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Bank Accounts
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up to $250,000
Higher Rates vs National Average
Great Online
Bank Accounts
FDIC Insured
up to $250,000
Higher Rates vs National Average
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| More Banks | APY | Rate | Min for APY | As of date |
|---|---|---|---|---|
| Citizens Bank NA MMA $10k | 0.01% | 0.01% | $10,000 | 1/28/2025 |
| Wesbanco Bank Inc MMA | 0.01% | 0.01% | $1,000 | 1/28/2025 |
| Fifth Third Bank MMA | 0.01% | 0.01% | $0 | 1/30/2025 |
| PNC Bank NA Savings | 0.01% | 0.01% | $0 | 1/28/2025 |
| USAA iCrossing ED Savings | 0.01% | 0.01% | $0 | 1/28/2025 |
| Union Bank (Michigan) Savings | 0.01% | 0.01% | $0 | 1/30/2025 |
| Comerica Bank Savings | 0.01% | 0.01% | $1 | 1/27/2025 |
| US Bank MMA | 0.01% | 0.01% | $100 | 1/27/2025 |
| The Park National Bank Savings | 0.01% | 0.01% | $0 | 1/28/2025 |
| Bank of Hope Savings | 0.01% | 0.01% | $0 | 1/28/2025 |
| The Home Loan Savings Bank MMA | 0.01% | 0.01% | $2,500 | 1/24/2025 |
| Bank of Hope MMA | 0.01% | 0.01% | $0 | 1/28/2025 |
| Citizens Bank NA MMA | 0.01% | 0.01% | $0 | 1/28/2025 |
| Fifth Third Bank MMA $10k | 0.01% | 0.01% | $0 | 1/30/2025 |
| Wesbanco Bank Inc MMA $10k | 0.01% | 0.01% | $1,000 | 1/28/2025 |
| US Bank MMA $10k | 0.01% | 0.01% | $10,000 | 1/27/2025 |
| PNC Bank NA savings_jumbo 10000 | 0.01% | 0.01% | $1 | 1/28/2025 |
| Citizens Bank NA mma_jumbo 10000 | 0.01% | 0.01% | $100,000 | 1/28/2025 |
| Premier Bank MMA | 0.02% | 0.02% | $1,000 | 1/27/2025 |
| PNC Bank NA MMA | 0.02% | 0.02% | $0 | 1/28/2025 |
| First Federal Community Bank NA Savings | 0.02% | 0.02% | $100 | 1/24/2025 |
| PNC Bank NA MMA | 0.02% | 0.02% | $1 | 1/28/2025 |
| Applied Bank MMA | 0.02% | 0.02% | $0 | 1/28/2025 |
| Comerica Bank MMA | 0.02% | 0.02% | $1 | 1/27/2025 |
| The Home Loan Savings Bank MMA $10k | 0.02% | 0.02% | $2,500 | 1/24/2025 |
| PNC Bank NA MMA $10k | 0.02% | 0.02% | $10,000 | 1/28/2025 |
| Premier Bank MMA $10k | 0.02% | 0.02% | $1,000 | 1/27/2025 |
| Comerica Bank MMA $10k | 0.02% | 0.02% | $1 | 1/27/2025 |
| PNC Bank NA MMA $25k | 0.02% | 0.02% | $1 | 1/29/2025 |
| First Federal Svgs and LA of Lorain MMA | 0.03% | 0.03% | $100 | 1/30/2025 |
| First Federal Community Bank NA MMA | 0.04% | 0.04% | $0 | 1/24/2025 |
| America First FCU Savings | 0.05% | 0.05% | $1 | 1/28/2025 |
| Republic Bank and Trust Company Savings | 0.05% | 0.05% | $0 | 1/24/2025 |
| Northwest Bank MMA | 0.05% | 0.05% | $25 | 1/29/2025 |
| Farmers and Merchants Bank OH Savings | 0.05% | 0.05% | $25 | 1/30/2025 |
| Pendleton Community Bank, Inc. Savings | 0.05% | 0.05% | $0 | 1/23/2025 |
| Washington Savings Bank Savings | 0.05% | 0.05% | $0 | 1/28/2025 |
| Luana Savings Bank Savings | 0.05% | 0.05% | $0 | 1/28/2025 |
