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: Jan 24, 2026
| 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? | |
|---|---|---|---|---|---|---|---|---|
 |
5.00% | 2.50% | $1,000 | $3 | $5,000 | Yes | Apply | |
| Pibank | 4.60% | 4.60% | Apply | |||||
| Fitness | 4.45% | 4.45% | $100 | $100 | $250,000 | Apply | ||
| Newtek | 4.35% | 4.35% | Apply | |||||
| Axos ONE | 4.31% | 1.00% | $1,500 | Apply | ||||
| Climate First | 4.21% | 4.21% | $50 | Apply | ||||
| Openbank | 4.20% | 4.20% | $500 | Apply | ||||
| Greenwood | 4.15% | 4.15% | Yes | Apply | ||||
| TIMBR | 4.15% | 4.15% | $1,000 | Apply | ||||
| Quontic Money Market | 4.10% | 4.10% | $100 | Apply | ||||
| MutualOne | 4.07% | 4.07% | $20,000 | $20,000 | Apply | |||
| Jenius | 4.05% | 4.05% | Apply | |||||
| My Banking Direct | 4.02% | 4.02% | $500 | $1 | Apply | |||
| TotalBank | 4.01% | 4.01% | $25,000 | $2,500 | $1,000,000 | No | Apply | |
 |
4.00% | 4.00% | $10,000 | