HIGH YIELD ACCOUNTS
http://www.rejohnsonjr.com/SAVINGS.HTM
APY BANK UPDATED: 20-Oct-26
7.50% RIZE Checking Up to $10K Requirement: Use your debit card 5 times each month
6.75% Genisys Checking Up to $7,500. Requirement: Use your debit card >$5 10 times each month
6.17% Gateway Bank Kasasa Up to $25K with 12+ debit card purchases, one direct deposit or ACH, and eStatements.
6.00% OnPath CU High Yield Checking Up to $10K with 15+ debit card purchases, estatements, and one monthly login
5.25% Andrews FCU Kasasa Cash Up to $25K with 15+ debit card purchases, one direct deposit or ACH, and eStatements
5.10% Accordia Bank $100 Minimum Deposit Required. Was Limelight Bank. Special rate for Utah residents unti 1/31/2027
5.05% Sunward Power MMA Interest Up to $2,500
5.00% American Pride Bank Rewards Up to $100K with seven (7) ACH debits -OR- 12+ debit card purchases,
and one (1) direct deposit or ACH, and eStatements
5.00% Andrews FCU Mission Savings Up to $5,000. then 0.50%
5.00% Digital CU Savings Interest Up to $1,000
5.00% Leader HY Savings 1) Must make $1000+ direct deposit 2) Sign Up for eStatements 3) 3 Debit Transactions per month
5.00% Pelican CU Stack Checking Up to $30K with 15+ debit card purchases, one direct deposit or ACH, eStatements, and one monthly login
5.00% Signature FCU Up to $25K with 15 debit card purchases, $500 direct deposit, and estatements
4.50% M1 Finance Promo One-year APY Boost: 3.35% APY base + 1.15% boost = 4.50%
Must fund from external bank account with at least $10,000 within thirty (30) days
4.50% Connexus Xtraordinary
Checking 		Up to $25K with 15 debit card purchases or $500 total debit,
$500 monthly direct deposit or ACH and estatements
4.50% GO Bank High-Yield Savngs On balances up to $5,000
4.50% BANK Comment
4.45% Wealthfront Cash 3.55% base + 0.25% for monthly investment + 0.65% boost for 3 months up to $150,000
4.42% Pelican CU MM $200K+ 1 free withdrawal or transfer per month.
Charges a $50 fee for each additional withdrawal or transfer.
4.40% Pibank Savings No fees, no minimum
4.40% SoFi Savings Requires Direct Deposit. For new customers. Rate for 6 months and a $400 cash bonus for $5,000 deposit
4.35% Open Bank High Yield Savings $100 minumum to open, no fees. 6-month rate boost for new customers, then 4.00%
4.34% elevault App based (iOS/Android) - No computer access.
4.30% Bask Bank Interest
Savings Promo 		Promo rate +0.40% + $300 BONUS Average balance $10,000+ in savings
Monthly deposit $2,500+ in checking + $100 minimum checking balance.
4.27% Peak Bank Savings Rate for new accounts. No fees, $100 to open
4.25% Barclays AARP Savings Must be AARP member. $400 bonus on $40,000+ held for 120 days
4.25% E*Trade Premium Savings NEW CUSTOMERS 4.25% for 6 months and $400 bonus with $20,000+ deposit. $800 with $100,000+
4.25% VALORFI No monthly maintenance fee. No minimum balance required.
4.25% Betterment Only available to clients of Betterment LLC - APY boost of 0.75% until 2/15/2017
4.25% CIT Platinum Savings BOOST $5,000 minimum to earn rate. Promo code BOOST50 to receive a 0.50% APY bonus for 6 months
4.25% Neighbors Bank Currently not accepting new applications, signup to get notified
4.25% BANK Comment
4.24% InTouch CU $50 to open, no fees, nationwide with "Friends of the Foundation" membership
4.21% AXOS Bank Must maintain $1500+ balance, and deposit $1500+ monthly
4.20% Western State Bank $5,000 minimum to open.
4.20% EverBank No minimum, no fees
4.20% Happen Bank Requires $250 per month deposit (was Lending Club)
4.20% Newtek No minimum, no fees, applications paused due to high demand
4.20% Wealthfront Cash 3.55% base + 0.65% boost for 3 months up to $150,000
4.17% Total Bank MM $25,000 to open. $2,500 minimum to earn APY.