| Citizens Trust Bank Savings | 0.05% | 0.05% | $100 | 1/28/2025 |
| Applied Bank Savings | 0.05% | 0.05% | $0 | 1/28/2025 |
| The Park National Bank MMA | 0.05% | 0.05% | $0 | 1/28/2025 |
| Washington Savings Bank MMA | 0.05% | 0.05% | $0 | 1/28/2025 |
| Wayne Savings Community Bank MMA | 0.05% | 0.05% | $0 | 1/24/2025 |
| Third FSLA of Cleveland MG MMA | 0.05% | 0.05% | $5,000 | 1/29/2025 |
| Pendleton Community Bank, Inc. Savings $10k | 0.05% | 0.05% | $0 | 1/23/2025 |
| Third FSLA of Cleveland MG MMA $10k | 0.05% | 0.05% | $5,000 | 1/29/2025 |
| Wayne Savings Community Bank MMA $10k | 0.05% | 0.05% | $0 | 1/24/2025 |
| Pendleton Community Bank, Inc. Savings $25k | 0.05% | 0.05% | $0 | 1/23/2025 |
| The Home Loan Savings Bank Savings | 0.07% | 0.07% | $50 | 1/24/2025 |
| First Federal Svgs and LA of Lorain MMA $10k | 0.08% | 0.08% | $10,000 | 1/30/2025 |
| Old National Bank MMA | 0.08% | 0.08% | $0 | 1/29/2025 |
| Citizens Trust Bank MMA | 0.10% | 0.10% | $1,000 | 1/28/2025 |
| Schools First FCU Savings | 0.10% | 0.10% | $0 | 1/30/2025 |
| Bethpage Federal Credit Union Savings | 0.10% | 0.10% | $0 | 1/30/2025 |
| Buckeye Community Bank MMA | 0.10% | 0.10% | $0 | 1/28/2025 |
| Connexus Credit Union Savings | 0.10% | 0.10% | $100 | 1/28/2025 |
| Bethpage Federal Credit Union Savings $25k | 0.10% | 0.10% | $0 | 1/30/2025 |
| Schools First FCU Savings $10k | 0.10% | 0.10% | $0 | 1/30/2025 |
| Union Bank (Michigan) Savings $10k | 0.10% | 0.10% | $0 | 1/30/2025 |
| Buckeye Community Bank MMA $10k | 0.10% | 0.10% | $0 | 1/28/2025 |
| Schools First FCU Savings $25k | 0.10% | 0.10% | $0 | 1/30/2025 |
| Bethpage Federal Credit Union Savings $10k | 0.10% | 0.10% | $0 | 1/30/2025 |
| Presidential Bank FSB MMA | 0.15% | 0.15% | $1,000 | 1/28/2025 |
| Charles Schwab Bank savings_jumbo 0 | 0.15% | 0.15% | $0 | 1/28/2025 |
| Charles Schwab Bank Savings | 0.15% | 0.15% | $0 | 1/28/2025 |
| CIBC Bank USA MMA | 0.15% | 0.15% | $0 | 1/28/2025 |
| The Community Bank MMA | 0.15% | 0.15% | $0 | 1/29/2025 |
| The Hocking Valley Bank Savings | 0.15% | 0.15% | $100 | 1/24/2025 |
| North Valley Bank Savings | 0.15% | 0.15% | $1,000 | 1/24/2025 |
| Civista Bank MMA $10k | 0.15% | 0.15% | $0 | 1/24/2025 |
| Republic Bank and Trust Company MMA | 0.15% | 0.15% | $0 | 1/24/2025 |
| Civista Bank MMA | 0.15% | 0.15% | $0 | 1/24/2025 |
| Northwest Bank MMA $10k | 0.15% | 0.15% | $10,000 | 1/29/2025 |
| Old National Bank MMA $10k | 0.15% | 0.15% | $0 | 1/29/2025 |
| Republic Bank and Trust Company MMA $10k | 0.15% | 0.15% | $0 | 1/24/2025 |
| Union Bank (Michigan) Savings $25k | 0.15% | 0.15% | $0 | 1/30/2025 |
| Bethpage Federal Credit Union MMA $10k | 0.20% | 0.20% | $0 | 1/30/2025 |
| Guaranty Bank MMA | 0.20% | 0.20% | $0 | 1/29/2025 |
