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Savings & MMA Rates

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Rates as of May 30th, 2025
Banks & Reviews APY Rate Min to Earn APY
Wells Fargo Bank (MMA $10k) 0.01% 0.01% $0
Wells Fargo Bank (MMA) 0.01% 0.01% $0
chase (Savings) 0.01% 0.01% $0
First Technology Credit Union (Savings) 0.01% 0.01% $5
BMO Bank (Savings) 0.01% 0.01% $0
US Bank (Savings) 0.01% 0.01% $25
US Bank (Savings) 0.01% 0.01% $25
USAA iCrossing ED (Savings) 0.01% 0.01% $0
Wells Fargo Bank (Savings) 0.01% 0.01% $0
City National Bank (Savings) 0.01% 0.01% $50
US Bank (MMA) 0.01% 0.01% $0
Bank of America NA (Savings) 0.01% 0.01% $0
Tri Counties Bank (MMA) 0.01% 0.01% $0
Bank of Hope (Savings) 0.01% 0.01% $0
Provident Savings Bank FSB (MMA) 0.01% 0.01% $2,500
Bank of Hope (MMA) 0.01% 0.01% $0
US Bank (MMA $10k) 0.01% 0.01% $0
Tri Counties Bank (MMA $10k) 0.01% 0.01% $0
Applied Bank (MMA) 0.02% 0.02% $500
Connexus Credit Union (Savings) 0.02% 0.02% $100
Mechanics Bank CA (MMA) 0.02% 0.02% $100
Comerica Bank (MMA) 0.02% 0.02% $1
Citizens Business Bank (MMA) 0.02% 0.02% $5,000
Mechanics Bank CA (MMA $10k) 0.02% 0.02% $100
Comerica Bank (MMA $10k) 0.02% 0.02% $1
Westamerica Bank (MMA) 0.03% 0.03% $1,000
Farmers and Merchants Bank of Long Beach (MMA) 0.03% 0.03% $0
Citibank (Savings) 0.03% 0.03% $0
Armed Forces Bank (Savings) 0.03% 0.03% $0
El Dorado Savings Bank (MMA) 0.03% 0.03% $5,000
El Dorado Savings Bank (MMA $10k) 0.03% 0.03% $5,000
Provident Savings Bank FSB (MMA $10k) 0.03% 0.03% $10,000
Bank of the Sierra (MMA $10k) 0.04% 0.04% $2,500
Bank of the Sierra (MMA) 0.04% 0.04% $2,500
Universal Bank (Savings) 0.04% 0.04% $0
Applied Bank (Savings) 0.05% 0.05% $100
The Golden 1 CU (MMA) 0.05% 0.05% $0
Luana Savings Bank (Savings) 0.05% 0.05% $100
Citizens Trust Bank (Savings) 0.05% 0.05% $100
Malaga Bank FSB (Savings) 0.05% 0.05% $100
Malaga Bank FSB (MMA) 0.05% 0.05% $100
Oak Valley Community Bank (Savings) 0.05% 0.05% $0
America First FCU (Savings) 0.05% 0.05% $1
Union Bank (Savings) 0.05% 0.05% $0
Pacific Premier Bank (MMA) 0.05% 0.05% $1
Washington Savings Bank (Savings) 0.05% 0.05% $10
Oak Valley Community Bank (MMA) 0.05% 0.05% $0
BMO Bank (MMA) 0.05% 0.05% $0
The Golden 1 CU (Savings) 0.05% 0.05% $0
First Citizens Bank (MMA) 0.05% 0.05% $0
San Diego County CU (Savings) 0.05% 0.05% $100
Universal Bank (MMA) 0.05% 0.05% $1,000
OneUnited Bank (MMA) 0.05% 0.05% $500
Cathay Bank (MMA $10k) 0.05% 0.05% $0
San Diego County CU (MMA $10k) 0.05% 0.05% $100
First Citizens Bank (MMA $10k) 0.05% 0.05% $0
Pacific Premier Bank (MMA $10k) 0.05% 0.05% $1
Farmers and Merchants Bank of Long Beach (MMA $10k) 0.05% 0.05% $10,000
Citizens Business Bank (MMA $10k) 0.05% 0.05% $5,000
Malaga Bank FSB (MMA $10k) 0.05% 0.05% $100
Farmers and Merchants Bank of Central California (MMA $10k) 0.05% 0.05% $10,000
San Diego County CU (MMA) 0.05% 0.05% $100
Cathay Bank (MMA) 0.05% 0.05% $0
HCN Bank (MMA) 0.05% 0.05% $2,500
Washington Savings Bank (MMA) 0.05% 0.05% $10
Gateway Bank FSB (MMA) 0.05% 0.05% $2,500
Farmers and Merchants Bank of Central California (MMA) 0.05% 0.05% $0
Westamerica Bank (MMA $10k) 0.06% 0.06% $1,000
Gateway Bank FSB (Savings) 0.10% 0.10% $500
Schools First Federal Credit Union (Savings) 0.10% 0.10% $5
Global Credit Union (Savings) 0.10% 0.10% $50
First Federal Savings and Loan Association of San Rafael (Savings) 0.10% 0.10% $0
Sterling Bank and Trust FSB (Savings) 0.10% 0.10% $0
First Citizens Bank (Savings) 0.10% 0.10% $50
Citizens Trust Bank (MMA) 0.10% 0.10% $1,000
First Foundation Bank (MMA) 0.10% 0.10% $500
Universal Bank (MMA $10k) 0.10% 0.10% $2,500
First Foundation Bank (MMA $10k) 0.10% 0.10% $500
HCN Bank (MMA $10k) 0.10% 0.10% $2,500
First Technology Credit Union (MMA $10k) 0.15% 0.15% $0
Sterling Bank and Trust FSB (MMA $10k) 0.15% 0.15% $0
Presidential Bank FSB (MMA) 0.15% 0.15% $1,000
Sterling Bank and Trust FSB (MMA) 0.15% 0.15% $0
First Technology Credit Union (MMA) 0.15% 0.15% $0
CIBC Bank USA (MMA) 0.15% 0.15% $1
Charles Schwab Bank (Savings) 0.15% 0.15% $0
First Northern Bank of Dixon (MMA) 0.20% 0.20% $2,500
Global Credit Union (MMA) 0.20% 0.20% $5,000
CIBC Bank USA (MMA $10k) 0.25% 0.25% $10,000
AxosBank (MMA $10k) 0.25% 0.25% $0
Global Credit Union (MMA $10k) 0.25% 0.25% $10,000
Northpointe Bank (MMA) 0.25% 0.25% $2,500
WebBank (Savings) 0.25% 0.25% $1,000
AxosBank (MMA) 0.25% 0.25% $0
Connexus Credit Union (MMA) 0.25% 0.25% $1,000
Lone Star Bank (MMA) 0.25% 0.25% $0
Northpointe Bank (Savings) 0.25% 0.25% $100
TABBank (MMA) 0.25% 0.25% $0
Royal Business Bank (MMA) 0.30% 0.30% $2,500
First Northern Bank of Dixon (MMA $10k) 0.30% 0.30% $2,500
Lone Star Bank (Savings) 0.30% 0.30% $0
BECU (Savings) 0.30% 0.30% $1
Northpointe Bank (MMA $10k) 0.35% 0.34% $5,000
5Star Bank (MMA) 0.40% 0.40% $1,000
OneUnited Bank (Savings) 0.40% 0.40% $200
GTEFinancial (MMA) 0.40% 0.40% $0
Amalgamated Bank (Savings) 0.41% 0.41% $0
Royal Business Bank (MMA $10k) 0.45% 0.45% $10,000
BECU (MMA) 0.45% 0.45% $0
Redwood Capital Bank (MMA) 0.50% 0.50% $1
City National Bank (MMA $10k) 0.50% 0.50% $2,500
City National Bank (MMA) 0.50% 0.50% $2,500
Presidential Bank FSB (Savings) 0.50% 0.50% $500
BMO Bank (MMA $10k) 0.55% 0.55% $0
AxosBank (Savings) 0.61% 0.61% $0
GTEFinancial (MMA $10k) 0.65% 0.65% $10,000
Redwood Capital Bank (MMA $10k) 0.75% 0.75% $1
Bank of Stockton (MMA $10k) 0.75% 0.75% $100
Bank of Stockton (MMA) 0.75% 0.75% $100
Schools First Federal Credit Union (MMA) 0.75% 0.75% $2,000
GTEFinancial (Savings) 0.75% 0.75% $100
5Star Bank (Savings) 0.75% 0.75% $0
First Internet Bank of Indiana (Savings) 0.81% 0.80% $0
KS StateBank (MMA) 1.00% 1.00% $2,500
America First FCU (MMA) 1.00% 1.00% $0
Armed Forces Bank (MMA) 1.00% 1.00% $0
Goldwater Bank (Savings) 1.00% 1.00% $0
Goldwater Bank (MMA) 1.00% 1.00% $0
West Coast Community Bank (MMA $10k) 1.00% 1.00% $5,000
West Coast Community Bank (MMA) 1.00% 1.00% $5,000