4.15% TIMBR High Yield Savings No fees
4.15% OnPath CU Elite MM $25,000 minimum to earn interest
4.15% CreditOne Jumbo Savings $100,000 minimum deposit required to open
4.15% Oloy Bank $1,000 minimum deposit required
4.10% Accordia Bank $100 Minimum Deposit Required. Was Limelight Bank
4.10% Always.bank Savings No fees, no minimum
4.10% Zynlo Bank Tomorrow Savings No fees, no minimum. Must also open checking account.
4.10% BANK Comment
4.05% 316 Financial No fees, no minimum
4.05% SFGI Direct Savings $1 minimum to earn interest. no monthly fees
4.05% Bread Savings $100 minimum opening deposit, no monthly fees.
4.05% CFG Bank HY MM Low external ACH of $5K daily, $30K monthly
4.05% Zynlo Bank Money Market No fees, no minimum
4.01% Climate First Bank $50 to open
4.01% UFB Savings Boost Offers new accounts without increasing rates on old ones. Higher rate for 6 months, then 3.26%
4.01% Vio Bank Online Savings $100 to open. No monthly fees
4.01% WSB Digital $10 to open, $250 minimum balance to avoid $3 monthly service charge
4.00% AlumniFi Savings Balances $100,000+
4.00% Roger Bank Zero Account Fees
4.00% Bank5 Connect MMA $100 Minimum Required to Earn Interest. No monthly maintenance fees
4.00% Brilliant Bank Surge MM Except Arkansas, Kansas, Missouri, and Oklahoma
4.00% EagleBank HY Savings $1000 to open
4.00% Ivy Bank HY Savings $2,500 minimum opening balance (not available in CA)
4.00% Live Oak Online Savings No maintenance fees. $300 bonus for $20,000 deposit for 90 days
4.00% Marcus 11-mo no-penalty CD 11-Month No-Penalty CD $500 minimum deposit
4.00% Open Bank High Yield Savings $100 minumum to open, no fees
4.00% Poppy Bank Online Savings $1,000 to open. Interest on balances of $1,000 or more
4.00% Sallie Mae High Yield Savings No minimum balance or monthly fees
4.00% Valley Direct NEW CUSTOMERS ONLY 12 Month Promotional rate
4.00% BANK Comment
3.95% Tab Bank Save No minimum or monthly service fees
3.90% Bask Bank Interest Savings No minimum balance or monthly account fees
3.90% Colorado Federal Premier New Customer. $50,000+
3.90% Popular Direct Select Savings $100 minimum deposit.
3.90% Prime Alliance Savings No monthly fees or minimum balance requirement
3.90% Quontic Money Market Minimum opening deposit: $100. No monthly fees
3.85% Primis Premium Saving No monthly fees or minimum balance requirement
3.85% Colorado Federal HY Savings Minimum balance: $1
3.85% Forbright Bank Savings No minimum, no fees. .30% boost for new customers until 12/21/2026
3.85% BANK Comment
3.83% OMB High Interest Savings $5,000 minmum to open. No monthly maintenance fee
3.82% Vanguard Federal MM Fund $3,000 minimum. For reference purposes
3.82% Mutual One Mo Premium $20,000 minimum to open and earn interest
3.80% Western Alliance Open with $500 minimum deposit. No fees.
3.76% State Bank of Texas MM New money. Minimum deposit $100,000
3.75% AlumniFi Savings Balances $25,000-$100,000
3.75% Merchants Bank MM $50 minimum to open, no minimum to earn APY
3.75% Hustl DCU MM No monthly fees or minimums
3.75% CIBC Agility Online Savings Minimum $1,000 deposit
3.75% E*Trade Premium Savings $2,500 minimum opening balance. Promo available: 4.25% for 6 months
3.75% BrioDirect HY Savings No monthly maintenance fee
3.75% CIT Platinum Savings $5,000 minimum to earn rate.
3.75% Presidental Advantage Savings $5,000 minimum to open. Rate when you maintain an Advantage Checking Account.
