Best Savings Accounts
With federal interest rates rising, there are now some great savings accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed here are FDIC insured and most have no monthly maintenance fees. Direct deposits or a minimum balance may be required to avoid monthly maintenance fees or receive a higher interest rate.Many banks have also removed monthly withdrawal transaction limits after the Federal Reserved removed Regulation D requirements in April 2020. Regulation D was a federal law that kept customers from making more than six withdrawals or transfers per month from a savings or money market account. Some banks have kept or modified their monthly withdrawal transaction limits. You can review the bank links to see more account details.
Last updated: Sep 13, 2025
| Bank | APY with Direct Deposit | APY without Direct Deposit | Minimum Monthly Direct Deposit | Minimum to open account | Minimum Daily Balance | Maximum Balance eligible for APY | Early Paycheck? | |
|---|---|---|---|---|---|---|---|---|
| Evergreen Wealth | 5.00% | 5.00% | $25,000 | $25,000 | Apply | |||
 |
5.00% | 2.50% | $1,000 | $3 | $5,000 | Yes | Apply | |
| Elevault.app | 4.60% | 4.60% | $250,000 | Apply | ||||
| Pibank | 4.60% | 4.60% | Apply | |||||
| OMB Online High Interest | 4.56% | 4.56% | $5,000 | Apply | ||||
| Fitness | 4.50% | 4.50% | $100 | $100 | $250,000 | Apply | ||
| Climate First Impact Money Market | 4.46% | 4.46% | $50,000 | $50,000 | $9,999,999 | Apply | ||
| Axos ONE | 4.46% | 1.00% | $1,500 | Apply | ||||
| State Bank of Texas Jumbo Money Market | 4.44% | 4.44% | $100,000 | $100,000 | Apply | |||
| First Internet Money Market | 4.42% | 4.42% | $100 | $1,000,001 | Apply | |||
| TotalBank | 4.41% | 4.41% | $25,000 | $2,500 | $1,000,000 | No | Apply | |
| Zynlo | 4.40% | 4.40% | $10 | $0 | $250,000 | Yes | Apply | |
| TIMBR | 4.40% | 4.40% | $1,000 | Apply | ||||
| Newtek | 4.35% | 4.35% | Apply | |||||
| Peak | 4.35% | 4.35% | $10,000,000 | Apply | ||||
| FVC Advantage | 4.35% | 4.35% | $500 | $500 | Apply | |||
| Brilliant.Bank Surge Money Market | 4.35% | 4.35% | $1,000 | Apply | ||||
| CFG | 4.32% | 4.32% | $1,000 | $1,000 | No | Apply | ||
|
|
4.31% | 4.31% | $1 | $1 | Apply | |||
| Vio | 4.31% | 4.31% | $100 | Apply | ||||
| EverBank | 4.30% | 4.30% | Apply | |||||
| My Banking Direct | 4.30% | 4.30% | $500 | $1 | Apply | |||
| Brio Direct | 4.30% | 4.30% | $5,000 | $25 | No | Apply | ||
| Fierce | 4.25% | 4.25% | Apply | |||||
| Forbright Growth | 4.25% | 4.25% | Apply | |||||
| Poppy Premier Online | 4.25% | 4.25% | $1,000 | Apply | ||||
| Merchants Bank of IN | 4.25% | 4.25% | $50 | Apply | ||||
| Bread Financial | 4.25% | 4.25% | $100 | $1,000,000 | No | Apply | ||
| Quontic Money Market | 4.25% | 4.25% | $100 | Apply | ||||
| First Foundation Online Money Market | 4.25% | 4.25% | $1,000 | $5,000,000 | Apply | |||
| Ivy | 4.25% | 4.25% | $2,500 | $2,500 | $1,000,000 | No | Apply | |
| Jenius | 4.20% | 4.20% | Apply | |||||
| Primis | 4.20% | 4.20% | $1 | Yes | Apply | |||
| Openbank | 4.20% | 4.20% | $500 | Apply | ||||
| Lending Club | 4.20% | 3.20% | $250 | Apply | ||||
| Bask | 4.15% | 4.15% | Apply | |||||
| Greenwood | 4.15% | 4.15% | Yes | Apply | ||||
| Tab | 4.15% | 4.15% | Apply | |||||
| ROGER | 4.12% | 4.12% | Apply | |||||
 |
4.10% | 4.10% | Apply | |||||
| Public | 4.10% | 4.10% | Apply | |||||
| Barclays Tiered | 4.10% | 4.10% | $250,000 | $1,000,000 | Apply | |||
| MutualOne | 4.07% | 4.07% | $20,000 | $20,000 | Apply | |||
| Prime Alliance | 4.05% | 4.05% | Apply | |||||
| Popular Direct | 4.05% | 4.05% | $100 | Apply | ||||
| Republic | 4.04% | 4.04% | $2,500 | Apply | ||||
| CIBC USA | 4.02% | 4.02% | $1,000 | $0 | $1,000,000 | Apply | ||
 Upgrade Performance |
4.02% | 1.50% | $1,000 | Apply | ||||
| UFB High Yield | 4.01% | 4.01% | No | Apply | ||||
| Salem Five | 4.01% | 4.01% | $10 | $1,000,000 | Apply | |||
| E*Trade | 4.00% | 4.00% | Apply | |||||
| VirtualBank eMoney Market | 4.00% | 4.00% | Apply | |||||
| Live Oak | 4.00% | 4.00% | $10 | Apply | ||||
| ConnectOne | 4.00% | 4.00% | $2,500 | Apply | ||||
 |
4.00% | 4.00% | $1 | Yes | Apply | |||
| Flagstar | 4.00% | 4.00% | $1 | $25,000 | Apply | |||
| Betterment | 4.00% | 4.00% | $10 | Apply | ||||
| CIT Platinum | 4.00% | 4.00% | $100 | $5,000 | Apply | |||
| All America Mega Money Market | 4.00% | 4.00% | $500 | $100,000 | Apply | |||
| North American Savings Select III | 4.00% | 4.00% | $500 | $25,000 | Apply | |||
| Veritex | 4.00% | 4.00% | $2,500 | $250,000 | Apply | |||
| Carver High Yield | 4.00% | 4.00% | $5,000 | $5,000 | Apply | |||
| North American Savings Ultimate | 4.00% | 4.00% | $10,000 | $0 | $2,000,000 | Apply | ||
| mph Free | 4.00% | 3.00% | $2,000 | $50,000 | Apply | |||
 |
4.00% | 1.50% | $300 | Apply | ||||
 |
4.00% | 0.25% | $200 | $0 | $6,000 | Yes | Apply | |
 |
4.00% | 0.00% | $500 | $250,000 | Yes | Apply | ||
| PNC | 3.95% | 3.95% | $1 | Apply | ||||
| UMB Money Market | 3.95% | 3.95% | $100 | $10,000 | Apply | |||
| Barclays Tiered | 3.90% | 3.90% | $1,000,000 | Apply | ||||
| CIT Connect | 3.90% | 3.90% | $100 | Apply | ||||
| BankPurely | 3.90% | 3.90% | $25,000 | $25,000 | Apply | |||
| iGObanking | 3.90% | 3.90% | $25,000 | $25,000 | Apply | |||
| Affirm | 3.85% | 3.85% | Apply | |||||
| Sallie Mae | 3.85% | 3.85% | Apply | |||||
 Laurel Road |
3.80% | 3.80% | No | Apply | ||||
 |
3.80% | 3.80% | Apply | |||||
| Synchrony | 3.80% | 3.80% | Apply | |||||
 |
3.80% | 1.00% | $1 | Yes | Apply | |||
| Empower Personal Cash | 3.75% | 3.75% | Apply | |||||
| My Savings Direct | 3.75% | 3.75% | No | Apply | ||||
| Dollar Savings Direct | 3.75% | 3.75% | $1 | No | Apply | |||
