| APY | BANK | UPDATED: 20-Oct-25 |
|---|---|---|
| 7.00% | OnPath CU High Yield Checking | On balances up to $10,000 with 15 debit card purchases, estatements, and one monthly login |
| 5.75% | Andrews Federal CU | On balances up to $1,000. then 0.05% |
| 5.50% | Andrews FCU Kasasa Cash | On balances up to $25,000 with 15+ debit card purchases, and at least one direct deposit or ACH, eStatements |
| 5.50% | Digital CU Savings | Interest on balances up to $1,000 |
| 5.04% | Sunward Power MMA | Interest on balances up to $2,500 |
| 5.01% | Pelican State CU | On balances up to $20,000 with 15+ debit card purchases, at least one direct deposit or ACH, eStatements, and one monthly login |
| 5.00% | Connexus Xtraordinary Checking | On balances up to $25,000 with 15 debit card purchases, $500 monthly direct deposit or ACH, and estatements |
| 5.00% | Signature FCU | On balances up to $25,000 with 15 debit card purchases, $500 direct deposit, and estatements |
| 4.60% | Pibank Savings | No fees, no minimum |
| 4.50% | AlumniFi Savings | Balances $100,000+ |
| 4.50% | Neighbors Bank | Currently not accepting new applications, signup to get notified |
| 4.50% | Presidental Advantage Savings | $5,000 minimum to open. Rate when you Maintain an Advantage Checking Account. |
| 4.50% | BANK | Comment |
| 4.46% | Climate First Bank | $50 to open |
| 4.40% | Hustl DCU MM | No monthly fees or minimums |
| 4.40% | TIMBR High Yield Savings | No fees |
| 4.40% | OnPath CU Elite MM | $25,000 minimum to earn interest |
| 4.36% | Raisin Custodial Accounts | 50+ insured accounts with rates as high as shown. |
| 4.35% | Newtek | No minimum, no fees |
| 4.34% | elevault | App based (iOS/Android) |
| 4.33% | OMB High Interest Savings | $5,000 minmum to open. No monthly maintenance fee |
| 4.26% | Total Bank MM | $25,000 to open. $2,500 minimum to earn APY. |
| 4.26% | Vio Bank Online Savings | $100 to open. No monthly fees |
| 4.25% | AlumniFi Savings | Balances $25,000-$100,000 |
| 4.25% | Ivy Bank HY Savings | $2,500 minimum opening balance (not available in CA) |
| 4.25% | Poppy Bank Online Savings | $1,000 to open. Interest on balances of $1,000 or more |
| 4.25% | Quontic Money Market | Minimum opening deposit: $100. No monthly fees |
| 4.25% | Zynlo Bank | No fees, no minimum |
| 4.25% | BANK | Comment |
| 4.22% | Brilliant Bank Surge MM | Except Arkansas, Kansas, Missouri, and Oklahoma |
| 4.20% | Bread Savings | $100 minimum opening deposit, no monthly fees. |
| 4.20% | BrioDirect HY Savings | No monthly maintenance fee |
| 4.20% | Jenius Bank Savings | No minimum balance or monthly account fees |
| 4.20% | Lending Club HY Savings | Requires $250 per month deposit, otherwise 3.40% |
| 4.20% | MyBanking Direct HY Savings | No monthly maintenance fee |
| 4.20% | Open Bank High Yield Savings | $100 minumum to open, no fees |
| 4.20% | Peak Bank Savings | New accounts. No fees, $100 to open |
| 4.18% | State Bank of Texas MM | New money. Minimum deposit $100,000 |
| 4.15% | Colorado Federal Premier | New Customer. $50,000+ |
| 4.15% | EagleBank HY Savings | $1000 to open |
| 4.10% | Colorado Federal HY Savings | Minimum balance: $1 |
| 4.10% | First Foundation MMDA | Minimum balance to open is $1,000 |
| 4.10% | First Foundation Savings | Minimum balance to open is $1,000 |
| 4.10% | Popular Direct Select Savings | $100 minimum deposit. |
| 4.10% | Rising Bank HY Savings | Minimum balance to earn interest $1,000 |
| 4.10% | Vio Bank Cornerstone MM | $100 to open. No monthly fees |
| 4.10% | Western Alliance | Open with $500 minimum deposit. No fees. |
| 4.08% | SFGI Direct Savings | $1 minimum to earn interest. no monthly fees |
| 4.07% | Mutual One Mo Premium | $20,000 minimum to open and earn interest |
| 4.05% | Vanguard Federal MM Fund | $3,000 minimum. For reference purposes |
| 4.05% | Bask Bank Interest Savings | No minimum balance or monthly account fees |
| 4.05% | CFG Bank HY MM | Low external ACH of $5K daily, $30K monthly |
| 4.05% | EverBank | No minimum, no fees |
| 4.05% | Prime Alliance Savings | No monthly fees or minimum balance requirement |
| 4.05% | Valley Direct | $1 to open. No maintenance fees NEW CUSTOMERS ONLY |
