CALABASAS, CALIFORNIA – Both mortgage and savings rates alike continued to fall this week, according to Informa Research Services’ Interest Rate Review.  With national average rates continuing this downward trend, Informa Research Services, a subsidiary of Informa plc (LSE: INF), advises consumers to look online to snag the best rates as soon as possible before they fall further (http://www.monitorbankrates.com).

By using online resources such as MonitorBankRates.com, consumers can quickly locate the best savings and loan products available.  Not only does this site offer consumers market insight and educational articles, but they also host a variety of product rate tables.  These tables are very easy to use and don’t require any personal information from an interested consumer.  Instead, all that needs to be entered is basic information (such as location) that may affect loan and savings product selection and availability.

The financial institutions featured on these tables frequently offer rates better than the current national average.  For instance, American Express is offering a high-yield savings account that earns 1.30% annually with no fees and no minimum amount to earn this great APY.  For comparison, the current national average on similar products is just 0.37% (Source: Informa Research Services, Interest Rate Review).  By checking online rate tables on a regular basis, you can be sure you don’t miss out on great deals like this!

In addition to being convenient, these online tables also make comparison shopping for financial products easy.  These tables lay out similar products from various financial institutions for quick comparison.

Savings account rates and money market account rates are low right now and probably will stay low until the end of 2010. Since rates are so low its not easy finding a good savings rate or money market rate. 

The current national average savings account rates and money market account rates for account balances of $2,500 or more are is averaging 0.27 percent this morning. Of course you can find savings account rates and money market account rates that are better than the national average rates.

Comparing savings account rates and money market account rates? Use our rate tables at SavingsAccount.MonitorBankRates.com to compare savings rates and MMA rates from several banks and credit unions. 

We ran a search for the best savings rates and money market rates in New Jersey. Sallie Mae Bank has the highest savings account rate and savings account yields on our list in Texas. Sallie Mae’s current savings account rate is currently at 1.39 percent with an annual percentage yield (APY) of 1.40 percent. The minimum opening deposit for a Sallie Mae savings account is $1.

Discover Bank and Capital One Direct Banking are tied for second best savings account rate and savings account yield on our list in NJ. Both bank’s high yield online savings account rate is 1.34 percent with an APY of 1.35 percent.

Discover Bank has a minimum opening savings account balance of $500. Capital One Direct Banking has a minimum opening savings account balance of $2,500.

Best savings account rates and money market account rates in New Jersey (NJ)

• Sallie Mae Savings Rates 1.30% APY 1.40% Min $ 1 
• Discover Bank Savings Account Rates 1.34 APY 1.35% Min $500 
• Capital One Direct Banking Savings Account Rates 1.34 APY 1.35% Min $2500 
• American Express Bank Savings Rate 1.29% APY 1.30% Min $ 0 
• Ally Bank Savings Rates 1.28% APY 1.29% Min $ 1 
• EverBank Savings Rate 1.25 APY 1.26%  Min $ 1 
• Boiling Springs Savings Bank Account Rates 1.24% APY 1.25% Min $ 1 
• Giantbank.com Savings Rate 1.15% APY 1.16% Min $1000 
• Nationwide Bank Savings Interest Rate 1.14% APY 1.15% APY Min $2000 
• Zions Bank 1.11% APY Min $2500 
• FNBO DIRECT 1.10% APY Min $ 1 
• ING DIRECT 1.10% APY Min $ 1 
• HSBC Advance 1.10% APY Min $ 1 
• Salem Five Direct 1.10% APY Min $ 1 Must have a checking account.
• PNC Bank 1.10% APY Min $ 1 
• Flagstar Bank 1.06% APY Min $ 1 
• Kearney Federal Savings Bank 1.05% APY Min $2500 
• Allstate Bank 1.01% APY Min $100 
• OneUnited Bank 1.01% APY Min $1000 Available to Internet customers only.
• First Internet Bank of IN 1.00% APY Min $100 
• EmigrantDirect.com 1.00% APY Min $ 1 
• Hudson City Savings Bank 1.00% APY Min $2500 

Fidelity Homestead Savings Bank headquartered in New Orleans, Louisiana, is offering some of the highest savings account rates and savings account yields currently available.  Fidelity Homestead Savings Bank is also offering some of the best money market account rates and yields currently available.

