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Key Takeaways
- Savings account yields are much higher than a few years ago
- Top rates may fall if the Federal Reserve cuts interest rates
- Online banks tend to offer the best yields available
Rates on savings accounts are about the same versus a week ago. You can now earn as much as 5.84% on your savings.
Shopping for an account where you can park some cash? Here’s a look at some of the best savings rates you can find today.
Related: Find the Best High-Yield Savings Accounts of 2025
Top
Savings
Accounts for
December 19, 2025
Checking
Quick Look
– Open a 360 Checking account on or after August 22, 2024, using promotional code CHECKING250
– Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
– Capital One will deposit the bonus into your account after the first two requirements listed above are completed.
– See full offer details and when the bonus will be posted at https://www.capitalone.com/bank/checking250/affiliate.
Current Promotion
Earn a $250 bonus with 360 Checking. No fees, no minimums. Terms and eligibility requirements apply*
Annual Percentage Yield, as of 10/01/2025
3.40%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Capital One’s Website
Savings
Quick Look
– Save big with no fees or minimums. Open a 360 Performance Savings account today.
– With 360 Performance savings, grow your money on the go with our top-rated mobile app.
-Watch your money grow with no monthly fees or minimums.
Annual Percentage Yield
Up to 4.20%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Peak Bank’s Website
Savings
Quick Look
4.20% APY on balances of $.01 to $9,999,999.99
2.02% APY $10,000,000 and above
– No hidden fees
– Secure online access
– Personalized customer support
Empowering customers to reach their financial summit.
Climb higher with Peak Bank.
Annual Percentage Yield (APY — Annual Percentage Yield is accurate as of November 20, 2025. $1,000 minimum to open the account.)
3.25%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On CIT Bank’s Website
CD
Quick Look
No penalty to access funds if needed before maturity. Note no withdrawals are permitted during the first 6 days following the receipt of funds.*
Daily compounding interest.
No monthly service fees.
Disclosures
APY — Annual Percentage Yield is accurate as of November 20, 2025. $1,000 minimum to open the account.
With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.
For complete list of account details and fees, see our Personal Account disclosures.
Annual Percentage Yield
up to 3.00%
Dec 17, 2025
Earn a $500 bonus after opening a new Bluevine Business Checking account between now and March 31, 2026, using referral code FORBES500 and meeting eligibility requirements. Terms apply.
$500
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On BlueVine’s Website
Checking
Quick Look
Open an account with no monthly or overdraft fees, no minimum balance, and unlimited transactions
Earn 1.30% APY on balances up to $250,000 if you meet a monthly activity goal — you must spend $500 per month with your Bluevine Business Debit Mastercard or receive $2,500 per month in customer payments into your Bluevine Business Checking account via ACH, wire transfer, mobile check deposit or directly from your merchant payment processing provider.
FDIC-insured up to $3 million per depositor through Coastal Community Bank, Member FDIC, and other program banks.
Current Promotion
Earn a $500 bonus after opening a new Bluevine Business Checking account between now and March 31, 2026, using referral code FORBES500 and meeting eligibility requirements. Terms apply.
Annual Percentage Yield (APY) is fixed and assumes reinvestment of principal and interest until maturity; penalty may be incurred if funds are withdrawn prior to maturity.
4.40%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Bask Bank’s Website
CD
Quick Look
-New CD account must be funded with a single, lump-sum deposit of at least $1,000 within the first 10 business days after account opening. If your CD is not funded with at least $1,000 within 10 business days, your account will be closed automatically. Once you make your initial deposit, you will not be able to make any additional deposits until the renewal grace period at the completion of the CD term.
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
3.65%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Synchrony Bank’s Website
Savings
Quick Look
– Save with Synchrony Bank. Open a High Yield savings account without a minimum deposit. Member FDIC. Learn more about banking online with Synchrony Bank today.
– Savings products with competitive rates, no required minimum balances, and no monthly fees.
– Save easy with Synchrony Bank. Our app makes it a snap to bank anywhere; manage accounts from your smartphone or tablet.
