Savings, Checking, and Money Market Accounts - Nationally Available Liquid Accounts
WSJ Prime Rate : 8.50% - Difference from best liquid account: 3.04%
Fed Funds Rate : 5.50%
Next FOMC meeting
APY | Eff | Bank/CU/Other | Min | Max | Hard Inq | Checks | Debit Card | ACH Orig/Des | PWF | Notes |
---|---|---|---|---|---|---|---|---|---|---|
5.55% | 4/8/24 | MyBankingDirect Money Market | $1 | ? | Y | - | - | - | $500 to open; no ongoing minimum | |
5.50% | 12/7/23 | Poppy Bank Premier Online Savings | $1000 | ? | ? | N | N | Y/Y | - | Rate guaranteed for 90 days. 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. |
5.48% | 4/19/24 | First Internet Bank Savings | $1M | No Max | ? | ? | ? | ? | - | 1M minimum balance required to earn 5.20%. Balances below 1M earn 3.66%. Must maintain $4,000 average daily balance to waive $5 monthly fee. |
5.35% | 11/1/23 | Brilliant Bank Surge Money Market | $1,000 to open | 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. |
5.35% | 10/1/23 | Brio Direct High Yield Savings | $25 | ? | ? | N | N | Y/Y | - | $5k minimum opening deposit; ongoing minimum balance to earn APY is $25 |
5.30% | 11/16/23 | 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. |
5.30% | 10/18/23 | Ivy Bank High Yield Savings | $2,500 | 1M | ? | ? | ? | Y/Y | - | Nationally available except CA. Balances below $2,500 do not earn interest. Rate guaranteed through 6/30/24 |
5.27% | 10/24/23 | Tab Bank High Yield Savings | $2.5k | 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. |
5.26% | 1/12/24 | Uncle Credit Union Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.26% | 9/13/23 | CloudBank 24/7 Savings | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.26% | 8/18/23 | Total Direct Bank Money Market | $1 | $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. |
5.25% | 11/30/23 | First Foundation Online Money Market | $0 | ? | ? | 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. |
5.25% | 10/6/23 | 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 |
5.25% | 9/27/23 | Harborstone Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.25% | 8/13/23 | UFB Direct High Yield Savings | $0 | ? | ? | N | Y | Y/Y | - | |
5.25% | 8/13/23 | UFB Direct High Yield Money Market | $5,000 | ? | ? | N | Y | Y/Y | - | $5,000 balance required to avoid $10 monthly maintenance fee. |
5.25% | 8/11/23 | 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. |
5.25% | 8/11/23 | Evergreen Bank Group High Yield Online Savings | $1 | ? | ? | N | N | Y/Y | - | $100 min required to open; no ongoing min; capped at 1M |
5.24% | 4/19/24 | Ponce Bank High Yield Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.24% | 4/19/24 | American First Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.24% | 4/19/24 | Western Alliance Bank Savings | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.23% | 4/19/24 | OptimumBank Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.23% | 4/19/24 | dr Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.22% | 4/19/24 | nelnetbank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.21% | 4/19/24 | Dayspring Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.21% | 7/20/23 | Republic Bank 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. |
5.20% | 4/19/24 | SkyOne Federal Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.20% | 4/19/24 | First Community Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.20% | 8/2/23 | Modern Bank High Yield Money Market | $100k | ? | ? | N | N | Y/Y | - | 100k min balance to open and receive interest ongoing. |
5.18% | 4/19/24 | Generations Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.15% | 4/19/24 | Popular Direct Select Savings | $0 | ? | ? | N | N | Y/Y | - | $100 to open; no ongoing minimum |
5.15% | 4/19/24 | RBMax powered by Republic Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.15% | 4/19/24 | Blue Federal Credit Union Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.15% | 10/6/23 | Bread Savings 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 |
5.15% | 10/6/23 | EverBank High Pledge Online Savings | $0 | ? | ? | Y | Y | Y/Y | - | Previously was TIAA Bank. 1 year intro rate of 5.15%; current ongoing rate is 4.75% |
5.15% | 7/21/23 | Blue Federal Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.15% | 7/5/23 | Western State Bank High Yield Money Market | $0 | $10M | ? | ? | ? | Y/Y | - | |
5.13% | 4/19/24 | InRoads Federal Credit Union Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.12% | 6/27/23 | Mission Valley Bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.11% | 4/19/24 | Customer’s Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.10% | 10/18/23 | Bask Bank Savings | $0 | ? | ? | N | N | Y/Y | - | |
