For the past couple of years, I've maintained this list of high-yield savings accounts by hand. That worked fine for a while, but savings account interest rates change often, and I prefer spending my time writing about personal finance.
So, now we're providing you with this tool which monitors rates from over 200 banks and displays the top 50 highest rates. These are daily rate updates to help you find the best high yield savings account rates.
Reader reviews on the best savings accounts and over 1,600 Get Rich Slowly reader comments come after the table.
| Institution | Type | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| SmartyPig Rates as of Sep. 2nd | Savings | 2.15% | $25 | ||
| Choice Financial Rates as of Sep. 2nd | Savings | 2.06% | $100,000 | RateBuilder Savings - New money only, 2.06% APY 30-day introductory rate, then reverts to rate tiers. Tier 3: $100,000 or more - 1.51% APY - No more than six withdrawals or transfers per month. | |
| Ultima Bank Rates as of Sep. 2nd | Savings | 2.00% | 2.02% | $0 | SMART Savings Account - for young adults 18 yrs or younger, withdrawals prior to 18th birthday may result in a penalty |
| Bank2 Rates as of Sep. 2nd | Savings | 2.01% | $0 | Great Rate Savings-account must be linked to Great Rate Checking account, available only to Oklahoma residents. | |
| Dollar Bank Federal Savings Bank Rates as of Sep. 2nd | Savings | 2.00% | $0 | FreeMONEYSavings - Rate for balances below $20,000 - must maintain Dollar Bank FreeMONEY Checking or e-Checking to earn rate. Open online and mail in forms. Available in Pennsylvania, and Ohio market area. Rate collected in: 15222 (PA) | |
| AmericaNet Bank Rates as of Sep. 2nd | MMA | 2.00% | $1 | Mega Money Market Checking Account - earn APY on balances up to $35,000, 6 free withdrawals per month | |
| Georgia Primary Bank Rates as of Sep. 2nd | MMA | 1.74% | 1.75% | $100,000 | Available only to Georgia residents-limited check writing without fees, monthly maintenance fee of $10 waived with $2,500 daily balance. |
| North Middlesex Savings Bank Rates as of Sep. 2nd | Savings | 1.74% | 1.75% | $10 | Simply Save Account - must make $50 deposit in person during each interest cycle, balances up to $10,000 earn APY, must live within market area to open an account. |
| Gogebic Range Bank Rates as of Sep. 2nd | MMA | 1.74% | 1.75% | $100,000 | Available only to Michigan market area. Must open account in person. Gogebic Money Market Checking - tiered interest rates |
| Geddes Federal Savings and Loan Association Rates as of Sep. 2nd | MMA | 1.60% | 1.60% | $50,000 | Central New York market area only |
| Mountain View Bank of Commerce Rates as of Sep. 2nd | Savings | 1.51% | 1.52% | $1,000 | Must sign account documents in branch - Colorado market area |
| Hopkins Federal Savings Bank Rates as of Sep. 2nd | Savings | 1.50% | 1.51% | $1,000 | Max Passbook - New accounts available for Maryland residents only - must open in person |
| Georgia Primary Bank Rates as of Sep. 2nd | MMA | 1.49% | 1.50% | $50,000 | Available only to Georgia residents-limited check writing without fees, monthly maintenance fee of $10 waived with $2,500 daily balance. |
| The Palladian Private Bank Rates as of Sep. 2nd | Savings | 1.49% | 1.50% | $10,000 | |
| H&R Block Bank Rates as of Sep. 2nd | MMA | 1.49% | 1.50% | $50,001 | |
| Quantum National Bank Rates as of Sep. 2nd | MMA | 1.49% | 1.50% | $100,000 | Hi-Rate Money Market (Personal) - Limited to Georgia customers only |
| Sallie Mae Bank Rates as of Sep. 2nd | Savings | 1.40% | $1 | ||
| Discover Bank Rates as of Sep. 2nd | Savings | 1.34% | 1.35% | $1 | Online Savings Account - Account can only be held in individual or joint ownership - Up to 6 preauthorized transfers from your Online Savings Account per statement cycle |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | Savings | 1.34% | 1.35% | $1,000 | InterestPlus Online Savings Tier $1,000 - $9,999 - 10% bonus on interest earned with $15,000 monthly balance or use of a Capital One credit card at least once a month - Transaction limitations, contact bank for details. Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | Savings | 1.34% | 1.35% | $1,000 | InterestPlus Online Savings Tier $1,000 - $9,999 - 10% bonus on interest earned with $15,000 monthly balance or use of a Capital One credit card at least once a month - Transaction limitations, contact bank for details. Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | Savings | 1.34% | 1.35% | $1,000 | InterestPlus Online Savings Tier $1,000 - $9,999 - 10% bonus on interest earned with $15,000 monthly balance or use of a Capital One credit card at least once a month - Transaction limitations, contact bank for details - Rate collected within: 94115 (CA) |
| SFGI Direct Rates as of Sep. 2nd | Savings | 1.35% | $1 | Currently SFGI is not accepting new customers nor opening new accounts. | |
| Discover Bank Rates as of Sep. 2nd | MMA | 1.29% | 1.30% | $100,000 | |
| Colorado Federal Savings Bank Rates as of Sep. 2nd | Savings | 1.29% | 1.30% | $2,500 | Online Savings Account - up to 6 withdrawal transactions per month with no service fee |
| Chesapeake Bank Rates as of Sep. 2nd | Savings | 1.29% | 1.30% | $1 | Clear Sky Savings - Tier $1 - $249,999 |
| American Express Rates as of Sep. 2nd | Savings | 1.30% | $0 | High-Yield Savings | |
| TriState Capital Bank Rates as of Sep. 2nd | MMA | 1.29% | 1.30% | $100,000 | Private MMDA |
| AIG Bank Rates as of Sep. 2nd | MMA | 1.28% | 1.29% | $250,000 | High Yield Money Market - FDIC insured. Open an account online or by phone! |
| Washington Savings Bank Rates as of Sep. 2nd | Savings | 1.25% | 1.28% | $0 | e-Savings, tiered rates apply, APY valid for balances between $10 to $49,999 , online accounts only, requires a checking account with at least a direct deposit or 5 debit card transactions per month |
| AIG Bank Rates as of Sep. 2nd | MMA | 1.25% | 1.26% | $100,000 | High Yield Money Market - FDIC insured. Open an account online or by phone! |
| Brunswick State Bank Rates as of Sep. 2nd | Savings | 1.25% | 1.26% | $40,000 | Savings account - Tiered rates apply Limited to local Nebraska market area |
| Greystone Bank Rates as of Sep. 2nd | MMA | 1.25% | 1.26% | $750,000 | Money Market Savings Account |
| EverBank Rates as of Sep. 2nd | MMA | 1.25% | 1.26% | $0 | New Account bonus rate for Yield Pledge Money Market Account - 2.25% for the first 3 months, 1.51% First Year APY for account balance $50K or less |
| First National Bank in Cimarron Rates as of Sep. 2nd | MMA | 1.25% | 1.26% | $100,000 | Money Market Account - tiered rates apply |
| Ally Bank Rates as of Sep. 2nd | MMA | 1.24% | 1.25% | $0 | Money Market Savings Account - All balances - No monthly fees |
| Georgia Primary Bank Rates as of Sep. 2nd | MMA | 1.24% | 1.25% | $25,000 | Available only to Georgia residents-limited check writing without fees, monthly maintenance fee of $10 waived with $2,500 daily balance. |
| Acacia Federal Savings Bank Rates as of Sep. 2nd | MMA | 1.24% | 1.25% | $125,000 | Tiered Money Market -Rates effective 08/30/2010 |
| Main Bank Rates as of Aug. 31st | Savings | 1.24% | 1.25% | $2,500 | MainStay Savings Account Tier $2,500 and over |
| 1st Constitution Direct Rates as of Sep. 2nd | Savings | 1.25% | $10,000 | Direct Super Savings Internet Special - Rate disclosed is special APY for new accounts only | |
| Ally Bank Rates as of Sep. 2nd | Savings | 1.24% | 1.25% | $0 | Online Savings - Free online transactions, no monthly fees, no minimums |
| Presidential Bank Rates as of Sep. 2nd | Savings | 1.24% | 1.25% | $0 | Premier Savings - APY on balances up to $35,000 |
| First Internet Bank Rates as of Sep. 2nd | MMA | 1.24% | 1.25% | $50,000 | Money Market Savings - Rate earned on balances up to $99,999.99 |
| First National Community Bank (FNCB) Rates as of Sep. 2nd | Savings | 1.24% | 1.25% | $1 | ME Savings - Maximum Earnings Online Savings Account, withdrawal limitations |
| iGOBanking Rates as of Sep. 2nd | Savings | 1.20% | 1.21% | $0 | Online Savings - High Interest Savings iGOSavings |
| AIG Bank Rates as of Sep. 2nd | MMA | 1.20% | 1.21% | $50,000 | High Yield Money Market - FDIC insured. Open an account online or by phone! |
| iGOBanking Rates as of Sep. 2nd | MMA | 1.20% | 1.21% | $25,000 | |
| WTDirect Rates as of Sep. 2nd | Savings | 1.20% | 1.21% | $10,000 | WTDirect Savings Account |
| Dollar Savings Direct Rates as of Sep. 2nd | Savings | 1.20% | $1 | ||
| Transportation Alliance Bank Rates as of Sep. 2nd | MMA | 1.19% | 1.20% | $1 | |
| Discover Bank Rates as of Sep. 2nd | MMA | 1.19% | 1.20% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 minimum balance fee if average balance is below $2,500 |
| Discover Bank Rates as of Sep. 2nd | MMA | 1.19% | 1.20% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 minimum balance fee if average balance is below $2,500 |
| Discover Bank Rates as of Sep. 2nd | MMA | 1.19% | 1.20% | $50,000 | |
| AIG Bank Rates as of Sep. 2nd | MMA | 1.15% | 1.16% | $10,000 | High Yield Money Market - FDIC insured. Open an account online or by phone! |
| Virtual Bank Rates as of Sep. 2nd | MMA | 1.15% | 1.16% | $100,000 | eMoney Market online account |
| Giantbank Rates as of Sep. 2nd | MMA | 1.16% | $1,000 | ||
| OneUnited Bank Rates as of Sep. 2nd | MMA | 1.15% | 1.15% | $100,000 | UNITY GOLD E-Money Market - Available Online only |
| OneWest Bank Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $25,000 | E-Money Market Tier $25,000 - $49,999 - No check writing privileges - Online account only |
| OneWest Bank Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $1,000 | E-Money Market Tier $1,000 - $9,999 - No check writing privileges - Online account only |
| OneWest Bank Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $10,000 | E-Money Market Tier $10,000 - $24,999 - No check writing privileges - Online account only |
| Excel National Bank Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $250,000 | Premium Money Market - interest rate tiers |
| OneWest Bank Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $10,000 | Premium Money Market - Tiered interest rates - Branch and Call Center Rates/Southern CA residents only - requires premium checking |
| Kirkpatrick Bank Rates as of Sep. 2nd | Savings | 1.15% | $1 | ||
| AmTrust Direct Rates as of Sep. 2nd | MMA | 1.14% | 1.15% | $10,000 | e-Money Market Account - Rate earned on balances up to $24,999.99 |
| Weymouth Bank Rates as of Sep. 2nd | MMA | 1.13% | 1.15% | $50,000 | Regular Money Market - South Shore Massachusetts market area |
| Nationwide Bank Rates as of Sep. 2nd | MMA | 1.15% | $1,000 | ||
| Peoples National Bank (peoplesnatbank.com) Rates as of Sep. 2nd | Savings | 1.15% | 1.15% | $2,500 | Certificate Savings - hybrid savings and certificate account, one time withdrawal per quarter without penalty, transaction limitations - Limited to New York market area |
| Zions Bank Rates as of Sep. 2nd | MMA | 1.10% | 1.11% | $2,500 | Internet Money Market - Tiered rates - APY for balances between $2,500 - $49,999 |
| NorthSide Bank Rates as of Sep. 2nd | MMA | 1.11% | $0 | Money Market Tier $.01 to $24,999 - $10 monthly fee waived with $5,000 minimum daily balance | |
| Hopkins Federal Savings Bank Rates as of Sep. 2nd | MMA | 1.10% | 1.11% | $2,500 | New accounts available for Maryland residents only - must open in person |
| Zions Bank Rates as of Sep. 2nd | MMA | 1.10% | 1.11% | $100,000 | Internet Money Market - Tiered rates - APY for balances over $100,000 |
| Zions Bank Rates as of Sep. 2nd | Savings | 1.10% | 1.11% | $1,000 | Internet Savings |
| Zions Bank Rates as of Sep. 2nd | MMA | 1.10% | 1.11% | $50,000 | Internet Money Market - Tiered rates - APY for balances between $50,000 - $99,999 |
| Rhinebeck Savings Bank Rates as of Sep. 2nd | MMA | 1.10% | 1.11% | $100,000 | Priority Money Market, open with a priority elite checking account and receive extra benefits |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $5,000 | High Yield Money Market Tier $5,000 - $9,999 - No monthly fee - No minimum balance. Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $25,000 | High Yield Money Market Tier $25,000 - $49,999 - No monthly fee - No minimum balance - Rate collected within: 60625 (IL) |
| Salem Five Direct Rates as of Sep. 2nd | Savings | 1.10% | $0 | eOneSavings - Online applicants only, who do not have existing deposit accounts with Salem Five. | |
| Evergreen Bank Group Rates as of Sep. 2nd | MMA | 1.10% | $25,000 | Cornerstone Money Market | |
| Cashmere Valley Bank Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $25,000 | Investment Checking Tier $25,000 - $49,999 - $5 monthly fee waived with $500 minimum daily balance |
| FNBO Direct Rates as of Sep. 2nd | Savings | 1.10% | $1 | Online Savings Act - Rated Kiplinger's Best Online Savings Account, no minimums, no monthly fees, manage accounts securely online | |
| Cashmere Valley Bank Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $15,000 | Investment Checking Tier $15,000 - $24,999 - $5 monthly fee waived with $500 minimum daily balance |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $1 | High Yield Money Market Tier $1 - $4,999 - No monthly fee - No minimum balance. Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $5,000 | High Yield Money Market Tier $5,000 - $9,999 - No monthly fee - No minimum balance. Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $1 | High Yield Money Market Tier $1 - $4,999 - No monthly fee - No minimum balance. Rate collected within: 94115 (CA) |
| Ultima Bank Rates as of Sep. 2nd | Savings | 1.09% | 1.10% | $1,000 | UBM Direct Savings Account |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $10,000 | High Yield Money Market Tier $10,000 - $24,999 - No monthly fee - No minimum balance. Rate collected within: 10025 (NY) |
| HSBC Advance Rates as of Sep. 2nd | Savings | 1.10% | $0 | Online Savings Account - No monthly fees - No minimum balance - No checking account required | |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $25,000 | High Yield Money Market Tier $25,000 - $49,999 - No monthly fee - No minimum balance - Rate collected within: 10025 (NY) |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $10,000 | High Yield Money Market Tier $10,000 - $24,999 - No monthly fee - No minimum balance. Rate collected within: 60625 (IL) |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $25,000 | High Yield Money Market Tier $25,000 - $49,999 - No monthly fee - No minimum balance - Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $1 | High Yield Money Market Tier $1 - $4,999 - No monthly fee - No minimum balance. Rate collected within: 10025 (NY) |
| ING Direct Rates as of Sep. 2nd | Savings | 1.10% | $1 | Orange Savings Account - No fees - No minimum balance - Online account | |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $10,000 | High Yield Money Market Tier $10,000 - $24,999 - No monthly fee - No minimum balance. Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.09% | 1.10% | $5,000 | High Yield Money Market Tier $5,000 - $9,999 - No monthly fee - No minimum balance. Rate collected within: 94115 (CA) |
| West Milton State Bank Rates as of Sep. 2nd | MMA | 1.05% | 1.06% | $2,500 | Money Market Demand Account, APY valid for balances between $2,500 and $24,999 |
| Heritage Bank (heritagebankaz.com) Rates as of Sep. 2nd | MMA | 1.05% | 1.06% | $50,000 | Located in Arizona. Final paperwork needs to be signed in a branch before account can be opened. |
| Emerald Bank Rates as of Sep. 2nd | Savings | 1.05% | 1.05% | $500 | Emerald Prime Saving |
| State Farm Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.04% | 1.05% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 60625 (IL) |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.04% | 1.05% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 10025 (NY) |
| Dime Savings Bank Rates as of Sep. 2nd | MMA | 1.04% | 1.05% | $75,000 | Prime Rewards MMA Passbook |
| State Farm Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.04% | 1.05% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 94115 (CA) |
| American Trust Bank Rates as of Sep. 2nd | MMA | 1.04% | 1.05% | $0 | Money Market Tier $.01 - $99,999 |
| Watertown Savings Bank (wsbny.com) Rates as of Sep. 2nd | Savings | 1.00% | 1.02% | $100 | Limited to Jefferson County NY |
| First City Bank (firstcitybank.com) Rates as of Sep. 2nd | Savings | 1.00% | 1.01% | $0 | Relationship Savings - Requires a FCB Rewards Checking or Classic Checking account - Located in Florida |
| OneUnited Bank Rates as of Sep. 2nd | MMA | 1.01% | 1.01% | $1,000 | UNITY GOLD E-Money Market - Available Online only, tiered rates apply |
| Capital One Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $0 | Rewards Money Market Tier $.01 - $4,999 - Travel, cash and more - Rate collected within: 10025 (NY) |
| First Savings Bank Northwest Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $1,000 | FIRST Money Market Account - tier $1,000 to $4,999 |
| Capital One Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $0 | Rewards Money Market Tier $.01 - $4,999 - Travel, cash and more. Rate collected within: 94115 (CA) |
| Capital One Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $0 | Rewards Money Market Tier $.01 - $4,999 - Travel, cash and more. Rate collected within: 60625 (IL) |
| North Penn Bank Rates as of Sep. 2nd | Savings | 1.00% | 1.01% | $0 | Signature Statement Savings - $2 monthly fee waived with $100 minimum daily balance |
| Virtual Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $50,000 | eMoney Market online account |
| California First National Bank Rates as of Sep. 2nd | Savings | 1.01% | 1.01% | $1,000 | Premium Savings |
| Greystone Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $100,000 | Money Market Savings Account |
| Virtual Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.01% | $95,000 | Savings - Premium Money Market |
| California First National Bank Rates as of Sep. 2nd | MMA | 1.01% | 1.01% | $15,000 | Money Market Checking |
| Acacia Federal Savings Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $75,000 | Tiered Money Market - Rates effective 08/30/2010 |
| AmTrust Direct Rates as of Sep. 2nd | Savings | 1.00% | 1.00% | $1 | e-Savings Account - Rate earned on balances up to $99,999.99. New money only, one account per customer. |
| Emigrant Direct Rates as of Sep. 2nd | Savings | 1.00% | $1 | AmericanDream Savings Account | |
| Amboy Direct Rates as of Sep. 2nd | Savings | 1.00% | 1.00% | $3,000 | eSavings - Apply online or by mail, offer not available at branches. New client offer $50 bonus after 90 days with minimum monthly balance of $3000 for 90 days. Offer good for NJ customers only. |
| 1st Constitution Direct Rates as of Sep. 2nd | Savings | 1.00% | $3,000 | Direct Savings - Internet account | |
| Vist Financial Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $25,000 | Horizon Money Fund - Tiered rates |
| Georgia Primary Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $10,000 | Available only to Georgia residents-limited check writing without fees, monthly maintenance fee of $10 waived with $2,500 daily balance. |
| Cascade Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $40,000 | |
| Bank of Oakfield Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $20,001 | E-Z MM Savings Tier $20,000.01 - $100,000 - $10 monthly fee waived with $500 minimum balance |
