Best Savings Rates

Savings account rates: Search and compare the best savings account rates and the best money market account rates from banks and credit unions. You can search for the highest interest savings rates and MMA rates in the state you live in or by the zip you live in. Once you have entered your search criteria a list of the top savings accounts rates and money market account rates will be displayed. Most savings account interest rates displayed are for regular savings accounts or for Individual Retirement Account (IRA) savings accounts.

Most Recent:

  Current Savings Rates Stable as Hiring Soars and Unemployment Rate Tumbles
Savings account rates remain stable this week but the prospect for higher rates is looking more likely. The Department of Labor released employment numbers for April that were much stronger than expected. For the month of April, 288,000 non-farm payroll jobs were created, which was much higher than the 200,000 jobs analysts were expecting. The unemployment rate fell to 6.3 percent from 6.7 percent, the lowest point since 2008. Read more
Institution
APY
Rate
Min. Deposit
Comments
Goldman Sachs Bank USA Logo
★★★★★  (5 out of 5)100
04/20/2018
$1.00 minimum balance is required to earn stated APY 
Live Oak Bank

★★★★★  (5 out of 5)100
1.7% Savings with Live Oak Bank
1.700%
04/20/2018
1.690%
$0.00
Member FDIC. Earn 18x the National Average 
Sallie Mae

★★★★★  (5 out of 5)100
1.65% MMA with Sallie Mae
1.650%
04/20/2018
1.640%
$0.00
 
FNBO Direct

★★★★  (4 out of 5)100
1.6% Savings with FNBO Direct
1.600%
04/20/2018
1.600%
$1.00
Named Best Place to Park Your Emergency Cash by Money Magazine 
UFB Direct

★★★★★  (5 out of 5)100
1.6% MMA with UFB Direct
1.600%
04/20/2018
1.590%
$5,000.00
No Maximum Deposit Amount. FDIC Insured. 24/7 Support. 
My eBanc, A Division of BAC Florida Bank

★★★★  (4 out of 5)100
1.5% MMA with My eBanc, A Division of BAC Florida Bank
1.500%
04/20/2018
1.490%
$5,000.00
 
Radius Bank

★★★  (3 out of 5)100
1.5% Savings with Radius Bank
1.500%
04/20/2018
1.490%
$10.00
 
Ally Bank

★★★★★  (5 out of 5)100
1.45% Savings with Ally Bank
1.450%
04/20/2018
1.440%
$0.00
Open an Account Today. Ally Bank, Member FDIC. 
IncredibleBank

★★★★  (4 out of 5)100
1.21% Savings with IncredibleBank
1.210%
04/20/2018
1.200%
$2,500.00
 
Northeast Bank

★★★★★  (5 out of 5)100
1.1% MMA with Northeast Bank
1.100%
04/20/2018
1.090%
$5,000.00
 
Mutual of Omaha Bank

  (NR out of 5)100
0.77% MMA with Mutual of Omaha Bank
0.770%
04/20/2018
0.770%
$1,000.00
Easy to open, easy to fund, easy to manage. Open an account now. 
Synchrony Bank

★★★★★  (5 out of 5)100
1.55% Savings with Synchrony Bank
1.550%
04/13/2018
1.540%
$0.00
Great Rates + Safety = Peace of Mind 
Popular Direct

★★★★  (4 out of 5)100
2% Savings with Popular Direct
2.000%
04/20/2018
1.980%
$5,000.00
We keep it simple and transparent 
Salem Five Direct

★★★★  (4 out of 5)100
1.85% Savings with Salem Five Direct
1.850%
04/20/2018
1.830%
$100.00
Your deposit is fully insured. No minimum and no monthly fees! 
DollarSavingsDirect

★★★★  (4 out of 5)100
1.8% Savings with DollarSavingsDirect
1.800%
04/20/2018
1.780%
$1.00
No Fees! No Minimums! 
VirtualBank

★★★★  (4 out of 5)100
1.77% MMA with VirtualBank
1.770%
04/20/2018
1.760%
$100.00
FDIC Insured 
PurePoint Financial

★★★★  (4 out of 5)100
1.75% Savings with PurePoint Financial
1.750%
04/20/2018
1.730%
$10,000.00
 
BankPurely, a division of Flushing Bank

★★★★  (4 out of 5)100
1.7% MMA with BankPurely, a division of Flushing Bank
1.700%
04/20/2018
1.690%
$25,000.00
 
EBSBDirect

★★★★★  (5 out of 5)100
1.57% MMA with EBSBDirect
1.570%
04/20/2018
1.560%
$10,000.00
Balance equal to or greater than $10,000 but less than $2,000,000 
Northern Bank Direct

★★★★  (4 out of 5)100
1.51% MMA with Northern Bank Direct
1.510%
04/20/2018
1.500%
$5,000.00
 
Washington Savings Bank

★★★★  (4 out of 5)100
1.51% MMA with Washington Savings Bank
1.510%
04/20/2018
1.500%
$10.00
All deposits insured in full through FDIC and DIF 
Pacific National Bank

★★★★  (4 out of 5)100
1.45% MMA with Pacific National Bank
1.450%
04/20/2018
1.440%
$5,000.00
www.pnb.com 
Dime Community Bank

★★★★  (4 out of 5)100
1.35% MMA with Dime Community Bank
1.350%
04/20/2018
1.340%
$1,000.00
Easy to open and manage. FDIC-insured. 
HSBC Bank USA, N.A.