5.10% | 6/13/23 | 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 |
5.07% | 4/19/24 | CF Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.07% | 8/22/23 | Primus Bank Savings | $1 | ? | ? | N | N | Y/Y | New customer sign-ups currently on hold. Free incoming wires. | |
5.07% | 8/22/23 | 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. | |
5.05% | 7/28/23 | iGObanking Money Market | $25,000 | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
5.05% | 7/28/23 | PurelyMoneyMarket | $25,000 | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
5.05% | 7/27/23 | CIT Bank Platinum Savings | $1 | No Max | ? | N | N | Y/Y | - | $100 to open; no ongoing minimum. Balances $5k+ earn 4.75%. Balances less than 5k earn 0.25%. |
5.05% | 7/7/23 | The State Exchange Bank Savings | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.03% | 5/25/23 | Lemmata Savings Bank Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.01% | 10/13/23 | CIBC Agility Online Savings | $1k | $1,000,000 | ? | N | N | ? | - | Initial deposit limited to no more than $250k |
5.01% | 5/25/23 | SalemFiveDirect High Yield Savings | $100 | $1M | ? | N | N | Y/Y | - | |
5.00% | 4/19/24 | Lending Club High Yield Savings | $100 | ? | ? | N | Y | Y/Y | - | High-Yield Savings is a free savings account with no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account. |
5.00% | 4/19/24 | Betterment Cash Reserve | $0 | ? | ? | ? | N | Y/Y | - | |
5.00% | 4/19/24 | Greenwood Credit Union Savings | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
5.00% | 11/3/23 | 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. |
5.00% | 9/27/23 | Rising Bank High Yield Savings Account | $1,000 | 500k | ? | ? | ? | Y/Y | - | |
5.00% | 9/15/23 | 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. |
5.00% | 8/11/23 | mph Bank Future Savings | $1 | No Max | N | N | N | Y/Y | - | |
5.00% | 7/27/23 | First Foundation Online Savings | $0 | ? | ? | N | N | ? | - | External transfer limits are $100,000 per day/settlement period, and up to $250,000 per rolling 30-day period. |
5.00% | 7/26/23 | Merchant’s Bank Money Market Savings | $0 | $1M | ? | N | N | Y/Y | - | $50 to open but no ongoing minimum balance |
5.00% | 6/22/23 | Virtual Bank Money Market | $1 | ? | ? | ? | ? | ? | - | |
5.00% | 6/7/23 | Dollar Savings Direct Dollar Savings Account | $0 | No Max | N | N | N | Y/N | - | |
4.95% | 12/29/23 | Citizen’s State Bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.95% | 7/5/23 | Northern Bank Direct Money Market | $5k min to open but no ongoing min balance requirements | ? | N | Y | Y | Y/Y | - | |
4.90% | 3/22/24 | All America Bank Mega Money Market | $0 | $100k | N | N | Y | Y/Y | - | $100k max |
4.90% | 3/22/24 | Redneck Mega Money Market | $0 | $100k | N | N | Y | Y/Y | - | $100k max |
4.90% | 12/21/23 | adda bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.81% | 8/11/23 | My e Banc Money Market | $100k | ? | ? | ? | Y | ? | - | Balances below 100k earn 3.90%. |
4.80% | 5/25/23 | First Mid Bank & Trust Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.78% | 8/2/23 | Bank Purely Index MoneyMarket | $25,000 | ? | N | N | Y | Y/Y | Minimum $25k to open and earn interest ongoing. Account is tied to and automatically tracks the Bloomberg FDTR, the upper bound of the Federal Funds Target Rate (Index). Interest rate is 85% of the Index and automatically changes when the Index changes. | |
4.78% | 8/2/23 | IGObanking Index Money Market | $25k | ? | N | N | Y | Y/Y | - | |
4.75% | 4/19/24 | GreenState Credit Union High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.75% | 2/21/24 | Valley Direct Savings | $1 | ? | N | N | N | Y/Y | - | |
4.75% | 2/19/24 | FNBO Direct Savings | $1 | ? | N | N | N | Y/Y | - | No minimum balance requirement |
4.75% | 2/22/24 | Milli Savings | $0 | ? | ? | N | N | Y/Y | - | Must use app to open the account and for ongoing access |
4.75% | 9/15/23 | Synchrony Bank High Yield Savings | $0 | ? | 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. |
4.70% | 4/19/24 | ConnectOneBank Online Savings | $2500 | ? | ? | N | N | Y/Y | - | Tiered rate: $0 - $2499 pays 0%, $2500 to $249,999 pays 4.60%, and $250,000+ pays 4.70%. |
4.70% | 8/2/23 | 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. |
4.70% | 4/21/23 | mph.bank High Yield Money Market | $0 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.65% | 4/19/24 | Sallie Mae Money Market | $0 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
4.65% | 8/18/23 | CIT Bank Savings Connect | $1 | No Max | ? | N | N | Y/Y | - | The minimum to open a Savings Connect account is $100. |
