Savings, Checking, and Money Market Accounts - Nationally Available Liquid Accounts
WSJ Prime Rate : 8.00% - Difference from best liquid account: 2.50%
Fed Funds Rate : 5.00%
Next FOMC meeting
| APY | Eff | Bank/CU/Other | Min | Max | Hard Inq | Checks | Debit Card | ACH Orig/Des | PWF | Notes |
|---|---|---|---|---|---|---|---|---|---|---|
| 5.05% | 12/13/24 | Patriot Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | $100 minimum deposit to open but no ongoing minimum required. |
| 5.05% | 12/7/24 | Timbr Savings | $1000 | ? | N | N | N | Y/Y | - | Timbr is a division of Bridgewater Bank. $1,000 minimum to open. |
| 5.00% | 12/2/24 | Pibank Savings | $1 | ? | ? | ? | N | Y/Y | - | |
| 5.00% | 11/26/24 | Open Bank High Yield Savings | $1 | No Max | N | N | N | Y/Y | - | Nationally available except for Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island. Minimum opening deposit of $500 required. |
| 5.00% | 11/26/24 | Zynlo Bank Money Market | $10 | No Max | N | N | N | Y/Y | - | Balances greater than $250,000 will receive 0.10% APY. |
| 5.00% | 8/11/23 | mph Bank Future Savings | $1 | No Max | N | N | N | Y/Y | - | |
| 4.90% | 11/27/24 | Newtek Bank Personal High Yield Savings | $1 | No Max | ? | N | N | Y/Y | - | No minimum balance to open, but customers must have a balance of $0.01 to earn interest. You may make up to 6 withdrawals from your Newtek Bank, N.A. Savings account per statement cycle, including preauthorized, automatic and telephone transfers. |
| 4.86% | 12/3/24 | Total Direct Bank Money Market | $2500 | $1M | ? | ? | ? | Y/Y | - | Nationally available except FL and US territories. Minimum opening balance is $25,000. Minimum ongoing balance to earn advertised interest rate is $2,500. Balances below $2,500 do not earn interest. Limited to 6 withdraws/transfer each month with $10 fee charged for any additional. |
| 4.85% | 11/15/24 | Brio Direct High Yield Savings | $25 | ? | ? | N | N | Y/Y | - | $5k minimum opening deposit; ongoing minimum balance to earn APY is $25 |
| 4.85% | 9/27/24 | Brilliant Bank Surge Money Market | $1 | No Max | ? | ? | ? | Y/Y | - | Nationally available except AR, KS, MO, and OK. Minimum $2,000 balance to avoid $10 monthly service charge. There is a $2.55 charge for external transfers initiated at Brilliant Bank and 5k daily/monthly limit on transfers initiated at Brilliant Bank. |
| 4.80% | 11/8/24 | Valley Direct Savings | $1 | ? | N | N | N | Y/Y | - | 4.80% rate is for new customers only. Current customer rate is 4.00%. |
| 4.80% | 10/24/24 | Jenius Bank Savings | $1 | ? | ? | ? | N | Y/Y | - | Not available to residents of Hawaii or New Mexico. |
| 4.75% | 11/26/24 | State Bank of Texas Money Market | $1 | ? | ? | ? | N | Y/Y | - | $100,000 minimum deposit required to earn rate |
| 4.75% | 11/26/24 | Poppy Bank Premier Online Savings | $1000 | ? | ? | N | N | Y/Y | - | A minimum balance of $1,000 must be maintained to obtain the advertised Annual Percentage Yield. Electronic statements must be activated, and enrollment maintained, to avoid a monthly $5.00 paper statement fee. |
| 4.75% | 11/26/24 | Lending Club High Yield Savings | $100 | ? | ? | N | Y | Y/Y | - | Requires $250 monthly deposit. Without $250 monthly deposit, account pays 4.30%. |