| Citizens State Bank Norwood Young America Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $10,000 | Portfolio Money Market - Tier $10,000 - $24,999 - $15 monthly fee is waived with $10,000 minimum daily balance |
| Seacoast Commerce Bank Rates as of Sep. 2nd | MMA | 1.00% | $25,000 | Investor Money Market accounts require $25,000 in New Money to open | |
| Monument Bank Rates as of Sep. 2nd | Savings | 1.00% | 1.00% | $0 | Savings |
| Bellevue State Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $10,000 | Money Market Tier $10,000 - $24,999 - $5 monthly fee waived with $2,500 average daily balance |
| Stonebridge Bank Rates as of Sep. 2nd | MMA | 1.00% | $1 | Premier Money Market Account | |
| First Banking Center Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $250,000 | Premium Money Market Savings |
| Amboy Direct Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $30,000 | Money Market Maximizer - 1.25% for 3 months, Must maintain $30,000 balance for 90 days. New NJ customers only. |
| First East Side Savings Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $100,000 | |
| Boiling Springs Savings Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $25,000 | Money Market Checking- Tiered balances of $25,000 and up |
| Cashmere Valley Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $5,000 | Investment Checking Tier $5,000 - $14,999 - $5 monthly fee waived with $500 minimum daily balance |
| FultDirect.com Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $10,000 | eMoney Market |
| Georgia Primary Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $1 | Available only to Georgia residents-limited check writing without fees, monthly maintenance fee of $10 waived with $2,500 daily balance. |
| Discover Bank Rates as of Sep. 2nd | MMA | 1.00% | 1.00% | $2,500 | Money Market Tier $2,500 - $4,999 - $10 minimum balance fee if average balance is below $2,500 |
| Rome Savings Bank Rates as of Sep. 2nd | MMA | 0.95% | 0.95% | $25,000 | Money Market Savings - Limited transactions |
| Heartland Bank Direct Rates as of Sep. 2nd | Savings | 0.95% | $1 | Performance Savings | |
| Direct Huntington Rates as of Sep. 2nd | Savings | 0.95% | $20,000 | Not available to California residents. | |
| Century Bank Direct Rates as of Sep. 2nd | MMA | 0.95% | $1 | Online MM Rate | |
| Hanmi Bank Rates as of Sep. 2nd | Savings | 0.94% | $500 | Internet Savings - California only | |
| Goldwater Bank Rates as of Sep. 2nd | Savings | 0.94% | 0.94% | $100 | Goldwater Savings - limited transactions |
| State Farm Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 60625 (IL) |
| Think Mutual Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $20,000 | Tiered rates - Apply online or in person - Located in MN |
| Viking Savings Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $10,000 | Tiered rates apply, APY valid for balances of $10,000 to $24,999 |
| TD Bank (Rate in DC) Rates as of Sep. 2nd | Savings | 0.90% | $25,000 | Elite Savings - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| Silvergate Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $100,000 | |
| Cashmere Valley Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $10 | Investment Checking Tier $10 - $4,999 - $5 monthly fee waived with $500 minimum daily balance |
| Excel National Bank Rates as of Sep. 2nd | Savings | 0.90% | 0.90% | $1,000 | Personal Savings |
| Greenville National Bank Rates as of Sep. 2nd | Savings | 0.90% | 0.90% | $200,000 | Premier Gold Personal Savings |
| ADB Bank Rates as of Sep. 2nd | MMA | 0.90% | $0 | Direct Wealth Money Market | |
| E-Loan Rates as of Sep. 2nd | Savings | 0.90% | 0.90% | $100,000 | Savings Plus, customers must make regular monthly deposits into their savings account of at least $100 |
| Ascencia Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $100,000 | Money Market Account Tier 3 |
| State Farm Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 94115 (CA) |
| Virtual Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $25,000 | eMoney Market online account |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 10025 (NY) |
| Ascencia Bank Rates as of Sep. 2nd | Savings | 0.90% | 0.90% | $0 | |
| UnionState Bank Rates as of Sep. 2nd | MMA | 0.90% | 0.90% | $20,000 | High Yield Money Market , located in Alabama and Florida |
| TD Bank (Rate in FL) Rates as of Sep. 2nd | Savings | 0.90% | $25,000 | Elite Savings - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Florida (FL) | |
| Weymouth Bank Rates as of Sep. 2nd | MMA | 0.88% | 0.89% | $25,000 | Regular Money Market - South Shore Massachusetts market area |
| Intervest National Bank Rates as of Sep. 2nd | MMA | 0.87% | 0.87% | $2,500 | Rate available with balances from $2500.00 up to $24,999.99 |
| Kaiser Federal Bank Rates as of Sep. 2nd | MMA | 0.85% | 0.85% | $75,000 | Money Market Saver V |
| E-Loan Rates as of Sep. 2nd | Savings | 0.85% | 0.85% | $50,000 | Savings Plus, customers must make regular monthly deposits into their savings account of at least $100 |
| Hudson City Rates as of Sep. 2nd | MMA | 0.85% | 0.85% | $25,000 | Money Market Tier $25,000 and over - Rate collected within: NY |
| Ascencia Bank Rates as of Sep. 2nd | MMA | 0.85% | 0.85% | $7,500 | Money Market Account Tier 2 |
| Virtual Bank Rates as of Sep. 2nd | MMA | 0.85% | 0.85% | $50,000 | Savings - Premium Money Market |
| Century Bank Direct Rates as of Sep. 2nd | Savings | 0.85% | $1 | Online Savings Rates | |
| Alliance Bank (alliancebank.us) Rates as of Sep. 2nd | MMA | 0.81% | 0.81% | $2,500 | Money Market Tier $2,500 - $24,999 - Located in Wisconsin |
| Principal Bank Rates as of Sep. 2nd | MMA | 0.80% | 0.80% | $250,000 | Money Market Account - tiered rates apply |
| Third Federal S&L Rates as of Sep. 2nd | Savings | 0.80% | 0.80% | $25,000 | High-Yield, Tier 3 Savings |
| TD Bank (Rate in NY) Rates as of Sep. 2nd | Savings | 0.80% | $25,000 | Elite Savings - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.80% | 0.80% | $100 | Money Market Tier $100 - $9,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 10025 (NY) |
| State Farm Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.80% | 0.80% | $100 | Money Market Tier $100 - $9,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 60625 (IL) |
| Bank of Internet Rates as of Sep. 2nd | Savings | 0.80% | 0.80% | $0 | High Yield Savings - Withdrawal limits apply |
| Farmers State Bank (farmersebank.com) Rates as of Sep. 2nd | MMA | 0.80% | 0.80% | $100,000 | Money Market Checking - Tier $100,000 and over - Located in Montana |
| Citizens Bank (Rate in PA) Rates as of Sep. 2nd | MMA | 0.80% | $10,000 | Performance Money Market Tier $10,000 - $2,999,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 19140 (PA) | |
| E-Loan Rates as of Sep. 2nd | Savings | 0.80% | 0.80% | $25,000 | Savings Plus, customers must make regular monthly deposits into their savings account of at least $100 |
| State Farm Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.80% | 0.80% | $100 | Money Market Tier $100 - $9,999 - $10 monthly fee waived with $500 average daily balance and monthly direct deposit - Rate collected within: 94115 (CA) |
| Intervest National Bank Rates as of Sep. 2nd | Savings | 0.77% | 0.77% | $500 | Rate available with balances from $500.00 up to $24,999.99 |
| First National Bank in Philip Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $0 | CMA Tiered Account $2,500 - $24,999 |
| First National Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $100 | Savings Account - Located in Oklahoma |
| Crossroads Bank (crossroadsbanking.com) Rates as of Sep. 2nd | MMA | 0.75% | $10,000 | MMAX Money Market $10,000 and over - Located in Indiana | |
| First National Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $10,000 | Money Market Account Tier 2 $10,000-$99,999 - Located in Oklahoma |
| NBT Bank Rates as of Sep. 2nd | MMA | 0.75% | $50,000 | Premium Money Market - Tier 2 rate, account must be linked to a Star Privilege Premium Checking Account, limited to local New York market area | |
| Heritage Bank (heritagebankna.com) Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $1,000 | Heritage Direct Savings. (Located in MN) |
| First Mariner Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $20,000 | Treasury Money Market - tier 20,000-49,999 |
| Saigon National Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $1,000 | Regular Savings Account - No monthly fee if you maintain a minimum daily balance of $200.00 or a monthly average balance of $400.00. |
| Acacia Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $25,000 | Tiered Money Market - Rates effective 08/30/2010 |
| Silvergate Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $50,000 | |
| Zions Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $1,000,000 | Gold Money Market Account |
| Farmers and Merchants State Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $0 | Money Tree Savings |
| Viking Savings Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $0 | Statement Savings - $2 monthly fee if balance drops below $75 |
| Metro Phoenix Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $25,000 | Personal Metro Money Market - tiered rates apply |
| Community First Bank - Chicago Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $300 | Statement Savings |
| Bellevue State Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $10 | Savings Account |
| Bank of Internet Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $1 | Money Market Savings Account |
| Zions Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $250,000 | Gold Money Market Account |
| E-Loan Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $10,000 | Savings Plus, customers must make regular monthly deposits into their savings account of at least $100 |
| Ridgestone Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $40,000 | Personal Money Market Account - limited transfers and check writing, rates may vary by location |
| South LaFourche Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $100 | Regular Savings - $100 and over - $3 monthly fee waived with $300 minimum daily balance |
| First Internet Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $1,000 | Regular Savings |
| 1st National Bank (fnbscott.com) Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $1,000 | Money Market Deposit Account - $5 monthly fee waived with $1,000 average daily balance - Located in Kansas |
| Savers Bank Rates as of Sep. 2nd | MMA | 0.74% | 0.75% | $10,000 | Tiered rates apply, APY valid for balances between $10,000 and $49,999 |
| South LaFourche Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $2,500 | Top Yield Checking Tier $2,500 - $39,999, $25 minimum balance fee if balance drops below $2,500 during cycle |
| Excel National Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $10,000 | Premium Money Market - interest rate tiers, APY up to $49,999.99 |
| First Trade Union Bank Rates as of Sep. 2nd | Savings | 0.75% | 0.75% | $2,500 | High and Mighty Savings - Open account online, new money only |
| Boiling Springs Savings Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $10,000 | Money Market Checking- Tiered balances of $10,000 - $24,999 |
| Greystone Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $50,000 | Money Market Savings Account |
| The Bank of Southern Connecticut Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $0 | Personal Money Market Tier $0 - $39,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| Citizens First Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $10,000 | Money Market Tier $10,000 - $34,999 - Located in Wisconsin |
| Genesee Regional Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $50,000 | Limited to New York market area |
| Monument Bank Rates as of Sep. 2nd | MMA | 0.75% | 0.75% | $5,000 | Money Market Tier $5,000 - $24,999 |
| Bank of Internet Rates as of Sep. 2nd | Savings | 0.71% | 0.71% | $1 | Advantage Savings - Limited Bill Payment service access, account has withdrawal limitations |
| Washington Savings Bank Rates as of Sep. 2nd | MMA | 0.70% | 0.71% | $10 | Money Market Tier $25,000 - $49,999 - Must maintain $2,500 balance to avoid monthly service fee |
| Citizens Bank (Rate in MA) Rates as of Sep. 2nd | MMA | 0.70% | $10,000 | Performance Money Market Tier $10,000 - $2,999,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 02144 (MA) | |
| Banterra Bank Rates as of Sep. 2nd | MMA | 0.70% | 0.70% | $25,000 | Banterra's Preferred Money Market Tier $25,000 - $99,999 - $10 monthly fee waived with $10,000 combined daily balances in qualifying accounts - Rate collected within: IL |
| MetroBank Rates as of Sep. 2nd | MMA | 0.70% | $0 | $25,000-$49,999 | |
| Zions Bank Rates as of Sep. 2nd | MMA | 0.70% | 0.70% | $100,000 | Gold Money Market Account - Tiered rates - APY for balances between $100,000 - $249,999 |
| Principal Bank Rates as of Sep. 2nd | MMA | 0.70% | 0.70% | $100,000 | Money Market Account - tiered rates apply |
| Tompkins Trust Company Rates as of Sep. 2nd | Savings | 0.70% | $50,000 | True Advantage Statement Savings - Requires True Advantage Checking or Checking Plus Account, limited to local New York market area | |
| Coppermark Bank Rates as of Sep. 2nd | MMA | 0.70% | 0.70% | $25,000 | Collected within Oklahoma, $25,000-$50,000 |
| Bank of Oklahoma Rates as of Sep. 2nd | MMA | 0.70% | 0.70% | $25,000 | Premier Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $2,500 average daily balance |
| Boiling Springs Savings Bank Rates as of Sep. 2nd | MMA | 0.65% | 0.65% | $10,000 | Money Market Savings-Tiered Balances of $10,000-$24,999.99 |
| Vist Financial Rates as of Sep. 2nd | MMA | 0.65% | 0.65% | $5,000 | Horizon Money Fund - Tiered rates |
| Bremer Bank Rates as of Sep. 2nd | MMA | 0.65% | $25,000 | Money Market Investment- Tiered balances of $25,000 and up. $10 monthly service charge applies if minimum balance is not maintained. | |
| First East Side Savings Bank Rates as of Sep. 2nd | MMA | 0.65% | 0.65% | $25,000 | |
| Virtual Bank Rates as of Sep. 2nd | MMA | 0.65% | 0.65% | $25,000 | Savings - Premium Money Market |
| Union Center National Bank Rates as of Sep. 2nd | MMA | 0.61% | 0.61% | $20,000 | Money Market Tier $20,000 - $49,999 |
| North American Savings Bank Rates as of Sep. 2nd | MMA | 0.61% | $25,000 | Money Market Tier $25,000 - $49,999 - $7.50 monthly fee waived with $1,000 minimum daily balance | |
| Bank of Oklahoma Rates as of Sep. 2nd | MMA | 0.60% | 0.60% | $10,000 | Premier Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $2,500 average daily balance |
| Hudson City Rates as of Sep. 2nd | MMA | 0.60% | 0.60% | $10,000 | Money Market Tier $10 - $24,999 - Rate collected within: NY |
| Provident Bank (myprovident.com) Rates as of Sep. 2nd | MMA | 0.60% | $25,000 | Money Market Plus Tier $25,000 - $49,999 - This account requires opening and maintaining a separate checking account with monthly direct deposit - Located in CA | |
| MetLife Bank Rates as of Sep. 2nd | MMA | 0.60% | $25,000 | Money Market Tier $25,000 - $49,999 - $15 monthly fee waived with $1,500 minimum daily balance | |
| USAA Bank Rates as of Sep. 2nd | MMA | 0.60% | $25,000 | Performance First Savings Tier $25,000 - $49,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details. | |
| Kirkwood Bank Rates as of Sep. 2nd | Savings | 0.60% | 0.60% | $5,000 | Statement Savings - Tier 2 $5,000 and up |
| GCF Bank Rates as of Sep. 2nd | Savings | 0.60% | 0.60% | $100 | CyberSaver Promo - Introductory rate for first 90 day |
| UnivestDirect Rates as of Sep. 2nd | Savings | 0.60% | 0.60% | $1 | Anytime Online Savings Account |
| Warsaw Federal Savings and Loan Rates as of Sep. 2nd | Savings | 0.60% | 0.60% | $10,000 | Statement Premier Savings Tier $10,000 - $49,999 |
| MetLife Bank Rates as of Sep. 2nd | Savings | 0.60% | $25,000 | High Yield Savings Account | |
| AIG Bank Rates as of Sep. 2nd | MMA | 0.58% | 0.58% | $2,500 | High Yield Money Market - FDIC insured. Open an account online or by phone! |
| First Federal Savings Bank of Elizabethtown Rates as of Sep. 2nd | MMA | 0.56% | 0.56% | $25,000 | Premier Money Market, tier $0.01 to $24,999 - Rate collected within: 40201 (KY) |
| First Niagara Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $25,000 | Relationship Builder Money Market Tier $24,999 - $49,999 - Monthly fee waived with $2,500 minimum daily balance - Rate listed is available for new accounts opened at branch locations. |
| Think Mutual Bank Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $5,000 | Tiered rates - Apply online or in person - Located in MN |
| North Penn Bank Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $2,500 | Money Market Tier $2,500 and up |
| USAA Bank Rates as of Sep. 2nd | MMA | 0.55% | $10,000 | Performance First Savings Tier $10,000 - $24,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details. | |
| Susquehanna Bank Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $25,000 | Premium Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| Independence Bank (independence-bank.net) Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $75,000 | Super Money Market - Located in California - Account only available in market area |
| Valley Community Bank Rates as of Sep. 2nd | MMA | 0.55% | 0.55% | $10,000 | Money Market Tier $10,000.01 - $50,000 - Located in Illinois |
| NorthSide Bank Rates as of Sep. 2nd | Savings | 0.55% | $0 | Shooting Star Savings - $3 quarterly fee waived with $100 average daily balance | |
| North American Savings Bank Rates as of Sep. 2nd | MMA | 0.51% | $0 | Money Market Tier $.01 - $24,999 - $7.50 monthly fee waived with $1,000 minimum daily balance | |
| Lytle State Bank Rates as of Sep. 2nd | MMA | 0.51% | 0.51% | $500 | |
| Cascade Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | |
| First Shore Federal Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | Money Market Savings |
| North Dallas Bank and Trust Co. Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | MoneyMax Tier $25,000 - $49,999 - $15 monthly fee waived with $2,500 minimum daily balance |
| FNBT.COM Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5,000 | Preferred Savings - $5,000 and over |
| FNBT.COM Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | Money Market Tier $25,000 - $49,999 |
| Mansfield Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | Money Market Checking |
| Charles Schwab Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $50,000 | Rate applies to balances $50,000-$99,999.99 |
| Boiling Springs Savings Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $0 | Money Market Checking- Tiered balances of $0.01-$9,999.99 |
| American Bank of Texas Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | MM Tier $25,000 - $49,999 - $12 monthly fee waived with $2,000 minimum daily balance - Apply online or at branch |
| East Boston Savings Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | tier $25,000 to $49,999 |
| TCF Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | Power Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $1,500 minimum daily balance - Rate collected within: IL |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $50,000 | Transaction limitations - Located in New York - tier 50,000 or more |
| First State Bank of Wyoming Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $25,000 | Insured Money Market Account - $25,000 minimum |
| Provident Bank (myprovident.com) Rates as of Sep. 2nd | MMA | 0.50% | $10,000 | Money Market Plus Tier $10,000 - $24,999 - This account requires opening and maintaining a separate checking account with monthly direct deposit - Located in CA | |
