Find which banks have the best Savings account and Money Market Account rates here.
Savings accounts and money markets interest rates change constantly, almost daily! We will do our best to update them as often as we can. 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.
Update 9/19/25: Look no further to find the MOST updated bank rates list available on the web!
Best Bank & Savings Account Rates
Valley Direct Online Savings 4.10% APY
Earn 3.50% APY (4.10% APY for new customers).- Just $1 minimum deposit to open
- No maintenance fees
- Interest is compounded daily and credited monthly
- U.S. based customer service team
- FDIC insured
(FDIC Insured)
Advantage Direct Savings by FVCbank 4.00% APY
Earn 4.00% APY- Minimum deposit of $500.00 to open and earn stated APY.
- Reliable access to your money
- Fast and simple transfers
- Advantage Direct Savings, is a financial service of FVCbank.
(FDIC Insured)
Valley Bank High Yield Savings 3.90% APY + $1500 Bonus
24/7 online access to funds.- No fees from Raisin. $1 minimum deposit.
- Earn 3.90% APY
(FDIC Insured)
Mission Valley Bank High Yield Savings 3.86% APY + $1500 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Mission Valley Bank actively supports many non-profit organizations – making a difference throughout the communities they serve.
- Earn 3.86% APY
(FDIC Insured)
Harborstone Credit Union Money Market 3.85% APY + $1500 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Supports local organizations focused on financial literacy, community safety, and more.
- Earn 3.85% APY
(NCUA Insured)
Western Alliance Bank High-Yield Savings 3.80% APY + $1500 Bonus
- FDIC insured
- Excellent rates with NO fees from Raisin.
- $1 minimum deposit. 24/7 online access.
- Earn 3.80% APY
(FDIC Insured)
Live Oak Bank Savings 3.80% APY
Earn a competitive rate with the Live Oak Bank Savings account.
- Earn 3.80% APY on your funds with a Live Oak Bank Savings account.
- FDIC Insurance Up to Maximum Allowed by Law
- No Monthly Maintenance Fees
- Interest Compounded Daily
- Access Your Account Anytime with our Mobile App
(FDIC Insured)
mph.bank Money Market 3.76% APY + $1500 Bonus
Receive a competitive rate with the ability to withdraw or add funds whenever you like with mph.bank Money Market deposit account. Flexibility to withdraw as much as you want, whenever you want; there are no restrictions.
Earn 3.76% APY high-yield MMDA- Deposits are FDIC insured through Liberty Savings Bank.
- No fees. $1 minimum deposit.
- 24/7 online access to funds.
(FDIC Insured)
E*TRADE Premium Savings $2000 Bonus + 3.75% APY
Blue Federal Credit Union Money Market 3.75% APY + $1500 Bonus
Federally insured by NCUA. No fees. $1 minimum to open.- 24/7 online access to funds.
- Earn 3.75% APY
(NCUA Insured)
CIT Bank Platinum Savings 3.75% APY
- Earn 3.75% APY on n balances of $5,000 or more.
- Competitive rates
- Secure. Your CIT Bank account is FDIC insured, which means it’s secure.
- Digital convenience. CIT Bank’s mobile app makes it easy to manage your account.
- No monthly service fees. No account opening or monthly services fees, so you can keep what you earn.
(FDIC Insured)
- Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of day account balance. *APYs — Annual Percentage Yields are accurate as of November 20, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of December 15, 2025.
- For complete list of account details and fees, see our Personal Account disclosures.
CIT Bank Savings Connect 3.65% APY
One of the best Savings account to keep as a Hub account. They have fast ACH speed typically 1 day with up to $2M transfer limit per day. You have all the benefits with CIT Savings Connect while earning a competitive rate on all balances.
- Earn 3.65% 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.
- Deposit checks remotely and make transfers easily with the CIT Bank mobile app
- No monthly service fees.
(FDIC Insured)
- APY — Annual Percentage Yield is accurate as of November 20, 2025. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
- Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of November 20, 2025.
- For complete list of account details and fees, see our Personal Account disclosures.
Customers Bank High Yield Savings 3.64% APY + $1500 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Gives back to schools and organizations in their local communities.
- Earn 3.64% APY
(FDIC Insured)
Quontic Bank High Yield Savings 3.50% APY
Earn a competitive rate with the Quontic Bank High Yield Savings account.