| Bethpage Federal Credit Union MMA | 0.20% | 0.20% | $0 | 1/30/2025 |
| Guaranty Bank MMA $10k | 0.20% | 0.20% | $0 | 1/29/2025 |
| Bethpage Federal Credit Union MMA $25k | 0.20% | 0.20% | $0 | 1/30/2025 |
| First Horizon Bank MMA $25k | 0.22% | 0.22% | $0 | 1/30/2025 |
| First Horizon Bank MMA $10k | 0.22% | 0.22% | $0 | 1/30/2025 |
| First Horizon Bank MMA | 0.22% | 0.22% | $0 | 1/30/2025 |
| TABBank MMA | 0.25% | 0.25% | $0 | 1/28/2025 |
| First Horizon Bank Savings | 0.25% | 0.25% | $0 | 1/30/2025 |
| First National Bank of Pennsylvania MMA | 0.25% | 0.25% | $0 | 1/30/2025 |
| Do not use Savings | 0.25% | 0.25% | $100 | 1/27/2025 |
| Lone Star Bank MMA | 0.25% | 0.25% | $0 | 1/28/2025 |
| WebBank Savings | 0.25% | 0.25% | $1,000 | 1/28/2025 |
| AxosBank MMA | 0.25% | 0.25% | $0 | 1/28/2025 |
| Connexus Credit Union MMA | 0.25% | 0.25% | $1,000 | 1/28/2025 |
| Do not use MMA | 0.25% | 0.25% | $2,500 | 1/27/2025 |
| North Valley Bank MMA | 0.25% | 0.25% | $1,000 | 1/24/2025 |
| KeyBank NA MMA | 0.25% | 0.25% | $5,000 | 1/27/2025 |
| First Horizon Bank Savings $10k | 0.25% | 0.25% | $0 | 1/30/2025 |
| WebBank Savings $10k | 0.25% | 0.25% | $1,000 | 1/28/2025 |
| AxosBank MMA $10k | 0.25% | 0.25% | $0 | 1/28/2025 |
| KeyBank NA MMA $10k | 0.25% | 0.25% | $10,000 | 1/27/2025 |
| CIBC Bank USA MMA $10k | 0.25% | 0.25% | $0 | 1/28/2025 |
| First Horizon Bank Savings $25k | 0.25% | 0.25% | $0 | 1/30/2025 |
| Lone Star Bank Savings | 0.30% | 0.30% | $0 | 1/28/2025 |
| BECU Savings | 0.35% | 0.35% | $0 | 1/28/2025 |
| Do not use MMA $10k | 0.35% | 0.34% | $5,000 | 1/27/2025 |
| First Federal Savings and Loan Association of Lakewood MMA $10k | 0.35% | 0.35% | $10,000 | 1/29/2025 |
| First Federal Community Bank NA MMA $10k | 0.40% | 0.40% | $0 | 1/24/2025 |
| GTEFinancial MMA | 0.40% | 0.40% | $0 | 1/28/2025 |
| Amalgamated Bank Savings | 0.41% | 0.41% | $0 | 1/30/2025 |
| 5 Star Bank MMA | 0.50% | 0.50% | $1,000 | 1/28/2025 |
| Presidential Bank FSB Savings | 0.50% | 0.50% | $500 | 1/28/2025 |
| BECU MMA | 0.50% | 0.50% | $0 | 1/28/2025 |
| First National Bank of Pennsylvania MMA $10k | 0.58% | 0.50% | $0 | 1/30/2025 |
| Amalgamated Bank MMA $10k | 0.60% | 0.60% | $0 | 1/30/2025 |
| Amalgamated Bank MMA | 0.60% | 0.60% | $0 | 1/30/2025 |
| AxosBank Savings | 0.61% | 0.61% | $0 | 1/28/2025 |
| North Valley Bank MMA $10k | 0.65% | 0.65% | $10,000 | 1/24/2025 |
| GTEFinancial MMA $10k | 0.65% | 0.65% | $10,000 | 1/28/2025 |
| GTEFinancial Savings | 0.75% | 0.75% | $100 | 1/28/2025 |
| Schools First FCU MMA | 0.75% | 0.75% | $0 | 1/30/2025 |
| First Internet Bank of Indiana Savings | 0.81% | 0.80% | $0 | 1/28/2025 |
| Schools First FCU MMA $25k | 1.00% | 0.99% | $0 | 1/30/2025 |
| KS StateBank MMA $10k | 1.00% | 1.00% | $0 | 1/28/2025 |