| 4.02% | Upgrade Premier Savings | $1,000 minimum to earn interest. |
| 4.00% | AlumniFi Savings | No minimum |
| 4.00% | Community Wide - Monthly | No Penalty Withdrawal 1st 5 days of month |
| 4.00% | Robinhood Gold | Brokerage account cash sweep. Gold is $5 per month. |
| 4.00% | Betterment | Only available to clients of Betterment LLC |
| 4.00% | ConnectOne Saving | $2.500 minimum to earn interest. |
| 4.00% | Forbright Bank Growth Savings | No minimum, no fees |
| 4.00% | Live Oak Online Savings | No maintenance fees |
| 4.00% | Merchants Bank MM | $50 minimum to open, no minimum to earn APY |
| 4.00% | Presidental Advantage Savings | $5,000 minimum to open. Rate without an Advantage Checking Account. |
| 4.00% | US Bank Elite MM | $25,000 minimum to earn interest, could be lower 3.75% in certain zip codes |
| 4.00% | Virtual Bank MM | |
| 4.00% | Wealthfront Cash | Cash swept into FDIC-insured banks |
| 4.00% | BANK | Comment |
| 3.95% | Bank Purely Money Market | Interest on balances of $25,000 or more |
| 3.92% | CIBC Agility Online Savings | Minimum $1,000 deposit |
| 3.90% | Sallie Mae Savings | No minimum balance or monthly fees |
| 3.90% | Smarty Pig | |
| 3.85% | All America Mega MM | Up to $100,000 |
| 3.85% | Primis Premium Saving | No monthly fees or minimum balance requirement |
| 3.85% | Redneck Bank Mega MM | Up to $100,000 |
| 3.85% | CIT Platinum Savings | $5,000 minimum to earn rate. |
| 3.85% | Sallie Mae Money Market | No minimum balance or monthly fees |
| 3.85% | Webull Cash Management | Cash swept into FDIC-insured banks |
| 3.81% | Salem Five Direct Savings | |
| 3.80% | Laurel Road HY Savings | No minimum balance or monthly fees |
| 3.80% | SoFi Savings | Requires Direct Deposit |
| 3.80% | Synchrony HY Savings | No minimum deposit, minimum balance, or fees |
| 3.80% | Tab Bank Save | No minimum or monthly service fees |
| 3.76% | Republic Bank Chicago | $2,500 to open. All states except IL, IN, MI, and WI. |
| 3.76% | UFB Savings | Offers new accounts without increasing rates on old ones |
| 3.75% | Western State Bank | $5,000 minimum to open. |
| 3.75% | E*Trade Premium Savings | $2,500 minimum opening balance |
| 3.75% | CIT Savings Connect | $100 minimum to open. No monthly service fees |
| 3.75% | Dollar Savings Direct | No Fees. No Minimums. |
| 3.75% | My Savings Direct | No Fees. No Minimums. |
| 3.75% | Quontic HY Savings | Minimum opening deposit: $100. No monthly fees |
| 3.75% | USAlliance Savings | $500 minimum balance (to earn dividends) |
| 3.75% | BANK | Comment |
| 3.70% | Primis Premium Checking | 40-pack of Primis checks available upon request. |
| 3.70% | Barclays Online Savings | No minimum to open. No monthly fees. |
| 3.68% | Bank Purely Index MM | Interest on balances of $25,000 or more |
| 3.68% | iGO MM | Minimum $25,000 to earn interest. |
| 3.65% | FNBO Online MM | $500,000+ |
| 3.65% | Marcus Online Savings | No fees, no minimum deposit. |
| 3.60% | Northern Bank Direct | Minimum of $5,000 to open |
| 3.55% | FNBO Online MM | $100,000 - $499,999.99 |
| 3.50% | Vanguard Cash Plus | Pilot program for current Vanguard clients ? |
| 3.50% | American Express | No minimum balance or monthly fees |
| 3.50% | EmigrantDirect Savings | No minimum balance or monthly fees |
| 3.50% | Empower Personal Cash | Deposit products by UMB Bank - Member FDIC. |
| 3.50% | Citizens Access Savings | $5,000 minimum deposit |
| 3.50% | Valley Direct | $1 to open. No maintenance fees |
| 3.50% | BANK | Comment |
| 3.45% | FNBO Online MM | $25,000 - $99,999.99 |
| 3.40% | Ally Money Market | No minimum balance or monthly fees |
| 3.40% | Ally Savings | No minimum balance or monthly fees |
| 3.40% | Capital One 360 | No minimum balance or monthly fees |
| 3.40% | Discover Online Savings | No minimum to open. No monthly fees. |
| 3.35% | FNBO Online MM | $0 -$24,999.99 |
| 3.10% | Alliant CU High-Rate Savings | $5 to open. $100 minimum to earn interest. |
| 3.00% | FNBO Online Savings | No minimum balance or monthly fees |
| 2.85% | Credit Karma Save | Banking partner: MVB Bank, Inc., Member FDIC |
| 2.70% | PenFed Premium Savings | $5 minimum to open, no fees. |
| APY | BANK | Comment |