- Earn 3.50% APY on your funds with a Quontic Bank High Yield Savings account.
- Quick and easy access to funds
- No Hidden or Monthly Service Fees
- Manage Your Account Online or with the Quontic Mobile App
- Digitally Driven, Bank Secured, FDIC Insured
(FDIC Insured)
Paprika Capital Bank High Yield Savings 3.45% APY + $1500 Bonus
- FDIC insured. No fees. $1 minimum deposit.
- Gives back to organizations who are a force for good.
- Earn 3.45% APY
(FDIC Insured)
HealthcareBank Money Market 3.40% APY + $1500 Bonus
- A division of Bell Bank, Member FDIC
- No fees from Raisin. $1 minimum deposit.
- One of the top 10 HSA custodians in the U.S.
- New money market deposit account customers earn boosted APY for 60 days.
- Earn 3.40% APY
(FDIC Insured)
SoFi Checking & Savings $325 Bonus + 3.30% APY
Set up direct deposit into a SoFi Checking and Savings account to earn $325 bonus and 3.30% APY on your money. Plus, pay no account or overdraft fees, get 2-day-early-paycheck, and more.
- What you’ll get: $325 Bonus + 3.30% APY
- Which account: SoFi Checking & Savings
- Where it’s available: Online nationwide
- How to earn it:
- In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(Visit SoFi to learn more)
Believe Savings 3.55% APY + 0.10% APY to Charity
No Monthly Fees- $100 Minimum Deposit
- Member FDIC Insured
- Earn 3.55% APY + 0.10% APY to Charity
(FDIC Insured)
Laurel Road High Yield Savings $200 Bonus + 3.50% APY
Earn up to a $200 bonus with a Laurel Road High Yield Savings account.
How to earn it:
- Open a High Yield Savings account
- Deposit at least $1 in the first 20 days of account open
- Have at least $5,000 in your account by day 90 after open
- Bonus tiers:
- $50 bonus – Deposit total between $5,000–$14,999.99
- $100 bonus – Deposit total between $15,000–$29,999.99
- $200 bonus – Deposit total more than $30,000+
- Terms:
- Must deposit a minimum of $1 within the first 20 days and must have the relevant tiered account balance on the 90th day.
- Referred cannot be an existing or prior Laurel Road member in the last twelve (12) months.
- Referrer and Referred must be U.S. citizen(s) and/or permanent resident(s).
(FDIC Insured)
Grand Bank Money Market 3.39% APY + $1500 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Family-owned bank that prioritizes customer relationships.
- Earn 3.39% APY
(FDIC Insured)
Capital One 360 Performance Savings 3.30% APY
RBMAX High Yield Savings 3.15% APY + $1500 Bonus
FDIC insured. No fees. $1 minimum deposit.- 24/7 online access to funds.
- Combines the benefits of big banks with the commitment to enhance local communities.
- Earn 3.15% APY
(FDIC Insured)
Upgrade Premier Savings 3.05% APY
Exceptional 3.05% APY on balances of $1000 or more- No monthly account fees or transfer fees
- Secure, 24/7 mobile access to your account
(FDIC Insured)
Chime Checking $100 Bonus + 2.00% APY
To earn the $100 bonus, open a Chime account and make a direct deposit of $200 or more within 45 days of opening your account. Then earn 2.00% APY on all balances.
- Fee-free overdraft up to $200 for eligible members
- Get paid up to 2 days early with direct depositˆ
- No monthly fees
- Grow your savings automatically
- Signing up takes 2 minutes!
(Limited time offer)
Best Hub Bank Account
Nice interest earning a high, competitive rate account with no monthly fees, no minimum balances, and no minimum deposits.
- High dollar limitations for ACH transfers – When pushing money from CIT Bank to an external account, your daily limit can be as high as $250K per day. When pulling money from an external account, your daily limit is $500K per day.
- 1 business day ACH transfers speed – The standard transfer speed from CIT Bank to an external bank account is 1 business day. However, you can request a 1 day transfer when initiate an ACH transfer before 7:30 pm ET, Monday through Friday, and your funds will be available the next business day.
- Unlimited External Linked Accounts – You can add unlimited external linked accounts for ACH transfers. This is very helpful for those who are constantly moving money around for the highest interest rate.
Opening a CIT Bank Savings Connect is a soft pull and only $100 minimum.