| Schools First FCU MMA $10k | 1.00% | 0.99% | $0 | 1/30/2025 |
| KS StateBank MMA | 1.00% | 1.00% | $0 | 1/28/2025 |
| Goldwater Bank MMA | 1.00% | 1.00% | $0 | 1/28/2025 |
| Goldwater Bank Savings | 1.00% | 1.00% | $0 | 1/28/2025 |
| America First FCU MMA | 1.00% | 1.00% | $1 | 1/28/2025 |
| EverBank MMA | 1.00% | 0.99% | $0 | 1/31/2025 |
| VioBank Savings | 1.10% | 1.09% | $100 | 1/28/2025 |
| 5 Star Bank Savings | 1.13% | 1.12% | $0 | 1/28/2025 |
| BECU MMA $10k | 1.16% | 1.15% | $0 | 1/28/2025 |
| America First FCU MMA $10k | 1.30% | 1.29% | $10,000 | 1/28/2025 |
| BanescoUSA Savings | 1.35% | 1.34% | $300 | 1/28/2025 |
| BankFive Savings | 1.50% | 1.49% | $100 | 1/28/2025 |
| BankPurely Savings | 1.50% | 1.49% | $100 | 1/28/2025 |
| BankPurely, a division of Flushing Bank Savings | 1.50% | 1.49% | $0 | 1/30/2025 |
| CIT Bank MMA | 1.55% | 1.54% | $100 | 1/28/2025 |
| Stride Bank Savings | 2.00% | 1.98% | $0 | 1/28/2025 |
| EverBank MMA | 2.02% | 2.00% | $0 | 1/24/2025 |
| The Community Bank MMA $10k | 2.25% | 2.23% | $0 | 1/29/2025 |
| Synchrony Bank MMA | 2.25% | 2.22% | $0 | 1/28/2025 |
| Luana Savings Bank MMA | 2.48% | 2.45% | $0 | 1/28/2025 |
| Varo Bank Savings | 2.50% | 2.47% | $0 | 1/28/2025 |
| First National Bank of America Savings | 2.51% | 2.48% | $1,000 | 1/28/2025 |
| Pendleton Community Bank, Inc. MMA $25k | 2.69% | 2.65% | $0 | 1/23/2025 |
| Bank of Hope mma_jumbo 10000 | 3.25% | 3.20% | $100,000 | 1/28/2025 |
| FNBO Savings $10k | 3.60% | 3.54% | $0 | 1/28/2025 |
| FNBO Savings | 3.60% | 3.54% | $0 | 1/28/2025 |
| Discover Bank MMA | 3.60% | 3.54% | $0 | 1/31/2025 |
| First Internet Bank of Indiana MMA | 3.61% | 3.55% | $0 | 1/28/2025 |
| CitizensAccess Savings | 3.70% | 3.63% | $0 | 1/28/2025 |
| LendingClub Savings | 3.70% | 3.63% | $0 | 1/28/2025 |
| Discover Bank Savings | 3.75% | 3.68% | $0 | 1/31/2025 |
| Quorum Federal Credit Union Savings | 3.75% | 3.69% | $0 | 1/28/2025 |
| Valley Bank Savings | 3.75% | 3.68% | $0 | 1/28/2025 |
| Ally Savings | 3.80% | 3.73% | $0 | 1/28/2025 |
| Capital One Savings | 3.80% | 3.80% | $0 | 1/31/2025 |
| Ally mma_jumbo 0 | 3.80% | 3.73% | $0 | 1/28/2025 |
| American Express National Savings | 3.80% | 3.73% | $0 | 1/28/2025 |
| Ally MMA | 3.80% | 3.73% | $0 | 1/28/2025 |
| QuonticBank Savings | 3.85% | 3.78% | $0 | 1/28/2025 |
| WesternStateBank MMA | 4.00% | 3.92% | $0 | 1/28/2025 |
| Sallie Mae Savings | 4.00% | 3.92% | $0 | 1/31/2025 |
| Sallie Mae MMA | 4.00% | 3.92% | $0 | 1/31/2025 |
| SoFi Savings | 4.00% | 4.00% | $0 | 1/31/2025 |
| Morgan Stanley Private Bank Savings | 4.00% | 3.92% | $0 | 1/28/2025 |
| DollarSavingsDirect Savings | 4.00% | 3.92% | $0 | 1/28/2025 |
| BanescoUSA MMA | 4.00% | 3.92% | $300 | 1/28/2025 |
| EverBank MMA | 4.00% | 3.92% | $0 | 1/31/2025 |