| Vist Financial Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $1,500 | Horizon Money Fund - Tiered Rates |
| Wells River Savings Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | Money Market Tier $2,500 - $24,999 |
| The First Central National Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | |
| The First Central National Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $50 | Statement Savings |
| First National Bank in Philip Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $0 | |
| Citizens State Bank Norwood Young America Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $0 | Passbook Savings |
| Coppermark Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Collected within Oklahoma, $10,000-$25,000 |
| First Southern Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Money Market Tier $10,000 - $24,999 |
| Wells River Savings Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $100 | Statement Savings |
| Bank Gloucester Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $0 | Statement Savings |
| First State Bank (firststatebankky.com) Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $200 | Passbook Savings |
| Wakefield Co-operative Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Ultimate Money Market Tier - $10,000 - $24,999 |
| Superior Savings Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5 | Super Saver Account - SSB does not accept CD or Savings applications out of the Superior WI and surrounding area unless there is previous or existing account on record |
| Central Bank Illinois Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $5,000 | Money Market Savings Tier $5,000 - $24,999 |
| Cornhusker Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $1 | Goal Setter Savings Account |
| First Mariner Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Treasury Money Market, tier 10,000-19,999 |
| First State Bank (firststatebankky.com) Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $500 | Money Market - $10 service fee if balance falls below $2,500 - Located in Kentucky |
| First State Bank of Forrest Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $1,000 | Money Market Account |
| Farmers and Merchants National Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5 | Personal Savings - No monthly fees |
| Lafayette Savings Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Access Plus Money Market Tier $10,000 - $24,999 |
| Community Bank of Trenton Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Gold Money Market Tier $10,000 - $24,999 - $15 monthly fee waived with $2,500 minimum daily balance |
| The Baldwin State Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $5,000 | Money Market, Tiered rates apply, APY valid for balances between $5,000 and $20,000 |
| SuffolkFirst Bank Rates as of Aug. 30th | Savings | 0.50% | 0.50% | $100 | Statement Savings |
| E-Loan Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5,000 | Savings Plus, customers must make regular monthly deposits into their savings account of at least $100 |
| The Antwerp Exchange Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $10,000 | Platinum Investment Savings Tier $10,000 - $24,999 |
| AmTrust Direct Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $1 | e -Money Market Account - Rate earned on balances up to $999.99 |
| County Savings Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $10,001 | Passbook Savings, tiered rates apply |
| Community Bank (nevadacb.com) Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $100 | Savings Account - Located in Iowa |
| 1st National Bank (fnbscott.com) Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $12 | Located in Kansas |
| Acacia Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Tiered Money Market - Rates effective 08/30/2010 |
| Doral Bank Direct Rates as of Sep. 2nd | Savings | 0.50% | $1,000 | Doral Direct Savings | |
| Citizens Bank Rates as of Sep. 2nd | MMA | 0.50% | $10,000 | Performance Money Market Tier $10,000 - $2,999,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 10025 (NY) | |
| Community Bank (nevadacb.com) Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | Money Market Account - Located in Iowa |
| Virtual Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $5,000 | Savings - Premium Money Market |
| Gerber State Bank Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5 | Passbook Savings |
| The Bank of Southern Connecticut Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $0 | Statement Savings Tier $0 - $39,999 - $3 monthly fee waived with $1,000 minimum daily balance |
| Carthage Savings and Loan Association Rates as of Sep. 2nd | Savings | 0.49% | 0.50% | $10 | Limited to local New York market area |
| M and T Bank Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $1 | e-Money Market - All balances - Online only - No monthly fee - $1 per withdrawals in excess of 4 per month - Rate collected within: 10025 (NY) |
| Greenleaf Wayside Bank Rates as of Sep. 2nd | Savings | 0.49% | 0.50% | $5,000 | Regular Savings - tiered rates apply |
| Commercial Bank and Trust of Pennsylvania Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $5,000 | Prosperity Plus Savings account - not available for business deposit customers |
| Northwest Savings Bank Rates as of Sep. 2nd | Savings | 0.50% | $100 | Statement Savings - Limited to local western New York market area | |
| Citizens Federal Savings Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $1 | |
| Bank Gloucester Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $10,000 | Premier Plus Money Market Tier $10,000 - $49,999 |
| First National Bank and Trust Company of Ardmore, Oklahoma Rates as of Sep. 2nd | MMA | 0.50% | 0.50% | $2,500 | First Class Money Market Account - rate effective for balances up to $10,000 - tiered rates apply |
| First National Bank and Trust Company of Ardmore, Oklahoma Rates as of Sep. 2nd | Savings | 0.50% | 0.50% | $0 | Regular Savings |
| Alliance Bank (alliancebank.us) Rates as of Sep. 2nd | Savings | 0.49% | 0.49% | $25 | Savings - Located in Wisconsin |
| USAA Bank Rates as of Sep. 2nd | MMA | 0.45% | $0 | Performance First Savings Tier $0 - $9,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details. | |
| Bank of America (Rate in IL) Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $25,000 | Growth Money Market - Standard Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: IL |
| TD Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.45% | $25,000 | Choice Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| MetLife Bank Rates as of Sep. 2nd | MMA | 0.45% | $10,000 | Money Markey Tier $10,000 - $24,999 - $15 monthly fee waived with $1,500 minimum daily balance | |
| Middletown Valley Bank Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $25,000 | Premium Money Market |
| Commercial Bank Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $10,000 | Investors Checking Tier $10,000 - $29,999 - Service charge if balance falls below $10,000 |
| Community Bank, NA Rates as of Sep. 2nd | Savings | 0.45% | $500 | Premium Savings - Limited to New York and Pennsylvania market area | |
| TD Bank (Rate in FL) Rates as of Sep. 2nd | MMA | 0.45% | $25,000 | Choice Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Florida (FL) | |
| Mansfield Bank Rates as of Sep. 2nd | Savings | 0.45% | 0.45% | $25 | Premium Statement Savings - Requires a Premium Checking account to earn stated APY |
| North Dallas Bank and Trust Co. Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $10,000 | MoneyMax Tier $10,000 - $24,999 - $15 monthly fee waived with $2,500 minimum daily balance |
| MetLife Bank Rates as of Sep. 2nd | Savings | 0.45% | $10,000 | High Yield Savings Account- APY for balances up to $24,999 | |
| Bank of America (Rate in NY) Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $25,000 | Growth Money Market - Standard Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: NY |
| TD Bank (Rate in DC) Rates as of Sep. 2nd | MMA | 0.45% | $25,000 | Choice Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Washington DC | |
| First Chicago Bank and Trust Rates as of Sep. 2nd | MMA | 0.45% | 0.45% | $0 | Premier Money Market - new accounts only - available online only |
| MetroBank Rates as of Sep. 2nd | MMA | 0.45% | $0 | $10,000-$24,999 | |
| Union Center National Bank Rates as of Sep. 2nd | MMA | 0.44% | 0.44% | $1,000 | Money Market Tier $1,000 - $9,999 |
| Peoples National Bank (pnbon.com) Rates as of Sep. 2nd | MMA | 0.42% | 0.42% | $10,000 | Premium Plus Investment Account Tier $10,000 - $24,999 - Located in Florida |
| Lytle State Bank Rates as of Sep. 2nd | Savings | 0.41% | 0.41% | $100 | Savings Account |
| Community Bank of Trenton Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $0 | Statement Savings - $4 monthly fee waived with $100 minimum daily balance |
| Tompkins Trust Company Rates as of Sep. 2nd | MMA | 0.40% | $25,000 | Personal Money Market - tier $25,000 to $49,999 | |
| US Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Elite Money Market Tier $10,000 - $24,999 - No monthly fee - Rate collected within: 94115 (CA) |
| Citizens Savings Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $1,000 minimum average balance - Located in Pennsylvania |
| Farmington Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $25,000 | tier $25,000 to $49,9999 |
| Farmers State Bank (farmersebank.com) Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $0 | Money Market Checking Tier $.01 - $17,499 - Located in Montana |
| Cornerstone Community Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $0 | Money Market Investment Tier $0 - $24,999 |
| Bank of America (Rate in CA) Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $25,000 | Growth Cash Maximizer - Standard Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: CA |
| The Baldwin State Bank Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $5,000 | Regular Savings, Tiered rates apply, APY valid for balances between $5,000 and $20,000 |
| HSBC Advance Rates as of Sep. 2nd | MMA | 0.40% | $50,000 | Premium Money Market Plus - Tiered rates Tiered rates APY for balances between $50,000 - $74,999 - Online account | |
| Community Business Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Money Market Tier $10,000.01 - $50,000 |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Transaction limitations - Located in New York - tier 10,000-24,999 |
| Bremer Bank Rates as of Sep. 2nd | MMA | 0.40% | $10,000 | Money Market Investment- Tiered balances of $10,000-$24,999. $10 monthly service charge if minimum balance is not maintained. | |
| First Shore Federal Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $200 | Passbook Savings |
| Astoria Federal Savings Bank Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $0 | Statement Savings |
| North Dallas Bank and Trust Co. Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $2,500 | MoneyMax Tier $2,500 - $9,999 - $15 monthly fee waived with $2,500 minimum daily balance |
| Farmers State Bank (farmersebank.com) Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $0 | Regular Savings - Located in Montana |
| American Bank of Texas Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | MM Tier $10,000 - $24,999 - $12 monthly fee waived with $2,000 minimum daily balance - Apply online or at branch |
| First State Bank of Forrest Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $1 | Savings Account |
| Farmers and Merchants State Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $5,000 | Money Market Savings Tier $5,000 - $24,999 - $10 monthly fee if average daily balance falls below $1,000 |
| HSBC Rates as of Sep. 2nd | MMA | 0.40% | $50,000 | Premium Money Market Plus - Tiered rates APY for balances between $50,000 - $74,999 - Balance requirement and APY apply to accounts opened at an HSBC branch or by phone | |
| First Federal Savings and Loan Association of Lakewood Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Better than a T-Bill Freedom Money Market - must also have at least $500 in a First Federal checking account |
| Susquehanna Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| The First Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $10,000 | First Choice Money Market Tier $10,000 - $49,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| PNC Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $25,000 | Money Market Tier $25,000 - $50,000 - $10 monthly fee waived with $1,000 average monthly balance - Rate collected within: 10025 (NY) |
| Kirkwood Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $2,500 | Money Market Checking |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $25,000 | Transaction limitations - Located in New York - tier 25,000-49,999 |
| US Bank Rates as of Sep. 2nd | MMA | 0.40% | 0.40% | $25,000 | Elite Money Market Tier $25,000 - $49,999 - No monthly fee - Rate collected within: 94115 (CA) |
| First National Bank of Kansas Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $100 | Regular Savings Account |
| E*Trade Bank Rates as of Sep. 2nd | Savings | 0.40% | $1 | Complete Savings Account | |
| SuffolkFirst Bank Rates as of Aug. 30th | MMA | 0.40% | 0.40% | $2,500 | Money Market Tier $2,500 - $49,999 - $10 monthly fee if $2500 minimum balance is not maintained |
| First State Bank of Harvey Rates as of Sep. 2nd | Savings | 0.40% | 0.40% | $1 | Regular Savings Account. Interest compounded and paid quarterly. |
| NewPortFed Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $2,500 minimum balance |
| The Antwerp Exchange Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $1,000 | Money Market Golden Investment Savings - If the account balance falls below $1,000, account will earn Regular Savings APY |
| Crossroads Bank (crossroadsbanking.com) Rates as of Sep. 2nd | Savings | 0.35% | $1,000 | Statement Savings - Tier $1,000 and up - Located in Indiana | |
| River Valley Financial Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Money Market Tier $10,000 - $24,999 |
| Bryn Mawr Trust Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $25,000 | Personal Market Rate-$25,000 - $49,999 - Bank Located in PA |
| Solvay Bank Rates as of Sep. 2nd | Savings | 0.35% | 0.35% | $1 | Statement Savings Account |
| The Huntington National Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $20,000 | Premier Money Market Tier $20,000 - $49,999 - $10 monthly fee is waived with $2,000 minimum daily balance or with a linked HNB qualifying checking account - Stated rate is for new accounts only |
| RiverWood Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Reward Money Market Savings, tiered rates apply, APY valid for balances between $10,000 to $24,999, must have Reward Checking to qualify for this account - $20 monthly fee waived with $2,500 minimum daily balance |
| Commonwealth Community Bank Rates as of Sep. 2nd | Savings | 0.35% | 0.35% | $0 | Regular Savings - $2 monthly fee waived with $100 minimum daily balance |
| Fort Jennings State Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Money Market Plus Tier $10,000 - $24,999 |
| Genesee Regional Bank Rates as of Sep. 2nd | Savings | 0.35% | $100 | Statement Savings - Limited to New York market area | |
| Poplar Grove State Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $2,500 | Money Market Account - $5 monthly fee is waived with $1,000 average daily balance |
| Bank of America (Rate in NY) Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Growth Money Market - Standard Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: NY |
| Standing Stone National Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $5,000 | Tiered rates apply, APY valid for balances between $5,000 and $24,999, $10 monthly fee waived with $1,500 minimum daily balance |
| Webster Bank Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $25,000 | Premium Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $2,500 minimum daily balance |
| Branch Banking and Trust Rates as of Sep. 2nd | Savings | 0.35% | 0.35% | $0 | eSavings Online Only - $0 and up - No monthly fee |
| MetroBank Rates as of Sep. 2nd | MMA | 0.35% | $0 | $1,000-$9,999 | |
| Bank of America (Rate in IL) Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $10,000 | Growth Money Market - Standard Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: IL |
| First National Bank of McConnelsville Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $2,500 | HIFI Money Market Checking Tier up to $24,999 |
| Bank of Oklahoma Rates as of Sep. 2nd | MMA | 0.35% | 0.35% | $0 | Premier Money Market Tier $0 - $9,999 - $10 monthly fee waived with $2,500 average daily balance |
| First Community Bank (fcbwky.com) Rates as of Sep. 2nd | Savings | 0.31% | $0 | Pass Book Savings - Located in Kentucky | |
| Pioneer Bank Rates as of Sep. 2nd | MMA | 0.30% | $50,000 | Pinnacle Money Market Tier V - Tiered interest rate for up to $99,999.99. Contact bank to see how you can earn an additional 0.25%. Limited to New York market area. | |
| BBVA Compass (Rate in CA) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $20,000 | Preferred Money Market - $20,000 - $49,999 - $15 monthly fee waived with $10,000 minimum daily balance or a $25 transfer from a BBVA Compass checking account - Rate collected within Northern CA |
| Farmers and Merchants National Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $2,500 minimum daily balance |
| Sovereign Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 60625 (IL) |
| Skylands Community Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $1,000 | Money Market Account |
| Commerce Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Premium Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 94115 (CA) |
| Gate City Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $500 | Money Market Savings $500 and up - Rate collected within: Fargo ND |
| BBVA Compass Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $20,000 | Preferred Money Market Tier $20,000 - $49,999 - $15 monthly fee waived with $10,000 minimum daily balance or a $25 transfer from a BBVA Compass checking account - Rate collected within: Northern CA |
| Bremer Bank Rates as of Sep. 2nd | MMA | 0.30% | $5,000 | Money Market Savings Tier $5,000 and up - $10 monthly fee waived with $1,000 minimum daily balance | |
| BBVA Compass (Rate in AL) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $20,000 | Preferred Money Market - $20,000 - $49,999 - $15 monthly fee waived with $10,000 minimum daily balance or a $25 transfer from a BBVA Compass checking account - Rate collected within Birmingham, AL |
| BBVA Compass (Rate in FL) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $20,000 | Preferred Money Market - $20,000 - $49,999 - $15 monthly fee waived with $10,000 minimum daily balance or a $25 transfer from a BBVA Compass checking account - Rate collected within Jacksonville, FL |
| Republic Bank of Chicago Rates as of Sep. 2nd | MMA | 0.30% | $10,000 | Power Index Account - tier $10,000 to $49,000 | |
| Skylands Community Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Platinum Money Market Account - tier 25,000-49,999 |
| Commerce Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Premium Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 60625 (IL) |
| Commerce Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $25,000 | Premium Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 10025 (NY) |
| First Tennessee Bank Rates as of Sep. 2nd | MMA | 0.30% | $25,000 | Money Market Tier $25,000 - $49,999 - $9 monthly fee waived with qualifying checking account or with $5,000 combined balances in qualifying accounts - Opening deposit varies by market | |
| First Southern Bank Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $25 | Statement Savings |
| Investors Savings Bank Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $50 | Statement Savings Account |
| First National Bank of McConnelsville Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $25 | Statement Savings $1,000 - $9,999 |
| Citizens Savings Bank Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $0 | Regular Passbook Savings - all balances - $2 monthly fee waived with $100 minimum daily balance - Located in Pennsylvania |
| Chicago Community Bank Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $1,000 | Golden Passbook Savings |
| PNC Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 10025 (NY) |
| Villa Grove State Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $1,000 | MMDA - Money Market Deposit Account - $1 charge per withdrawal |
| The First Bank and Trust Company of Murphysboro Rates as of Sep. 2nd | Savings | 0.29% | 0.30% | $1 | Passbook Savings |
| Simsbury Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $10,000 | Personal Money Market, tiered rates apply, APY valid for balances between $10,000 and $24,999 |
| Windsor Federal Savings and Loan Association Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $100 | Passbook Savings |
| Superior Savings Bank Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $1,000 | |
| Bank of Wrightsville Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $1,000 | Money Market Account |
| Alliance Bank (alliancebankna.com) Rates as of Sep. 2nd | MMA | 0.30% | 0.30% | $2,500 | Transaction limitations - Located in New York - tier 2,500-9,999 |
| Citizens First Bank Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $0 | Passbook Statement Savings - Located in Wisconsin |
| Unity Bank North Rates as of Sep. 2nd | Savings | 0.30% | 0.30% | $1 | Savings Account |
| Ames Community Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.26% | $5,000 | Community Money Market Tier $5,000 - $9,999 - $8 monthly fee waived with $5,000 minimum daily balance |
| Somerset Hills Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $1 | Passbook Savings Tier $.01 - $9,999 - $5 quarterly fee waived with $100 minimum daily balance |
| The First Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $5,000 | First Choice Money Market Tier $5,000 - $9,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| Cornhusker Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Tier $10,000 - $49,999 |
| First Capital Bank of Kentucky Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $1,000 | Gold Money Market Deposit Account Tier $1,000 - $49,999 |
| Skylands Community Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Platinum Money Market Account - tier 10,000-24,999 |
| Central Bank Illinois Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $100 | Statement Savings - $5 monthly fee waived with $100 average daily balance |
| MB Financial Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | Money Market Account Tier $2,500 - $24,999 - Rate collected within: 60625 (IL) |
| First National Bank Omaha Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Customer First Money Market Tier $25,000 - $99,999 - Monthly fee waived with $5,000 minimum daily balance |
| Amegy Bank of Texas Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | High Yield Internet Savings Tier $25,000 - $49,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| HSBC Rates as of Sep. 2nd | MMA | 0.25% | $15,000 | Premium Money Market Plus - Tiered rates APY for balances between $15,000 - $49,999 - Stated rate is for accounts opened at an HSBC branch or by phone | |
| East Boston Savings Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | tier $2,500 to $24,999 |
| The First Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $1 | First Choice Money Market Tier $0 - $4,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| Eastern Bank Rates as of Sep. 2nd | MMA | 0.00% | 0.25% | $0 | Tiered Select Money Market - rate effective for balances up to $2,499 |
| First Bank Des Moines Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | First Preference Money Market Tier $10,000 - $24,999 - First Preference Checking account required |
| Bryn Mawr Trust Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Personal Market Rate-$10,000 - $24,999 - Bank Located in PA |
| Wakefield Co-operative Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Passbook Savings - no minimum balance to earn stated APY |
| TCF Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Power Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $1,500 minimum daily balance - Rate collected within: IL |
| First City Bank (firstcitybank.com) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Tier $10,000 - $24,999 - $2,500 minimum daily balance to avoid $10 monthly service fee - Located in Florida |
| Commercial Bank and Trust of Pennsylvania Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Money Market Investment - up to $25,000, $10 monthly service fee is waived with $1,000 minimum balance |
| TD Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.25% | $10,000 | Choice Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| Flagstar Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Money Market Tier $25,000 - $49,999 - $25 monthly fee waived with $5,000 minimum daily balance - Rate collected within: 49201 (MI) |
| American Trust Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Regular Savings - $3 monthly fee waived with $200 minimum daily balance |
| Charles Schwab Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Money Market Deposit Account (MMDA) Tier $0 - $2,499 - No monthly fee |
| Charles Schwab Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | Money Market Deposit Account (MMDA) Tier $2,500 - $9,999 - No monthly fee |
| Eastern Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Statement Savings |
| Bank of Botetourt Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $100 | Personal Savings |
| Savers Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $1 | School Savings Account |
| American Bank of Texas Rates as of Sep. 1st | MMA | 0.25% | 0.25% | $0 | MM Tier $0 - $999 - $12 monthly fee waived with $2,000 minimum daily balance - Apply online or at branch |
| American Bank of Texas Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $1,000 | MM Tier $1,000 - $2,499 - $12 monthly fee waived with $2,000 minimum daily balance - Apply online or at branch |
| American Bank of Texas Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | MM Tier $2,500 - $9,999 - $12 monthly fee waived with $2,000 minimum daily balance - Apply online or at branch |
| Astoria Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Insured Money Maker Tier $10,000 - $49,999 |
| Windsor Federal Savings and Loan Association Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $1 | Money Market Account Tier $0 - $2,499 |
| Allstate Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $15,000 | Insured Money Market - tier $15,000 to $50,000 |
| Sovereign Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 60625 (IL) |
| Cathay Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Smart Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| Bank of Charles Town Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Peak Performance Money Market Tier $.01 - $24,999 |
| First National Bank of St. Louis Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Personal Money Market - tier $25,000 and over - Missouri rate table |
| MetLife Bank Rates as of Sep. 2nd | MMA | 0.25% | $5,000 | Money Market Tier $5,000 - $9,999 - $15 monthly fee waived with $1,500 minimum daily balance | |
| MB Financial (Rate in IL) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | $25,000 - $99,999 - Rate collected within Chicago, IL |
| Cornerstone Community Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Passbook Savings $0 - $49,999 |
| MB Financial (Rate in PA) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | $25,000 - $99,999 - Rate collected within Philadelphia, PA |
| MB Financial (Rate in IL) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | $2,500 - $24,999 - Rate collected within Chicago, IL |
| MB Financial (Rate in PA) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | $2,500 - $24,999 - Rate collected within Philadelphia, PA |
| Provident Bank (myprovident.com) Rates as of Sep. 2nd | MMA | 0.25% | $2,500 | Money Market Plus Tier $2,500 - $9,999 - This account requires opening and maintaining a separate checking account with monthly direct deposit - Located in CA | |
| Investors Savings Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $500 | Tiered Preferred Money Market Account - rate effective for balances up to $4,999 |
| Lafayette Savings Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $250 | Statement Savings |
| TD Bank (Rate in DC) Rates as of Sep. 2nd | MMA | 0.25% | $10,000 | Choice Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Washington DC | |
| Cascade Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | |
| Bank of the West Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $10,000 | Online Savings Account - online only, must have a Bank of the West checking account |
| Monroe Bank and Trust Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Plus - tier $10,000 to $24,999 |
| Fifth Third Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Goal Setter Savings Tier $.01 - $49,999 - No monthly fees - Rate collected within: 60625 (IL) |
| The First Bank and Trust Company of Murphysboro Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Money Market Checking - $10 monthly fee is waived with $2,500 minimum daily balance, $10 fee for each debit in excess of 3 per month |
| CoreFirst Bank and Trust Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Money Market One - Tiered rates - $10 monthly fee waived with $1,000 minimum daily balance |
| First Enterprise Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $100 | Personal Savings Account |
| Community Business Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Regular Savings Account |
| PeoplesBank (bankatpeoples.com) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10 | Money Market One - Stated rate applies to balances $10 and higher - Located in Massachusetts |
| The Adirondack Trust Company Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $50 | Regular Passbook |
| Charles Schwab Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Deposit Account (MMDA) Tier $10,000 - $49,999 - No monthly fee |
| Bank of Botetourt Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $10,000 | Money Market Checking Tier $10,000 - $24,999 |
| Villa Grove State Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Passbook Savings |
| First National Bank of Groton Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $1 | Limited to local New York market area |
| Standing Stone National Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Savings Account - $2 monthly fee waived with $250 minimum daily balance |
| Peoples Bank (peoplesbank-wa.com) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Money Market $25,000-$50,000 Rates Collected within Whatcom County |
| North Shore Community Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | $25,000 - $99,999 |
| The Antwerp Exchange Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | Regular Savings - $1 monthly service fee if daily balance drops below $100 |
| HSBC Advance Rates as of Sep. 2nd | MMA | 0.25% | $15,000 | Premium Money Market Plus - Tiered rates Tiered rates APY for balances between $15,000 - $49,999 - Online account | |
| MB Financial Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Money Market Tier $25,000 - $99,999 - Rate collected within: 60625 (IL) |
| Comerica Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $15,000 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $15,000-$499,999. Rate collected within: 60625 (IL) |
| First Mariner Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $1,000 | Treasury Money Market, tier 1000-9,999.99 |
| Acacia Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $0 | Tiered Money Market - Rates effective 08/30/2010 |
| United Valley Bank Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $1,000 | Valley Preferred Savings Tier - $1,000 and above |
| Watertown Savings Bank (watertownsavings.com) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $25,000 | Tiered rates - $10 monthly fee waived with $5,000 minimum daily balance - Apply online or in person - Located in MA |
| Watertown Savings Bank (watertownsavings.com) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $2,500 | Tiered rates - $10 monthly fee waived with $5,000 minimum daily balance - Apply online or in person - Located in MA |
| Comerica Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.25% | 0.25% | $15,000 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $15,000-$499,999. Rate collected within: 10025 (NY) |
| TD Bank (Rate in FL) Rates as of Sep. 2nd | MMA | 0.25% | $10,000 | Choice Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Florida (FL) | |
| Bank of Oakfield Rates as of Sep. 2nd | Savings | 0.25% | 0.25% | $0 | E-Z Savings - $5 monthly fee waived with $100 minimum balance |
| BBVA Compass Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Preferred Money Market Tier $10,000 - $19,999 - $15 monthly fee waived with $10,000 minimum daily balance or with automatic $25 transfer from BBVA checking account - Rate collected within: Northern California |
| KeyBank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $25,000 | Key Silver Money Market Tier $25,000 - $49,999 - $12 monthly fee waived with $5,000 minimum daily balance, $25 direct deposit into account, or personal relationship checking account - Rate collected within: 10025 (NY) |
| Tompkins Trust Company Rates as of Sep. 2nd | MMA | 0.20% | $10,000 | Personal Money Market tier $10,000 to $24,999 | |
| Southern Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $25,000 | Insured Money Market Savings - tier $25,000 to $49,999 |
| Coppermark Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $2,500 | Collected within Oklahoma, $2500-$10000 |
| The Huntington National Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Premier Money Market Tier $10,000 - $19,999 - $10 monthly fee is waived with $2,000 minimum daily balance or with linked HNB qualifying checking account - Stated rate is for new accounts only |
| Palatine Bank and Trust Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Money Market Tier $10,000 - $99,999 |
| Farmington Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $1 | tier $1 to $24,999 |
| Merchants Bank (mbvt.com) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $25,000 | Personal Money Market Tier $25,000 - $49,999 - $2 monthly fee waived with $25 minimum daily balance - Located in Vermont |
| Palatine Bank and Trust Rates as of Sep. 2nd | Savings | 0.20% | 0.20% | $0 | Statement Savings - Avoid monthly fee with $200 daily balance |
| NewPortFed Rates as of Sep. 2nd | Savings | 0.20% | 0.20% | $2,500 | Tiered Rate Savings $2,500 $24,999 |
| Citizens Bank (Rate in MA) Rates as of Sep. 2nd | MMA | 0.20% | $0 | Performance Money Market Tier $0 - $9,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 02144 (MA) | |
| Bank of America (Rate in CA) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Growth Cash Maximizer Money Market - Standard Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: CA |
| Banterra Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Banterra's Preferred Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $10,000 combined daily balances in qualifying accounts - Rate collected within: IL |
| BBVA Compass (Rate in AL) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Preferred Money Market - $10,000 - $19,999 - $15 monthly fee waived with $10,000 minimum daily balance or with automatic $25 transfer from BBVA checking account - Rate collected within Birmingham, AL |
| First Niagara Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Relationship Builder Money Market Tier $10,000 - $24,999 - Monthly fee waived with $2,500 minimum daily balance - Rate listed is available for new accounts opened at branch locations. |
| BBVA Compass (Rate in CA) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Preferred Money Market - $10,000 - $19,999 - $15 monthly fee waived with $10,000 minimum daily balance or with automatic $25 transfer from BBVA checking account - Rate collected within Northern California |
| Citizens Bank (Rate in PA) Rates as of Sep. 2nd | MMA | 0.20% | $0 | Performance Money Market Tier $0 - $9,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 19140 (PA). | |
| BBVA Compass (Rate in FL) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Preferred Money Market - $10,000 - $19,999 - $15 monthly fee waived with $10,000 minimum daily balance or with automatic $25 transfer from BBVA checking account - Rate collected within Jacksonville, FL |
| Watertown Savings Bank (watertownsavings.com) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $50 | Tiered Rates - $10 monthly fee waived with $5,000 minimum daily balance - Apply online or in person - Located in MA |
| KeyBank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $5,000 | Key Silver Money Market Tier $5,000 - $9,999 - $12 monthly fee waived with $5,000 minimum daily balance, $25 direct deposit into account, or personal relationship checking account - Rate collected within: 10025 (NY) |
| First Tennessee Bank Rates as of Sep. 2nd | MMA | 0.20% | $10,000 | Money Market Tier $10,000 - $24,999 - $9 monthly fee waived with qualifying checking account or with $5,000 combined balances in qualifying accounts - Opening deposit varies by market | |
| River Valley Financial Bank Rates as of Sep. 2nd | Savings | 0.20% | 0.20% | $0 | Statement Savings |
| Simsbury Bank Rates as of Sep. 2nd | Savings | 0.20% | 0.20% | $1 | Passbook Savings - $1.25 monthly fee waived with $200 minimum daily balance |
| Amegy Bank of Texas Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | High Yield Internet Savings Tier $10,000 - $24,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| Haskell National Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $1,000 | Money Market Tier 2 - $10,000 - $99,999 - $10 monthly fee waived with $1,000 minimum daily balance |
| KeyBank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Key Silver Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $5,000 minimum daily balance, $25 direct deposit into account, or personal relationship checking account - Rate collected within: 10025 (NY) |
| Citizens Bank Rates as of Sep. 2nd | MMA | 0.20% | $0 | Performance Money Market Tier $0 - $9,999 - $50 monthly fee waived with $1,000 minimum daily balance - Rate collected within: 10025 (NY) | |
| Bank of Hawaii Rates as of Sep. 2nd | Savings | 0.20% | $100,000 | Bankohana Bonus Rate Savings account - tiered interest rates effective for balances $100,000 and over | |
| Merchants Bank (mbvt.com) Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $5,000 | Personal Money Market Tier $5,000 - $24,999 - $2 monthly fee waived with $25 minimum daily balance - Located in Vermont |
| Webster Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $2,500 minimum daily balance |