| 4.75% | 11/20/24 | Quontic Money Market | $1 | No Max | ? | N | Y | Y/Y | - | Minimum opening balance of $100 required. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. |
| 4.75% | 11/15/24 | Modern Bank High Yield Money Market | $100k | ? | ? | N | N | Y/Y | - | 100k min balance to open and receive interest ongoing. |
| 4.75% | 11/15/24 | First Foundation Online Money Market | $1 | ? | ? | N | N | ? | - | The minimum balance to open the Online Money Market Account is $1,000; new money only. The minimum balance to earn the APY is $0.01. External transfer limits are $100,000 per day/settlement period, and up to $250,000 per rolling 30-day period. |
| 4.75% | 11/15/24 | First Foundation Online Savings | $1 | ? | ? | N | N | ? | - | External transfer limits are $100,000 per day/settlement period, and up to $250,000 per rolling 30-day period. |
| 4.75% | 11/8/24 | EverBank High Pledge Online Savings | $1 | ? | ? | Y | Y | Y/Y | - | Previously was TIAA Bank. |
| 4.75% | 11/1/24 | Northern Bank Direct Money Market | $1 | ? | N | Y | Y | Y/Y | - | $5k min to open but no ongoing min balance requirements |
| 4.70% | 12/6/24 | Primus Bank Savings | $1 | ? | ? | N | N | Y/Y | New customer sign-ups currently on hold. Free incoming wires. | |
| 4.69% | 11/11/24 | First Internet Bank Savings | $1M | No Max | ? | ? | ? | ? | - | 1M minimum balance required. Balances below 1M earn 3.77%. Must maintain $4,000 average daily balance to waive $5 monthly fee. |
| 4.66% | 12/13/24 | Vio Cornerstone Money Market | $1 | ? | ? | N | Y | Y/Y | - | $100 minimum to open. A $10 fee will be charged for each withdrawal in excess of 6 per monthly statement cycle. $5 fee to receive paper statements. |
| 4.65% | 12/13/24 | MyBankingDirect Savings | $1 | ? | Y | - | - | - | $500 to open; no ongoing minimum | |
| 4.65% | 11/15/24 | Bask Bank Savings | $1 | ? | ? | N | N | Y/Y | - | |
| 4.60% | 12/6/24 | Bread Financial High Yield Savings(formerly Comenity Direct Bank) | $100 | ? | ? | N | N | Y/Y | - | Maximum deposit limit of $1 million per account and $10 million limit per customer |
| 4.60% | 12/5/24 | Bank 5 Connect High Interest Savings | $100k | No Max | ? | N | N | Y/Y | - | 100k minimum balance to earn rate. FDIC Insured for up to $250,000 and DIF Insured for over $250,000, meaning 100% of deposits are insured in full; $1 monthly fee for optional paper statements |
| 4.60% | 12/4/24 | Ivy Bank High Yield Savings | $2,500 | 1M | ? | ? | ? | Y/Y | - | Nationally available except CA. Balances below $2,500 do not earn interest. |
| 4.60% | 11/15/24 | Popular Direct Select Savings | $1 | ? | ? | N | N | Y/Y | - | $100 to open; no ongoing minimum |
| 4.55% | 11/15/24 | CIT Bank Platinum Savings | $1 | No Max | ? | N | N | Y/Y | - | $100 to open; no ongoing minimum. Balances $5k+ earn 4.85%. Balances less than 5k earn 0.25%. |
| 4.52% | 12/13/24 | CFG Bank Online High Yield Money Market | $1000 | No Max | ? | N | Y | Y/Y | - | Minimum balance of $1,000 must be maintained to earn advertised interest rate |
| 4.51% | 11/26/24 | CIBC Agility Online Savings | $1k | $1,000,000 | ? | N | N | ? | - | Initial deposit limited to no more than $250k |
| 4.50% | 12/13/24 | Raisin Platform Highest Rate | $1 | ? | ? | N | N | Y/Y | - | |
