All of these bank accounts listed have no fees and are FDIC insured for up to $250,000. If any of them have minimums, or geographic limitations I listed them. -Updated- July 22, 2024.
- Flagstar – 5.55% savings (minimum $25k, guaranteed for 5 months)
- MyBankingDirect – 5.45% APY savings
- Eagle Bank – 5.35% savings
- Brio – 5.30% high yield savings (minimum $5,000 to open)
- Climate First Bank – 5.34% checking or money market
- Western Alliance – 5.31% high yield savings
- Vio Bank – 5.30% APY money market
- Forbright Bank – 5.30% savings
- TotalDirectBank – 5.26% money market (balances $2,500-$500,000; not available in FL)
- UFB – 5.25% APY savings account
- CFG Bank – 5.25% APY high-yield money market (minimum $1,000)
- Evergreen Bank – 5.25% high yield online savings
- Newtek Bank – 5.25% savings
- Jenius Bank – 5.25% savings
- VirtualBank – 5.25% APY eMoney Market
- Republic Bank – 5.21% APY money market (minimum $2,500)
- Modern Bank – 5.20% high yield money market (minimum $100,000)
- TradeUp – 5.20% Cash+ program
- Comenity ‘Bread’ – 5.15% APY savings
- Laurel Road – 5.15% high yield savings
- Western State Bank – 5.15% APY money market
- Pacific Western – 5.15% savings ($5,000 minimum)
- Credit Karma Savings – 5.10% APY
- Public – 5.10% high yield cash account
- Bask Bank – 5.10% APY savings
- PopularDirect – 5.05% APY savings
- BankPurely – 5.05% APY money market (minimum $25,000)
- EverBank (TIAA) – 5.05% APY yield pledge savings
- TAB Bank – 5.02% savings
- Salem Five Direct – 5.01% APY eone savings
- CIBC – 5.01% APY savings (minimum $1,000)
- CIT Bank – 5.00% platinum savings ($5,000 minimum)
- Betterment – 5.00% saving account
- Quontic – 5.00% money market
- Webull – 5.00% cash management account
- mph – 5.00% savings
- Merchants Bank – 5.00% APY money market
- One Finance – 5.00% savings ($5,000 minimum, $100,000 max)
- Wealthfront – 5.00% APY cash account
- Lending Club Banking – 5.00% APY savings
- Northern Bank Direct – 4.95% APY premier money market
- First Foundation – 4.90% APY money market
- Wise – 4.95% interest feature
- Synchrony – 4.75% APY savings
- Milli – 4.75% savings account (requires mobile app)
- Styl Bank – 4.75% APY
- FNBO Direct – 4.75% online savings
- Empower/Personal Capital – 4.70% APY cash account
- Sallie Mae – 4.65% APY money market
- PNC – 4.65% high-yield savings (select areas)
- Vanguard – 4.60% Cash Plus account
- Usalliance – 4.55% APY high dividend savings
- E*Trade – 4.50% APY savings
- Prime Alliance – 4.50% savings (minimum $10,000)
- Citizens Access – 4.50% APY savings account
- Barclays – 4.50% tiers savings (minimum $50,000)
- Colorado Federal – 4.45% APY savings
- Apple Card/Goldman Sachs – 4.40% savings
- Marcus Bank – 4.40% APY savings
- Live Oak Bank – 4.40% APY savings
- Barclays – 4.35% APY savings
- Mysavingsdirect – 4.35% APY savings
- Citibank – 4.30% APY savings
- Synchrony Paypal version – 4.30% APY savings
- SFGI – 4.26% APY savings
- Discover – 4.25% APY savings
- U.S. Bank – 4.25% elite money market (minimum $25,000)
- Capital One 360 – 4.25% APY savings
- American Express – 4.25% APY savings account
- Ally Bank – 4.20% APY savings or money market
- Fidelity Bank – 4.00% savings