(FDIC-Insured)
Best Bank Account Rates – Nationwide
| Bank | Account Type | APY | Minimum/Maximum | Review |
|---|---|---|---|---|
| Pibank | Savings (app only) | 4.60% | No min/No max | Review |
| GO2bank | High-Yield Savings | 4.50% | No min/No max | Review |
| Fitness Bank | Savings Account | 4.45% | $100 min/$250K max | Review |
| EagleBank | High Yield Savings | 4.40% | No min/$500K max | Review |
| Zynlo Bank | Money Market | 4.40% | No min/$250K max | Review |
| b1BANK | High Yield Savings | 4.35% | No min/No max | Review |
| Brilliant Bank | Money Market Account | 4.35% | $1K min/$500K max | Review |
| My eBanc | SuperSaver Money Market | 4.35% | $100K min/No max | Review |
| Newtek Bank | High Yield Savings | 4.35% | No min/No max | Review |
| Peak Bank | Envision Savings | 4.35% | No min/No max | Review |
| Vio Bank | Money Market Account | 4.31% | No min/No Max | Review |
| AlumniFi Credit Union | Savings | 4.30% | No min/No max | Review |
| BrioDirect | Savings | 4.30% | $25 min/No max | Review |
| EverBank | Savings | 4.30% | $25 min/No max | Review |
| TotalDirectBank | Direct Money Market | 4.26% | $2.5K min/$500K max | Review |
| CFG Bank | Market Market Account | 4.25% | $1K min/No max | Review |
| Forbright Bank | Savings | 4.25% | No min/No max | Review |
| First Foundation Bank | Online Savings | 4.25% | No min/No max | Review |
| First Foundation Bank | Online Money Market | 4.25% | No min/No max | Review |
| Ivy Bank | High-Yield Savings | 4.25% | $2.5K min/$1M max | Review |
| Poppy Bank | Premier Online Savings | 4.25% | $1K min/No max | Review |
| Openbank | High Yield Savings | 4.20% | $500 min/No max | Review |
| Primis Bank | Savings | 4.20% | $1 min/No max | Review |
| Rising Bank | High Yield Savings | 4.20% | $1K min/$1M max | Review |
| State Bank of Texas | Jumbo Money Market Account | 4.18% | $100K min/No max | Review |
| Colorado Federal Savings Bank | Premier Savings | 4.15% | $50K min/No max | Review |
| RBMAX | Max Interest Savings | 4.15% | No min/$250K max | Review |
| TAB Bank | High Yield Savings | 4.15% | $1 min/No max | Review |
| Barclays | Tiered Savings | 4.10% | No min/No max | Review |
| Colorado Federal Savings Bank | High Yield Savings | 4.10% | $1 min/No max | Review |
| HUSTL | Money Market | 4.10% | No min/No max | Review |
| Popular Direct | High-Rise Savings | 4.10% | $5K min/No max | Review |
| SFGI Direct | Online Savings | 4.08% | $1 min/No max | Review |
| MututalOne Bank | Mo Premium Savings | 4.07% | $20K min/No max | Review |
| Jenius Bank | Savings | 4.05% | No min/No max | Review |
| Bask Bank | Interest Savings | 4.05% | No min/No max | Review |
| Prime Alliance Bank | Personal Savings | 4.05% | No min/No max | Review |
| Prime Alliance Bank | Personal Money Market | 4.05% | No min/No max | Review |
| Primis Bank | Premium Checking | 4.05% | $1 min/No max | Review |
| CIBC | Savings | 4.02% | $1 min/$1M max | Review |
| MyBankingDirect | High Yield Savings | 4.02% | $1 min/No max | Review |
| Salem Five Direct | eOne Savings | 4.01% | No min/$1M max | Review |
| Advantage Direct Savings by FVCbank | Savings | 4.00% | $500 min/No max | Review |
| Valley Direct | Online Savings | 4.00% | No min/No max | Review |
| Bread Financial | High Yield Savings | 4.00% | No min/$1M max | Review |
| EverBank | Money Market | 4.00% | $500/No max | Review |
| Fierce Finance | Cash Account | 4.00% | No min/No max | Review |
| Merchants Bank | Money Market Savings Account | 4.00% | No min/No max | Review |
| NASB | Savings | 4.00% | No min/$1.5M max | Review |
| Wealthfront | Cash | 4.00% | No min/No max | Review |
| BankPurely | PurelyMoneyMarket | 3.95% | $25K min/No max | Review |