| 4.50% | 11/8/24 | Merchant’s Bank Money Market Savings | $1 | $1M | ? | N | N | Y/Y | - | $50 to open but no ongoing minimum balance |
| 4.50% | 11/8/24 | Evergreen Bank Group High Yield Online Savings | $1 | ? | ? | N | N | Y/Y | - | $100 min required to open; no ongoing min; capped at 1M |
| 4.50% | 11/8/24 | Virtual Bank Money Market | $1 | ? | ? | ? | ? | ? | - | |
| 4.50% | 9/27/24 | Rising Bank High Yield Savings Account | $1,000 | 500k | ? | ? | ? | Y/Y | - | |
| 4.50% | 9/27/24 | Primus Bank Premium Checking | $1 | ? | ? | N | N | Y/Y | New customer sign ups currently on hold. Foreign ATM fees reimbursed. First check order is free. Free incoming wires. | |
| 4.50% | 5/5/23 | Prime Alliance Personal Savings | $1 | ? | ? | ? | ? | Y/Y | - | |
| 4.46% | 11/26/24 | Republic Bank of Chicago Digital Money Market | $2,500 | ? | ? | ? | ? | ? | - | Nationally available except IL, IN, MI, and WI. $2,500 minimum balance required to avoid $25 monthly fee and earn interest. External Transfers using Republic Bank’s transfer service: The monthly maximum is 10 total external transfers, not to exceed the aggregate monthly total of $10,000.00. The individual transfer limit is $2,500.00 per transaction. |
| 4.46% | 11/8/24 | Western Alliance Bank Savings Premier | $1 | ? | ? | ? | N | Y/Y | - | $500 minimum deposit to open; no ongoing minimum |
| 4.40% | 9/27/24 | All America Bank Mega Money Market | $1 | $100k | N | N | Y | Y/Y | - | $100k max |
| 4.40% | 9/27/24 | Redneck Mega Money Market | $1 | $100k | N | N | Y | Y/Y | - | $100k max |
| 4.40% | 8/25/23 | Colorado Federal Savings Bank High Yield Savings | $1 | No Max | ? | N | N | Y/Y | - | Only allows transfers to & from original linked account. New customers who deposit a minimum of 50k may choose to open a Premier Savings account which pays 4.45% |
| 4.37% | 12/4/24 | Tab Bank High Yield Savings | $1 | No Max | ? | N | N | Y/Y | - | $2,500 to open and $1 minimum ongoing to earn advertised interest rate. E-statements are free; paper statements $5 a month. |
| 4.35% | 3/29/23 | b1BANK High Yield Savings | $1 | ? | ? | ? | ? | ?/? | - | This account can only be opened with funds not currently on deposit with b1BANK. $0 quarterly service charge if account receives eStatements. ($5.00 paper statement fee.) |
| 4.35% | 12/16/22 | MySavingsDirect My Savings Account | $0 | ? | N | N | N | Y/N* | - | 2 max external bank links, can only push money out (no pulls) |
| 4.30% | 10/24/24 | EverBank High Pledge Money Market | $100k | ? | ? | Y | Y | Y/Y | - | Previously was TIAA Bank. Current ongoing tiered rates are: 100k+ 4.30%, 50k-99.9k 4.30%, 25k-49.9k 4.30%, 10k-24.9k 4.30%, 0-9.9k 1.00% |
| 4.26% | 7/21/23 | SFGI Direct Savings | $500 | ? | N | N | N | Y/Y | - | $500 min to open. Only 1 external account |
| 4.25% | 12/4/24 | Community Wide Federal Credit Union Hi Rate Monthly | $1 | ? | ? | N | N | Y/Y | - | Withdrawals are only allowed during first 5 days of each month. Withdrawing outside of this timeframe incurs a 15 day interest penalty. |
| 4.25% | 11/26/24 | Dollar Savings Direct Dollar Savings Account | $1 | No Max | N | N | N | Y/N | - | |