Bank / Institution
Synchrony Bank
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
3.65%
Monthly Maintenance Fee
$0.00
Advertised Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
3.90%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Sallie Mae’s Website
Savings
Quick Look
– No minimum deposit required
– No monthly maintenance fees
– Free transfers
– FDIC-insured
– Easy online account management
Bank / Institution
Sallie Mae
Advertised Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
3.90%
Min. balance for APY
$0.00
Monthly Maintenance Fee
$0.00
Annual Percentage Yield
3.00%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Quontic Bank’s Website
CD
Quick Look
Quontic offers competitive certificates of deposit (CDs) across five terms, from six to sixty months. Opening a Quontic Bank Certificate of Deposit requires a minimum deposit of $500.
APY (Annual Percentage Yield) is accurate as of 12/15/25. Minimum balance required to open an account is $100. Must maintain $0.01 to earn interest. Rates may change at any time without notice. Fees may reduce earnings.
3.55%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Believe Saving’s Website
Savings
Quick Look
– 3.55% APY¹ on all balances of $0.01 or more
– No monthly fees or minimum balance to earn interest
– 0.10% charitable donation made by the bank (not deducted from customer returns)
– Fast & easy sign-up — under 5 minutes
– Fully digital onboarding & secure account access
– Customers can select or change their nonprofit beneficiary at any time
Disclosures:
¹APY (Annual Percentage Yield) is accurate as of 12/15/25. Minimum balance required to open an account is $100. Must maintain $0.01 to earn interest. Rates may change at any time without notice. Fees may reduce earnings.
Bank / Institution
Believe Savings, a division of Regent Bank
APY (Annual Percentage Yield) is accurate as of 12/15/25. Minimum balance required to open an account is $100. Must maintain $0.01 to earn interest. Rates may change at any time without notice. Fees may reduce earnings.
3.55%
Min. balance for APY
$0.01
Monthly Maintenance Fee
$0.00
Annual Percentage Yield. See website for details.
3.67%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On U.S. Bank’s Website
CD
Quick Look
Grow your money with a Certificate of Deposit account at U.S. Bank. Now, get a higher rate of return by locking in an exclusive rate on balances up to $250,000:
– 3.67% Annual Percentage Yield (APY) for 6 months
Rates vary by term and location. Member FDIC.
Annual Percentage Yield
3.90%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Live Oak Bank’s Website
Savings
Quick Look
The Live Oak Personal Savings account has no monthly maintenance fees.
It also has no minimum deposit requirement to open an account.
You can open an account in minutes online and access your account online or through the bank’s mobile app.
Annual Percentage Yield
4.00%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Live Oak Bank’s Website
CD
Quick Look
A CD is a great savings tool for your long-term financial goals. When interest rates fluctuate, you can be confident that you have a guaranteed rate of return on the money you’ve placed in your Live Oak CD account.
– 4.00% APY (accurate as of 10/22/25)
– $2,500 minimum to open
– Monthly interest disbursement fee: $0
– Interest can be automatically disbursed monthly
– FDIC insured up to $250,000 per depositor for each account ownership category
– No online banking or monthly maintenance fees
– Available to people nationwide
– Manage renewal preferences online
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On Axos Bank’s Website
Checking
Quick Look
No monthly maintenance fees
Unlimited transactions
Unlimited domestic ATM fee reimbursements
Free domestic incoming wires
Current Promotion
Open a Basic Business Checking account using promo code START200 by June 30, 2026 and maintain and minimum average daily balance of $3,000. Terms apply.
Annual Percentage Yield
N/A
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On Mercury’s Website
Checking
Quick Look
– No monthly or overdraft fees, or minimum balances.
– Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and sweep networks.
– Free domestic and international wires (USD)
– Make scheduled & recurring payments via ACH, wire, or check
– Access credit sooner with the IO Mastercard thanks to startup-friendly terms, and earn unlimited 1.5% cashback¹
– Virtual and physical debit cards
– Earn yield on idle cash right alongside your operating accounts via Mercury Treasury (With $350K minimum balance)²
Disclosures
*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.
¹The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.
²Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser. This communication does not constitute an offer to sell or the solicitation of any offer to purchase any security. Funds in Mercury Treasury are subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. Please see full disclosures at mercury.com/treasury. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies.