| iGObanking | Online Money Market | 3.95% | $25K min/No max | Review |
| PNC Bank | High Yield Savings | 3.95% | No min/No max | Review |
| Republic Bank | Digital Money Market | 3.91% | $2500 min/No max | Review |
| Valley Bank | High Yield Savings | 3.90% | $1 min/No max | Review |
| iGObanking | iGOindexmoneymarket | 3.90% | $25K min/No max | Review |
| Langley Federal Credit Union | Money Market Account | 3.90% | $1M min/No max | Review |
| My eBAnC | eRelationship Savings | 3.90% | $100K min/No max | Review |
| Sallie Mae Bank | High Yield Savings | 3.90% | No min/No max | Review |
| Smarty Pig | High Yield Savings | 3.90% | No min/No max | Review |
| Mission Valley Bank | High Yield Savings | 3.86% | $1 min/No max | Review |
| Harborstone Credit Union | Market Market Account | 3.85% | $1K min/No max | Review |
| Affirm | Online Savings | 3.85% | No min/No max | Review |
| All America Bank | Mega Money Market | 3.85% | No min/$100K max | Review |
| ConnectOne Bank | Online Savings | 3.85% | $2.5K min/No max | Review |
| Redneck Bank | Mega Money Market | 3.85% | No min/$100K max | Review |
| Sallie Mae Bank | Money Market | 3.85% | No min/No max | Review |
| Elevault *iOS only* | Mobile Banking | 3.82% | No min/$50K max | Review |
| Western Alliance Bank | High-Yield Savings | 3.80% | $0.01 min/No max | Review |
| Live Oak Bank | Savings | 3.80% | No min/No max | Review |
| CNB Bank Direct | High Yield Savings | 3.80% | $1 min/No max | Review |
| CNB Bank Direct | Premium Money Market | 3.80% | $25K min/$2M max | Review |
| Paypal | Savings | 3.80% | No min/No max | Review |
| Synchrony Bank | High Yield Savings | 3.80% | No min/No max | Review |
| mph.bank | Money Market | 3.76% | $1 min/No max | Review |
| Climate First Bank | Choice Money Market | 3.76% | $50k min/No max | Review |
| CIT Bank | Platinum Savings | 3.75% | No min/No Max | Review |
| Blue Federal Credit Union | Money Market Deposit | 3.75% | No min/No max | Review |
| E*Trade | Premium Savings | 3.75% | No min/No max | Review |
| Dollar Savings Direct | Savings Account | 3.75% | No min/No Max | Review |
| Morgan Stanley | Preferred Savings | 3.75% | $1K min/No max | Review |
| MySavingsDirect | MySavings | 3.75% | No min/No max | Review |
| Northern Bank Direct | Money Market Premier | 3.75% | No min/$250K max | Review |
| Quorum Federal Credit Union | HighQ Savings | 3.75% | No min/No max | Review |
| VirtualBank | eMoney Market | 3.75% | No min/No max | Review |
| Western State Bank | High Yield Money Market | 3.75% | No min/No max | Review |
| Barclays | Online Savings Account | 3.70% | No min/No max | Review |
| Merrill | Preferred Deposit | 3.67% | $100K min/No max | Review |
| Lafayette Federal Credit Union | Premier Savings | 3.66% | $20K min/No max | Review |
| CIT Bank | Savings Connect | 3.65% | No min/No max | Review |
| Marcus by Goldman Sachs | Online Savings | 3.65% | No min/$3M max | Review |
| USALLIANCE | High Dividend Savings | 3.65% | No min/No max | Review |
| Customers Bank | High Yield Savings | 3.64% | $1 min/No max | Review |
| Believe Savings | Savings | 3.55% | No min/No max | Review |
| Quontic Bank | High Yield Savings | 3.50% | No min/No max | Review |
| Ally Bank | Money Market | 3.50% | No min/No max | Review |
| American Express® | High Yield Savings account | 3.50% | No min/$5M max | Review |
| Citizens Access | Online Savings | 3.50% | No min/No max | Review |
| EmigrantDirect | Savings Account | 3.50% | No min/No Max | Review |
| Empower | Cash Account | 3.50% | No min/No max | Review |
| Laurel Road ($200 bonus) | High Yield Savings | 3.50% | No min/$2M max | Review |
| Paprika Capital Bank | High Yield Savings | 3.45% | $1 min/No max | Review |