Looking for the best savings account rates and money market account rates ? Use our rate tables at SavingsAccount.MonitorBankRates.com to find the best savings rates and money market rates available in your area. 

Fidelity Homestead Savings Bank has one of the highest health savings account rates (HSA). The bank’s current health savings account rate is 3.00 percent with an annual percentage yield of 3.04 percent. That savings rate and savings yield is one of the best rates available anywhere.

Other savings account rates advertised include the bank’s Passbook Savings Account rate , their Statement Savings Account rate , their Christmas Club Savings Account rate and their AdvantEDGE Business Savings Account rate.

Money market account rates include Fidelity Homestead’s Money Market Fund rate and AdvantEDGE Business Money Market Account rate. The bank’s highest money market account rate is on their Business Money Market Rate for account balances of $1 million or more. The current Business Money Market Rate is 2.22 percent with an APY of 2.25 percent. That rate is one of the best money market account rates avaialable today.

Fidelity Homestead Savings Bank Current Savings Account Rates Yields

• Passbook Savings Account Rate 0.75% Yield 0.75%
• Statement Savings Account Rates 0.75% Yield 0.75%
• Christmas Club Savings Rates 0.75% Yield 0.75%
•  Health Saving Accounts Rates 3.00% Yield 3.04%
• AdvantEDGE Business Savings Account Rate 1.24% Yield 1.25%

Fidelity Homestead Savings Bank Current Money Market Fund Rates and Yields

• Balances of $1,000 – Balances of $10,000 Rate 0.25% APY 0.25
• Balances of $10,001 – Balances of $25,000 Rate 0.50% APY 0.50%
• Balances of $25,001 – Balances of $75,000 Rate 0.75% APY 0.75%
• Balances of $75,001+ Rate 1.49% APY 1.50%

Fidelity Homestead Savings Bank Current AdvantEDGE Business Money Market Account Rates and Yields

• Balances of $25,000 – Balances of $50,000 Money Market Rate 0.99% APY 1.00%
• Balances of $50,001 – Balances of $100,000 Money Market Rate 1.24% APY 1.25%
• Balances of $100,001 – Balances of $250,000 Money Market Rate 1.49% APY 1.50%
• Balances of $250,001 – Balances of $1,000,000 Money Market Rate 1.73% APY 1.75%
• Balances of $1,000,000 + Business Money Market Rate 2.22% APY 2.25%

For a list of current money market account rates and savings account rates at Fidelity Homestead Savings Bank go to fidelityhomestead.com. To compare savings account rates and money market account rates from several banks and credit unions go to MonitorBankRates.com.

Savings account yields and money market account yields have been so low the past couple of years its hard to find a decent rate. The national average savings account rates and money market account rates for account balances of $2,500 or more are only is averaging 0.32 percent this week. There are savings rates and MMA rates higher than the national averages.

Find the best savings account yields and money market account yields at SavingsAccount.MonitorBankRates.com. You can compare rates from dozens of banks and credit unions just by typing in your zip code.

We ran a search for the best savings yields and money market yields in the state of Texas. Right now Sallie Mae Bank has the best savings account rate on our list in Texas. Sallie Mae’s savings account rate is currently at 1.39 percent with an annual percentage yield (APY) of 1.40 percent. The minimum opening deposit is only $1.

Tied for second place on our best savings account rates and money market account rates list in Texas is Discover Bank and Capital One Bank. Both bank’s current online savings account rate is 1.34 percent with an APY of 1.35 percent. Discover Bank’s minimum opening savings account amount is $500. Capital One Bank’s minimum opening savings account balance is $2,500.