Mercury Treasury is not insured by the FDIC. Funds in Mercury Treasury are not deposits or other obligations of Choice Financial Group or Column N.A., and are not guaranteed by Choice Financial Group or Column N.A.
Annual Percentage Yield – Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.
0.50%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On SoFi’s Website
Checking
Quick Look
– No account fees**
– No minimum deposit requirement
Disclosures:
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
**SoFi does not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
***Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Current Promotion
**New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Annual Percentage Yield – Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.
0.50%
Monthly Maintenance Fee
$0.00**
Annual Percentage Yield. See website for details.
up to .005%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On U.S. Bank’s Website
Checking
Quick Look
Get started on your path to better banking with U.S. Bank Smartly® Checking, an account made for more.
• Be rewarded as your relationship grows with automatic access to U.S. Bank Smart Rewards® with benefits like fee waivers, loan discounts, and more with qualifying activities
• Start off on the right foot with no monthly maintenance fee for the first two statement periods, then multiple ways to waive after that
• Pair with U.S. Bank Smartly® Savings to unlock higher rates on your savings
• Get helpful insights, track spending, and manage bills & subscriptions with the U.S. Bank Mobile App
U.S. Bank Smartly® Checking may not be available if you live outside of the U.S. Bank footprint. Member FDIC.
Current Promotion
*•Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through January 28, 2026. Member FDIC.
•Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Bank / Institution
U.S. Bank
Annual Percentage Yield. See website for details.
up to .005%
Min. balance for APY
$25.00
The $12 monthly maintenance fee waived by (must meet at least one of the following criteria): -Combined monthly direct deposit $1,500+ -Average account balance of $1,500+ -Owner of an eligible Small Business Checking account -Is part of one of the following customer groups: Youth, Young Adult, Senior, Military, and more -Customer is in Smart Rewards® Gold Tier or Above -Owner of a U.S. Bank Smartly™ Visa Signature® Card
$12 or $0
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
4.10%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Synchrony Bank’s Website
CD
Quick Look
– Open a CD Account with Great Rates and No Minimum Deposit.
– No minimum balance.
– No monthly fees.
Bank / Institution
Synchrony Bank
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
4.10%
Min. balance for APY
$0.00
Monthly Maintenance Fee
$0.00
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
Checking, savings, money market account, CDs
FEES
Excess withdrawal and outgoing wire transfer fees
ATM NETWORKS
91,000+ ATMs nationwide
On Axos Bank’s Website
Online
Quick Look
Axos Bank offers a range of competitive banking products for individuals and businesses alike. Its digital-first approach makes it a great choice for those who prefer to manage their finances online. With fee fees, industry-leading interest rates and an expansive ATM network, Axos Bank is a great choice if you’re looking for a trusted online bank with modern features.
Annual Percentage Yield
0.10%
Dec 17, 2025
Earn a $250 bonus with 360 Checking. No fees, no minimums. Terms and eligibility requirements apply*
$250
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Capital One’s Website
Checking
Quick Look
– Open a 360 Checking account on or after August 22, 2024, using promotional code CHECKING250
– Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
– Capital One will deposit the bonus into your account after the first two requirements listed above are completed.
– See full offer details and when the bonus will be posted at https://www.capitalone.com/bank/checking250/affiliate.
Current Promotion
Earn a $250 bonus with 360 Checking. No fees, no minimums. Terms and eligibility requirements apply*
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
Checking, savings, money market, certificates of deposit
FEES
Outgoing wire transfer and dormant account fees
ATM NETWORKS
90,000+ ATMs nationwide
On Quontic Bank’s Website
Online
Quick Look
Quontic Bank offers one savings account, two checking accounts, a money market account and five CDs with terms ranging from six months to five years.
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On BMO’s Website
Checking
Quick Look
– No monthly maintenance fee
– Access to over 40,000 fee-free ATMs across the U.S.
– Personalized support through online chat, phone and in branch
Current Promotion
Earn a $400 Cash Bonus* when you have $4,000 in direct deposits within 90 days of opening between 9/9/25 – 1/28/26 *Conditions apply. Accounts are subject to approval and provided in the U.S. by BMO Bank N.A. Member FDIC
Annual Percentage Yield
1.10%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Quontic Bank’s Website
Checking
Quick Look
Earn 1.10% APY on all balance tiers if you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle. $100 minimum opening deposit.
