| HIGH YIELD ACCOUNTS http://www.rejohnsonjr.com/SAVINGS.HTM | ||
|---|---|---|
| APY | BANK | UPDATED: 22-Sep-26 |
| 7.50% | RIZE Checking | Up to $10,000. 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 |
| 6.00% | OnPath CU High Yield Checking | Up to $10,000 with 15 debit card purchases, estatements, and one monthly login |
| 5.25% | Andrews FCU Kasasa Cash | Up to $25,000 with 15+ debit card purchases, one direct deposit or ACH, eStatements |
| 5.25% | Andrews Federal CU | Up to $1,000. then 0.05% |
| 5.04% | Sunward Power MMA | Interest Up to $2,500 |
| 5.00% | Accordia Bank | $100 Minimum Deposit Required. Was Limelight Bank. Special rate for Utah residents unti 1/31/2027 |
| 5.00% | Digital CU Savings | Interest Up to $1,000 |
| 5.00% | Pelican CU | Up to $30,000 with 15+ debit card purchases, one direct deposit or ACH, eStatements, and one monthly login |
| 5.00% | Signature FCU | Up to $25,000 with 15 debit card purchases, $500 direct deposit, and estatements |
| 4.50% | Connexus Xtraordinary Checking | Up to $25,000 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 |
| 4.45% | 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 | $200,000+ |
| 4.34% | elevault | App based (iOS/Android) |
| 4.25% | E*Trade Premium Savings | NEW CUSTOMERS 4.25% for 6 months and $400 bonus with $20,000+ deposit |
| 4.25% | Betterment | Only available to clients of Betterment LLC - APY boost of 0.75% until 2/15/2017 |
| 4.25% | InTouch CU | $50 to open, no fees, nationwide with "Friends of the Foundation" membership |
| 4.25% | BANK | Comment |
| 4.21% | AXOS Bank | Must maintain $1500+ balance, and deposit $1500+ monthly |
| 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 |
| 4.15% | TIMBR High Yield Savings | No fees |
| 4.15% | Oloy Bank | $1,000 minimum deposit required |
| 4.10% | Always.bank Savings | No fees, no minimum |
| 4.10% | Neighbors Bank | Currently not accepting new applications, signup to get notified |
| 4.10% | Pibank Savings | No fees, no minimum |
| 4.05% | 316 Financial | No fees, no minimum |
| 4.05% | CFG Bank HY MM | Low external ACH of $5K daily, $30K monthly |
| 4.01% | Climate First Bank | $50 to open |
| 4.01% | Peak Bank Savings | Rate for new accounts. No fees, $100 to open |
| 4.01% | Total Bank MM | $25,000 to open. $2,500 minimum to earn APY. |
| 4.01% | WSB Digital | $10 to open, $250 minimum balance to avoid $3 monthly service charge |
| 4.00% | Accordia Bank | $100 Minimum Deposit Required. Was Limelight Bank |
| 4.00% | AlumniFi Savings | Balances $100,000+ |
| 4.00% | Barclays AARP Savings | Must be AARP member. $400 bonus on $40,000+ held for 120 days |
| 4.00% | Western State Bank | $5,000 minimum to open. |
| 4.00% | OnPath CU Elite MM | $25,000 minimum to earn interest |
| 4.00% | Brilliant Bank Surge MM | Except Arkansas, Kansas, Missouri, and Oklahoma |
| 4.00% | Happen Bank | Requires $250 per month deposit (was Lending Club) |
| 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-month no-penalty CD | 11-Month No-Penalty CD $500 minimum deposit |
| 4.00% | Poppy Bank Online Savings | $1,000 to open. Interest on balances of $1,000 or more |
| 4.00% | SoFi Savings | Requires Direct Deposit. For new customers. Rate for 6 months and a $400 cash bonus for $5,000 deposit |
| 4.00% | Valley Direct | NEW CUSTOMERS ONLY 12 Month Promotional rate |
| 4.00% | BANK | Comment |
| 3.95% | SFGI Direct Savings | $1 minimum to earn interest. no monthly fees |
| 3.95% | Bread Savings | $100 minimum opening deposit, no monthly fees. |
| 3.95% | Tab Bank Save | No minimum or monthly service fees |
