High Yield Rates for Savings Accounts & Money Markets.

High Yield Rates

Make your money work harder for you with a High Yield interest earning Savings or Money Market Account.

Safe and Sound

All accounts & rates listed are FDIC Insured. Which means your money is guaranteed safe & insured up to 250k!

Top Rates in USA

Why settle for less than the best? We couldn't think of a reason either. That's why we list the best rates in the US!

1.00% APY
  • Savings
  • FDIC Insured
  • 03/27/2015
  • Rate: 1.00% APR
  • Min Deposit: $0.00
0.99% APY
  • Savings
  • FDIC Insured
  • 03/27/2015
  • Rate: 0.99% APR
  • Min Deposit: $0.00
0.85% APY
  • MMA
  • FDIC Insured
  • 03/27/2015
  • Rate: 0.85% APR
  • Min Deposit: $5,000.00
0.85% APY
  • MMA
  • FDIC Insured
  • 03/27/2015
  • Rate: 0.85% APR
  • Min Deposit: $0.00
0.85% APY
  • MMA
  • FDIC Insured
  • 03/27/2015
  • Rate: 0.85% APR
  • Min Deposit: $0.00
1.01% APY
  • MMA
  • FDIC Insured
  • 03/27/2015
  • Rate: 0.61% APR
  • Min Deposit: $1,500.00
Bank APY Type Bank Information
GE Capital Bank 1.05%   Savings More Information
My Savings Direct 1.05%   Savings More Information
CIT Bank 1.00%   Savings More Information
iGObanking.com 1.00%   Savings More Information
Barclays 1.00%   Savings More Information
ableBanking, a division of Northeast Bank 1.00%   MMA More Information
iGObanking.com 0.90%   MMA More Information
Sallie Mae 0.90%   MMA More Information
Discover Bank 0.90%   Savings More Information
Colorado Federal Savings Bank 0.85%   Savings More Information
Radius Bank 0.85%   Savings More Information
First Internet Bank of Indiana 0.80%   MMA More Information
EH National Bank 0.80%   MMA More Information
FNBO Direct 0.75%   Savings More Information
Bank of Internet USA 0.75%   MMA More Information
Capital One 360 0.75%   Savings More Information
Union Federal Savings Bank 0.75%   MMA More Information
Discover Bank 0.75%   MMA More Information
VirtualBank 0.65%   MMA More Information
Bank of Internet USA 0.61%   Savings More Information
Lone Star Bank 0.60%   MMA More Information
First Internet Bank of Indiana 0.60%   Savings More Information
EH National Bank 0.55%   Savings More Information
AloStar Bank of Commerce 0.50%   Savings More Information
Lone Star Bank 0.50%   Savings More Information
AloStar Bank of Commerce 0.50%   MMA More Information
giantbank.com 0.45%   MMA More Information
State Farm Bank 0.30%   MMA More Information
Goldwater Bank 0.26%   MMA More Information
Heritage Bank 0.25%   Savings More Information
E-LOAN 0.20%   MMA More Information
5 Star Bank 0.20%   Savings More Information
Fidelity Bk of FL, N.A 0.15%   MMA More Information
Third Federal Savings and Loan 0.15%   Savings More Information
NewDominion Bank 0.15%   MMA More Information
American Bank 0.10%   MMA More Information
State Farm Bank 0.10%   Savings More Information
Fultdirect.com 0.10%   MMA More Information
American Bank 0.10%   Savings More Information
5 Star Bank 0.10%   MMA More Information
Citizens Trust Bank 0.05%   MMA More Information
USAA 0.05%   Savings More Information
USAA 0.05%   MMA More Information
Citizens Trust Bank 0.05%   Savings More Information
Astoria Bank 0.05%   Savings More Information
Astoria Bank 0.05%   MMA More Information

Frequently Asked Questions

A savings account is the most basic account offered through a financial institution. In this account, your money is protected while earning interest. A savings account typically earns less interest than a Certificate of Deposit, though more than a Money Market or Checking account.

Money invested in a savings account is easier to access than a CD, though not as accessible as a checking account. You are allowed only six withdrawals per month.

Savings accounts generally have a low opening balance required and a low monthly balance required to keep in the account at all times. You can open savings accounts for different items you are saving for: your children, vacations, etc.

When deciding which savings account to keep your money in, be sure you look at the different fees the bank has and the amount of interest you will earn on your money. Choosing a bank that offers low or no fees, with a decent interest rate will help you make money.

A Money Market Account (MMA) is similar to a savings account. The money is invested in a secure location and earns interest. The interest on a money market account is generally less than a savings account, though enjoys some extra flexibilities, like check writing.

You are only allowed to withdraw money from your MMA six times in one monthly billing cycle. The minimum opening balance of a money market account is typically higher than a savings account and could require a larger amount to be kept in the account.

When looking for a money market account, find a bank that offers little to no fees and a decent interest rate for your money.

All bank accounts earn some type of interest. A typical bank will offer interest rates of 0.01% to 0.05%. Essentially, it’s as if you are not earning interest at all. A high yield account offers higher interest rates, around 1.00%. This makes a huge difference for your money.

For example, if you have $1,000 invested in both accounts, the account with 0.01% interest will earn $0.10 in one year, while in the 1.00% account, you will earn $10. High yield savings accounts are worth looking into to earn extra interest on the money you have invested.

The rates listed on this page are for online banking institutions. The main difference between online banks and the typically brick-and-mortar banks is that all the services can be done over the internet. Most online banks also offer mobile banking to make your banking needs easier.

Online banks don’t have to pay for physical locations. This means that their fees are typically lower and their rates higher. All of the banks listed are FDIC insured, so you don’t have to worry about the safety of your investment. To earn the most interest on your money, look into banking with an online bank.

FDIC stands for the Federal Deposit Insurance Corporation. It is a government corporation of the United States of American. Investing your money in a bank that is FDIC insured means the money in that bank is protected up to $250,000.

If the bank were to fail, your money would still be protected through the FDIC. The banks are required to display an official FDIC sign at each teller window or station. Money invested in stocks or bonds is not covered by the FDIC. The accounts covered include savings, checking, money market, and CD accounts.

There are two main differences between savings accounts, money market accounts and CDs: the interest you earn, and your access to the money. It is smart to have money invested in all three different accounts.

A savings account is best suited for the money you need to have easy access to, but also want to save. This would be a great place to keep your “emergency fund” and money for specific savings needs. You can access this money whenever you, up to six times a month without be penalized. There typically is a low opening balance required, so you can open a savings account with whatever money you have set aside.

A money market account is very similar to a savings account. The main difference is the minimum amount required to open a money market account is, in most cases, higher. However, you gain the benefit of using checks with a money market account. If you need access to your account by using checks, an MMA is a good option for high interest and accessible funds.

A Certificate of Deposit account is best suited for money you can invest and leave in the account for an extended amount of time. CDs are set up to earn higher interest rates based on the length of time you can leave your investment in. This is a great option for money you can set aside for years and just allow it to grow interest and earn money. You can access the money if you need to, but you will be charged a fee if you withdraw it before the term is up.

The best way to decide which account to invest your money in is knowing what the money is going to be used for. If you are saving for retirement, a CD makes perfect sense as you’ll benefit from the long investment terms. For money you might need to use at any given time to cover car or home repairs, or other unforeseen expenses, a savings account or MMA are good options.