3.75% Rising Bank HY Savings Minimum balance to earn interest $1,000
3.75% BANK Comment
3.70% Primis Premium Checking 40-pack of free checks available upon request.
3.66% Salem Five Direct Savings $10 TO OPEN. NO MINIMUM BALANCE/MONTHLY FEES
3.65% Barclays Tiered Savings Rate for over $250,000
3.65% CIT Savings Connect $100 minimum to open. No monthly service fees
3.60% All America Mega MM Up to $100,000
3.60% Redneck Bank Mega MM Up to $100,000
3.60% Robinhood Gold
 Brokerage account cash sweep. Gold is $5 per month.
3.60% Sallie Mae Money Market No minimum balance or monthly fees
3.60% Webull Cash Management Cash swept into FDIC-insured banks
3.55% FNBO Online MM $500,000+
3.55% PayPal Savings No fees, no minimum deposit. Provided by Synchrony Bank
3.55% Synchrony HY Savings No minimum deposit, minimum balance, or fees
3.55% Wealthfront Cash Cash swept into FDIC-insured banks
3.51% Virtual Bank MM
3.50% AlumniFi Savings No minimum
3.50% Barclays Tiered Savings Rate for under $250,000
3.50% DR Bank Digital Savings No minimum balance
3.50% Betterment Only available to clients of Betterment LLC
3.50% Empower Personal Cash Deposit products by UMB Bank - Member FDIC.
3.50% Marcus Online Savings No fees, no minimum deposit.
3.50% Northern Bank Direct Minimum of $5,000 to open
3.50% BANK Comment
3.46% CNB Bank Direct $100.00 Minimum Opening Balance, No monthly service fees
3.45% FNBO Online MM $100,000 - $499,999.99
3.40% RB MAX Minimum of $10 to open, No minimum balance, No Monthly Fee
3.40% Smarty Pig
3.40% USAlliance Savings $500 minimum balance (to earn dividends)
3.40% Valley Direct $1 to open. No maintenance fees
3.40% Vio Bank Cornerstone MM $100 to open. No monthly fees
3.38% Pelican CU MM $100,000 - $199.999 1 free withdrawal or transfer per month.
Charges a $50 fee for each additional withdrawal or transfer.
3.35% Vanguard Cash Plus Pilot program for current Vanguard clients ?
3.35% Dollar Savings Direct No Fees. No Minimums.
3.35% FNBO Online MM $25,000 - $99,999.99
3.35% My Savings Direct No Fees. No Minimums.
3.30% Upgrade Premier Savings $1,000 minimum to earn interest.
3.26% UFB Savings Offers new accounts without increasing rates on old ones
3.25% BANK Comment
3.25% Community Wide - Monthly No Penalty Withdrawal 1st 5 days of month
3.25% FNBO Online MM $0 -$24,999.99
3.25% Presidental Advantage Savings $5,000 minimum to open. Rate without an Advantage Checking Account.
3.20% Barclays Online Savings No minimum to open. No monthly fees.
3.20% Quontic HY Savings Minimum opening deposit: $100. No monthly fees
3.10% Ally Money Market No minimum balance or monthly fees
3.10% Ally Savings No minimum balance or monthly fees
3.10% American Express No minimum balance or monthly fees
3.10% Capital One 360 No minimum balance or monthly fees
3.10% SoFi Savings Requires Direct Deposit
3.02% Republic Bank Chicago $2,500 to open. All states except IL, IN, MI, and WI.
3.01% Alliant CU High-Rate Savings $5 to open. $100 minimum to earn interest.
3.00% ConnectOne Saving $2.500 minimum to earn interest.
3.00% EmigrantDirect Savings No minimum balance or monthly fees
3.00% FNBO Online Savings No minimum balance or monthly fees
2.80% Citizens Access Savings $5,000 minimum deposit
2.70% PenFed Premium Savings $5 minimum to open, no fees.
2.60% Credit Karma Save Banking partner: MVB Bank, Inc., Member FDIC
2.36% Pelican CU MM $20,000 - $99.999 1 free withdrawal or transfer per month,
Charges a $50 fee for each additional withdrawal or transfer.
APY BANK Comment