Best savings account rates and money market account rates in Texas

• Sallie Mae 1.40% APY Min $ 1
• Discover Bank 1.35% APY Min $500
• Capital One Direct Banking 1.35% APY Min $2500
• American Express Bank High Yield Savings Account 1.30% APY Min $ 0
• Ally Bank 1.29% APY Min $ 1
• EverBank 1.26% APY Min $ 1
• Boiling Springs Savings Bank 1.25% APY Min $ 1
• Nationwide Bank 1.20% APY Min $2000
• Giantbank.com 1.16% APY Min $1000
• Zions Bank 1.11% APY Min $2500
• FNBO DIRECT 1.10% APY Min $ 1
• ING DIRECT 1.10% APY Min $ 1
• HSBC Advance 1.10% APY Min $ 1
• Salem Five Direct eOne Savings Account 1.10% APY Min $ 1
• PNC Bank 1.10% APY Min $ 1
• Flagstar Bank 1.06% APY Min $ 1
• Kearney Federal Savings Bank 1.05% APY Min $2500
• Allstate Bank 1.01% APY Min $100
• OneUnited Bank 1.01% APY Min $1000First Internet Bank of IN 1.00% APY Min $1000
• EmigrantDirect.com 1.00% APY Min $ 1
• Hudson City Savings Bank 1.00% APY Min $2500
• Bank of Internet USA 0.90% APY Min $100
• Citibank 0.80% APY Min $ 1
• Bay Ridge Federal Credit Union 0.75% APY Min $ 1
• Haven Savings Bank 0.75% APY Min $ 50
• Oritani Savings 0.75% APY Min $250
• Columbia Bank 0.75% APY Min $ 10

Worst savings account rates and money market account rates in Texas

• AIG Bank 0.58% APY Min $2500
• Bogota Savings Bank 0.58% APY Min $ 1
• Ameriprise Bank FSB 0.55% APY Min $ 1
• Community Bank of Bergen County 0.50% APY Min $2500
• Manasquan Saving Bank 0.50% APY Min $ 25
• Sovereign Bank 0.45% APY Min $200
• Bank of America 0.40% APY Min $ 1
• Investors Savings Bank 0.35% APY Min $ 50
• E*TRADE Bank 0.30% APY Min $ 1
• NVE Savings Bank 0.30% APY Min $ 1
• Valley National Bank 0.20% APY Min $1000
• WTDirect 0.15% APY Min $ 1
• BankDirect 0.10% APY Min $100
• Chase 0.10% APY Min $ 1
• E-LOAN.com 0.05% APY Min $ 1
• Wachovia Bank 0.05% APY Min $ 1

Find the best rates at monitorbankrates.com.

The national average savings account rates and money market account rates have been low for awhile now. Interest rates will stay at these low levels until later this year but will start heading higher in 2011. The current national average savings account rate and money market account rate for account balances of at least $2,500 is averaging 0.32 percent. You can find rates higher than the national average rates.

Looking for the highest savings account rates and MMA rates? Search our rate tables at SavingsAccount.MonitorBankRates.com to find the highest rates and yields in your area.

We searched our savings rate table and money market rate table to find the highest interest rates and yields in North Carolina. Sallie Mae Bank currently has the highest savings account rate. The bank’s current savings account rate is 1.39 percent with a savings account yield of 1.40 percent.

Discover Bank and Capital One Bank is next on the list of the best savings account rates in North Carolina. Capital One Bank and Discover Bank are currently offering their online savings account rates at 1.34 percent with an APY of 1.35 percent.