| HealthcareBank | Money Market Account | 3.40% | $1 min/No max | Review |
| Discover Bank | Online Savings | 3.40% | No min/No max | Review |
| Affinity Plus Federal Credit Union | Superior MMA | 3.40% | No min/$25K max | Review |
| Citi | Citi® Accelerate Savings | 3.40% | No min/No max | Review |
| Jovia Financial Credit Union | Online Savings | 3.40% | $4.95 min/No max | Review |
| Grand Bank | Money Market | 3.39% | $1 min/No max | Review |
| CFBank | Money Market Account | 3.39% | $25K min/No max | Review |
| Capital One 360 | Performance Savings | 3.30% | No min/No Max | Review |
| SoFi ($325 bonus) | Savings Account | 3.30% | No min/No max | Review |
| Ally Bank | Online Savings | 3.30% | No min/No max | Review |
| Betterment | Cash Reserve | 3.25% | No Min/No max | Review |
| BMO Bank | Online Savings | 3.25% | No min/No max | Review |
| FNBO Direct | Online Savings | 3.25% | $1 min /$1M max | Review |
| Robinhood | Cash Sweep | 3.25% | No min/No max | Review |
| LendingClub | High-Yield Savings | 3.20% | No min/No max | Review |
| RBMAX | High Yield Savings | 3.15% | $1 min/No max | Review |
| Credit Karma | High Yield Savings account | 3.10% | No min/No max | Review |
| Upgrade | Premier Savings | 3.05% | $1K min/No max | Review |
| Third Federal | Online Savings Plus | 3.00% | $5K min/No max | Review |
| Chime ($100 bonus) | Savings Account | 2.00% | No min/No max | Review |
| State Exchange Bank | High Yield Savings | 1.90% | $1 min/No max | Review |
Best Business Savings Rates – Nationwide
| Bank | Account Type | APY | Minimum/Maximum | Review |
|---|---|---|---|---|
| Piermont Bank | High-Yield Business Money Market | 3.25% | $20K min/No max | Review |
| Mercury | Mercury Treasury | 4.26% | No min/No max | Review |
| Prime Alliance Bank | Business Savings | 4.00% | $200K Min/No max | Review |
| Capital One | Business Savings | 3.70% | $10K min/$5M max | Review |
| Bluevine | Premier Business Checking | 3.50% | No Min/$3M max | Review |
| Newtek Bank | Business Savings | 3.50% | No min/No max | Review |
| Seattle Bank | Private Concierge Business Savings | 3.40% | No min/$999,999 max | Review |
| American Heritage Credit Union | High Yield Business Savings | 3.25% | $10K min/No max | Review |
| Heritage Bank | Business Jumbo Deposit | 3.02% | $230k min/No max | Review |
| Lili Banking | Business Banking | 3.00% | No min/No max | Review |
| First Internet Bank | Business Money Market Savings | 2.94% | No Min/$5M max | Review |
| Live Oak Bank | Business Savings Account | 2.85% | $200K min/No max | Review |
| NBKC Bank | Business Money Market | 2.75% | No min/No max | Review |
| LendingClub Banking | Business Savings | 2.00% | No min/No max | Review |
| Grasshopper Bank | Business Checking | 1.80% + 1% Cash Back | No min/No max | Review |
| Bluevine | Business Checking | 1.50% | No min/$100K max | Review |
| Greenwood Credit Union | Business Money Market | 1.50% | $250K min/No max | Review |
| American Express (30K Bonus Points) | Business Checking | 1.30% | No min/ $500K max | Review |
| Paramount Bank | Business Money Market | 1.25% | No min/No max | Review |
| Premier America Credit Union | Business Money Market | 1.10% | No min/No max | Review |
| Axos Bank ($200 Bonus) | Business Interest Checking | 1.01% | No min/ $49,999.99 max | Review |
| LendingClub | Business Tailored Checking | 1.00% | No min/No max | Review |
| Signature Federal Credit Union | Business Money Market | 1.00% | No min/No max | Review |
While American Express is an advertising partner of HustlerMoneyBlog, the opinions and beliefs in this article are those of the author alone, who makes every effort to ensure the accuracy of the information.
