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
02/20/2018
$1.00 minimum balance is required to earn stated APY 
Live Oak Bank

★★★★★  (5 out of 5)100
1.6% Savings with Live Oak Bank
1.600%
02/20/2018
1.590%
$0.00
Member FDIC. Earn 17x the National Average 
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%
02/20/2018
1.490%
$5,000.00
 
Ally Bank

★★★★★  (5 out of 5)100
1.45% Savings with Ally Bank
1.450%
02/20/2018
1.440%
$0.00
Open an Account Today. Ally Bank, Member FDIC. 
FNBO Direct

★★★★  (4 out of 5)100
1.4% Savings with FNBO Direct
1.400%
02/20/2018
1.400%
$1.00
Named Best Place to Park Your Emergency Cash by Money Magazine 
Radius Bank

★★★  (3 out of 5)100
1.3% Savings with Radius Bank
1.300%
02/20/2018
1.300%
$10.00
 
IncredibleBank

★★★★  (4 out of 5)100
1.21% Savings with IncredibleBank
1.210%
02/20/2018
1.200%
$2,500.00
 
Mutual of Omaha Bank

  (NR out of 5)100
0.77% MMA with Mutual of Omaha Bank
0.770%
02/20/2018
0.770%
$1,000.00
Easy to open, easy to fund, easy to manage. Open an account now. 
DollarSavingsDirect

★★★★  (4 out of 5)100
1.6% Savings with DollarSavingsDirect
1.600%
02/20/2018
1.590%
$1.00
No Fees! No Minimums! 
PurePoint Financial

★★★★  (4 out of 5)100
1.6% Savings with PurePoint Financial
1.600%
02/20/2018
1.590%
$10,000.00
 
UFB Direct

★★★★★  (5 out of 5)100
1.6% MMA with UFB Direct
1.600%
02/20/2018
1.590%
$5,000.00
No Maximum Deposit Amount. FDIC Insured. 24/7 Support. 
CIT Bank

★★★★★  (5 out of 5)100
1.55% Savings with CIT Bank
1.550%
02/20/2018
1.540%
$100.00
Over 25x the national average. See site for details. Member FDIC. 
Northern Bank Direct

★★★★  (4 out of 5)100
1.51% MMA with Northern Bank Direct
1.510%
02/20/2018
1.500%
$5,000.00
 
Barclays

★★★★★  (5 out of 5)100
1.5% Savings with Barclays
1.500%
02/20/2018
1.490%
$0.00
No Minimum Balance. No Monthly Maintenance Fees. FDIC Insured. 
Salem Five Direct

★★★★  (4 out of 5)100
1.5% Savings with Salem Five Direct
1.500%
02/20/2018
1.490%
$100.00
Your deposit is fully insured. No minimum and no monthly fees! 
Sallie Mae

★★★★★  (5 out of 5)100
1.5% MMA with Sallie Mae
1.500%
02/20/2018
1.490%
$0.00
 
Synchrony Bank

★★★★★  (5 out of 5)100
1.5% Savings with Synchrony Bank
1.500%
02/20/2018
1.490%
$0.00
Great Rates + Safety = Peace of Mind 
Discover Bank

★★★★★  (5 out of 5)100
1.4% Savings with Discover Bank
1.400%
02/20/2018
1.390%
$0.00
Grow your savings faster with a rate 5x the National Savings Avg* 
EBSBDirect

★★★★★  (5 out of 5)100
1.39% MMA with EBSBDirect
1.390%
02/20/2018
1.380%
$25,000.00
Balance equal to or greater than $25,000.00 
Dime Community Bank

★★★★  (4 out of 5)100
1.35% MMA with Dime Community Bank
1.350%
02/20/2018
1.340%
$1,000.00
Easy to open and manage. FDIC-insured. 
Pacific National Bank

★★★★  (4 out of 5)100
1.3% MMA with Pacific National Bank
1.300%
02/20/2018
1.290%
$5,000.00
www.pnb.com 
M.Y. Safra Bank, FSB