Best Savings Account Rates and MMA Rates in North Carolina

• Sallie Mae 1.40% APY Min $ 1
• Discover Bank 1.35% APY Min $500
• Capital One Direct Banking 1.35% APY Min $2500
• American Express Bank FSB 1.30% APY Min $ 0
• Ally Bank 1.29% APY Min $ 1
• EverBank 1.26% APY Min $ 1
• Nationwide Bank 1.20% APY Min $2000
• Giantbank.com 1.16% APY Min $1000
• Zions Bank 1.11% APY Min $2500
• FNBO DIRECT 1.10% APY Min $ 1
• ING DIRECT 1.10% APY Min $ 1
• HSBC Advance 1.10% APY Min $ 1
• Salem Five Direct 1.10% APY Min $ 1 Must have checking account
• Flagstar Bank 1.06% APY Min $ 1
• Allstate Bank 1.01% APY Min $100
• OneUnited Bank 1.01% APY Min $1000
• First Internet Bank of IN 1.00% APY Min $100
• EmigrantDirect.com 1.00% APY Min $ 1
• Bank of Internet USA 0.90% APY Min $100
• Citibank 0.80% APY Min $ 1
• Asheville Savings Bank 0.60% APY Min $500

Citizens-Union Savings Bank, of Fall River, Massachusetts, is advertising personal savings account rates, personal money market account rates and business money market account rates. 

Searching for the highest savings account yields and money market account yields? Use our interest rate tables at SavingsAccount.MonitorBankRates to find the best rates in your area.

Citizens-Union Savings Bank’s advertised savings account rates include their Statement Savings Account rates, Passbook Savings Account rates and Holiday Savings Account rates. All three savings accounts currently have a savings rate of 0.30 percent and an annual percentage yield of 0.30 percent.

The bank’s money market account rates include their Super Consumer Money Market Account rates, High Yield Access Money Market Account rates and their Money Market Access Money Market Account rates.

Money Market Account Rates 

Super Consumer Money Market Account Rates & Yields

• Min Balance $10.00 MMA Rate 0.65% MMA Yield 0.65%
• Min Balance $50,000.00 MMA Rate 0.85% MMA Yield 0.85%
• Min Balance $100,000.00 MMA Rate 0.90% MMA Yield 0.90%

High Yield Access Money Market Account Rates & Yields

• Min Balance $10.00 MMA Rate 0.35% MMA Yield 0.35%
• Min Balance $10,000.00 MMA Rate 0.50% MMA Yield 0.50%
• Min Balance $25,000.00 MMA Rate 0.60% MMA Yield 0.60%
• Min Balance $50,000.00 MMA Rate 0.80% MMA Yield 0.80%

Money Market Access Money Market Account Rates & Yields

• Min Balance $10.00 MMA Rate 0.10% MMA Yield 0.10%
• Min Balance $1,000.00 MMA Rate 0.35% MMA Yield 0.35%

For a current list of savings account rates and money market account rates at Citizens-Union Savings Bank go to citizensunionbank.com. For a list of interest rates from several different banks go to MonitorBankRates.com.

Finding the highest savings account rate or money market account rate is a challenge these days since interest rates are so low. The current national average savings account rate and money market account rate for account balances of at least $2,500 is averaging 0.32 percent this morning.

Searching for the best market account rates and savings account rates? Search our interest rate tables at SavingsAccount.MonitorBankRates.com to find the best rates.

Account balances of at least $10,000 currently earn an average rate of 0.389 percent. Account balances of at least $25,000 earn a rate of 0.44 percent and account balances of at least $50,000 earn a rate of 0.49 percent.

You can find savings account rates and MMA rates higher than the current average rate. We searched our savings rate table and money market rate table to find the highest interest rates and yields in Cincinnati, Ohio.