| 4.25% | 11/20/24 | Wealthfront Cash | $1 | No Max | ? | N | N | Y/Y | - | No minimum balance requirement. Sweep account into 4 banks so up to 1M in FDIC insurance. |
| 4.25% | 11/15/24 | SalemFiveDirect High Yield Savings | $100 | $1M | ? | N | N | Y/Y | - | |
| 4.25% | 11/15/24 | Betterment Cash Reserve | $1 | ? | ? | ? | N | Y/Y | - | |
| 4.20% | 12/9/24 | Live Oak Bank Savings | $1 | ? | N | N | Y | Y/Y | - | |
| 4.20% | 11/15/24 | CIT Bank Savings Connect | $1 | No Max | ? | N | N | Y/Y | - | The minimum to open a Savings Connect account is $100. |
| 4.15% | 12/13/24 | Western State Bank High Yield Money Market | $1 | $10M | ? | ? | ? | Y/Y | - | |
| 4.12% | 12/4/24 | iGObanking Money Market | $25k | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
| 4.12% | 12/4/24 | PurelyMoneyMarket | $25k | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
| 4.10% | 12/6/24 | Sallie Mae Money Market | $1 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
| 4.10% | 12/6/24 | Sallie Mae High Yield Savings | $1 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
| 4.10% | 12/4/24 | ConnectOneBank Online Savings | $2500 | ? | ? | N | N | Y/Y | - | Tiered rate: $0 - $2499 pays 0%, $2500 to $249,999 pays 4.00%, and $250,000+ pays 4.10%. |
| 4.10% | 11/26/24 | Synchrony Bank High Yield Savings | $1 | ? | N | N | N | Y/Y | - | If your account is left with a $0 balance for greater than 60 days, it may be subject to closure. |
| 4.10% | 11/20/24 | E Trade Premium Savings | $1 | ? | ? | ? | ? | Y/Y | - | |
| 4.10% | 11/1/24 | Barclays Online Savings | $1 | No Max | N | N | N | Y/Y | - | remote deposit via PC or mobile; online 1099-INT but paper copy sent in the mail. |
| 4.10% | 10/10/24 | SmartyPig by Sallie Mae | $1 | ? | N | N | N | Y/N | - | |
| 4.07% | 1/25/23 | Mutual One Mo Premium Savings | $20k | ? | ? | N | N | Y/Y | - | Ongoing 20k balance required to earn advertised rate. |
| 4.05% | 11/20/24 | USAlliance Financial High Dividend Savings | $500 | ? | ? | ? | ? | ?/? | - | |
| 4.01% | 12/13/24 | UFB Direct Portfolio Savings | $1 | ? | ? | N | Y | Y/Y | - | |
| 4.01% | 12/13/24 | UFB Direct Portfolio Money Market | $5,000 | ? | ? | N | Y | Y/Y | - | $5,000 balance required to avoid $10 monthly maintenance fee. |
| 4.00% | 11/20/24 | Webull Cash Management | $1 | ? | ? | ? | N | Y/Y | - | |
| 4.00% | 11/20/24 | Quontic High Yield Savings | $1 | No Max | ? | N | Y | Y/Y | - | Minimum opening balance of $100 required. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. |
| 4.00% | 11/15/24 | Empower Personal Cash | $1 | No Max | ? | N | N | Y/Y | - | Interest begins accruing once your funds are transferred into the Program Banks, generally within 2-3 business days after a deposit is initiated. 8 Partner Banks so up to 2M in FDIC insurance. |
| 4.00% | 11/15/24 | IGObanking Money Market | $25k | ? | N | N | Y | Y/Y | - | |
| 4.00% | 11/15/24 | Bank Purely Insured MoneyMarket | $25k | ? | N | N | Y | Y/Y | Minimum $25k to open and earn interest ongoing. | |
| 4.00% | 9/27/24 | Elements Financial Credit Union High Yield Savings | $10k | No Max | N | N | N | Y/Y | - | |
| 4.00% | 7/7/23 | Emigrant Direct American Dream Savings | $1 | ? | N | N | N | Y/N | - | |
| 3.90% | 12/4/24 | Marcus by Goldman Sachs Savings | $1 | $250k | N | N | N | Y/Y | - | |
