APY BANK UPDATED: 24-Jan-26
6.00% OnPath CU High Yield Checking On balances up to $10,000 with 15 debit card purchases, estatements, and one monthly login
5.50% Andrews Federal CU On balances up to $1,000. then 0.05%
5.25% Andrews FCU Kasasa Cash On balances up to $25,000 with 15+ debit card purchases,
and at least one direct deposit or ACH, eStatements
5.04% Sunward Power MMA Interest on balances up to $2,500
5.00% Connexus Xtraordinary
Checking 		On balances up to $25,000 with 1) 15 debit card purchases or $500
total debit, 2) $500 monthly direct deposit or ACH, and 3) estatements
5.00% Digital CU Savings Interest on balances up to $1,000
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
4.40% OnPath CU Elite MM $25,000 minimum to earn interest
4.35% Newtek No minimum, no fees
4.31% AXOS Bank Must maintain $1500+ balance, and deposit $1500+ monthly
4.30% Neighbors Bank Currently not accepting new applications, signup to get notified
4.25% BANK Comment
4.21% Climate First Bank $50 to open
4.20% Open Bank High Yield Savings $100 minumum to open, no fees
4.15% TIMBR High Yield Savings No fees
4.11% 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
4.10% Hustl DCU MM No monthly fees or minimums
4.10% Quontic Money Market Minimum opening deposit: $100. No monthly fees
4.07% Mutual One Mo Premium $20,000 minimum to open and earn interest
4.05% Colorado Federal Premier New Customer. $50,000+
4.05% Jenius Bank Savings No minimum balance or monthly account fees
4.05% Raisin Custodial Accounts 50+ insured accounts with rates as high as shown.
4.02% MyBanking Direct HY Savings No monthly maintenance fee
4.02% Vio Bank Online Savings $100 to open. No monthly fees
4.01% Total Bank MM $25,000 to open. $2,500 minimum to earn APY.
4.00% AlumniFi Savings Balances $100,000+
4.00% Barclays Tiered Savings NEW CUSTOMERS ONLY, Rate for over $250,000 and $200 bonus for $30,000+ deposit
4.00% Bread Savings $100 minimum opening deposit, no monthly fees.
4.00% Brilliant Bank Surge MM Except Arkansas, Kansas, Missouri, and Oklahoma
4.00% Colorado Federal HY Savings Minimum balance: $1
4.00% Ivy Bank HY Savings $2,500 minimum opening balance (not available in CA)
4.00% Lending Club HY Savings Requires $250 per month deposit, otherwise 3.40%
4.00% SoFi Savings Requires Direct Deposit. For new customers. Rate for 6 months and a $300 cash bonus for $5,000 deposit
4.00% Valley Direct NEW CUSTOMERS ONLY 12 Month Promotional rate
4.00% BANK Comment
3.99% Peak Bank Savings New accounts. No fees, $100 to open
3.95% SFGI Direct Savings $1 minimum to earn interest. no monthly fees
3.90% EverBank No minimum, no fees
3.90% OMB High Interest Savings $5,000 minmum to open. No monthly maintenance fee
3.90% Popular Direct Select Savings $100 minimum deposit.
3.90% Sallie Mae High Yield Savings No minimum balance or monthly fees
3.88% Zynlo Bank No fees, no minimum
3.85% All America Mega MM Up to $100,000
3.85% Barclays Tiered Savings No minimum to open. No monthly fees.
3.85% Primis Premium Saving No monthly fees or minimum balance requirement
3.85% Redneck Bank Mega MM Up to $100,000
3.85% CFG Bank HY MM Low external ACH of $5K daily, $30K monthly
3.85% Forbright Bank Growth Savings No minimum, no fees
3.85% BANK Comment
3.82% elevault App based (iOS/Android)
3.80% Live Oak Online Savings No maintenance fees
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% Bask Bank Interest Savings No minimum balance or monthly account fees
3.75% BrioDirect HY Savings No monthly maintenance fee
3.75% CIT Platinum Savings $5,000 minimum to earn rate.
