Current top nationwide opportunities include: Fsnb is offering a Minimum Balance To Earn Interest And Obtain Apy: - Cents-able Savings at 7.00% APY (Minimum deposit: $0), Fremont Federal Credit Union is offering a Savings Account at 7.50% APY (Minimum deposit: $500), Lowell Firefighters Credit Union is offering a Savings - Savings Club For Kids at 8.00% APY (Minimum deposit: $0), Responders Emergency Services Credit Union is offering a Savings Account at 12.00% APY (Minimum deposit: $0), Cyprus Federal Credit Union is offering a Savings Account at 10.00% APY (Minimum deposit: $0).
Finding the best savings account rates and money market rates from banks and credit unions across the country has never been easier. Search and compare the highest interest yields in the country by using our real-time rate table below. Our independent monitoring tools track thousands of financial institutions daily to bring you top-tier APYs.
The following rates reflect recent market quotes and representative offers available to depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated: February 6, 2026
Current Savings/MMA Yields
Responders Emergency Services Credit UnionSavings Account
Spokane, WA
12.00%
First FSB of Twin FallsSuperSaver Savings
Twin Falls, ID
10.47%
SPECTRABrilliant Kids Savings
Washington,
10.38%
Alliance Credit Union Fenton, MOSavings Account
Wentzville, MO
10.00%
Radiant Credit UnionSavings Accounts - Even-Up Share
Old Town, FL
10.00%
The featured rates shown above represent recent market quotes for savings and money market accounts. APYs are subject to change without notice based on bank policy.
Last Updated: February 6, 2026
Best Nationwide Savings & Money Market Rates
Bank / Credit Union
Product
APY
Min Deposit
Responders Emergency Services Credit Union
Spokane, WA
Savings Account
12.00%
$0
▼
Rate
11.39%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
Dividends Paid Monthly, Maximum Balance $1,200
First FSB of Twin Falls
Twin Falls, ID
SuperSaver Savings
10.47%
$0
▼
Rate
10.00%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
Daily Balance Range: $0.01 to $500.00
SPECTRA
Washington,
Brilliant Kids Savings
10.38%
$0
▼
Rate
10.00%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Minimum Balance to Open
Alliance Credit Union Fenton, MO
Wentzville, MO
Savings Account
10.00%
$0
▼
Rate
9.57%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account. Club Star Student
Radiant Credit Union
Old Town, FL
Savings Accounts - Even-Up Share
10.00%
$0
▼
Rate
10.00%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Min. Balance to Earn APY
Avestar Credit Union
Waterloo, WI
Savings Account
10.00%
$0
▼
Rate
10.00%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
$0.01 Round Up to $5,000
Pathways Financial Credit Union
Springfield, OH
Savings Account
10.00%
$0
▼
Rate
-
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Min. to Open/Earn Dividends and under Owner Rewards
Maspeth Federal S&L
Ridgewood, NY
Teen Savings
10.00%
$1
▼
Rate
9.57%
Min Deposit
$1
Minimum Balance
$1
Last Updated
01/26/2026
Details
$1 - $6000
Neighbors Credit Union
Saint Peters, MO
Savings Account
10.00%
$1
▼
Rate
9.57%
Min Deposit
$1
Minimum Balance
$1
Last Updated
02/06/2026
Details
Minimum Balance SMART
Cyprus Federal Credit Union
West Valley City, UT
Savings Account
10.00%
$0
▼
Rate
9.569%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/04/2026
Details
Daily Balance Dream Round Up
Community Financial Credit Union Plymouth, MI
WIXOM, MI
High Yield Savings
10.00%
$5
▼
Rate
-
Min Deposit
$5
Minimum Balance
$5
Last Updated
01/26/2026
Details
APY is earned on balances of $.01 to $1,000.00
Service Federal Credit Union
Somersworth, NH
Deployed Warrior Savings Tier 1
10.00%
$0
▼
Rate
9.569%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
Community Financial Credit Union Plymouth, MI
WIXOM, MI
Date Updated Dec 12, 2025 - High Yield Savings
10.00%
$5
▼
Rate
9.57%
Min Deposit
$5
Minimum Balance
$
Last Updated
01/26/2026
Details
on balances up to $1,000*
Lowell Firefighters Credit Union
Lowell, MA
Savings - Savings Club for Kids
8.00%
$0
▼
Rate
8.00%