4.60% | 4/21/23 | Liberty Savings Bank High Yield Savings Account | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.55% | 4/19/24 | USAlliance Financial High Dividend Savings | $500 | ? | ? | ? | ? | ?/? | - | |
4.50% | 4/19/24 | Border Bank Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.50% | 8/2/23 | Quontic High Yield Savings | $1 | No Max | ? | N | Y | Y/Y | - | Minimum opening balance of $100 required. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. |
4.50% | 8/2/23 | Sallie Mae High Yield Savings | $0 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
4.50% | 5/5/23 | Prime Alliance Personal Savings | $1 | ? | ? | ? | ? | Y/Y | - | |
4.50% | 5/2/23 | Citizen’s Access Savings | $5,000 | No Max | ? | N | N | Y/Y | - | 0.25% for balances under $5,000 |
4.41% | 3/10/23 | Continental Bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.40% | 4/19/24 | Marcus by Goldman Sachs Savings | $1 | $250k | N | N | N | Y/Y | - | |
4.40% | 11/1/23 | Live Oak Bank Savings | $0 | ? | N | N | Y | Y/Y | - | |
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% |
4.35% | 7/26/23 | Barclays Online Savings | $0 | No Max | N | N | N | Y/Y | - | remote deposit via PC or mobile; online 1099-INT but paper copy sent in the mail. |
4.35% | 3/29/23 | b1BANK High Yield Savings | $0 | ? | ? | ? | ? | ?/? | - | 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% | 4/19/24 | American Express High Yield Savings | $0 | ? | N | N | N | Y/Y | - | - |
4.30% | 4/19/24 | Discover AAII Savings | $0 | No Max | N | N | N | - / - | - | No chexsystem pull. No CC for initial deposit. No monthly fees. Max 6 withdrawals/month, then $15 per w/d. |
4.30% | 4/19/24 | EverBank High Pledge Money Market | $100k | ? | ? | Y | Y | Y/Y | - | Previously was TIAA Bank. 1 year intro rate of 4.30; current ongoing tiered rates are: 100k+ 4.30%, 50k-99.9k 4.05%, 25k-49.9k 3.75%, 10k-24.9k 3.75%, 0-9.9k 3.75% |
4.26% | 7/21/23 | SFGI Direct Savings | $500 | ? | N | N | N | Y/Y | - | $500 min to open. Only 1 external account |
4.25% | 4/19/24 | Discover Bank Savings | $0 | No Max | N | N | N | Y/Y | - | No minimum deposit |
4.25% | 4/19/24 | Capital One 360 Performance Savings | $0 | ? | N | N | N | Y/Y | - | |
4.25% | 8/11/23 | SmartyPig by Sallie Mae | $0 | ? | N | N | N | Y/N | - | |
4.25% | 8/2/23 | E Trade Premium Savings | $1 | ? | ? | ? | ? | Y/Y | - | |
4.25% | 4/6/23 | Elements Financial Credit Union High Yield Savings | $10k | No Max | N | N | N | Y/Y | - | Balances of $10,000.00 and above will earn a fixed promotional Annual Percentage Yield (APY) of 4.25% until October 31, 2023. The APY is 0.10% on balances up to $9,999.99. The promotional APY is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. |
4.20% | 4/19/24 | Ally Bank Money Market | $0 | No Max | N | N | N | Y/Y | - | 1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers |
4.20% | 4/19/24 | Ally Bank Online Savings | $0 | No Max | N | N | N | Y/Y | - | 1099-INT online & paper, unlimited external bank links, offers 1-day ACH transfers |
4.07% | 1/25/23 | Mutual One Mo Premium Savings | $20k | ? | ? | N | N | Y/Y | - | Ongoing 20k balance required to earn advertised rate. |
4.00% | 4/19/24 | WE Credit Union Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
4.00% | 7/7/23 | Emigrant Direct American Dream Savings | $0 | ? | N | N | N | Y/N | - | |
3.90% | 1/12/24 | My e Banc Money Market | $5,000 | ? | ? | ? | ? | ? | - | Minimum opening deposit is $5,000 but no ongoing minimum balance requirement. Balances below 100k earn 2.99%. Balances above 100k earn 4.81%. |
3.77% | 4/19/24 | First Internet Bank Savings | $100 | ? | ? | ? | ? | ? | - | Must maintain $4,000 average daily balance to waive $5 monthly fee. Pays 5.20% with a daily balance above $1M |
3.32% | 12/1/23 | Self-Help CU Money Market | $500 | ? | ? | Y | Y | ?/? | - | $5 fee for balances less than $500 |
3.25% | 8/11/23 | Paramount Bank High Interest Checking | $1 | ? | ? | Y | Y | Y/Y | - | Paramount Bank will automatically refund up to 20 (twenty) convenience fees per month. |
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 | - | |
3.00% | 12/1/22 | Varo Savings | $0 | ? | ? | N | N | Y/Y | - | |
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 |
2.40% | 4/19/24 | Great Lakes Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
2.00% | 7/7/23 | Community Wide Federal Credit Union Savings | $1 | ? | ? | N | N | Y/Y | - | |
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 |
1.10% | 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 | $100 to open, no ongoing minimum | No Max | N | N | N | Y/Y | - | Under $25,000 pays 0.40%, under $25,000 with at least $100 monthly deposit pays 1.00%, over $25,000 pays 1.00% |