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 |
|---|---|---|---|---|---|---|---|---|---|---|
| 5.50% | 9/27/24 | Pibank Savings | $1 | ? | ? | ? | N | Y/Y | - | |
| 5.25% | 11/1/24 | Timbr Savings | $1000 | ? | N | N | N | Y/Y | - | Timbr is a division of Bridgewater Bank. $1,000 minimum to open. |
| 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. |
| 5.11% | 10/24/24 | 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. |
| 5.10% | 11/1/24 | Patriot Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | $100 minimum deposit to open but no ongoing minimum required. |
| 5.00% | 11/8/24 | Lending Club High Yield Savings | $100 | ? | ? | N | Y | Y/Y | - | Requires $250 monthly deposit. Without $250 monthly deposit, account pays 4.30%. |
| 5.00% | 11/1/24 | Brio Direct High Yield Savings | $25 | ? | ? | N | N | Y/Y | - | $5k minimum opening deposit; ongoing minimum balance to earn APY is $25 |
| 5.00% | 10/2/24 | Modern Bank High Yield Money Market | $100k | ? | ? | N | N | Y/Y | - | 100k min balance to open and receive interest ongoing. |
| 5.00% | 10/2/24 | Ivy Bank High Yield Savings | $2,500 | 1M | ? | ? | ? | Y/Y | - | Nationally available except CA. Balances below $2,500 do not earn interest. |
| 5.00% | 9/27/24 | 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. |
| 5.00% | 8/11/23 | mph Bank Future Savings | $1 | No Max | N | N | N | Y/Y | - | |
| 4.96% | 10/24/24 | State Bank of Texas Money Market | $1 | ? | ? | ? | N | Y/Y | - | $100,000 minimum deposit required to earn rate |
| 4.95% | 11/1/24 | 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 |
| 4.90% | 11/1/24 | 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. |
| 4.90% | 5/10/24 | 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. |
| 4.90% | 5/10/24 | 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. |
| 4.85% | 11/1/24 | MyBankingDirect Savings | $1 | ? | Y | - | - | - | $500 to open; no ongoing minimum | |
| 4.85% | 10/2/24 | Bask Bank Savings | $1 | ? | ? | N | N | Y/Y | - | |
| 4.85% | 9/27/24 | Dollar Savings Direct Dollar Savings Account | $1 | No Max | N | N | N | Y/N | - | |
| 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 | - | 5.05% rate is for new customers only. Current customer rate is 4.25%. |
| 4.80% | 11/6/24 | 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 |
| 4.80% | 10/24/24 | Jenius Bank Savings | $1 | ? | ? | ? | N | Y/Y | - | Not available to residents of Hawaii or New Mexico. |
| 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 |
| 4.75% | 10/24/24 | 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 |
| 4.75% | 9/27/24 | Primus Bank Savings | $1 | ? | ? | N | N | Y/Y | New customer sign-ups currently on hold. Free incoming wires. | |
| 4.70% | 9/27/24 | 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%. |
| 4.70% | 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%. |
| 4.69% | 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. |
| 4.65% | 11/6/24 | Popular Direct Select Savings | $1 | ? | ? | N | N | Y/Y | - | $100 to open; no ongoing minimum |
| 4.61% | 11/8/24 | 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. |
| 4.61% | 9/27/24 | CIBC Agility Online Savings | $1k | $1,000,000 | ? | N | N | ? | - | Initial deposit limited to no more than $250k |
| 4.57% | 9/27/24 | Grand Bank Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.55% | 10/24/24 | adda bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.55% | 9/27/24 | Harborstone Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.52% | 11/6/24 | Dayspring Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.52% | 10/2/24 | 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. |
| 4.50% | 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% | 11/1/24 | CF Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.50% | 10/2/24 | Liberty Savings Bank High Yield Savings Account | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.50% | 10/2/24 | mph.bank High Yield Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.50% | 10/2/24 | Western State Bank High Yield Money Market | $1 | $10M | ? | ? | ? | Y/Y | - | |
| 4.50% | 10/2/24 | 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. |
| 4.50% | 9/27/24 | Rising Bank High Yield Savings Account | $1,000 | 500k | ? | ? | ? | Y/Y | - | |
| 4.50% | 9/27/24 | Betterment Cash Reserve | $1 | ? | ? | ? | N | Y/Y | - | |
| 4.50% | 9/27/24 | 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. |
| 4.50% | 9/27/24 | SalemFiveDirect High Yield Savings | $100 | $1M | ? | N | N | 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% | 11/8/24 | Western Alliance Bank Savings Premier | $1 | ? | ? | ? | N | Y/Y | - | $500 minimum deposit to open; no ongoing minimum |
| 4.45% | 11/8/24 | American First Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.41% | 11/6/24 | Customer’s Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.41% | 3/10/23 | Continental Bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 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% |