| Valley Direct | 3.75% | 3.75% | $1 | Apply | ||||
| Quontic High Yield | 3.75% | 3.75% | $100 | Apply | ||||
| Northern Bank Direct | 3.75% | 3.75% | $5,000 | $250,000 | Apply | |||
| Western State | 3.75% | 3.75% | $5,000 | $0 | $10,000,000 | Apply | ||
 |
3.75% | 1.25% | $200 | Yes | Apply | |||
 |
3.75% | 1.00% | $500 | $5,000 | $250,000 | Yes | Apply | |
| Barclays | 3.70% | 3.70% | $20,000,000 | Apply | ||||
| Citizens Access | 3.70% | 3.70% | $5,000 | $5,000 | Apply | |||
| Apple Savings | 3.65% | 3.65% | $250,000 | Apply | ||||
| Marcus by Goldman Sachs | 3.65% | 3.65% | Apply | |||||
 |
3.50% | 3.50% | Apply | |||||
| Ally Money Market | 3.50% | 3.50% | Apply | |||||
| American Express | 3.50% | 3.50% | Apply | |||||
| BMO Alto | 3.50% | 3.50% | Apply | |||||
| CapitalOne | 3.50% | 3.50% | Apply | |||||
| Discover | 3.50% | 3.50% | Apply | |||||
| Emigrant Direct | 3.50% | 3.50% | No | Apply | ||||
| Citi | 3.50% | 3.50% | $500 | Apply | ||||
| US Bank Smartly | 3.50% | 3.50% | $100 | $25,000 | Apply | |||
| Huntington Relationship Money Market | 3.45% | 3.45% | $25,000 | $25,000 | $2,000,001 | Apply | ||
| FNBO Direct | 3.25% | 3.25% | $1 | $1,000,000 | Apply | |||
| Northpointe Ultimate Money Market | 3.25% | 3.25% | $100 | $25,000 | $3,000,000 | Apply | ||
| All America Super Savers MMDA | 3.25% | 3.25% | $2,500 | $100,000 | Apply | |||
| Lake Ridge High Yield | 3.19% | 3.19% | $10,000 | Apply | ||||
| Credit Karma | 3.10% | 3.10% | Apply | |||||
| NBKC | 3.00% | 3.00% | $0 | Apply | ||||
| North American Savings High Rate | 3.00% | 3.00% | $1 | $0 | $1,499,999 | Apply | ||
| Ameriprise | 3.00% | 3.00% | $100 | Apply | ||||
| Patriot | 3.00% | 3.00% | $100 | $250,000 | Apply | |||
| Third Federal Online | 3.00% | 3.00% | $5,000 | $5,000 | Apply | |||
| T-Mobile | 2.50% | 2.50% | Yes | Apply | ||||
| Amalgamated Online Savings | 2.25% | 2.25% | $100 | Apply | ||||
| Axos | 0.61% | 0.61% | $250 | $25,000 | Apply | |||
| US Bank Standard | 0.05% | 0.05% | $25 | $300 | Apply | |||
| FNBO | 0.02% | 0.02% | Apply | |||||
| TD Simple | 0.02% | 0.02% | $300 | Apply | ||||
| Chase | 0.01% | 0.01% | $300 | Apply | ||||
| Fifth Third | 0.01% | 0.01% | $500 | Apply | ||||
| Wells Fargo Way2Save | 0.01% | 0.01% | $25 | $300 | Apply | |||
| Regions | 0.01% | 0.01% | $50 | $300 | Apply | |||
| Truist One | 0.01% | 0.01% | $50 | $300 | Apply | |||
| Industrial | 0.01% | 0.01% | $100 | Apply | ||||
| Bank of America | 0.01% | 0.01% | $100 | $500 | Apply |
BankMindful.com is an independent publisher and comparison service. The content on Bank Mindful is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. We do our best to keep information updated, however, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. BankMindful may not include all companies or all available products.