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

With the low rates these days most bank accounts are close to 0% interest earned on your savings. 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. Many banks are lowering rates, so I will continue to update this as they change.

• T-Mobile Money – 1.00% APY savings for anyone (4% on $3,000 for T-Mobile customers)
• Paramount Bank – .85% high interest checking
• Customers Bank – .80% APY Ascent money market (minimum $25,000)
• Merchants Bank – .75% APY money market
• CFG Community – .72% APY high-yield money market (minimum $25,000)
• Connectone – .70% savings ($2,500 minimum to $250,000 maximum)
• MutualOne Bank – .70% APY savings
• SFGI – .67% APY savings
• Vio Bank – .66% APY savings account ($100 minimum)
• Affirm – .65% APY savings
• TAB Bank – .65% savings
• BrioDirect – .65% money market (minimum $25,000)
• Salem Five Direct – .61% APY savings
• Axos – .61% savings
• Synchrony – .60% APY savings
• First Foundation – .60% savings
• Popular Direct – .60% APY savings (minimum $5,000)
• Live Oak Bank – .60% APY savings
• Prime Alliance – .60% savings (minimum $10,000)
• Western State Bank – .60% APY money market
• Spectrum CU – .60% money market (minimum $2,500)
• Comenity – .60% APY savings
• BankPurely – .55% APY money market (minimum $25,000)
• iGoBanking – .55% money market (minimum $25,000)
• Sallie Mae – .55% APY money market
• Alliant Credit Union– .55% APY savings
• PenFed – .55% APY premium savings
• Valley Direct – .55% APY savings ($5,000 minimum) -AL, CT, DC, DE, FL, MD, NJ, NY, PA, VA, WV
• Sallie Mae – .55% APY or higher  smartypig  account (.80% first $10,000)
• CIBC – .52% savings (minimum $1,000)
• Bank7 – .50% APY savings & money market account
• Ally – .50% APY savings
• Northern Bank – .50% money market
• TotalDirectBank – .50% money market (balances between $2,500 and $500,000)
• Star One CU – .50% APY money market
• Rising Bank – .50% savings account (pays monthly)
• Colorado Federal – .50% APY savings (.60% for new customers)
• Chime – .50% savings
• Simple – .50% APY in their ‘Protected Goals’ savings account
• American Express – .50% APY savings account
• CIT Bank – .50% APY money market account
• CitizensAccess – .40% APY savings (minimum $5,000)
• Marcus by Goldman Sachs – .50% APY savings
• All America Bank – .50% APY on balances up to $50,000
• Redneck Bank – .50% APY money market on balances up to $50,000
• Level Bank – .50% APY checking account
• Barclays – .45% APY savings
• Dollar Savings Direct – .45% APY savings
• MySavingsDirect – .45% APY savings
• Emigrant Bank – .45% APY savings
• VirtualBank – .45% APY eMoney Market Account
• Credit Karma Savings – .40% APY
• BrioDirect – .40% savings
• Envision – .40% APY savings
• Bank5 Connect – .40% APY savings
• FNBO Direct – .40% APY savings
• Axos/Nationwide – .40% APY savings
• Capital One 360 – .40% APY savings
• NBKC – .40% ‘everything’ account and money market account
• MutualOne – .40% APY Advantage checking (minimum $50,000)
• EBSB Direct – .40% money market ($10,000 – $200,000)
• PurePoint – .40% APY savings account (minimum $10,000)
• Betterment – .40% saving account
• Wealthfront – .35% APY cash account
• Radius Bank – .25% APY savings (minimum $25,000)
• WebBank – .25% APY savings ($1,000 minimum)
• Northfield Bank – .25% APY platinum savings
• Investors Bank – .20% money market
• Empower Banking – .20% APY savings
• HSBC Direct – .15% APY savings
• Personal Capital  – .05% APY cash account
• E*Trade Bank – .05% premium savings
• Robinhood – .30% APY account