| 4.35% | 11/8/24 | Western Alliance Bank Savings | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.35% | 9/27/24 | CIT Bank Savings Connect | $1 | No Max | ? | N | N | Y/Y | - | The minimum to open a Savings Connect account is $100. |
| 4.35% | 9/27/24 | Citizen’s State Bank High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 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) |
| 4.34% | 10/24/24 | Generations Bank Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.34% | 10/2/24 | iGObanking Money Market | $25k | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
| 4.34% | 10/2/24 | PurelyMoneyMarket | $25k | ? | N | N | Y | Y/Y | Minimum balance required is $25,000 to earn interest. | |
| 4.31% | 11/8/24 | UFB Direct Portfolio Savings | $1 | ? | ? | N | Y | Y/Y | - | |
| 4.31% | 11/8/24 | UFB Direct Portfolio Money Market | $5,000 | ? | ? | N | Y | Y/Y | - | $5,000 balance required to avoid $10 monthly maintenance fee. |
| 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% |
| 4.30% | 10/2/24 | Live Oak Bank Savings | $1 | ? | N | N | Y | Y/Y | - | |
| 4.30% | 10/2/24 | 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. |
| 4.26% | 7/21/23 | SFGI Direct Savings | $500 | ? | N | N | N | Y/Y | - | $500 min to open. Only 1 external account |
| 4.25% | 11/8/24 | Blue Federal Credit Union Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 4.25% | 11/1/24 | 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. |
| 4.25% | 10/2/24 | USAlliance Financial High Dividend Savings | $500 | ? | ? | ? | ? | ?/? | - | |
| 4.25% | 10/2/24 | Webull Cash Management | $1 | ? | ? | ? | N | Y/Y | - | |
| 4.25% | 9/27/24 | E Trade Premium Savings | $1 | ? | ? | ? | ? | Y/Y | - | |
| 4.25% | 9/27/24 | FNBO Direct Savings | $1 | ? | N | N | N | Y/Y | - | No minimum balance requirement |
| 4.25% | 9/27/24 | IGObanking Money Market | $25k | ? | N | N | Y | Y/Y | - | |
| 4.25% | 9/27/24 | Bank Purely Insured MoneyMarket | $25k | ? | N | N | Y | Y/Y | Minimum $25k to open and earn interest ongoing. | |
| 4.20% | 10/4/24 | Sallie Mae Money Market | $1 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
| 4.20% | 10/4/24 | Sallie Mae High Yield Savings | $1 | ? | N | Y | N | Y/Y | - | Sallie Mae FAQs |
| 4.20% | 9/27/24 | 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. |
| 4.15% | 10/2/234 | Citizen’s Access Savings | $5,000 | No Max | ? | N | N | Y/Y | - | 0.25% for balances under $5,000 |
| 4.15% | 9/27/24 | RBMax powered by Republic Bank Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 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% | 10/24/24 | Marcus by Goldman Sachs Savings | $1 | $250k | N | N | N | Y/Y | - | |
| 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. |
| 4.00% | 10/24/24 | American Express High Yield Savings | $1 | ? | N | N | N | Y/Y | - | - |
| 4.00% | 10/24/24 | Discover Bank Savings | $1 | No Max | N | N | N | Y/Y | - | No minimum deposit |
| 4.00% | 10/24/24 | Capital One 360 Performance Savings | $1 | ? | N | N | N | Y/Y | - | |
| 4.00% | 9/27/24 | 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 |
| 4.00% | 9/27/24 | 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 |
| 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 | - | |
| 3.99% | 10/10/24 | Uncle Credit Union Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 3.90% | 9/27/24 | My e Banc Money Market | $100k | ? | ? | ? | Y | ? | - | Balances below 100k earn 3.40%. |
| 3.90% | 9/27/24 | GreenState Credit Union High Yield Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 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 |
| 3.56% | 10/2/24 | First Mid Bank & Trust Money Market | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 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 |
| 3.15% | 11/1/24 | Self-Help CU Money Market | $500 | ? | ? | Y | Y | ?/? | - | $5 fee for balances less than $500 |
| 3.10% | 3/1/23 | Alliant Savings | $5 | N | N | A | Y/Y | - | Rate requires a daily average minimum balance of $100. | |
| 3.00% | 9/27/24 | WE Credit Union Savings | $1 | ? | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 3.00% | 6/7/23 | PenFed Premium Online Savings | $5 | ? | N | N | N | Y/Y | - | |
| 3.00% | 12/1/22 | Varo Savings | $1 | ? | ? | 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 |
| 2.50% | 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. |
| 2.40% | 4/19/24 | Great Lakes Credit Union Money Market | $1 | No Max | ? | N | N | Y/Y | - | Uses the raisin platform. |
| 1.55% | 9/22/22 | CIT Bank Money Market Account | $100 | ? | ? | N | N | Y/Y | - | |
| 1.50% | 10/10/24 | Community Wide Federal Credit Union Savings | $1 | ? | ? | 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 | $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% |