Annual Percentage Yield
3.85%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
Savings
FEES
No monthly, overdraft, or ATM
ATM NETWORKS
90,000+ ATMs nationwide
On Quontic Bank’s Website
Savings
Quick Look
Interest is compounded daily and credited monthly. There is a $10 excess transaction fee for certain transactions over six from the account per account statement cycle.
Annual Percentage Yield, $300 monthly deposit requirement for the 3.25% APY.
Up to 3.25%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Cash App’s Website
Savings
Quick Look
-Unlock Cash App’s highest savings interest offer of up to 3.25%.*
-Automated savings tools to foster financial success and track goals.
-No monthly fees or minimum balance.
-24/7 fraud monitoring and prevention.
Disclosures
Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.
Prepaid debit Cards issued by Sutton Bank, Member FDIC. See Terms and Conditions.
Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions.
Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information.
To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify.
If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On U.S. Bank’s Website
Checking
Quick Look
Promo code Q4AFL25 MUST be used when opening a Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
– Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
**Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.
Current Promotion
*Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q4AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Bank / Institution
U.S. Bank
Min. balance for APY
$0.00
**Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.
$30, or $0**
Annual Percentage Yield – Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.
Up to 4.30%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On SoFi’s Website
Savings
Quick Look
– No account fees**
– No minimum deposit requirement
Disclosures:
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
**SoFi does not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
***Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Current Promotion
*New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Annual Percentage Yield – Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.
Up to 4.30%
Monthly Maintenance Fee
$0.00**
Annual Percentage Yield
1.50%*
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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PRODUCTS
ATM NETWORKS
On Found’s Website
Checking
Quick Look
*1.5% Annual Percentage Yield (APY) up to $20,000 when users subscribe to Found Plus. Compounds monthly based on the Monthly Average Balance of up to $20,000.
Found is a financial technology company, not a bank. Business banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution. The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.
Found’s core features are free. Found also offers two optional paid products, Found Plus for $19.99 / month or $149.99 / year or Found Pro for $80 / month or $720 / year.
Optional subscriptions to Found Plus for $19.99 / month or $149.99 / year or Found Pro for $80 / month or $720 / year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule.
Annual Percentage Yield (APYs — Annual Percentage Yields are accurate as of November 20, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.)
Up to 3.75% APY*
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On CIT Bank’s Website
Savings
Quick Look
*3.75% APY on balances of $5,000 or more.
*0.25% APY with a balance of less than $5,000.
No account opening or monthly service fees, so you can keep what you earn.
Disclosure
*Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of day account balance. *APYs — Annual Percentage Yields are accurate as of November 20, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of December 15, 2025.
For complete list of account details and fees, see our Personal Account disclosures.
Current Promotion
*This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on November 20, 2025 and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Go to https://www.cit.com/cit-bank/platinum-savings/PS2025 to see promotion details and terms.
Bank / Institution
CIT Bank
Annual Percentage Yield (APYs — Annual Percentage Yields are accurate as of November 20, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.)
Up to 3.75% APY*
Min. balance for APY
$5,000
Monthly Maintenance Fee
$0.00
Annual Percentage Yield
up to 3.10%
Dec 17, 2025
1% cash-back on all Qualified Purchases made by eligible Innovator Business Checking account holders. Terms and conditions apply.
1%
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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PRODUCTS
ATM NETWORKS
On Grasshopper Bank’s Website
Checking
Quick Look
– Easy Digital Account Opening. Apply online in as little as 5 minutes from any device – no lines, no hassle.
– Earn up to 1.35% APY with Innovator Checking.
– Unlimited Transfers. Move money easily with unlimited free ACH and incoming domestic wires. Plus, no monthly fee and unlimited transactions.
– 24/7 Online & Mobile Banking. Access powerful digital banking tools at your fingertips and exclusive perks from industry leaders in our marketplace.
– $100 minimum deposit to open, but no minimum balance requirements once the account is open.
Current Promotion
1% cash-back on all Qualified Purchases made by eligible Innovator Business Checking account holders.
Annual Percentage Yield, Variable APY
0.05%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On KeyBank’s Website
Checking
Quick Look
Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.