Highest Savings Account Rates and Money Market Account Rates in Cincinnati, OH

• Sallie Mae Online Savings Account Rate 1.39% APY 1.40% Min $ 1
• Discover Bank Online Savings Account Rate 1.34% APY 1.35% Min $500
• Capital One InternetPlus Online Savings Account Rate 1.34% APY 1.35%  Min $2500
• American Express Bank High Yield Savings Rate 1.29% APY 1.30% Min $ 0
• Ally Bank Online Savings Account Rates 1.29% APY 1.30% Min $ 1
• EverBank Savings Rate 1.25% APY 1.26% Min $ 1
• Ohio Savings Account Rate 1.24% APY 1.25% Min $ 1 Must have 50 Plus or Titanium Checking account.
• Nationwide Bank Savings Rate 1.24% APY 1.25% Min $2000
• Salem Five Direct Savings Account Rate 1.24% APY 1.25% Min $ 1 Must have a checking account.
• Giantbank.com MMA Rate 1.15% APY 1.16%  Min $1000
• Zions Bank Rate 1.10% APY 1.11% Min $2500
• FNBO DIRECT Rate 1.09% APY 1.10% Min $ 1
• National City Bank Rate 1.09% APY 1.10% Min $ 1
• HSBC Advance Rate 1.09% APY 1.10% Min $ 1
• ING DIRECT Rate 1.09% APY 1.10% Min $ 1
• Flagstar Bank Rate 1.05% APY 1.06% Min $ 1
• Allstate Bank Rate 1.03% APY 1.03% Min $100
• OneUnited Bank Rate 1.01% APY 1.01% Min $1000 Available to Internet customers only
• First Internet Bank of IN Rate 1.00% APY 1.00% Min $100
• EmigrantDirect.com Rate 1.00% APY 1.00% Min $ 1
• Bank of Internet USA Rate 0.90% APY 0.90% Min $100
• Citibank Rate 0.80% APY 0.80% Min $ 1
• AIG Bank Rate 0.60% APY 0.60% Min $2500
• First Community Bank Rate 0.60% APY 0.60% Min $ 1

The current national average savings account rate and money market account rate for account balances of at least $2,500 is only 0.324 percent. There are rates well above the national average rates. We searched our savings rate/money market rate tables to find the highest rates and yields currently available in Santa Ana, California. 

Looking for the highest savings account yields and money market account yields? Use our savings/mma yield tables at SavingsAccount.MonitorBankRates.com to find the highest yielding accounts in your area.

Sallie Mae Bank currently has the highest savings account yield on our list. Sallie Mae’s current savings account rate is 1.39 percent with an annual savings account yield (APY) of 1.40 percent. That rate is more than 4 times the national average savings rate/MMA rate of 0.32 percent.

Use our savings rate tables and money market rate tables at SavingsAccount.MonitorBankRates.com to find the best rates from banks and credit unions in your area.

Capital One Direct and Discover Bank are tied for second place on the list of best savings account rates. Capital One Direct’s InternetPlus online savings account has an online savings account rate of 1.34 percent with an APY of 1.35 percent. The minimum opening deposit is $2,500. Discover Bank’s current online savings account rate is also 1.34 percent with an APY of 1.35 percent. The minimum opening savings account deposit is $500.

Best Savings Account Yields and MMA Yields in Santa Ana, CA

• Sallie Mae 1.40% APY Min $ 1
• Discover Bank 1.35% APY Min $500     
• Capital One Direct Banking 1.35% APY Min $2500 
• American Express Bank FSB 1.30% APY Min $ 0
• Ally Bank 1.29% APY Min $ 1     
• EverBank 1.26% APY Min $ 1     
• FNBO DIRECT 1.25% APY Min $ 1    
• Nationwide Bank 1.25% APY Min $2000      
• Salem Five Direct  1.25% APY Min $ 1 Must have a checking account.
• Giantbank.com 1.21% APY Min $1000      
• La Jolla Bank 1.20% APY Min $1000     
• Provident Credit Union 1.19% APY Min $ 1 Auto Transfer, Direct Deposit Must have direct deposit, or an automatic transfer into account, at least once during the term. Maximum deposit per month is $3K.
• First Federal Bank of California 1.15% APY Min $2500     
• Zions Bank 1.11% APY Min $2500     
• ING DIRECT 1.10% APY Min $ 1     
• HSBC Advance 1.10% APY Min $ 1     
• Flagstar Bank 1.06% APY Min $ 1     
• Allstate Bank 1.03% APY Min $100     
• OneUnited Bank 1.01% APY Min $1000 Available to Internet customers only.
• First Internet Bank of IN 1.00% APY Min $100      
• EmigrantDirect.com 1.00% APY Min $ 1   
• Luther Burbank Savings 0.95% APY Min $1000      
• Bank of Internet USA 0.90% APY Min $100     
• Citibank 0.85% APY Min $ 1     
• CapitalSource Bank 0.70% APY Min $ 1   
• AIG Bank 0.60% APY Min $2500      
• Ameriprise Bank FSB 0.55% APY Min $ 1     
• Lockheed Federal Credit Union 0.45% APY Min $2500      
• E*TRADE Bank 0.40% APY Min $ 1

