confirm their actual interest rate.

  18. Gary says

    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

  23. ted says

    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

  25. Gary says

    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

  26. may says

    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.

  27. Paul Maliszewski says

    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.

  28. rahul says

    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

  32. Hank says

    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.

  33. Wang Harrington says

    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.

  35. SA says

    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?

  39. Tom A. says

    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).

  40. Alex Trodder says

    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.

  42. john@aol.com says

    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.

  44. Ken says

    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?

  45. Brea says

    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.

  46. Anthony Nguyen says

    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.

  48. jourdan graham says

    Hey can anyone give me the Minimum balance, fees, dividends, rates, APY APR for BBT money market account School project

  52. Jennifer says

    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

  53. Gordon says

    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.

  55. El-Ajedrecista says

    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.

  56. Average_Joe says

    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.

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