– $25 monthly fee is waivable when requirements are met
– No minimum balance required
– Early Pay: Get paid up to two days early with eligible direct deposits to a KeyBank account.
– EasyUp®, Automatic Savings: Use EasyUp to build up savings or pay down debt without even thinking about it.
– Key Coverage Zone®: If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
– Easy Direct Deposit Set Up: Sign on to online or mobile banking to have your paychecks or other recurring payments automatically deposited to your Key account quickly and securely.
Current Promotion
Bonus Required Activities: Open a Key Select Checking® account online by May 22, 2026. Make the minimum opening deposit of $50 and make a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening. Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Bank / Institution
KeyBank
Annual Percentage Yield, Variable APY
0.05%
Min. balance for APY
$0.00
The $25 monthly maintenance fee for the Key Select Checking® Account is waived for the first three months and then can be waived by: 1. Having eligible direct deposits totaling at least $3,000 during each statement cycle. OR 2. Having a combined balance in any combination of KeyBank checking, savings, certificates of deposit, retirement deposits, and Key Investments Services LLC accounts of $15,000 or more during each statement cycle.
$25.00
Annual Percentage Yield
0.01%
Dec 17, 2025
*$0 when opened online, $25 when opened at a branch
$0.00
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On PNC’s Website
Checking
Quick Look
– $0 when opened online, $25 when opened at a branch.
– Ways to avoid the monthly service charge
– No PNC charges for using other banks’ ATMs and increased reimbursements available on other bank’s fees
– Highest interest earning potential on your Growth account
– No charge for domestic wires
Current Promotion
1. Open a new Virtual Wallet with Performance Select.
2. Receive a qualifying direct deposit(s) of $5,000 in the first 60 days to the Spend account of your new Virtual Wallet.
3. Your cash reward of $400 will be deposited to your Spend account 60-90 days after conditions have been met.
Advertised Annual Percentage Yield (APY) for the Sallie Mae Certificate of Deposit Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
Up to 4.10%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Sallie Mae’s Website
CD
Quick Look
– $2,500 minimum deposit and balance
– No monthly maintenance fees
– Guaranteed returns
– FDIC-insured
– Automatic renewal option
Bank / Institution
Sallie Mae
Advertised Annual Percentage Yield (APY) for the Sallie Mae Certificate of Deposit Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
Up to 4.10%
Min. balance for APY
$2,500.00
Monthly Maintenance Fee
$0.00
Advertised Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
3.90%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Sallie Mae’s Website
Savings
Quick Look
– No minimum deposit required
– No monthly maintenance fees
– Free transfers
– FDIC-insured
– Easy online account management
Bank / Institution
Sallie Mae
Advertised Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
3.90%
Min. balance for APY
$0.00
Monthly Maintenance Fee
$0.00
Annual Percentage Yield
4.00%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Alliant’s Website
Annual Percentage Yield, as of 10/01/2025
3.40%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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PRODUCTS
ATM NETWORKS
On Capital One’s Website
Savings
Quick Look
– Save big with no fees or minimums. Open a 360 Performance Savings account today.
– With 360 Performance savings, grow your money on the go with our top-rated mobile app.
-Watch your money grow with no monthly fees or minimums.
Annual Percentage Yield
N/A
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On Ramp’s Website
Checking
Quick Look
– Earn 2.5%¹ on fully liquid cash in the Ramp Business Account²
– No monthly fees, minimums, tiered earnings, or transfer caps
– Free wires (domestic and international) and same-day ACH for Ramp bill pay and reimbursements
Disclosures:
¹Get up to 2.5% in the form of annual cash rewards on eligible funds in your Ramp Business Account. Cash rewards are paid by Ramp Business Corporation and not by First Internet Bank of Indiana, Member FDIC. Cash rewards are subject to change. See the Business Account Addendum for more information. ²Ramp Business Corporation is not a bank. Bank deposit services provided by First Interenet Bank of Indiana, Member FDIC.
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On Rho’s Website
Checking
Quick Look
– Unlock powerful expense, bill payment & accounting automations in one powerful tool
– $0 ACH wire transfer, or overdraft fees with zero platform, ACH and no monthly subscriptions
– Enjoy premium support, custom expense approvals, and advanced role permissions
Disclosure:
*Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC.