| 3.90% | 12/4/24 | American Express High Yield Savings | $1 | ? | N | N | N | Y/Y | - | - |
| 3.90% | 11/26/24 | Citizen’s Access Savings | $5,000 | No Max | ? | N | N | Y/Y | - | 0.25% for balances under $5,000 |
| 3.90% | 11/26/24 | Discover Bank Savings | $1 | No Max | N | N | N | Y/Y | - | No minimum deposit |
| 3.90% | 11/15/24 | FNBO Direct Savings | $1 | ? | N | N | N | Y/Y | - | No minimum balance requirement |
| 3.90% | 9/27/24 | My e Banc Money Market | $100k | ? | ? | ? | Y | ? | - | Balances below 100k earn 3.40%. |
| 3.80% | 12/13/24 | Ally Bank Money Market | $1 | No Max | N | N | N | Y/Y | - | 1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers |
| 3.80% | 12/13/24 | Ally Bank Online Savings | $1 | No Max | N | N | N | Y/Y | - | 1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers |
| 3.80% | 12/6/24 | Capital One 360 Performance Savings | $1 | ? | N | N | N | Y/Y | - | |
| 3.77% | 4/19/24 | First Internet Bank Savings | $100 | ? | ? | ? | ? | ? | - | Must maintain $4,000 average daily balance to waive $5 monthly fee. Pays 4.95% with a daily balance above $1M |
| 3.40% | 9/27/24 | My e Banc Money Market | $5,000 | ? | ? | ? | ? | ? | - | Minimum opening deposit is $5,000 but no ongoing minimum balance requirement. Balances below 100k earn 3.40%. Balances above 100k earn 3.90%. |
| 3.25% | 11/10/22 | Northpointe Ultimate Money Market Account | $25k | 3M | ? | N | N | ? | - | $25k min balance required to receive 2.95% interest rate |
| 3.25% | 11/10/22 | Northpointe Bank Ultimate Savings | $25k | 3M | ? | ? | N | Y/Y | - | 25k minimum balance required to receive 2.95% interest rate |
| 3.10% | 3/1/23 | Alliant Savings | $5 | N | N | A | Y/Y | - | Rate requires a daily average minimum balance of $100. | |
| 3.00% | 6/7/23 | PenFed Premium Online Savings | $5 | ? | N | N | N | Y/Y | - | |
| 2.64% | 12/4/24 | Self-Help CU Money Market | $500 | ? | ? | Y | Y | ?/? | - | $5 fee for balances less than $500 |
| 2.53% | 8/11/23 | National Cooperative Bank Impact Money Market | $100 | ? | ? | N | N | Y/Y | - | $25 monthly fee if balance falls below $5,000 |
| 2.50% | 12/13/24 | Varo Savings | $1 | ? | ? | N | N | Y/Y | - | |
| 2.50% | 10/10/24 | Paramount Bank High Interest Checking | $1 | ? | ? | Y | Y | Y/Y | - | Paramount Bank will automatically refund up to 20 (twenty) convenience fees per month. |
| 1.55% | 9/22/22 | CIT Bank Money Market Account | $100 | ? | ? | N | N | Y/Y | - | |
| 1.50% | 8/18/22 | Bank 5 Connect High Interest Savings | $100 | No Max | ? | N | N | Y/Y | - | FDIC Insured for up to $250,000 and DIF Insured for over $250,000, meaning 100% of deposits are insured in full; $1 monthly fee for optional paper statements |
| 1.25% | 12/4/24 | Community Wide Federal Credit Union Savings | $1 | ? | ? | N | N | Y/Y | - | |
| 1.10% | 12/14/22 | Vio Bank High Yield Online Savings | $100 | ? | ? | N | N | Y/Y | - | |
| 1.00% | 9/25/22 | Elements Financial Credit Union Helium Savings | $2,500 | No Max | N | N | N | Y/Y | - | |
| 1.00% | 9/22/22 | CIT Bank Savings Builder | $1 | No Max | N | N | N | Y/Y | - | Requires minimum $100 deposit to open. Balance under $25,000 pays 0.40%, under $25,000 with at least $100 monthly deposit pays 1.00%, over $25,000 pays 1.00% |