We searched our savings rate tables to find the highest savings account rates and money market account rates in Long Island, New York. The highest savings account rate is currently from Sallie Mae Bank. Sallie Mae’s High Yield Online Savings Account Rate  is 1.39 percent with an annual percentage rate (APY) of 1.40 percent. The minimum opening savings account balance is only$1.

Looking for the highest savings account rates and money market account rates? Use our rate tables at SavingsAccount.MonitorBankRates.com to find the best savings account rates and MMA rates in your area.

Discover Bank’s Online Savings Account and Capital One Direct’s Internet Online Savings Account are tied for second on the list of the highest online savings account rates in Long Island, NY. The bank’s current online savings account rate is 1.34 percent with an APY of 1.35 percent. Discover Bank has a minimum opening online savings account balance of $500 and Capital One Direct’s minimum is $2,500.

Highest Savings Account Rates & Money Market Account Rates - Long Island, NY

• Sallie Mae 1.40% APY Min $ 1
• Discover Bank 1.35% APY Min $500    
• Capital One Direct Banking 1.35% APY Min $2500 
• American Express Bank Online Savings Accounts 1.30% APY Min $ 0 
• Ally Bank Online Savings Account Rates 1.29% APY Min $ 1     
• Sterling National Bank 1.28% APY Min $2500 Account can be opened either online or in the branch. New money required. Expires on June 1, 2010.
• EverBank 1.26% APY Min $ 1      
• FNBO DIRECT 1.25% APY Min $ 1      
• Nationwide Bank 1.25% APY Min $2000     
• Salem Five Direct 1.25% APY Min $ 1 Must have a checking account.
• Giantbank.com 1.21% APY Min $1000    
• Maspeth Federal S&L 1.20% APY Min $250      
• Zions Bank 1.11% APY Min $2500     
• ING DIRECT 1.10% APY Min $ 1     
• HSBC Advance 1.10% APY Min $ 1     
• Broadway National Bank 1.06% APY Min $1000    
• Allstate Bank 1.05% APY Min $100      
• Marathon National Bank Money Market Account 1.05% APY Min $2500     
• Ridgewood Savings Bank 1.02% APY Min $ 1      
• OneUnited Bank 1.01% APY Min $1000 Available to Internet customers only

Sallie Mae Bank is offering one of the best savings account rates available these days. The current savings account rate is 1.39 percent with an annual percentage yield of 1.40 percent. The minimum opening deposit is only $1.

Sallie Mae’s “High-Yield Savings Account” is the highest savings account rate on our savings rate tables. Their savings rate is more than 4 times the national average savings rate. The current national average savings rate/mma rate is 0.327 percent for account balances of at least $2,500 as reported by Informa Research Services and MonitorBankRates.com.

You can search our savings rate tables and money market rate tables at SavingsAccount.MonitorBankRates.com to find the highest savings rates and MMA rates available in your area.

High-yield savings account features include:

• No Minimum savings account balance
• No monthly fees
• Interest earned is compounded daily
• The online savings account is insured by the FDIC

One very unique feature of Sallie Mae’s online savings account is the 10% annual match on Upromise earnings. More information and the current savings account rate can be found at http://go.salliemae.com/bank/?DTD_CELL=SMPCS1WBSMAT2220.