*The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of December 1, 2025. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply.
up to 4.00%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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PRODUCTS
ATM NETWORKS
On Lili’s Website
Checking
Quick Look
– Lili offers banking, accounting, and taxes – all working seamlessly together so mall business owners can scale their businesses with confidence
– Earn a competitive up to 4.00% APY* on savings balances up to $1 Million
– Automated tax savings to help you stay on top of your finances.
– Free ACH transfers, mailed checks, and domestic wires
– No Non-Sufficient Funds (NSF) fees
– Effortlessly manage your finances with built-in bookkeeping tools
– Instant expense tracking and financial insights through a user-friendly platform
– Lili is a financial company, not a bank. Banking services are provided by Sunrise Banks, Member FDIC.
Current Promotion
Special discount: Get 30 days free plus 40% off the Lili Smart plan fee for 3 months
Bank / Institution
Sunrise Banks N.A., Member FDIC
*The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of December 1, 2025. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply.
up to 4.00%
Min. balance for APY
$0.00
Plan fees (per month): Lily Basic, Free; Lily Pro, $15; Lily Smart, $35; Lil Premium, $55.
$0, or $15, or $35, or $55
Annual Percentage Yield
Up to 4.75%*
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On AlumniFi’s Website
Savings
Quick Look
Tier 1: 4.25% APY on balances under $25,000.00
Tier 2: 4.50% APY on balances $25,000.00 to $99,999.99
Tier 3: 4.75% APY on balances $100,000.00 and up
– Earn up to 4.75% APY
– No monthly maintenance fees or minimum balance
– 22X the national credit union average as of April ’25
– Federally Insured by the NCUA
The annual percentage yield (APY) is accurate as of December 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
3.90%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Western Alliance Bank’s Website
Savings
Quick Look
– High-yield savings account with a competitive rate.
– No account fees.
– U.S.-based customer service support available from 6 a.m. to 6 p.m. PST Monday – Friday.
– No interest rate tiers. $0.01 balance required to earn interest.
– Option to open either an individual or joint account.
– FDIC Insurance up to $250,000 for individual accounts and $500,000 for joint accounts.
Bank / Institution
Western Alliance Bank
The annual percentage yield (APY) is accurate as of December 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
3.90%
Min. balance for APY
$0.01
Monthly Maintenance Fee
$0.00
Annual Percentage Yield
1.30%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On American Express’ Website
Checking
Quick Look
– 1.30% Annual Percentage Yield (APY) on balances up to $500,000¹
– Earn 30,000 Membership Rewards® points after qualifying activities²
– 70,000 Allpoint and MoneyPass ATMs³
Disclosure:
¹Effective October 12, 2022<
²(1)Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account. Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts. (2)Maintain an average account balance of $5,000 for the next 60 days. (3)Make 5 or more qualifying transactions within 60 days of opening your account. Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.<
³At Allpoint® and MoneyPass® locations in the U.S., you can withdraw cash and get balance information with no fee. Access to ATMs outside of the Allpoint® and MoneyPass® networks are subject to fees by the ATM owner and/or network. ATM withdrawal limits apply. American Express applies foreign exchange fees to withdrawals in foreign currencies. American Express does not accept ATM cash deposits into your Business Checking account at this time. Visit americanexpress.com/atm-locator to find participating ATMs in the U.S.<
Advertised Annual Percentage Yield (APY) for the Sallie Mae Certificate of Deposit Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
Up to 4.10%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Sallie Mae’s Website
CD
Quick Look
– $2,500 minimum deposit and balance
– No monthly maintenance fees
– Guaranteed returns
– FDIC-insured
– Automatic renewal option
Bank / Institution
Sallie Mae
Advertised Annual Percentage Yield (APY) for the Sallie Mae Certificate of Deposit Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/10/2025. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement: https://www.salliemae.com/banking/terms/rd/ for details.
Up to 4.10%
Min. balance for APY
$2,500.00
Monthly Maintenance Fee
$0.00
Annual Percentage Yield
3.00%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On Live Oak Bank’s Website
Savings
Quick Look
There’s no minimum deposit requirement to open a Live Oak Bank Business Savings Account. Customers must have a balance of at least 1 cent to earn interest. The bank does not accept cash deposits.
