The Dividend Rewards checking account earns competitive interest rates. To earn the most competitive rate has some requirements. You must have 12 debit card purchases each month and have one direct deposit or ACH withdrawal. You must also receive electronic statements. The competitive rate is for any balance from $0.01 to $15,000. Balances over $15,000 earns a lower rate.

First Tech savings and checking accounts do not have monthly fees. There is no minimum balance required to keep in the account to waive the monthly fees. These accounts are free.

The CDs offered through First Tech offer good interest rates. The terms range from six-month to 60-month terms. Each of the terms earns rates slightly lower than other online CDs. Each traditional CD term requires $500 to open.

First Tech has low required amounts to open their accounts. The checking accounts require $0.01 to open. Two of the savings accounts require $0.01 or $5.00 to open. Each of the CD terms requires $500 to open.

To open an account with First Tech, you must be a member of the credit union. You are eligible to be a member if you work for certain tech companies or the state of Oregon. If you live or work in Lane County, Oregon, you are eligible. Immediate family members of members are eligible. You can also become a member by joining the Computer History Museum or the Financial Fitness Association.

The Instant Access savings account with First Tech has tiered interest rates. To earn the most competitive rate, you must have a balance over $250,000. Lower account balances earn interest, just not the most competitive rate.

The Instant Access savings account has a high opening required amount. To open the account requires $5,000. There is no monthly fee for this account. Interest rates for the Instant Access account are tiered.

First Tech members can only withdraw $500 per day, per cardholder, from First Tech ATMs. Other ATMs may allow for a higher withdrawal, but you may face a fee. If you need more than $500 at one time, visit a branch location.

Read the full First Tech Federal Credit Union review.

The high yield savings account and money market account do not have any monthly fees. Synchrony does not require a set amount be kept in their accounts. There is no required amount to open a savings or money market account.

Synchrony offers a variety of CD term lengths. The terms range from three months to five years. As with any CD, the longer the term length, the higher the interest rates offered on the account. There are no monthly fees for the CD accounts. A fee is charged if you withdraw your money before the CD reaches maturity.

The interest rates for all Synchrony accounts are competitive. The savings and money market accounts and CDs are much higher than your typical bank rates. They are competitive with other online-only accounts.

Synchrony will refund the ATM fees charged by other financial institutions. The fees for every account holder will be reimbursed up to $5 each billing cycle. If you are a Diamond Reward member, you will receive unlimited ATM reimbursements.

All customers receive some perks for being an account holder with Synchrony bank. To earn the best perks, you must become a Diamond Reward member. To qualify to be a Diamond Reward member, you must have over $250,000 in Synchrony accounts. You must also be a customer for at least five years.

There is no checking account offered through Synchrony Bank. They offer a high yield savings account, money market account, and CDs.

The amount required to open a CD is high. Synchrony offers a variety of different CD terms. To open any of the terms requires $2,000 as a minimum opening deposit.

The savings and money market rates do not increase based on how much money you invest. If you invest $1,000 or $250,000, you will earn the same interest rate for each amount. Some banks offer tiered interest rates based on how much money you invest in the account.

Read the full Synchrony Bank review.