KS StateBank (MMA $10k) 1.00% 1.00% $2,500
BECU (MMA $10k) 1.00% 1.00% $10,000
The Golden 1 CU (MMA $10k) 1.00% 1.00% $10,000
Gateway Bank FSB (MMA $10k) 1.10% 1.09% $10,000
VioBank (Savings) 1.10% 1.09% $0
Chime (Savings) 1.25% 1.24% $0
America First FCU (MMA $10k) 1.30% 1.29% $10,000
BanescoUSA (Savings) 1.35% 1.34% $300
iGObanking (Savings) 1.50% 1.49% $0
BankPurely (Savings) 1.50% 1.49% $100
BankFive (Savings) 1.50% 1.49% $100
CIT Bank (MMA) 1.55% 1.54% $100
EverBank (MMA) 2.02% 2.00% $0
Luana Savings Bank (MMA) 2.43% 2.40% $0
Varo Bank (Savings) 2.50% 2.47% $0
NBKC Bank (MMA) 3.00% 2.96% $0
Beal Bank (MMA) 3.25% 3.20% $1,000
Star One Credit Union (Savings) 3.25% 3.20% $5
Star One Credit Union (MMA) 3.25% 3.20% $50
First National Bank of America (Savings) 3.25% 3.20% $1,000
Beal Bank (MMA $10k) 3.25% 3.20% $1,000
Star One Credit Union (MMA $10k) 3.25% 3.20% $50
FNBO (Savings) 3.35% 3.30% $0
LendingClub (Savings) 3.40% 3.35% $0
Discover Bank (MMA) 3.50% 3.44% $0
American Express National (Savings) 3.60% 3.54% $0
BMO Alto (Savings) 3.60% 3.54% $0
Discover Bank (Savings) 3.60% 3.54% $0
Capital One (Savings) 3.60% 3.60% $0
Ally (Savings) 3.60% 3.54% $0
Ally (MMA) 3.60% 3.54% $0
FNBO (MMA) 3.60% 3.54% $0
First Internet Bank of Indiana (MMA) 3.61% 3.55% $0
CitizensAccess (Savings) 3.70% 3.63% $0
Northern Bank and Trust Company (MMA) 3.75% 3.68% $5,000
Beal Bank (Savings) 3.75% 3.70% $500
MySavingsDirect (Savings) 3.75% 3.68% $0
Quorum Federal Credit Union (Savings) 3.75% 3.69% $0
Valley Bank (Savings) 3.75% 3.68% $0
DollarSavingsDirect (Savings) 3.75% 3.68% $0
Laurel Road (Savings) 3.80% 3.73% $0
Sallie Mae (MMA) 3.85% 3.78% $0
Morgan Stanley Private Bank (Savings) 4.00% 3.92% $0
Barclays (Savings) 4.00% 3.92% $0
iGObanking (MMA $25k) 4.00% 3.92% $25,000
BankPurely (MMA $25k) 4.00% 3.93% $25,000
VirtualBank, a division of First Horizon Bank (MMA) 4.00% 3.93% $0
Salem Five Direct (Savings) 4.01% 3.94% $0
UFBDirect (MMA) 4.01% 3.93% $0
UFBDirect (Savings) 4.01% 3.93% $0
CIT Bank (Savings) 4.10% 4.10% $5,000
Berkshire Bank (MMA) 4.10% 4.10% $0
Live Oak Bank (Savings) 4.10% 4.02% $0
Barclays (Savings) 4.10% 4.10% $0
CIBC Bank USA (Savings) 4.11% 4.04% $1
BanescoUSA (MMA) 4.15% 4.07% $2,500
BanescoUSA (MMA $10k) 4.15% 4.07% $2,500
MYSafra Bank FSB (MMA) 4.15% 4.07% $5,000
Bask Bank (Savings) 4.20% 4.11% $0
Poppy Bank (Savings) 4.25% 4.16% $1,000
Forbright Bank (Savings) 4.25% 4.16% $0
TABBank (Savings) 4.26% 4.17% $0
Western Alliance Bank (Savings) 4.30% 4.21% $0
Bread Savings (Savings) 4.30% 4.21% $0
EverBank (Savings) 4.30% 4.21% $0
CFGCommunityBank (MMA) 4.32% 4.23% $1,000
Primis Bank (Savings) 4.35% 4.27% $0
VioBank (MMA) 4.36% 4.36% $0
Openbank (Savings) 4.40% 4.31% $500
My Banking Direct (Savings) 4.40% 4.40% $1
Peak Bank (Savings) 4.44% 4.34% $0

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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.

2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.