Annual Percentage Yield
up to 3.40%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On UFB Direct’s Website
Annual Percentage Yield
3.25%
Dec 17, 2025
Interest earned calculation based on a deposit for a period equal to the full term of the CD shown. Minimum deposit rules may apply for each CD displayed.
$NaN
PRODUCTS
ATM NETWORKS
On Barclays’ Website
CD
Quick Look
There’s no minimum deposit required to open a Barclays Bank CD account. Interest on CDs is compounded daily and credited to your account monthly. Account holders can request interest withdrawals on a monthly basis, without penalty, to either a Barclays Online Savings account or linked bank account.
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On Novo’s Website
Checking
Quick Look
Novo offers free business checking accounts with no minimum balance designed to meet the needs of small businesses and startups.
– No hidden fees, monthly fees, or required minimum balance
– No Non-Sufficient Funds (NSF) fees
– Keep work and personal finances separate
– Free ACH, mailed checks, and incoming wires with express availability
– Send unlimited one-time or recurring professional invoices, free of charge
– Receive Stripe payouts up to 95% faster, free of charge
– Trust with bank-grade encryption and FDIC-insured deposits up to $250,000
*Novo Platform Inc. {“Novo”} is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A. Member FDIC.
Annual Percentage Yield
3.85%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On FVCbank’s Website
Savings
Quick Look
– A minimum deposit of $500.00 is required to open the account and earn the stated APY.
– Reliable access to funds.
– Fast and straightforward transfer options.
Disclosure:
RATE INFORMATION: The interest rate on your account is 3.850% with an annual percentage yield of 3.85%. Your interest rate and annual percentage yield may change.
DETERMINATION OF RATE. At our discretion, we may change the interest rate on your account.
FREQUENCY OF RATE CHANGES. We may change the interest rate on your account at any time.
LIMITATIONS ON RATE CHANGES. There are no maximum or minimum interest rate limits for this account.
COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest for that month.
MINIMUM BALANCE REQUIREMENTS. You must deposit $500.00 to open this account. You must maintain a minimum average daily balance of $0.01 to obtain the disclosed annual percentage yield.
The Annual Percentage Yield (APY) as advertised is accurate as of 11/26/25. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
3.40%*
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$NaN
PRODUCTS
ATM NETWORKS
On American Express National Bank’s Website
Savings
Quick Look
– Earn more interest than your average Savings with High Yield Savings Account.
– No minimum deposit requirements, and no monthly fees.*
– Access to customer service 24/7.
– Savings balances are FDIC-insured up to $250,000 per depositor, per account ownership type.
– Strengthened by the service and reliability of American Express.
*Disclosure:
There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
Bank / Institution
American Express
The Annual Percentage Yield (APY) as advertised is accurate as of 11/26/25. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
3.40%*
Min. balance for APY
$0.00
Monthly Maintenance Fee
$0.00
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
N/A
PRODUCTS
ATM NETWORKS
On U.S. Bank’s Website
Checking
Quick Look
Promo code Q4AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Bonus Options
– Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
or
– Earn your $1,200 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 1/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
**Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.
Current Promotion
*Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q4AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Bank / Institution
U.S. Bank
Min. balance for APY
$0.00
**Monthly Maintenance Fee Waiver Options: Gold Business Checking: U.S. Bank Payment Solutions Merchant Banking OR $10,000 average collected balance OR $20,000 combined average collected business deposit balances OR $50,000 combined average collected business deposits and outstanding credit balances. Platinum Business Checking: $25,000 average collected balance OR $75,000 combined average collected business deposits and outstanding business credit balances.
$30, or $0**
Annual Percentage Yield
4.20%
Dec 17, 2025
Interest earned calculation based on deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
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PRODUCTS
ATM NETWORKS
On Openbank’s Website
Savings
Quick Look
– Earn 10X the national savings average for Savings deposit products as published on FDIC.gov.
– FDIC insured: Enjoy the peace of mind that comes with being FDIC insured up to $250,000.
– No fees: Keep more of your money with no fees.
– Industry leading account security: Trusted device verification with face or fingerprint for fast, secure access.