3.75% First Foundation MMDA Minimum balance to open is $1,000
3.75% First Foundation Savings Minimum balance to open is $1,000
3.75% Poppy Bank Online Savings $1,000 to open. Interest on balances of $1,000 or more
3.75% Presidental Advantage Savings $5,000 minimum to open. Rate when you Maintain an Advantage Checking Account.
3.75% Prime Alliance Savings No monthly fees or minimum balance requirement
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 Primis checks available upon request.
3.70% Bank Purely Money Market Interest on balances of $25,000 or more
3.70% EagleBank HY Savings $1000 to open
3.70% Vio Bank Cornerstone MM $100 to open. No monthly fees
3.66% CIBC Agility Online Savings Minimum $1,000 deposit
3.65% CIT Savings Connect $100 minimum to open. No monthly service fees
3.65% Marcus Online Savings No fees, no minimum deposit.
3.65% Sallie Mae Money Market No minimum balance or monthly fees
3.65% Smarty Pig
3.65% Synchrony HY Savings No minimum deposit, minimum balance, or fees
3.63% Vanguard Federal MM Fund $3,000 minimum. For reference purposes
3.61% Salem Five Direct Savings
3.61% Tab Bank Save No minimum or monthly service fees
3.60% Barclays Online Savings No minimum to open. No monthly fees.
3.60% SoFi Savings Requires Direct Deposit
3.55% FNBO Online MM $500,000+
3.50% AlumniFi Savings No minimum
3.50% E*Trade Premium Savings $2,500 minimum opening balance
3.50% Laurel Road HY Savings No minimum balance or monthly fees
3.50% Merchants Bank MM $50 minimum to open, no minimum to earn APY
3.50% Quontic HY Savings Minimum opening deposit: $100. No monthly fees
3.50% Valley Direct $1 to open. No maintenance fees
3.50% BANK Comment
3.45% FNBO Online MM $100,000 - $499,999.99
3.40% Northern Bank Direct Minimum of $5,000 to open
3.40% USAlliance Savings $500 minimum balance (to earn dividends)
3.40% Valley Direct EXISTING CUSTOMERS
3.36% Republic Bank Chicago $2,500 to open. All states except IL, IN, MI, and WI.
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.
3.35% Webull Cash Management Cash swept into FDIC-insured banks
3.30% Ally Money Market No minimum balance or monthly fees
3.30% Ally Savings No minimum balance or monthly fees
3.30% American Express No minimum balance or monthly fees
3.30% Capital One 360 No minimum balance or monthly fees
3.26% UFB Savings Offers new accounts without increasing rates on old ones
3.25% BANK Comment
3.25% Western State Bank $5,000 minimum to open.
3.25% Robinhood Gold
 Brokerage account cash sweep. Gold is $5 per month.
3.25% Betterment Only available to clients of Betterment LLC
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.
3.25% Virtual Bank MM
3.25% Wealthfront Cash Cash swept into FDIC-insured banks
3.24% Bank Purely Index MM Interest on balances of $25,000 or more
3.24% iGO MM Minimum $25,000 to earn interest.
3.15% Citizens Access Savings $5,000 minimum deposit
3.10% Community Wide - Monthly No Penalty Withdrawal 1st 5 days of month
3.10% Vanguard Cash Plus Pilot program for current Vanguard clients ?
3.10% Alliant CU High-Rate Savings $5 to open. $100 minimum to earn interest.
3.05% Upgrade Premier Savings $1,000 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% Empower Personal Cash Deposit products by UMB Bank - Member FDIC.
3.00% FNBO Online Savings No minimum balance or monthly fees
2.70% PenFed Premium Savings $5 minimum to open, no fees.
2.60% Credit Karma Save Banking partner: MVB Bank, Inc., Member FDIC
APY BANK Comment