| First National Bank of St. Louis Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Personal Money Market - tier $10,000 to $24,999 - Missouri rate table |
| Somerset Hills Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $10,000 | Money Market Tier $10,000 - $24,999 - $12 monthly fee waived with $2,500 minimum daily balance |
| First Midwest Bank Rates as of Sep. 2nd | MMA | 0.20% | $0 | regular Money Market account | |
| Susquehanna Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $25 | Premium Money Market Tier $25 - $4,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| First National Bank of St. Louis Rates as of Sep. 2nd | MMA | 0.20% | $0 | Personal Money Market - tier 1,500-9,999 - Missouri rate table | |
| Sovereign Bank Rates as of Sep. 2nd | MMA | 0.20% | 0.20% | $0 | Money Market Tier $0 - $9,999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 60625 (IL) |
| SunTrust Bank Rates as of Sep. 2nd | MMA | 0.20% | $25,000 | Advantage Money Market Tier $25,000 - $49,999 - $15 monthly fee waived with $5,000 minimum daily balance - Rate collected within: AL | |
| State Farm Bank (Rate in CA) Rates as of Sep. 2nd | Savings | 0.17% | 0.17% | $1 | $25,000 - $49,999 Rate collected in: CA |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | Savings | 0.17% | 0.17% | $1 | $25,000 - $49,000 Rate collected in: NY |
| State Farm Bank (Rate in IL) Rates as of Sep. 2nd | Savings | 0.17% | 0.17% | $1 | $25,000 - $49,999 Rate collected in: IL |
| First Federal Savings Bank of Elizabethtown Rates as of Sep. 2nd | MMA | 0.16% | 0.16% | $0 | Premier Money Market, tier $0.01 to $24,999 - Rate collected within: 40201 (KY) |
| East Boston Savings Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10 | tier $10 to $2,499 |
| Peoples Bank (peoplesbank-wa.com) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Money Market $5,000-$25,000 Collected within Whatcom County WA |
| Happy State Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,000 | Money Market Investment Account - Stated rate for balances $1,000 and over - $8 monthly fee waived with $1,000 minimum daily balance - Located in TX |
| Comerica Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $1-$14,999. Rate collected within: 10025 (NY) |
| CoreFirst Bank and Trust Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Money Market One - Tiered rates - $10 monthly fee waived with $1,000 minimum daily balance |
| Comerica Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $15,000 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $15,000-$499,999. Rate collected within 94115 (CA). |
| Comerica Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $1-$14,999. Rate collected within: 60625 (IL) |
| Monroe Bank and Trust Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $2,000 | Money Market Plus, tier under $10,000 |
| Allstate Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $5,000 | Insured Money Market - tier $5,000 to $15,000 |
| North Shore Community Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,000 | $1,000 - $24,999 |
| Chicago Community Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $2,500 | Money Market |
| Commercial Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $0 | Regular Savings |
| Wells Fargo (Rate in CA) Rates as of Sep. 2nd | MMA | 0.15% | $0 | Money Market Savings - all balances - Stated rate reflects a .10% bonus when linked to PMA Prime Checking - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: CA | |
| Valley Community Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $0 | Statement Savings - Located in Illinois |
| Branch Banking and Trust Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Investors Deposit Account Tier $10,000 - $24,999 - $15 monthly fee waived when requirements met - See website for details - Online only |
| Wells Fargo Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.15% | $0 | Money Market Savings - All balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: CA | |
| Amegy Bank of Texas Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,000 | High Yield Internet Savings Tier $1,000 - $9,999 - $12 monthly fee waived with $1,000 minimum daily balance |
| Citibank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Premier Money Market - Base Tier Below $10,000 - Online account only |
| National Exchange Bank and Trust Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $25,000 | Money Market Investment Tier $25,000 - $49,999 - Must open in person at branch |
| Bank of America (Rate in IL) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Growth Money Market - Standard Tier Less than $10,000 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: IL |
| Bank of America (Rate in CA) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Growth Cash Maximizer Money Market - Standard Tiers Less than $10,000 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: CA |
| Citibank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Premier Money Market - Base Tier $10,000 - $24,999 - Online account only |
| Merchants Bank (mbvt.com) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1 | Personal Money Market Tier $1 - $1,499 - $2 monthly fee waived with $25 minimum daily balance - Located in Vermont |
| Poplar Grove State Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $0 | Regular Savings - $3 monthly fee is waived with $50 minimum daily balance |
| Ames Community Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $5,000 | Consumer Savings - $5,000 and above to earn stated APY |
| American State Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,000 | Money Market Tier $1,000 - $49,000 |
| Merchants Bank (mbvt.com) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,500 | Personal Money Market Tier $1,500 - $4,999 - $2 monthly fee waived with $25 minimum daily balance - Located in Vermont |
| First Midwest Bank Rates as of Sep. 2nd | Savings | 0.15% | $0 | Statement Savings | |
| Commonwealth Community Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $1,000 | Money Market Tier $1,000 - $49,999 - $10 monthly fee waived with $1,000 minimum daily balance |
| UnionState Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $0 | Regular Savings - Located in Alabama and Florida |
| Cathay Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Smart Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| RiverWood Bank Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $0 | Consumer Statement Savings - $2 monthly fee waived with $100 minimum daily balance |
| Lee County Bank and Trust, NA Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | MM Super NOW Account - $2,500 required average daily collected balance or $5 monthly fee and $.20 per debit transaction in excess of 30 |
| First State Bank of Wyoming Rates as of Sep. 2nd | Savings | 0.15% | 0.15% | $50 | Statement Savings - $2 monthly fee if balance falls below $50 |
| The Halstead Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Money Market - Monthly fee waived with $1,000 minimum daily balance |
| Citibank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $25,000 | Premier Money Market - Base Tier $25,000 - $49,999 - Online account only |
| Valley National Bank Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Money Market Account - All balances - $10 monthly fee waived with $1,000 minimum daily balance |
| Bryn Mawr Trust Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $2,500 | Personal Market Rate-$2,500 - $9,999 - Bank Located in PA |
| Bank of America (Rate in NY) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $0 | Growth Money Market - Standard Tier Less than $10,000 - $10 monthly fee waived with $5,000 minimum daily balance - Rate collected within: NY |
| Commerce Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 60625 (IL) |
| Commerce Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 10025 (NY) |
| Commerce Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Premium Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 94115 (CA) |
| Southern Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.15% | 0.15% | $10,000 | Insured Money Market Savings - tier $10,000 to $24,999 |
| Peoples National Bank (pnbon.com) Rates as of Sep. 2nd | Savings | 0.12% | 0.12% | $0 | Savings Account - Located in Florida |
| State Farm Bank (Rate in IL) Rates as of Sep. 2nd | Savings | 0.12% | 0.12% | $1 | $0 - $24,999 Rate collected in: IL |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | Savings | 0.12% | 0.12% | $1 | $0 - $24,999 Rate collected in: NY |
| State Farm Bank (Rate in NY) Rates as of Sep. 2nd | Savings | 0.12% | 0.12% | $1 | $0 - $24,999 Rate collected in: NY |
| State Farm Bank (Rate in CA) Rates as of Sep. 2nd | Savings | 0.12% | 0.12% | $1 | $0 - $24,999 Rate collected in: CA |
| BBVA Compass (Rate in CA) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Money Market Preferred Money Market- $0 - $10,000 - $15 monthly fee waived with $10,000 minimum daily balance or automatic deposit from BBVA checking account of $25 or more - Rate collected within Northern CA |
| Union Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.10% | $1 | Offering online banking services across the country | |
| Stifel Bank and Trust Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Interest Bearing Checking Money Market - All balances |
| First National Bank Omaha Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $5,000 | Customer First Money Market Tier $5,000 - $24,999 - Monthly fee waived with $5,000 minimum daily balance |
| Harris Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Regular Money Market - $25,000 and over - Rate collected within: 60625 (IL) |
| Harris Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Regular Money Market - $25,000 and over - Rate collected within: 94115 (CA) |
| Bank of Oklahoma Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Personal Savings 2.0 |
| TD Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.10% | $1,000 | Choice Money Market Tier $1,000 - $9,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| Lee County Bank and Trust, NA Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Regular Savings |
| Harris Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Money Market Tier $25,000 and over - Rate collected within: 60625 (IL) |
| TD Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.10% | $0 | Choice Money Market Tier $0 - $999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: New York NY | |
| BBVA Compass (Rate in FL) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Preferred Money Market- $0 - $10,000 - $15 monthly fee waived with $10,000 minimum daily balance or automatic deposit from BBVA checking account of $25 or more - Rate collected within Jacksonville, FL |
| BBVA Compass (Rate in AL) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Preferred Money Market- $0 - $10,000 - $15 monthly fee waived with $10,000 minimum daily balance or automatic deposit from BBVA checking account of $25 or more - Rate collected within Birmingham, AL |
| Stifel Bank and Trust Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Personal Money Market Savings - All balances |
| TD Bank (Rate in DC) Rates as of Sep. 2nd | MMA | 0.10% | $1,000 | Choice Money Market Tier $1,000 - $9,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Washington DC | |
| Greenville National Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1,000 | Money Fund Account |
| Southern Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1,000 | Insured Money Market Savings - tier 1,000-9,999 |
| TD Bank (Rate in FL) Rates as of Sep. 2nd | MMA | 0.10% | $1,000 | Choice Money Market Tier $1,000 - $9,999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Florida (FL) | |
| Citizens Bank (Rate in MA) Rates as of Sep. 2nd | MMA | 0.10% | $10,000 | Personal Money Market- Tiered balances of $10,000-$24,999. Rate collected within 02144 (MA). | |
| Citizens Bank (Rate in MA) Rates as of Sep. 2nd | MMA | 0.10% | $25,000 | Personal Money Market- Tiered balances of $25,000-$74,999. Rate collected within 02144 (MA). | |
| Harris Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Regular Money Market - $25,000 and over - Rate collected within: 10025 (NY) |
| Astoria Federal Savings Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Insured Money Maker Tier $0 - $9,999 |
| TD Bank (Rate in DC) Rates as of Sep. 2nd | MMA | 0.10% | $1,000 | Choice Money Market Tier $0 - $999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Washington DC | |
| Comerica Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1 | High Yield Money Market Investment Account (HY MMIA)- Tiered balances of $1-$14,999. Rate collected within 94115 (CA). |
| First Niagara Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Relationship Builder Money Market Tier $0 - $9,999 - Monthly fee waived with $2,500 minimum daily balance - Rate listed is available for new accounts opened at branch locations. |
| Bank of America (Rate in IL) Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Regular Savings - $5 monthly fee waived with $300 minimum daily balance or automatic deposit from a Bank of America checking account (minimum $25) Rate collected within: IL |
| CoreFirst Bank and Trust Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Money Market One - Tiered rates - $10 monthly fee waived with $1,000 minimum daily balance |
| Citizens Bank (Rate in PA) Rates as of Sep. 2nd | MMA | 0.10% | $25,000 | Personal Money Market- Tiered balances of $25,000-$74,999. Rate collected within 19140 (PA). | |
| Citizens Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.10% | $25,000 | Personal Money Market- Tiered balances of $25,000-$74,999. Rate collected within 10025 (NY). | |
| National Exchange Bank and Trust Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1,000 | Money Market Investment Tier $1,000 - $14,999 - Must open in person at branch |
| SunTrust Bank Rates as of Sep. 2nd | MMA | 0.10% | $10,000 | Advantage Money Market Tier $10,000 - $24,999 - $15 monthly fee waived with $5,000 minimum daily balance - Rate collected within: AL | |
| HSBC Rates as of Sep. 2nd | MMA | 0.10% | $0 | Premium Money Market Plus - Tiered rates APY for balances between $0 - $14,999 - Stated rate is for accounts opened at an HSBC branch or by phone | |
| Coleman County State Bank Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $1 | Regular Savings Account |
| US Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1,000 | Elite Money Market Tier $1,000 - $9,999 - No monthly fee - Rate collected within: 94115 (CA) |
| HSBC Advance Rates as of Sep. 2nd | MMA | 0.10% | $0 | Premium Money Market Plus - Tiered rates Tiered rates APY for balances between $0 - $14,999 - Online account | |
| First Tennessee Bank Rates as of Sep. 2nd | MMA | 0.10% | $0 | Money Market Tier $0 - $9,999 - $9 monthly fee waived with qualifying checking account or with $5,000 combined balances in qualifying accounts - Opening deposit varies by market | |
| National Exchange Bank and Trust Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $10,000 | Money Market Investment Tier $15,000 - $24,999 - Must open in person at branch |
| TD Bank (Rate in FL) Rates as of Sep. 2nd | MMA | 0.10% | $0 | Choice Money Market Tier $0 - $999 - $12 monthly fee waived with $1,000 minimum daily balance or if age 62 or over - Rate collected within: Florida (FL) | |
| The Halstead Bank Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Statement Savings |
| Bank of America (Rate in NY) Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Regular Savings - $5 monthly fee waived with $300 minimum daily balance or automatic deposit from a Bank of America checking account (minimum $25) Rate collected within: NY |
| Fort Jennings State Bank Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Passbook Savings |
| Tompkins Trust Company Rates as of Sep. 2nd | MMA | 0.10% | $2,500 | Personal Money Market - tier $2,500 to $9,999 | |
| Bremer Bank Rates as of Sep. 2nd | MMA | 0.10% | $1,000 | Money Market Savings Tier $1,000 - $4,999 - $10 monthly fee waived with $1,000 minimum daily balance | |
| Fifth Third Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Money Market Tier $25,000 - $49,999 - Rate collected within: 60625 (IL) |
| PNC Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1 | Money Market Tier $1 - $999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 10025 (NY) |
| Regions Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Money Market Tier $25,000 - $49,999 - $10 monthly fee waived with $2,500 minimum daily balance - Rate collected within: 63102 (MO) |
| Allstate Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Insured Money Market - tier $0.00 to $5,000 |
| Regions Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $10,000 | Money Market Tier $10,000 - $24,999 - $10 monthly fee waived with $2,500 minimum daily balance - Rate collected within: 63102 (MO) |
| Flagstar Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Money Market Tier $0 - $24,999 - $25 monthly fee waived with $5,000 minimum daily balance - Rate collected within: 49201 (MI) |
| Banterra Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $2,500 | Money Market - $2,500 and up - $8.50 monthly fee waived with $1,500 minimum daily balance or $2,500 minimum average daily balance - Rate collected within: IL |
| BBVA Compass Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Preferred Money Market Tier Less than $10,000 - $15 monthly fee waived with $10,000 minimum daily balance or automatic deposit from BBVA checking account of $25 or more - Rate collected within: Northern CA |
| Union Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $25,000 | Money Market $25,000 - $49,999 - Monthly fee waived with $2,500 minimum daily balance |
| Bank of America (Rate in CA) Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Regular Savings - $5 monthly fee waived with $300 minimum daily balance or automatic deposit from a Bank of America checking account (minimum $25) Rate collected within: CA |
| Webster Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Premium Money Market Tier $0 - $9,999 - $10 monthly fee waived with $2,500 minimum daily balance |
| Commerce Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Premium Money Market Tier $0 - $9,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 10025 (NY) |
| Bank of Charles Town Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $0 | Regular Savings |
| American State Bank and Trust Company Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $5 | Personal Savings Tier $5 - $24,999 - $10 quarterly service fee waived with $100 minimum daily balance |
| Haskell National Bank Rates as of Sep. 2nd | Savings | 0.10% | 0.10% | $100 | |
| Main Bank Rates as of Aug. 31st | MMA | 0.10% | 0.10% | $500 | Money Market Account |
| Cathay Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Smart Money Market Tier $.01 - $9,999 - $10 monthly fee waived with $5,000 minimum daily balance |
| PNC Bank Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $1,000 | Money Market Tier $1,000 - $9,999 - $10 monthly fee waived with $1,000 average daily balance - Rate collected within: 10025 (NY) |
| Commerce Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Premium Money Market Tier - Up to $9,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 60625 (IL) |
| Commerce Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.10% | 0.10% | $0 | Premium Money Market Tier Up to $9,999 - $10 monthly fee waived with $5,000 average daily balance - Rate collected within: 94115 (CA) |
