Salem Five Direct – 5.01% APY eone savings (see this comment).NASB – 5.02% APY premium savings (check incognito) ($25,000 minimum) (not accepting new applicants).Redneck Bank / All America Bank – 5.05% APY money market, up to $100,000 ( review).BankPurely – 5.05% APY money market (minimum $25,000)(see this comment).Primis Bank – 5.07% APY savings and checking ( review).
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Upgrade – 5.07% APY premier savings ( minimum $1,000)(see this comment).Dime – 5.10% Blue savings (not available in NY, CA).Pacific Western – 5.15% savings ($5,000 minimum).Western State Bank – 5.15% APY money market ( our review).Modern Bank – 5.20% high yield money market (minimum $100,000).PopularDirect – 5.20% APY savings (see this comment).CFG Bank – 5.20% APY high-yield money market (must maintain minimum $1,000).Republic Bank – 5.21% APY money market (minimum $2,500)(nationwide except IL, IN, WI, MI).UFB – 5.25% APY savings account (see this comment and this).Fierce – 5.25% cash account (requires iOS app)($30 Swagbucks bonus).Milli – 5.25% savings account (requires mobile app).Newtek Bank – 5.25% savings (new applications paused).Evergreen Bank – 5.25% high yield online savings.Valley Direct – 5.25% APY savings ( 12,000 MyPoints signup bonus).TotalDirectBank – 5.26% money market (balances $2,500-$500,000 not available in FL).Here are the best options available, rated in APY from highest to lowest: These are all ordinary savings accounts with no hoops to jump through, and they are FDIC/NCUA insured up to $250,000. With a little research, we can find accounts that offer competitive rates. Leaving money in a regular bank account will usually get you a terrible interest rate.
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