Min Deposit
$0
Minimum Balance
$0
Last Updated
01/26/2026
Details
Topside Federal Credit Union
King George, VA
Savings Account Rates - Military Saves
8.00%
$0
▼
Rate
8.00%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
First FSB of Twin Falls
Twin Falls, ID
SuperSaver Savings
7.79%
$500
▼
Rate
5.00%
Min Deposit
$500
Minimum Balance
$500
Last Updated
02/06/2026
Details
Daily Balance Range: $500.01 to $1,000.00
Fremont Federal Credit Union
Woodville, OH
Savings Account
7.50%
$500
▼
Rate
7.25%
Min Deposit
$500
Minimum Balance
$
Last Updated
02/04/2026
Details
Min. Daily Bal to Earn Dividends Ohio Homebuyers Plus
PCM Credit Union
Marinette, WI
Savings Account
7.50%
$0
▼
Rate
7.25%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
Up to $500 Reward
Sun Federal Credit Union
West Lawn, OH
Savings Account
7.25%
$500
▼
Rate
7.00%
Min Deposit
$500
Minimum Balance
$500
Last Updated
02/04/2026
Details
Minimum Deposit to Earn APY Accounts Ohio Homebuyer Plus
Hancock Federal Credit Union
Findlay, OH
Savings Account
7.13%
$0
▼
Rate
6.909%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/04/2026
Details
Minimum Balance (to earn dividends) Ohio Homebuyer Plus
Atlanta Postal Credit Union
Savannah, GA
Savings Account
7.00%
$0
▼
Rate
6.823%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Round Up
Avadian Credit Union
Vernon, AL
Savings Account
7.00%
$0
▼
Rate
-
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
$0.01 - $1000.00 Centsible
Simplicity Credit Union
Stevens Point, WI
Savings Account
7.00%
$0
▼
Rate
-
Min Deposit
$0
Minimum Balance
$5
Last Updated
02/06/2026
Details
Minimum balance Youth
Whatcom Educational Credit Union
Sedro Woolley, WA
Savings Account
7.00%
$1
▼
Rate
-
Min Deposit
$1
Minimum Balance
$1
Last Updated
02/06/2026
Details
on first $500 First Step
c
Xenia, OH
Savings Account
7.00%
$0
▼
Rate
-
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
$0.01 Health Aount to $1,000.00
Camino Federal Credit Union
Montebello, CA
Savings Account
7.00%
$0
▼
Rate
6.78%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/04/2026
Details
Minimum to Open $0 Minimum Average Daily Balance to earn Dividends $25 MUSD Summer Saver
Ohio State Bank
Upper Arlington, OH
Personal Account Rates - OSB Jump Start Savings for Kids
7.00%
$0
▼
Rate
6.78%
Min Deposit
$0
Minimum Balance
$
Last Updated
01/29/2026
Details
$1500.00
Fsnb
Wilmington, OK
Minimum balance to earn Interest and obtain APY: - Cents-able Savings
7.00%
$0
▼
Rate
7.00%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/03/2026
Details
Minimum Balance to earn Interest and obtain APY: $0.01
MyUSA Credit Union
Vandalia, OH
Freedom Savings
7.00%
$0
▼
Rate
6.78%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/06/2026
Details
Greenville Heritage Federal Credit Union
Simpsonville, SC
Savings Account
7.00%
$50
▼
Rate
6.78%
Min Deposit
$50
Minimum Balance
$50
Last Updated
02/04/2026
Details
(Newborn to 17) Accounts Little Savers
SchoolsFirst Federal Credit Union
Yuba City, CA
Savings Account
6.50%
$0
▼
Rate
6.30%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
$1 minimum monthly deposit. Maximum $2,000 per month. Make one catch-up deposit per term, up to $3,000 in person, by phone or by chat. Custom Accounts Summer Saver
Kemba Financial Credit Union
Westerville, OH
Savings Account
6.25%
$500
▼
Rate
-
Min Deposit
$500
Minimum Balance
$0
Last Updated
02/05/2026
Details
Minimum to Open Minimum to Earn APY KEMBA Advantage APY Accounts Ohio Homebuyer Plus Account
Kemba Credit Union
West Chester, OH
Savings Account
6.25%
$0
▼
Rate
6.078%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/05/2026
Details
Balance $0.00 - $5,000.00 Ohio Homebuyer Plus
F&A Federal Credit Union
Whittier, CA
Savings Account
6.18%
$0
▼
Rate
6.00%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
Minimum to earn $0.00 Minimum to open $0.00 Youth
SJP Federal Credit Union
Buffalo, NY
Savings Account
6.17%
$0
▼
Rate
-
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
on balances up to $10,000.00 Youth
River Valley Credit Union Miamisburg, OH
West Carrollton, OH
Sweet Savings Youth Account Tier 1