| National Penn Bank Rates as of Sep. 2nd | Savings | 0.08% | $0 | Statement Savings - rate effective through 8/29/2010 | |
| Wells Fargo Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings - All balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: IL | |
| Union Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $2,500 | Money Market, Tier $2,500 - $24,999 - Monthly fee waived with $2,500 minimum daily balance |
| Wells Fargo Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings - All balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: NY | |
| Comerica Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $1 | MMIA - Money Market Investment Account - All balances - $10 monthly fee waived with $2,500 minimum ledger balance or $5,000 average daily ledger balance - Rate collected within 94115 (CA) |
| Wells Fargo (Rate in CA) Rates as of Sep. 2nd | Savings | 0.05% | $0 | Goal Savings - $3 monthly fee waived with $300 minimum daily balance, $25 automatic transfer from a WFB account, or direct deposit - Rate collected within: CA | |
| Regions Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $0 | Money Market Tier $0 - $2,499 - $10 monthly fee waived with $2,500 minimum daily balance - Rate collected within: 63102 (MO) |
| Harris Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $10,000 | Regular Money Market - $10,000 - $24,999 - Rate collected in: 10025 (NY) |
| First National Bank Omaha Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $0 | Customer First Money Market Tier $0 - $4,999 - Monthly fee waived with $5,000 minimum daily balance |
| Harris Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $10,000 | Regular Money Market - $10,000 - $24,999 - Rate collected in: 94115 (CA) |
| Harris Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $10,000 | Regular Money Market - $10,000 - $24,999 - Rate collected in: 60625 (IL) |
| Citizens Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | $10,000 | Personal Money Market- Tiered balances of $10,000-$24,999. Rate collected within 10025 (NY). | |
| Wachovia Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings - all balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: IL | |
| SunTrust Bank Rates as of Sep. 2nd | MMA | 0.05% | $2,500 | Advantage Money Market Tier $2,500 - $9,999 - $15 monthly fee waived within $5,000 minimum daily balance - Rate collected within: AL | |
| Comerica Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $1 | Money Market MMIA - Money Market Investment Account - All balances - $10 monthly fee waived with $2,500 minimum ledger balance or $5,000 average daily ledger balance - Rate collected within: 10025 (NY) |
| Comerica Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $1 | Money Market MMIA - Money Market Investment Account - All balances - $10 monthly fee waived with $2,500 minimum ledger balance or $5,000 average daily ledger balance - Rate collected within: 60625 (IL) |
| Fifth Third Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $10,000 | Money Market Savings Tier $10,000 - $24,999 - Rate collected within: 60625 (IL) |
| Citizens Bank (Rate in PA) Rates as of Sep. 2nd | MMA | 0.05% | $10,000 | Personal Money Market- Tiered balances of $10,000-$24,999. Rate collected within 19140 (PA). | |
| Citizens Bank (Rate in PA) Rates as of Sep. 2nd | MMA | 0.05% | $2,500 | Personal Money Market- Tiered balances of $2500 - $9,999. Rate collected within 19140 (PA). | |
| Bremer Bank Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings Tier Under $1,000 - $10 monthly fee waived with $1,000 minimum daily balance | |
| Wachovia Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings - all balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: NY | |
| HSBC Rates as of Sep. 2nd | Savings | 0.05% | $100 | Regular Savings - Stated rate is for accounts opened at an HSBC branch or by phone | |
| HSBC Advance Rates as of Sep. 2nd | Savings | 0.05% | $100 | Regular Savings - Online account | |
| Wachovia Bank (Rate in CA) Rates as of Sep. 2nd | Savings | 0.05% | $0 | Goal Savings - $3 monthly fee waived with $300 minimum daily balance, $25 automatic transfer from a WFB account, or direct deposit - Rate collected within: CA | |
| North Shore Community Bank and Trust Company Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $0 | $0 - $999 |
| Harris Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $10,000 | Money Market Tier $10,000 - $24,999 - Rate collected in: 60625 (IL) |
| Peoples Bank (peoplesbank-wa.com) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $100 | Personal Money Market - $100 - $5,000 - Rate collected within: Whatcom County |
| First Bank Des Moines Rates as of Sep. 2nd | Savings | 0.05% | 0.05% | $1 | |
| Middletown Valley Bank Rates as of Sep. 2nd | Savings | 0.05% | 0.05% | $1 | Regular Savings |
| Citizens Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.05% | $2,500 | Personal Money Market- Tiered balances of $2500 - $9,999. Rate collected within 10025 (NY). | |
| SunTrust Bank Rates as of Sep. 2nd | MMA | 0.05% | $0 | Advantage Money Market - Tier $.01 - $2,499 - $15 monthly fee waived with $5,000 minimum daily balance - Rate collected within: AL | |
| TCF Bank Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $2,500 | Power Money Market Tier $2,500 - $9,999 - $10 monthly fee waived with $1,500 minimum daily balance - Rate collected within: IL |
| Wachovia Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Money Market Savings - all balances - $10 monthly fee waived with $3,500 minimum daily balance or a $75 automatic monthly transfer from a WFB account - Rate collected within: CA | |
| Comerica Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.05% | 0.05% | $1 | Money Market MMIA - Money Market Investment Account - All balances - $10 monthly fee waived with $2,500 minimum ledger balance or $5,000 average daily ledger balance - Rate collected within 94115 (CA) |
| Citizens Bank (Rate in MA) Rates as of Sep. 2nd | MMA | 0.05% | $0 | Personal Money Market- Tiered balances of $0 - $9,999. Rate collected within 02144 (MA). | |
| M and T Bank Rates as of Sep. 2nd | Savings | 0.05% | 0.05% | $1 | Relationship Savings - Requires M and T checking account or minimum daily balance of $250 to avoid monthly service fee - Rate collected within: 10025 (NY) |
| Chase (Rate in NY) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Money Market StandardTier $0 - $9,999 - $12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking checking account - Rate collected within: 10025 (NY) |
| Chase (Rate in IL) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Money Market Tier $0 - $9,999 - Standard Rate - $12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking Checking Account - Rate collected within: 60625 (IL) |
| Chase (Rate in IL) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $10,000 | Money Market Tier $10,000 and up-Standard Rate - $12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking checking account - Rate collected within: 60625 (IL) |
| Raymond James Bank Rates as of Sep. 2nd | Savings | 0.01% | 0.01% | $2,500 | Statement Savings |
| Chase (Rate in CA) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $10,000 | Money Market SavingsTier $10,000 and up -Standard Rate- $12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking Checking account - Rate collected within: 94115 (CA) |
| Harris Bank (Rate in CA) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Regular Money Market - $0 - $2,499 - Rate collected within: 94115 (CA) |
| Chase (Rate in CA) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Money Market SavingsTier $0 - $9,999 - Standard Rate-$12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking checking account - Rate collected within: 94115 (CA) |
| The Huntington National Bank Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Premier Money Market Tier $0 - $2,499 - $10 monthly fee waived with $2,000 minimum daily balance or with linked HNB qualifying checking account - Stated rate is for new accounts only |
| Union Bank Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Money Market Tier $0 - $2,499 - Monthly fee waived with $2,500 minimum daily balance |
| Harris Bank (Rate in IL) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Regular Money Market - $0 - $2,499 - Rate collected within: 60625 (IL) |
| Union Bank Rates as of Sep. 2nd | Savings | 0.01% | 0.01% | $0 | Regular Savings - all balances - $3 monthly fee waived with $300 minimum daily balance or $25 monthly deposit - |
| Harris Bank (Rate in NY) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Regular Money Market - $0 - $2,499 - Rate collected within: 10025 (NY) |
| Chase (Rate in NY) Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $10,000 | Money Market Standard Tier $10,000 and up - $12 monthly fee waived with $1,500 minimum daily balance or if linked to a Chase Better Banking checking account - Rate collected within: 10025 (NY) |
| Harris Bank Rates as of Sep. 2nd | MMA | 0.01% | 0.01% | $0 | Money Market Tier $0 - $2,499 - Rate collected within: 60625 (IL) |
Savings Account Rates Updated August 2010
Version of Original Post Below
The rates on this page are current as of 31 August, 2010. Rates are low right now, but they’ll rise as the economic crisis eases. For more information about these banks, please see the 1600+ comments that follow this list.
I’ve heard a of people mention their online high-yield savings account, but I’ve never bothered to look into them. It occurred to me today that it’s ridiculous to keep my “web money” in a no-yield checking account at Wells Fargo. As my blog revenue grows, I’m throwing away money by not having my savings someplace that pays. So how does one find the highest interest savings accounts?
I did some research. I googled for “high yield savings account” and “money market account” and followed promising links (and ads) from the search results. Here are the offers that I was able to find with minimal digging. All of these accounts are FDIC insured and, unless otherwise noted, can link to other bank accounts (your local credit union, for example). CD Rates are maintained on a separate page.
Right now savings & money market rates are within close range of CD rates, and companies like Everbank are offering bonus introductory rates even higher than many CD rates - without locking you in for the term of the CD. As of August 31, 2010 the Everbank introductory rate is 2.25%.
Based on anecdotes from GRS readers, the first group of banks offer excellent customer service, great rates, and a good user interface:
- Everbank Yield PledgeSM Money Market Account offers a 2.25% APY 3 month bonus rate, plus a 1.51% first year APY up to $50k on their Yield Pledge money market account. Everbank is an online-only bank that has been named “Best of the Web” for 5 consecutive years by Forbes.com and was also named “Best of the Breed” for online banks by Money Magazine. Everbank pledges to keep yields within the top 5% of competitive accounts according to the Bankrate.com National IndexTM of leading banks and thrifts. There is a $1,500 initial-deposit requirement, and $5,000 balance to avoid fees, but if you can meet that, the 2.25% bonus rate is the highest of this group.
- Ally Bank High Yield Online Savings Account offers a 1.25% APY (as of August 31, 2010) with no minimum balance and no monthly fees. Ally Bankis the reincarnation of GMAC and was rated as “Best for Savings” by Kiplinger. They have a heavy marketing campaign going right now so you have probably seen their ads stating, “You can also depend on no monthly fees, no minimum balances or deposits, and no sneaky disclaimers.”
- SallieMae Online High Yield Savings Account offers a 1.40% APY with no minimum balance and no monthly fees and daily compounded interest. SallieMae is best known for originating, servicing and collecting on student loans, and while they have a very competitive rate on the SallieMae high yield savings account, they also stay close to their education focus by providing a 10% match on UPromise earnings.
- FNBO Direct High Interest Online Savings Account offers a 1.10% APY with no minimum balance and no monthly fees. FNBO was named best online savings account by Kiplinger’s Personal Finance magazine, December 2008. FNBO has also been rated as one of the safest of the major online banks according to a study by bankrate.com.
- ING Direct High Yield Orange Savings Account offers 1.10% APY on their Orange High Yield Savings Account with no minimum balance and no monthly fees. This is the bank I chose after doing my research and GRS readers love ING Direct. Also see the ING Direct Electric Orange interest bearing checking account which offers up to 1.25% APY, on their Electric Orange interest checking account on high balances.
- WTDirect Savings Account offers a variable rate currently at 1.21% APY on all balances for first 60 days. Beyond that, accounts >$10,000 continue at the variable 1.21% and lower balances are adjusted to a lower variable rate. No Fees. FDIC Insured. No minimum deposit to open a WTDirect Account and no checking account required in order to get the high rate.
- HSBC Advance Online Savings Account offers 1.10% APY, no monthly fees, web interface. $1 minimum to open. Named “best online savings account” by Kiplinger’s Personal Finance in 2006.
This second group of banks is also worth considering. They tend to have stiffer requirements, more hoops to jump through, or lower customer reviews. (Note: E*Trade savings accounts are being sold to Discover, as Joe noted in the comments, and they have been removed from the list):
- Savings Square Savings Account offers 1.15% APY, no fees. $1 minimum to open. Electronic interface only. I’ve had a couple readers tell me setting up an account at Savings Square is a nightmare.
- Presidential Online Bank Savings Account offers 1.25% APY on balances up to $35,000. Balances in excess of $35,000 earn 0.75% APY. Why rates drop as your balance goes up is a bit of a mystery. No fees, ATM access, web interface. $5,000 minimum to open.
- Emigrant Direct Savings Account offers 1.00% APY, no fees, web interface. No minimum. GRS readers like Emigrant Direct.
You can also seek to find the best high interest savings account through exploring numerous bank rates blogs, such as RateAPY.com, which cover different bank deals on a near-daily basis, from both local as well as national banks.
The rate of personal savings has been increasing recently, even despite low rates. A reader sent in a story about online banks last November, but that discussion was specifically about customer service. I’d like to hear from people who use one (or more) of these banks and can tell me more about the features. Which one should I choose and why?
You may also be interested to learn about rewards checking accounts. Also, Canadian readers should check out this article about Canadian high-interest savings accounts.
You can use the EDIE calculator to check on which types of accounts at which banks and for which amounts are FDIC insured. Do your homework and choose an online savings account that works for you.
Have you been able to find savings or money market account rates that are even better than the ones listed here? If so, please let us know. Don’t forget to include all the details: name of the bank, state, rate, when you opened this account with this rate and whether one can you open an account online or have to come in person. I’d like to find the best possible savings account rates and money market rates to share with Get Rich Slowly readers.
This article is about Choices, Odds and Ends, Savings


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When I started researching this stuff, I used to look up MMA Savings Accounts across the 100 top yielding accounts at banks (web or otherwise).
From there I went with GMAC Bank since it had (and still does) have a >5% rate on an MMA savings account. I use this to hold my emergency fund money. I can quickly transfer funds from the site to my checking account at my local bank.
Simple to use and good returns while keeping my money very liquid in case I need to get my hands on it quickly with no penalties. And do it all from the web of course. Works great for me!
Oh yeah, and make sure the great number you’re looking at isn’t just an “introductory rate”.
Who cares which one has the highest interest right now? Choose one that consistently has high interest rates and go with them. HSBC and GMAC have both had high interest rates over a long period of time. They might not be the highest but I don’t like switching banks every 3 months chasing a better rate.
i wonder why ING is lower than the rest of the others? getting at least 5% would be nice
maybe i should think about switching
“Has anyone used this? Do other banks offer similar features?”
my account at fidelity has a feature called “full view”, which is actually a branded version of an account aggregation service offered at http://www.yodlee.com. its not quite full featured, but its a great overall account aggregation service. its also available for free, direct from yodlee.
I have bonus referral links for ING if you decide to go with them, $25 bonus on a $250 account opening. Drop me a line if you want one! I have 2 accounts with them and am very happy with the ease of transition, direct deposits, and customer service!
Good point Mark. Since this article mentioned this as a “savings” account, I wouldn’t keep moving my money around just because another institution can give me a 0.85% higher rate than where I’m currently out. It can get confusing and messy doing that frequently.
Funds that I would juggle around would be stuff for middle term investments not my short term or emergency money.
Yeah, I’m not interested in chasing rates. I just want to find an institution that pays consistently well and offers good customer service and ease of use. Anything is better than the 0.4% I’m earning now, right?
I’ve been using ING Direct here in Canada for two years and couldn’t be happier, although I’m jealous of the higher rates you get in the States (ING’s interest rate here is currently 3.5 percent). I wonder if there are any better alternatives to ING in Canada; I’d love to hear about them if they exist. Here in Québec, ING is the only place I know of where you can make money on a savings account; all the regular banks provide such low interest rates and charge such high fees that you are literally better off financially keeping your money under the mattress.
I have had an EverBank checking account for a year now and the customer service is simply amazing. I get 3% interest for checking and they offer a money market account with 5% and 6% into for 3 months with only a $1500 minimum.
Brad, President’s Choice is now in Quebec: http://www.pcfinancial.ca/
4% on balances of at least $1000.01.
Citibank’s e-Savings account has a 4.75% rate, but it requires a Citi checking account. A Citi checking accounts can be a fantastic deal if you live someplace with no Citi branches; they will reimburse ATM surcharges if there is no Citibank in your home county.
I moved my checking and savings to Citi a few years back and I have not paid a single bank fee since. In fact, they were running a promo at the time that paid me for moving my accounts, so I’ve come out $200 ahead on the whole deal. You can also do instant transfers among your accounts, which is handy if you try to keep your checking balance at a bare minimum.