  (NR out of 5)100
1.26% MMA with M.Y. Safra Bank, FSB
1.260%
02/20/2018
1.250%
$5,000.00
NEW YORK TRI-STATE AREA 
Discover Bank

★★★★★  (5 out of 5)100
1.25% MMA with Discover Bank
1.250%
02/20/2018
1.240%
$2,500.00
Easy cash access and always great rates. Open an account today! 
California First National Bank

★★★★★  (5 out of 5)100
1.16% MMA with California First National Bank
1.160%
02/20/2018
1.150%
$5,000.00
 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
1.16% MMA with First Internet Bank of Indiana
1.160%
02/20/2018
1.150%
$100.00
 
Northeast Bank

★★★★★  (5 out of 5)100
1.1% MMA with Northeast Bank
1.100%
02/20/2018
1.090%
$5,000.00
 
Colorado Federal Savings Bank

★★★★  (4 out of 5)100
1% Savings with Colorado Federal Savings Bank
1.000%
02/20/2018
1.000%
$1.00
 
EH National Bank

★★★★★  (5 out of 5)100
0.85% MMA with EH National Bank
0.850%
02/20/2018
0.850%
$1,000.00
 
EH National Bank

★★★★★  (5 out of 5)100
0.81% Savings with EH National Bank
0.810%
02/20/2018
0.810%
$1,000.00
 
VirtualBank

★★★★  (4 out of 5)100
0.8% MMA with VirtualBank
0.800%
02/20/2018
0.800%
$100.00
FDIC Insured 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
0.6% Savings with First Internet Bank of Indiana
0.600%
02/20/2018
0.600%
$100.00
 
giantbank.com

★★★★★  (5 out of 5)100
0.5% MMA with giantbank.com
0.500%
02/20/2018
0.500%
$1,000.00
 
State Farm Bank

★★★  (3 out of 5)100
0.3% MMA with State Farm Bank
0.300%
02/20/2018
0.300%
$1,000.00
 
Goldwater Bank

  (NR out of 5)100
0.26% MMA with Goldwater Bank
0.260%
02/20/2018
0.260%
$1,000.00
 
Luana Savings Bank

★★★★★  (5 out of 5)100
0.25% MMA with Luana Savings Bank
0.250%
02/20/2018
0.250%
$2,500.00
 
5 Star Bank

★★★★★  (5 out of 5)100
0.15% MMA with 5 Star Bank
0.150%
02/20/2018
0.150%
$1,000.00
 
Third Federal Savings and Loan

★★★★  (4 out of 5)100
0.15% Savings with Third Federal Savings and Loan
0.150%
02/20/2018
0.150%
$25,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.1% Savings with Applied Bank
0.100%
02/20/2018
0.100%
$100.00
 
NewDominion Bank

★★★★  (4 out of 5)100
0.1% MMA with NewDominion Bank
0.100%
02/20/2018
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%
02/20/2018
0.100%
$100.00
 
Citizens Trust Bank

★★★★  (4 out of 5)100
0.05% Savings with Citizens Trust Bank
0.050%
02/20/2018
0.050%
$1,000.00
 
Citizens Trust Bank

★★★★  (4 out of 5)100
0.05% MMA with Citizens Trust Bank
0.050%
02/20/2018
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%
02/20/2018
0.050%
$100.00
 
USAA

  (NR out of 5)100
0.05% Savings with USAA
0.050%
02/20/2018
0.050%
$25.00
 
USAA

  (NR out of 5)100
0.05% MMA with USAA
0.050%
02/20/2018
0.050%
$10,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.02% MMA with Applied Bank
0.020%
02/20/2018
0.020%
$500.00
 
AloStar, a division of State Bank

★★★★★  (5 out of 5)100
1.05% Savings with AloStar, a division of State Bank
1.050%
02/14/2018
1.040%
$50.00
 
AloStar, a division of State Bank

★★★★★  (5 out of 5)100
0.5% MMA with AloStar, a division of State Bank
0.500%
02/14/2018
0.500%
$1,000.00
 


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