Eligibility: You must be at least 18 years old. You must have an active U.S. mobile phone number. You must be a U.S. Citizen or U.S. Resident Alien with a valid U.S. residential address
Disclosures:
– Openbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia.
-*Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 AM ET August 26, 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential ZIP code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only.
– Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.
Traditional Savings Account Rates Today
Traditional savings accounts, often called “statement savings accounts” in the banking industry, were notorious for paying puny interest rates for more than a decade after the Great Recession. But you can find much higher yields now, especially from online banks and credit unions.
Today’s highest APY on a standard savings account with a $2,500 minimum deposit requirement is 5.84%, according to data from Curinos. If you find a basic savings account with a rate in that ballpark, you’ve done well for yourself. A week ago, the highest yield was 5.84%.
Today’s average APY for a traditional savings account is 0.22%, Curinos says. APY, or annual percentage yield, reflects the actual return your account will earn during one year. It accounts for compound interest, which is the interest that accrues on the interest in your account.
High-Yield Savings Account Rates Today
High-yield savings accounts generally pay much more interest than conventional savings accounts. But the trade-off is you may have to jump through some hoops to earn that higher rate, such as becoming a member of a credit union or putting down a large deposit.
On high-yield accounts requiring a minimum deposit of $10,000, today’s best interest rate is 4.88%. That’s about the same as one week ago.
The average APY for those accounts is now 0.22%, unchanged from a week ago.
On high-yield accounts requiring a minimum deposit of $25,000, the highest available rate today is 4.17%. You’ll be in good shape if you can get an account offering a rate close to that. That’s about the same as one week ago.
The current average APY for those accounts is now 0.24%, unchanged from a week ago.
National Average Savings Account Yields
Here’s an overview of how the national average APY on savings accounts has changed over the past few years.
This Week’s Best High Yield Savings Accounts
Here’s an overview of the current APYs available from some of today’s best high-yield savings accounts.
How To Find a Savings Account
Whether you’re looking for a traditional savings account, high-yield savings account or MMA, you’ll want to keep a few things in mind.
A high interest rate is important, but it’s not the only factor when picking an account to hold your savings. Another major consideration is whether the account has a minimum deposit – and whether you can meet that requirement.
You’ll also want to watch out for fees. Savings accounts can come with monthly maintenance fees, excess transaction fees (if you make too many withdrawals) and other pesky charges that can eat into your interest earnings.
And before you apply for an account, be sure you explore the reputation and safety of the bank or credit union. Check the reviews, see what people have to say about customer service and find out how the financial institution responds to consumer questions.
Only consider accounts insured by the FDIC or, in the case of credit unions, the NCUA. Those federal agencies provide up to $250,000 in insurance per depositor and per bank for each account ownership category.
How Often Do Savings Account Interest Rates Change?
Interest rates on savings accounts typically fluctuate in response to other rate changes throughout the economy. Savings rates are primarily influenced by the Federal Reserve’s rate moves, and the central bank has finally begun reducing its benchmark federal funds rate as inflation has fallen closer to its 2% goal.
Financial institutions usually adjust borrowing and savings rates soon after the Fed changes rates. The Fed votes to adjust rates eight times per year during meetings of the Federal Open Market Committee (FOMC).
Methodology
Curinos determines the average rates for savings accounts by focusing on those intended for personal use. Certain types of savings accounts—such as relationship-based accounts and accounts designed for youths, seniors and students—are not considered in the calculation.
Find The Best High-Yield Savings Accounts Of 2025
Frequently Asked Questions (FAQs)
What is a good interest rate for a savings account?
The best high-yield savings account pays 5.00% now, according to Forbes Advisor data, so you’ll want to aim for an account that delivers a yield in that ballpark.
But rates aren’t everything. You want an account that charges few fees, offers great customer service and has a track record of being a stable institution.
How are savings account interest rates determined?
Savings yields are variable and can change depending on economic conditions or a bank’s particular financial need. Usually rates are influenced by the federal funds rate, meaning that a bank tends to raise or lower its rates along with the Fed.
Online banks and credit unions tend to offer the best yields because they can pass along savings from low overhead while also striving to attract new customers.
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