I have an ING account and can shed some light.
I believe the reason why ING currently has a lower rate is because they have been working hard on pushing out a product called Electric Orange. Basically what it is is a checking account with all your usual perks: direct deposit, free online bill pay, and ATM/Debit card. On top of that, they also have an interesting way of sending checks. They give you an online address book so that if you need to send a paper check, you can click who, type in how much, and ING will automatically send that check out for you at no cost. Additionally, they also have something called electronic checks which I won’t get into, but its pretty cool.
In addition to all these great services, Electric Orange also provides 3 different tiers of interest you can earn on your account: 4.00%, 5.05%, and 5.35%. Right now Electric Orange is only available to a select few, but I’m sure once the service is made public ING will be competitive again.
I’ve used HSBC’s online savings account at 5.05% for about six months now for my emergency fund. Account security is second to none, customer service isn’t half bad, and I love watching that interest roll in month after month.
As an added bonus, they’ll give you 6% on all money deposited before 4/30.
Hey Brad (and other Canadians!):
Redflagdeals has a nice article about the options available to us: http://www.redflagdeals.com/deals/main.php/articles/savings1/
It was last updated in September so rates may have changed, but at least it’ll give you an idea of where to look for more information.
I have been using ING Direct for a while and recently opened an Orange checking account as well. The checking account actually pays a higher interest rate than the savings, if your balance is more than $50,000.
I’ve had an HSBC online savings for about 6 months and have no complaints. The account setup is long because they send everything through the mail.
You can tell they’re focused on security, even when it makes things less convenient (which is most of the time because they’re diametrically opposed), but I appreciate that as a customer.
Phone service is helpful once you get a person, but took me 5-15 minutes the few times I’ve used it.
ING will give you $25 bonus if you find a referral link (all over the web); I could even give you one.
We have 3 accounts with them because it’s so easy to set up additional accounts and it’s nice to keep large items were saving for separate (vacation, taxes, computer). The bank transfer can be slow at times (why does it take 3 days to transfer money between banks?); I’m not sure if that’s true at all banks.
I didn’t realize we’re loosing 0.5% by going with them (vs E-trade), with the amount we keep there, it’s probably not worth the hassle of moving though.
Your Countrywide APY is incorrect. It’s 5.4% only if you have a $50,000 minimum balance. For
whoa… messed up comment. I guess it doesn’t like less than symbols
Anyway, for less than $10,000, the APY is only 4%.
Clearly they’re trying to be sneaky, which is a good reason to steer clear of them.
I’ve been using HSBC for about the past year. No complaints, it has really been a nice account. Very security focused as well.
Have you considered a brokerage account? They usually also have money market mutual funds for 5% or better (not FDIC but still your risk is pretty much 0). You can online link to/from your checking accounts and transfer very easily and quickly. I have a Fidelity account and am very happy with it; also like the fact that I have $8 trades (I have a Gold account though; most trades are $10) another one to think about is Ameritrade. They just got a huge writeup today on cust sat and I can’t imagine that they wouldn’t have a high yielding money market mutual fund.
I have accounts with Emigrant and Etrade - both were easy to open and I haven’t had any real trouble with them. Someone did come by my site the other day and leave a comment that in their experience, Etrade’s transfers from the bank account don’t work as promised, resulting in late payments and problems. I haven’t made any transfers with the account other than the opening balance, so I don’t know myself.
Everything I’ve ever heard about ING has been overwhelmingly positive - it’s almost like a cult! I myself am waiting to open an account, once I have $250 to take advantage of the bonus.
oops I meant to say more. Transfers are only 1-2 days between Fidelity and BofA so pretty quickly. The default settlement account, a municipal money market and thus tax free, is 3.5%. Really, good stuff! And you can buy CDs for free and since there’s so much visibility through Fidelity, banks list pretty competitive CDs (I buy CDs 6-12 month term with monthly payouts with annual rates of 5.2% which is great; CDs are FDIC insured).
I am a total interest rate whore, so I have accounts at several of them. Presently nearly all of my cash is in HSBC for the 6% APY promo, although I will move it back to Presidential’s savings account once the promo expires. I highly recommend Presidential’s internet plus checking account as well (4.5% APY on a checking account ain’t bad either). If you don’t want to jump around for rates, both EmigrantDirect and HSBC are good choices. ING was the first in the game but they aren’t staying competitive anymore and just aren’t relevant to a discussion of “high-yield” savings accounts.
Avoid E-Loan like the plague. Their website is buggy and customer service is absolutely horrible. I wouldn’t put my money back there even if they did a promo rate like HSBC.
Great article, I’d like to see similar about the variety of IRA options that are out there.
Thanks Bessam and sjw for the Canadian tips! If ING is able to provide their Electric Orange service in Canada for zero or low fees, I’ll drop my bricks-and-mortar bank immediately. Last year I paid $173 in bank fees (there’s no such thing as free checking in Québec, at least as far as I know) and earned $2.95 in interest from my regular bank. With ING I paid $0.00 in fees and earned $1,230 in interest.
[...] customer to ING Direct since the day I opened an account with them. Since that day, several other online savings accounts offering a higher APY have surfaced. Although the rates are higher elsewhere, I have stuck with ING Direct because I am [...]
I’ve been using HSBC for about 3 months. Overall, the process to set it up took a little while (mostly because they mailed everything separately), but the process only took me a couple minutes. Their website is easy to navigate, the bank transfers only take a few days to go through. In general I have been very happy with them. And its difficult enough that when I put money into it I won’t be pulling money out all the time. Thats why I have a checking account. Its a great way to actually save.
I started with ING, but HSBC is better. I love the EasyView service, which is a “view all online accounts on one page.” I have set up 20 accounts to view there–it totals it all up and sections it out.
I’ve used ING since 2004 and have always been pleased with them. I also just opened up an Electric Orange checking account with them, 4% interest, and I’ve been using it for about a week now. So far so good!
Is Captial One really the only one that offers a Debit Card with the account? I like the idea of how easy it could be to access the account, but I’m not a huge fan of CO. I’ve looked into ING, but I don’t think they have a debit card, anyone know for sure?
I have had and ING Direct savings account for a while now. I have made a nice chunk of change parking my student loans there. I just opened up and Electric Orange checking account, which took about 3 seconds to do since I am already a customer. I like ING because the features of the accounts cover all the bases of what I am looking for in a bank: high interest, no fees or minimums, ease of use, and good customer service. As soon as I graduate and get a job I intend to open a money market with them and take advantage of automatic transfers.
Be warned of the citibank account. I’m not sure how other’s work when tied to your checking but with this account you can only make about 6 transfers out of it to your checking during a billing cycle… online at least.. I was successful completing a transfer at the ATM
For my emergency fund account, I’ve been using Paypal for the last 2 years and it has treated me really well. It’s at 5.05% in a money market account, and although it is not FDIC insured, it’s an easy and reliable way to hold money so it is virtually liquid yet still making interest. Do you guys think I should switch to one of these savings accounts referred to on this post? Don’t worry, I’m never tempted to just buy something impulsively on ebay, which I hear is a problem for some who store money on paypal. Any feedback would be great. Thanks. BTW, J.D., love your site.
One that you left out is PayPal. Most of us already have PayPal accounts, and they offer a Money Market account that is earning 5.05% APY. I don’t keep tons of money there, but it’s nice to have for (minimal) eBay income not to have to worry about it before I transfer it to my bank account.
JD — I have an ING account and also signed up for an Emigrant Direct account although I’m not using it. While opening the account I needed to call Emigrant Direct and had a really bad customer service moment.
On the other hand I really love my ING account — I like the web interface and security features. I’d like the higher interest rate but when I calculated it, at least in the short term there wasn’t a huge difference. So I’ve been procrastinating in looking elsewhere. If I did it would probably be Everbank or HSBC.
I have no interest in the Electric Orange account though.
db
I personally use ING Direct for my savings account. I’ve been using ING since 2001, though I haven’t been very active with it until November of last year (hard to get into savings when you’re in college). I’m one of those people who wants to do EVERYthing online and thinks that everything should be instantaneous.
And while yes, ING’s transactions aren’t what I would consider instantaneous (usually takes 3-4 days for deposits and withdraws to process) it’s pretty good considering it’s a 99% online acocunt. That and I have it linked to my BoA account, so I tend to blame the slowness on BoA
I haven’t heard of this Electric Orange thing they’re doing though, but I’m excited for it to go public! I have a feeling you’d only be able to do direct deposit though… someone needs to invent a way to deposit paper checks online.
I had an E*TRADE account and two ING accounts (US & Canada). E*TRADE customer service is the worst I’ve ever seen. It took me months to establish EFT. Be prepared to pay a fee if you decide to close the account. I have no complaints about ING.
Definitely look at features in addition to rates. I did a lot of research (bankrate.com, as others have mentioned) before choosing GMAC for myself. They have high rates (5.1% currently), fast ACH transfers, a debit card, and *free checking*. The last is the most important for me. It is limited to three checks written per month, but since I rarely write checks, it’s perfect for me, personally. I don’t need a separate checking account at all - everything goes in the MMA with its high interest.
Like a few other fellow readers, I too used bankrate.com and zeroed-in on GMAC. The MMA account currently offers 5.0% APY. Their website is very user-friendly, and the customer service is the best I have encountered anywhere.
It is best to go with a reputed company and one that does not change their rates every few months. Also, it was important for me to open an account with a company that does not indulge in cheap gimmicks to attract customers.
I use Amboy Direct 5.25% APY up to $19,999. 5.35% paid for $20,000 and up. FDIC insured.
Fatwallet.com has a forum thread that follows Savings rates and each has a separate discussion thread on people’s experiences with the company. Should be a useful tool for anyone doing the search:
http://www.fatwallet.com/t/52/437553/
I am currently using GMAC Bank and have been happy with their service. They don’t have the best rate, but transferring money to and from is pretty quick and painless.
I initially signed up with ING for a 5% promotion that they were running and have to say that compared to some banks like Wells Fargo, the interest rates at ING are pretty good considering that there is no minimum balance required. A few things to note with ING:
(1) If you are putting money into an ING account via electronic transfer, it takes several days to link the accounts; basically ING does some small (i.e., less than $1) deposits into the account that you are linking to and you are required to verify those amounts on the ING site before you can transfer funds. The amount of time it takes for these amounts to appear in your linked account is a good indication of how long it takes to transfer money between accounts.
(2) It does take a few days for actual transfers to complete; I’m linked to a Wells Fargo account and it seems to take around 4 business days for transfers.
(3) ING’s security for accounts is pretty extraordinary. A note of caution is to be sure that you are paying attention as you go through the security steps, especially if you are accessing your account(s) through different computers.
(4) Additional savings accounts are very easy to set up (and close) if you have a particular goal you are saving for.
Electric Orange (”EO”) seems to be available to ING customers that have a savings account; I’m pretty sure that if you find a savings account you will be able to sign up for EO. While the EO rates tend to be more aggressive than brick and mortar banks, you really need to get $50K into the account to realize the big 5.05% APR. A few notes about EO:
(1) You can immediately fund an EO account from an ING savings account, which makes it very easy to open an EO account as there is not minimum for EO accounts.
(2) EO accounts, like most traditional bank checking accounts, do provide overdraft protection — I have to imagine that this is formulaic based on the funds in your EO, funds in ING Savings, and probably your credit score.
(3) EO easily shows you your purchasing power, which includes the overdraft protection.
(4) This account is fully paperless — don’t sign up expecting to receive paper checks in the mail. Online bill pay and a cool feature called “electronic checks” (this allows you to send checks via e-mail) are included with every account.
(5) You do receive an EO Mastercard debit card, but unlike traditional banks, there does not appear to be levels (i.e., gold, platinum, etc.) based on the amount of funds in the account, so be aware that there are daily point-of-sale and withdrawal limits.
(6) EO uses a network of ATMs on the AllPoint ATM network to provide fee-free ATMs. In my case, most of the ATMs are in Target stores, making it somewhat inconvenient to do all of my traditional ATM banking.
In summary: I keep some amount of money in ING savings accounts for different purposes and some amount of money in EO to earn a much higher interest rate than most traditional bank checking accounts, but I still maintain accounts at a traditional bank to ensure some amount of immediate cash and to make my ATM banking easier. I have to admit that I have yet to use the EO debit card and do most of my deposits and withdrawals through my traditional bank, interacting with my ING accounts via electronic transfer.
Another HSBC customer chiming in - I have had no problems with my account. I was able to use my account all over Europe with a flat 1 euro/transaction fee for non-network ATMs. The fact that you have access to phone support worldwide is quite good and I like the security features they offer. I’m going to India to work in July for 6 months and will definitely be using HSBC as my primary USD denominated account, as the wire transfer fees (salary while over there will be denominated in INR) are relatively low ($15 a transaction) compared to the local credit union ($35 per transaction).
I want to switch bank accounts, but I am a minor. I could get my parents to make an account for me and then put my money in it, but then I would be taxed at their rate. I have almost $5000 and am really looking for a way to make higher returns on it (as compared to my 1.25 rate). Any tips for minors?
To reiterate KJS, I’ve done some amount of research on how I’d bank if/when I move abroad, and I thought HSBC was probably going to be my best option for handling any residual bill paying in the US.
Steven — couldn’t your parents help you get the online account set up? I confess I really don’t know an answer for you, but I think you and your parents should contact your online bank of choice and see what’s possible.
>Has anyone used this? Do other banks offer similar features?
Money Center from Yodlee is a full aggregation service. At the back-end on a few of these banks, yodlee is the software that is used.
https://moneycenter.yodlee.com
Bank of America also uses Yodlee aggregation service in “My Portfolio”.
I’m late to comment and I’m not going to read all 48 other comments, but my Dad had E-Trade and –hated– them. Customer service is terrible. If your brokerage account dips below $10k (say because the market goes down), they start hitting you with inactivity fees ($40 a quarter).
Ridiculous.
ING is by far the best. You’re only missing out on .25-1% with ING, you get great customer service, and fantastic online security.
OK, I’m really late to this article, but I’ll echo nearly everyone else about ING. I’ve been using them for nearly two years now and have been more than thrilled. The new interface is uber secure, the actual transfering of money is super easy and the options to do auto-deposits on a regular basis is great.
The downside to ING that I’ve found is that it takes 10 full days from the time you transfer money till the time you start earning it.
A co-worker recently tried HSBC because he wanted to make a bit more money than his ING account, he left after three weeks due to the horrible interface and lackluster customer support. ING has some of the best phone support I’ve ever dealt with, even at 2am!
My mortgage is through CountryWide and I recently had a bad taste from a poor experience with their phone support, it was resolved in a timely manor and I am once again liking the company. I have recently received the offers with my bill for their new high interest accounts but don’t like the idea of having to keep $10k in them - I’d like to keep my money a little more liquid right now.
Fighting over .5% for me isn’t worth it right now, I’ll take the slightly lower rate and great customer service ING has been providing me with thus far.
Great discussion! This article came at the exact time that I’m looking for an online bank. I’m considering Countrywide… they’ve got the rates (and they currently have my mortgage). Besides being relative newcomers, I wonder if there are any other negatives about them? I’m not concerned about the tiered interest levels, but consistent rates and any fees could definitely be a factor.
I have been using HSBC for the higher rate. I have not been impressed with the speed of the balance transfer.
For example on Tuesday evening 10pm, I went to HSBC site and transferred $900 from my credit union.
Wednesday I get an email from HSBC that says I have requested a tranfer.
Thursday it is taken from my credit union account, Friday to Sunday nothing.
Monday I get an email that says the transfer is complete and it should show up in my HSBC account within the next 24 hours.
So on Tuesday, a full week later, the transfer shows. Not planning on staying with HSBC, looks like there are many others that are faster and easier.
Not strictly a savings account, but if you have PayPal, you can enable the money you put there to be placed in a money-market account. Not FDIC insured, but it does pay 5.05% now. There’s no fee, so if you have any money in a PayPal account, it shouldn’t hurt, right?
Washington Mutual isn’t on your list? Lots of branches in Portland, an ATM in every Fred Meyer, and 5% APY on a savings account. I live only a few blocks away from a branch and it’s been great. “Real human” Teller access, ATM deposits, ATM withdrawals, yada yada. Link to their Free Checking with free checks (and soon money orders), billpay, and so on, and it’s a very good deal.
Let me know if you have any questions.
I kept my ING Orange Savings account since I figured out that i needed to pile up some money for Taxes.
The phone support is amasing, provided you can find the Phone number!
In anycase, I am a big fan of stability. I transfer almost 1K into the account every month, and I just love watching the interest dollars earn more and more.
Also, ING Direct tells you whats going on in your account, ie Deposits, or widthdrawals, they even tell you when the interest rate has been increased! I like getting those emails.
ING Direct has been working out well with my linked BofA account. I just wonder how easy is it for me to link my Scottrade acct to my Orange Savings so I can move money in an out of the market.
Currently Scottrade pays like a bank on unused funds available for trading. However they do offer CD’s and MoneyMarket.