| 3.95% | Vio Bank Online Savings | $100 to open. No monthly fees |
| 3.90% | Colorado Federal Premier | New Customer. $50,000+ |
| 3.90% | EverBank | No minimum, no fees |
| 3.90% | Popular Direct Select Savings | $100 minimum deposit. |
| 3.90% | Quontic Money Market | Minimum opening deposit: $100. No monthly fees |
| 3.90% | Zynlo Bank | No fees, no minimum |
| 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 Growth Savings | No minimum, no fees. .30% boost for new customers ujtil 12/21/2026 |
| 3.85% | Sallie Mae High Yield Savings | No minimum balance or monthly fees |
| 3.85% | BANK | Comment |
| 3.83% | OMB High Interest Savings | $5,000 minmum to open. No monthly maintenance fee |
| 3.82% | Mutual One Mo Premium | $20,000 minimum to open and earn interest |
| 3.80% | Open Bank High Yield Savings | $100 minumum to open, no 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% | Merchants Bank MM | $50 minimum to open, no minimum to earn APY |
| 3.75% | Bask Bank Interest Savings | No minimum balance or monthly account fees |
| 3.75% | Hustl DCU MM | No monthly fees or minimums |
| 3.75% | E*Trade Premium Savings | $2,500 minimum opening balance |
| 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% | 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 free checks available upon request. |
| 3.70% | EagleBank HY Savings | $1000 to open |
| 3.65% | Barclays Tiered Savings | Rate for over $250,000 |
| 3.65% | CIT Savings Connect | $100 minimum to open. No monthly service fees |
| 3.64% | Vanguard Federal MM Fund | $3,000 minimum. For reference purposes |
| 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% | Wealthfront Cash | 3.55% base |
| 3.52% | CIBC Agility Online Savings | Minimum $1,000 deposit |
| 3.51% | Salem Five Direct Savings | $10 TO OPEN. NO MINIMUM BALANCE/MONTHLY FEES |
| 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% | Bank Purely Money Market | Interest on balances of $25,000 or more |
| 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 |
| 3.45% | Vio Bank Cornerstone MM | $100 to open. No monthly fees |
| 3.40% | RB MAX | Minimum of $10 to open, No minimum balance, No Monthly Fee |
| 3.40% | Smarty Pig | |
| 3.40% | Valley Direct | $1 to open. No maintenance fees |
| 3.38% | Pelican CU MM | $100,000 - $199.999 |
| 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% | Synchrony HY Savings | No minimum deposit, minimum balance, or fees |
| 3.30% | Upgrade Premier Savings | $1,000 minimum to earn interest. |
| 3.30% | Wealthfront Cash | Cash swept into FDIC-insured banks |
| 3.26% | UFB Savings | Offers new accounts without increasing rates on old ones |
| 3.25% | BANK | Comment |
| 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 | |
| 3.20% | Barclays Online Savings | No minimum to open. No monthly fees. |
| 3.20% | Quontic HY Savings | Minimum opening deposit: $100. No monthly fees |
| 3.10% | Vanguard Cash Plus | Pilot program for current Vanguard clients ? |
| 3.10% | SoFi Savings | Requires Direct Deposit |
| 3.10% | USAlliance Savings | $500 minimum balance (to earn dividends) |
| 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% | Community Wide - Monthly | No Penalty Withdrawal 1st 5 days of month |
| 3.00% | Ally Money Market | No minimum balance or monthly fees |
| 3.00% | Ally Savings | No minimum balance or monthly fees |
| 3.00% | American Express | No minimum balance or monthly fees |
| 3.00% | Capital One 360 | No minimum balance or monthly fees |
| 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 |
| APY | BANK | Comment |