| Sallie Mae mma_jumbo 10000 | 4.00% | 3.92% | $0 | 1/28/2025 |
| Sallie Mae Savings $10k | 4.00% | 3.92% | $0 | 1/28/2025 |
| EverBank MMA | 4.00% | 3.92% | $0 | 1/31/2025 |
| BankPurely, a division of Flushing Bank MMA | 4.00% | 3.92% | $0 | 1/30/2025 |
| BankPurely MMA $25k | 4.00% | 3.92% | $25,000 | 1/28/2025 |
| iGObanking MMA $25k | 4.00% | 3.92% | $0 | 1/28/2025 |
| Salem Five Direct Savings | 4.01% | 3.93% | $0 | 1/29/2025 |
| UFBDirect Savings | 4.01% | 3.93% | $0 | 1/28/2025 |
| UFBDirect MMA | 4.01% | 3.93% | $0 | 1/28/2025 |
| BMO Alto Savings | 4.10% | 4.02% | $0 | 1/31/2025 |
| Synchrony Bank Savings | 4.10% | 4.01% | $0 | 1/28/2025 |
| MySavingsDirect Savings | 4.10% | 4.02% | $0 | 1/28/2025 |
| Synchrony Bank Savings | 4.10% | 4.10% | $0 | 1/31/2025 |
| Live Oak Bank Savings | 4.20% | 4.11% | $0 | 1/31/2025 |
| Northern Bank and Trust Company MMA | 4.25% | 4.16% | $500 | 1/28/2025 |
| VirtualBank, a division of First Horizon Bank MMA | 4.25% | 4.17% | $0 | 1/28/2025 |
| AlumniFi Credit Union Savings | 4.25% | 4.25% | $0 | 1/31/2025 |
| Langley FCU Savings | 4.25% | 4.25% | $0 | 1/31/2025 |
| Forbright Bank Savings | 4.25% | 4.25% | $0 | 1/31/2025 |
| Barclays Savings | 4.25% | 4.25% | $0 | 1/31/2025 |
| TABBank Savings | 4.26% | 4.17% | $0 | 1/28/2025 |
| Western Alliance Bank Savings | 4.30% | 4.30% | $0 | 1/31/2025 |
| EverBank Savings | 4.30% | 4.30% | $0 | 1/31/2025 |
| Primis Bank Savings | 4.35% | 4.26% | $0 | 1/28/2025 |
| CIT Bank Savings | 4.35% | 4.35% | $5,000 | 1/31/2025 |
| CIT Bank Savings | 4.35% | 4.26% | $0 | 1/28/2025 |
| CFGCommunityBank MMA | 4.37% | 4.28% | $1,000 | 1/28/2025 |
| CIBC Bank USA Savings | 4.38% | 4.29% | $1 | 1/31/2025 |
| MidWest BankCentre Savings | 4.40% | 4.32% | $1,000 | 1/28/2025 |
| MyBankingDirect, a service of Flagstar Bank, N.A. Savings | 4.45% | 4.35% | $1 | 1/28/2025 |
| VioBank MMA | 4.46% | 4.36% | $0 | 1/28/2025 |
| LendingClub Savings | 4.50% | 4.41% | $0 | 1/31/2025 |
| Poppy Bank Savings | 4.50% | 4.40% | $1,000 | 1/31/2025 |
| Popular Direct Savings | 4.50% | 4.40% | $100 | 1/28/2025 |
| Bread Savings Savings | 4.50% | 4.50% | $0 | 1/31/2025 |
| Jenius Bank Savings | 4.50% | 4.40% | $0 | 1/31/2025 |
| BrioDirect Savings | 4.55% | 4.45% | $0 | 1/28/2025 |
| Peak Bank Savings | 4.75% | 4.75% | $0 | 1/31/2025 |
| Patriot Bank Savings | 4.75% | 4.58% | $1 | 1/31/2025 |
| QuonticBank MMA | 4.75% | 4.64% | $0 | 1/28/2025 |
| Openbank Savings | 4.75% | 4.65% | $500 | 1/31/2025 |
| First Federal Savings and Loan Association of Lakewood Savings | 5.00% | 0.05% | $10 | 1/29/2025 |
1 APY stands for Annual Percentage 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.
3 Not all banks are represented.
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
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