★★★★  (4 out of 5)100
1.3% MMA with HSBC Bank USA, N.A.
1.300%
04/20/2018
1.290%
$15,000.00
 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
1.26% MMA with First Internet Bank of Indiana
1.260%
04/20/2018
1.250%
$100.00
 
M.Y. Safra Bank, FSB

  (NR out of 5)100
1.26% MMA with M.Y. Safra Bank, FSB
1.260%
04/20/2018
1.250%
$5,000.00
NEW YORK TRI-STATE AREA 
California First National Bank

★★★★★  (5 out of 5)100
1% MMA with California First National Bank
1.000%
04/20/2018
1.000%
$5,000.00
 
Colorado Federal Savings Bank

★★★★  (4 out of 5)100
1% Savings with Colorado Federal Savings Bank
1.000%
04/20/2018
1.000%
$1.00
 
Pacific National Bank

★★★★  (4 out of 5)100
0.9% Savings with Pacific National Bank
0.900%
04/20/2018
0.900%
$100.00
www.pnb.com 
EH National Bank

★★★★★  (5 out of 5)100
0.85% MMA with EH National Bank
0.850%
04/20/2018
0.850%
$1,000.00
 
EH National Bank

★★★★★  (5 out of 5)100
0.81% Savings with EH National Bank
0.810%
04/20/2018
0.810%
$1,000.00
 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
0.6% Savings with First Internet Bank of Indiana
0.600%
04/20/2018
0.600%
$100.00
 
giantbank.com

★★★★★  (5 out of 5)100
0.5% MMA with giantbank.com
0.500%
04/20/2018
0.500%
$1,000.00
 
Luana Savings Bank

★★★★★  (5 out of 5)100
0.3% MMA with Luana Savings Bank
0.300%
04/20/2018
0.300%
$2,500.00
 
State Farm Bank

★★★  (3 out of 5)100
0.3% MMA with State Farm Bank
0.300%
04/20/2018
0.300%
$1,000.00
 
Goldwater Bank

  (NR out of 5)100
0.26% MMA with Goldwater Bank
0.260%
04/20/2018
0.260%
$1,000.00
 
Third Federal Savings and Loan

★★★★  (4 out of 5)100
0.25% Savings with Third Federal Savings and Loan
0.250%
04/20/2018
0.250%
$25,000.00
 
5 Star Bank

★★★★★  (5 out of 5)100
0.2% MMA with 5 Star Bank
0.200%
04/20/2018
0.200%
$1,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.1% Savings with Applied Bank
0.100%
04/20/2018
0.100%
$100.00
 
NewDominion Bank

★★★★  (4 out of 5)100
0.1% MMA with NewDominion Bank
0.100%
04/20/2018
0.100%
$500.00
Achieve Rapid Growth Results w/Our Rates! Open Online-Member FDIC 
State Farm Bank

★★★  (3 out of 5)100
0.1% Savings with State Farm Bank
0.100%
04/20/2018
0.100%
$100.00
 
BBVA Compass

★★★  (3 out of 5)100
0.05% MMA with BBVA Compass
0.050%
04/20/2018
0.050%
$25.00
 
Citizens Trust Bank

★★★★  (4 out of 5)100
0.05% Savings with Citizens Trust Bank
0.050%
04/20/2018
0.050%
$1,000.00
 
Citizens Trust Bank

★★★★  (4 out of 5)100
0.05% MMA with Citizens Trust Bank
0.050%
04/20/2018
0.050%
$1,000.00
 
M.Y. Safra Bank, FSB

  (NR out of 5)100
0.05% Savings with M.Y. Safra Bank, FSB
0.050%
04/20/2018
0.050%
$100.00
 
USAA

  (NR out of 5)100
0.05% Savings with USAA
0.050%
04/20/2018
0.050%
$25.00
 
USAA

  (NR out of 5)100
0.05% MMA with USAA
0.050%
04/20/2018
0.050%
$10,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.02% MMA with Applied Bank
0.020%
04/20/2018
0.020%
$500.00
 


Savings Accounts

Savings accounts are variable rate accounts, which means savings account rates can change at anytime. Unlike a certificate of deposit account which has a fixed CD rate that doesn't change. When opening a savings account be sure to choose a bank that has deposit accounts insured by either the Federal Deposit Insurance Corporation or the National Credit Union Administration. Start your search here for the best savings accounts and money market accounts.

Bank Savings Accounts

When opening a bank saving account make sure the bank has their deposit accounts insured by the Federal Deposit Insurance Corporation (FDIC). FDIC savings accounts are insured for up to $250,000 per bank, per depositor. When you search for the best savings interest rates and savings account yields on MonitorBankRates.com you can be assured all the banks listed on our savings table are FDIC insured. Find the best savings rates in your state or zip code.

Credit Union Savings Accounts

When opening a credit union savings account make sure the credit union has their deposit accounts insured by the National Credit Union Administration (NCUA). NCUA savings accounts are insured for up to $250,000 per bank, per depositor. When you search for the best savings interest rates and savings account yields on MonitorBankRates.com you can be assured all the credit unions listed on our savings table are NCUA insured. Find high interest savings accounts and the best online savings accounts.

Savings Rates By State