6.17%
$0
▼
Rate
6.00%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Alaska Air Group Federal Credit Union
SEATAC, WA
Savings Account
6.14%
$0
▼
Rate
6.00%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
$5 to $500 Youth
CHAFFEY
West Covina,
Summer Savings Club
6.00%
$50
▼
Rate
-
Min Deposit
$50
Minimum Balance
$50
Last Updated
02/06/2026
Details
Deposit $50 - $2,000 each month via direct deposit or payroll deduction
River Bank
Westby, WI
Youth Savings
6.00%
$25
▼
Rate
5.87%
Min Deposit
$25
Minimum Balance
$
Last Updated
02/06/2026
Details
$0 - $5,000.00
Glendale Area Schools Credit Union
GLENDALE, CA
Summertime Savings
6.00%
$25
▼
Rate
5.84%
Min Deposit
$25
Minimum Balance
$25
Last Updated
02/06/2026
Details
$25.00-$2,500** Minimum Opening Balance
Sun Community Federal Credit Union
Palm Springs, CA
Hello Summer Savings
6.00%
$0
▼
Rate
5.84%
Min Deposit
$0
Minimum Balance
$0
Last Updated
02/04/2026
Details
FOOTHILL
Upland,
Share Accounts Summertime Savings for School Employees
6.00%
$50
▼
Rate
5.83%
Min Deposit
$50
Minimum Balance
$
Last Updated
02/06/2026
Details
Account Minimum
Red Canoe Credit Union
Woodland, WA
Savings Account
6.00%
$0
▼
Rate
5.84%
Min Deposit
$0
Minimum Balance
$
Last Updated
02/06/2026
Details
Round Up
Whatcom Educational Credit Union
Sedro Woolley, WA
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
National Savings Account FAQs
How do I find the best savings rate in the U.S.?
▼
The best way to find top nationwide rates is to compare high-yield online banks and national credit unions side-by-side. Online banks often offer APYs significantly higher than the national average due to lower physical overhead costs.
What is the difference between a savings and money market account?
▼
Money Market Accounts (MMAs) often provide debit cards or check-writing features, making them more liquid, while standard savings accounts are primarily for holding cash. Both usually offer similar competitive interest rates.
How safe is my money in an online-only bank?
▼
Provided the institution is FDIC-insured (for banks) or NCUA-insured (for credit unions), your deposits are protected up to $250,000 per depositor.
Can savings rates change after I open an account?
▼
Yes, savings and money market accounts have variable interest rates. Unlike a CD, the APY can fluctuate based on market conditions and Federal Reserve policy.
Are there fees associated with high-yield savings accounts?
▼
Many top online banks offer high-yield accounts with no monthly maintenance fees. However, check for minimum balance requirements to avoid potential charges.
How often is interest compounded in a savings account?
▼
Most top-tier savings accounts compound interest daily and credit it to your account monthly. This allows your interest to earn interest even faster.
What is a competitive APY in 2026?
▼
A competitive rate in 2026 typically refers to yields significantly higher than the national average, currently between 4.00% and 5.00% APY.
Understanding Savings and Money Market Accounts
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.
Money Market Accounts (MMA)
Money market accounts are a unique hybrid between a savings and a checking account. Money market rates are typically competitive with high-yield savings rates, but these accounts often provide added flexibility such as check-writing privileges and debit card access. Like standard savings, MMA rates are variable and can fluctuate based on market conditions.
Bank Savings and Money Market Rates
When opening a bank saving or money market account make sure the bank has their deposit accounts insured by the Federal Deposit Insurance Corporation (FDIC). FDIC savings accounts and MMAs are insured for up to $250,000 per bank, per depositor. Find the best rates in your state or zip code.
Credit Union Savings and Money Market Rates
When opening a credit union savings or money market account make sure the credit union has their deposit accounts insured by the National Credit Union Administration (NCUA). NCUA accounts are insured for up to $250,000 per institution, per depositor.