Just my $0.02
-Israel
Washington Mutual isn’t on your list?
They didn’t come up in the Google results. There’s no question: my methodology here is lame. And I forgot completely about Bankrate, which is silly since I visit that site for other reasons a couple times a week.
Thanks for reminding me of WaMu, Jonathan…
Wow, I’ve always been a huge fan of ING but I didn’t know it had as many strong supporters as it does here. To join the crowd: it also takes me 3-4 days to put money into ING from BoA, but only takes 1-2 days to withdraw money from ING to BoA.
HSBC also seems to be a fan favorite here too. I’ve honestly looked into it, but I guess I just can’t get use to their web interface. I personally like ING’s better.
Well JD, from the sound of the votes it seems you really have two strong contenders: ING and HSBC.
Every pfblogger should bookmark bankdeals.blogspot.com and check it regularly. Banking Guy is my hero.
Anyway, as I’ve said before, when I look for an online savings account, I want:
Ease of beneficiary nomination for transfer on death. This is my first priority, because I don’t want these assets probated. On this front, Emigrant and E-Loan are by far the best. You can do it online as you open the account. E-Trade lets you mail a form in. ING doesn’t offer this option anywhere on the site, although I suppose you could email them and check.
Low minimums. If I have an emergency, I don’t want to pay fees to pull my funds. Emigrant, ING, E-Trade and many others do well here. You have a list of some of those that don’t.
Decent rates. There is no reason I can’t get at least 5% in the current prime rate environment, and I look for companies that have done this consistently. Again, Emigrant, HSCB and others do well.
Ease of direct deposit. ING offers a form. Emigrant and E-Trade both offer routing numbers. I’m sure most others do, but it’s worth checking the website to see if they make it obvious. (I’m lucky in that my HR system lets me request routing for anything I want.)
Electronic delivery of monthly and tax statements. I don’t like waiting for my 1099s. This is one reason I left VirtualBank. Again, ING, Emigrant, and E-Trade have all done well for me here.
The upshot is I went with one account at Emigrant and one at E-Trade. If I had to pick, I’d go with Emigrant. After the rollout hiccup last year, I have not had one single problem, and the site is a dream to use.
I clicked through from the RSS hoping somebody would say more about the E-Trade QuickTransfer. Oh well.
I have been using HSBC for a month or so, but don’t have anything to compare it to. In this case, I guess it is fine.
I use use E*TRADE for both my brokerage account and my checking account. I agree with others the support is definitely lackluster. I am seriously considering switching to ING’s Electric Orange checking. I am concerned about the lack of physical checks. Anyone have any thoughts on this?
As far as the QuickTransfer feature. I don’t find it to be anything special. You are basically allowed to setup accounts (either other E*TRADE or outside banks) which you can transfer money to and from. That’s it. I don’t find it to be very “Quick” for being called QuickTransfer. It takes the normal 2 to 3 days of a regular electronic transfer if you’re going to or from an outside bank. Obviously transfers within E*TRADE are instantaneous.
moved from ING to GMAC about 18 months ago ( based on bankrate.com info). GMAC is faster and the rate is higher. Very happy with the switch. I use the big local bank ( Chase ) for checking/ATM because they have waaaay more free atm’s here ( Chicago ) than anyone else.
If you are hands off Money Market Accounts are great. I recently opened one at AmTrustDirect. But if you hare more hands on Treasury Bills are the way to go. Because they are actually exempt from State & Local taxes their Tax EAPY (Tax Equivalent Yield) can actually be 6%+.
TreasuryDirect.gov
A bunch of other blogs have tons of info on how to open an account, and calculating the EAPY (it is different if you itemize and changes depending on state tax rates, etc.)
EmigrantDirect’s rate (5.05) isn’t the highest, but their transfer feature allows you to set an exact date on which transfered money appears in the target account, rather than the generic 2-3 days. Very useful for timing bills and other transactions.
Fidelity also has a great money market that pays over 5%. They also feature free banking services, so if you need to transfer between Fidelity and your bank, it’s an easy online process.
Fidelity also does offer a one stop shop for all of your banking info. You can establish and download all of your bank info for all your banks and accounts into one screen. (including any SkyMile and Credit card points accounts)
Dustin, I think “outbound” QuickTransfers are pretty average, but “inbound” transfers (from your external checking account, for example) actually credit on the day of the request. I don’t particularly care if the money isn’t wired directly as long as I’m paid interest on the assumption that it is.
HSBC took an unacceptably long time to approve our account. We finally had to go into a local branch; when we went to access the account online the next day, we couldn’t get into it. We called their customer service line and they said they had no record of our deposit or our account. Luckily, we started with just $10, but if they can’t keep track of that I won’t trust them with any more of our cash.
I have an E*Trade Complete Savings account, which I opened largely because I keep almost all of my banking/brokerage accounts there. Overall, I like the features and offerings, and I really like the idea of keeping everything in one spot.
There are a couple of things I don’t like. First, the time it takes to fund a new account is excessive. Even if you transfer money from an existing E*Trade account, it takes something like 7 business days for the transfer to take place.
Also, the banking side of E*Trade went through a core software conversion recently, and I lost the ability to automatically update through MSMoney. The brokerage accounts work fine. They don’t seem to have designs on fixing this.
I’ve been with ING for about a year now and have been quite happy with them, although I must admit that it’s tempting to chase the slightly higher interest rates of the other online banks.
I’ve been thinking about dropping the brick and mortar bank altogether and opening up an Electric Orange account to pay the bills. Does anyone here do all of their banking using only online banks?
In the meantime, are there any fees to do transfers between ING and your linked bank (BoA, in my case)? It’s something I haven’t yet tried…
Add me to the list of PayPal fans. Besides the 5.05% APR, you can also get a PayPal debit card which pays 1% cash back on purchases. The money is instantly refunded back into your account. Plus withdrawing cash and transferring funds to your bank account or any other PayPal user is easy. Also, if you link your bank account and you charge more than you have in your account, PayPal will draw the balance from your checking account automatically, up to a certain amount.
Been using ING for a year. Love it, although I havnt tried others. I do have a etrade account so i might take advantage of rhtier 5 %.
After seeing all their fees/etc though I really dont like etrade. I’m slowly switching over to scottrade.
So basically my setup is
BOA - small amount of money for rent/etc
ING - storage for money
Scottrade - broker/roth IRA
@Don
There are no fees associated for transferring money between ING and BoA.
I “virtually” do all my banking online using the Electric Orange account. Money is directly deposited there, and I use that account to pay all my bills too. I still have my ING linked to BoA simply because I travel a lot and I’m always able to find a BoA ATM machine to pull out any needed cash.
I have both ING and virtualbank. VB seems to follow the fed closer and they have worked well for me.
Another ING fan here; I’ve been using them for almost a year and am really pleased. The website is secure, thoughtfully laid-out and extremely easy to use. I recently shifted the bulk of my savings cash over to HSBC to take advantage of the 6% deal they’re running, but when that deal ends I’ll send the cash back to ING. HSBC’s website is a wreck.
I am in the same position as J.D. - tired of the low interest rate at Wells Fargo and looking for an online bank with a good rate. And now, I need to decide between HSBC and ING - has anyone had any particularly good/bad experiences with either bank? I can’t decide!!
i use emigrant direct. they used to guarantee the highest rate in the country until HSBC put the squeeze on ‘em. but i like the fact that there’s no minimum to open or maintain the account. you earn 5.05% regardless of how much you have in there.
emigrant is also pretty good about matching rates too. in the year or so i’ve had the account, emigrant has pretty much kept pace with hsbc.
i also have a checking account with wachovia. transfers between the two are pretty seamless. i just schedule the transfer (either direction) with emigrant.
in the last few months, it’s taken no more than a day to transfer money between the accounts. but in the past, i’ve had to wait three or four days.
I’ve been using ING Direct for almost 6 months.
Because I’m just getting started out, the “no minimums” policies at ING Direct are good for me. I’ve finally got my cushion savings account filled up, and now I’m starting to put some into my emergency fund. (as a side note, I opened the emergency fund with $25, and earned 8 cents interest in the first month).
Plus, ING Direct has other products like a free checking account that gives you 4% APY with free billpay; no-minimum CD’s (I’ve got two for $50, and one for $100; much less than the minimums required at HSBC), and an IRA with index funds ($25 min, + $25/mo; cheaper than most IRA’s you’ll find).
Those are just the ones I use. And they’re helping me get things under control. The no minimum part is the best.
You mentioned the interfaces… the ING Direct interface is clean, and easy to use for most people. Personally, I find it a little too simplistic, but I’m a professional computer nerd.
On the interface in every interest-bearing account, you can get a count of how much interest you’ve accumulated so far this month, and so far this year. This type of feedback has helped me immensely! The way my mind works, I know I’d pull money out if I wasn’t watching it grow right before my eyes each time I log in.
They also do something pretty convenient that my other online banking websites don’t do. On the OFX (MS Money) export, they take advantage of the fact that OFX supports multiple accounts in one export file. Thus, even though I’ve got 6 accounts with them, I only download one file to reconcile in GnuCash.
And I know the ING Direct website works with all alternative operating systems.
All four of my accounts (interest-bearing checking, Traditional IRA, Roth IRA, and taxable brokerage, which I use as ’savings’) are with E*Trade and I couldn’t be happier. By having all of my accounts with E*Trade, I am well-above the minimums to avoid monthly fees (including ATM fees) even though any individual account may drop below- it’s the sum total they look at. I have one dashboard for all my accounts at a glance.
I’ve never had any problems with transfers, since they’re now all to other E*Trade accounts. There are no limits to transfers and they can be scheduled or one-time, nearly instantaneous.
Any downside to one-stop-shopping (such as the amount of time it takes to get all your accounts transfered) isn’t going to be limited to E*Trade, it’s going to be the same no matter where you go.
If you qualify, USAA has some of the best rates around.
You all should check out GE Money as well. They offer tiered APYs, with the highest being 5.05%
http://www.gemoney.com/personal/savings/index.html
Very simple to set up and manage! No minimum and you can set up automatic transfers.
Anybody use Capital One? I stumbled across their web site one day and see that they have a very competitive money market offering. That surprised me, as I don’t think I had seen it advertised before.
It’s at 5.0% APY now, which is not bad. BUT if you’re a Costco member you can open a Capital One MM account and earn 5.2% APY. That’s close to as good as you’ll find these days, and it’s a well-known, reputable company.
So I’m curious to see if anyone has an account there.
Another CITI customer chiming in. I used ING in the past and it was great, but Citi allows you to withdraw from your online MMA at the branch same day. So you have access to your MMA at a branch and transfers to checking accounts are available same day, unlike with ING or other “traditional online banks” (if such a thing exists for a service that is only ~two years old). Moved to Citi a few months ago, really couldn’t be happier. Much more user friendly than ING or EmigrantDirect. My money is available at all times.
I haven’t seen anyone mention risk. I have an account with ING. I’m leary of HSBC, GMAC, Countrywide and others that might be mired in the subprime (and now Alt-A) mortgage debacle - as in they made loans to people who couldn’t pay back. Sure if it’s an FDIC insured bank you’re OK up to $100K, but there’s still the hassle involved in getting your money back - if there was trouble you can bet that there would be some delays getting your money from the FDIC. Something to keep in mind.
I have been using Emigrant Direct for 6 months and have been very pleased so far. They employ more security than just a username and password which I like. I should have done this sooner. My brick bank is paying .10% (that is a tenth of a percent) on my savings so I moved my money over to Emigrant at 5.00% and have been very happy since. Stay away from Etrade! I had a brokerage account there and they were penalizing me since I did not have the minimum balance and never let me know. Pretty crooked if you ask me. I introduced my parents to Emigrant and the 2 initial deposits they do for security was more money than they earned on the $10,000 in the brick bank from the previous month! Were talking about $1.50 but just shows you how the brick banks are fleecing everyone right now.
I have to put in a plug for Emigrant Direct. I have had accounts with them for almost a year and a half now. Transferring money back and forth is easy and usually happens the next business day. No fees. Like the security. Like that I actually have interest income to speak of for a change. If my regular bank would pay good interest rates, they would have more of my money. For now, thanks Emigrant.
A great site for tracking the best rates on savings accounts, cds, money markets, etc is Best Cash Cow.
Enjoy.
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USAA has the most AMAZING customer service. Business Week rated it #1 in customer service above (2)Four Seasons, (3)Cadillac, (4)Nordstroms, and (5)Wegmans. Their service is so good we have our checking, savings, credit cards, mortgage, home & auto insurance with them. Any time we have tried somewhere else, we get so pissed off with the customer service we end up right back with USAA. We rarely have to wait when calling them, their phone numbers are obvious (and you’re encouraged to use them), and their reps across the board are EXTREMELY patient and nice. Just recently my husband called to change our insurance from renters to homeowners, and they (without prompting) let him know that we qualified for new discounts on our already active auto insurance.
For savings accounts, you get 4.85% above $10k. For the checking they reimburse you up to $10 a month for ATM fees, and don’t charge any themselves. So, if we use a BofA ATM, eg, we get the $2.50 back that BofA charges. That means we can use any ATM anywhere for free. They also have the Deposit@Home program where you scan a check in, and deposit it electronically. It’s amazing. Their brokerage accounts have trades that are $5.95 or $11.95 depending on the amount in your account.
The website makes it seem like you need to either be in the military or have a spouse/parent that is/was (my case), however we have friends that opened banking accounts without this requirement, but they can’t get the insurance. So it might be worth a call. (1-800-531-2265)
Honestly, I can’t rave enough about them!
Great comments. One option that doesn’t advertise heavily is GE Interest Plus - http://geinterestplus.com/interestplus/
Amount APY
Less than $15k 4.91
$15k - $49,999 5.17
$50k and more 5.43
It’s not FDIC insured as its invested in unsecured debt from GE Capital (read prospectus), but I’ve had it for many years and it’s consistently above other options I’ve researched (excluding promo offers). There is a similar type account with GMAC (6% top rate as I recall), but I like GE’s financial strength much more, so not willing to switch.
You can do direct deposits and link with your checking account for ACH transfers…so maximize the interest earned until it’s time to pay bills.
Like some of the other posters, I don’t like to switch accounts all the time…
I don’t think anyone mentioned this, but HSBC has ATM access too. As an added incentive for California customers, you can withdraw money from any Wells Fargo ATM without any fees. The exchange rate from withdrawing from an HSBC ATM in a foreign country is better than any rate I can get from any currency exchange service.
Electric Orange, ING’s checking account USED TO be only available to a select few. It’s not that way anymore. I’ve had the debit card for about a month now, and I find the service to be great– Love instantly being able to transfer money from my ING savings to withdrawable Electric Orange. Plus it uses “cardtronics” ATMs, so that means no $1.95 surcharge on ATMs in every CVS, Supermarket, Convenience Store, and basically any other store around. There’s a free ATM locater on the website thats very useful.
[...] Which Online High-Yield Savings Account is Best? ? Get Rich Slowly (tags: blog finance finances management money saving investment savings budget interest) [...]
I have had an ING account now for over a year and find it is o.k. except for beneficiary or co-owner. I recently opened a Capital One for the better rate and that I can have my daughter as a co-owner; they also provide for beneficiaries. Not much experience yet. ING has worked best in transferring money when I know the date of transfer ahead of time, just plug it in and on that date money is there.
I can vouch for ING Direct.
Very easy to use. No nonsense transaction capabilities. Money in, money out, money into CDs, etc.
I’m sure the other banks are fine too.
[...] a post over at Get Rich Slowly with each bank and their respective rates. The article, titled “Which Online High-Yield Savings Account is Best?”, made the front page of [...]
Most of the other points have been covered already so I’ll just mention that I like Emigrant over HSBC and ING purely because I can log in with a username that I selected.
Both HSBC and ING identify you with an assigned long customer number that I had to look up every time I wanted to log in.
Great article! I have been looking to move from my bank’s MMA to something better, there are some great options…
Maybe you said it had to be FDIC insured, as you mentioned the ones originally listed all were, but I stand by Ford’s Interest Advantage account.
- Need $1000.
- Free transfer in/out from another bank acct.
- Free checks and unlimited check writing above $250.
- No fees.
Current rates as of Mar 19th:
Invested InterestRate CompoundYield
Under $15,000 5.75% 5.90%
$15,000 to $50,000 5.90% 6.06%
Over $50,000 6.05% 6.22%
ING FTW
Pc Financial is the best bank online in Canada for a savings account. 4% interest in the savings account on balances over $1000 no fees on anything, and you can use any CIBC atm in canada for free. I really don’t understand why everyone doesnt use it.
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+1 for HSBC — I’ve been using them for a little over a year now after switching from ING Direct. HSBC consistently has higher rates than ING, which was my reason for switching.
HSBC does not currently do the “long customer number” thing mentioned above. I log in with a user name, although they do the new image/cookie thing along with 2 passwords. Security is a good thing though…
I am interested in looking around at better rates for larger amounts of $$$.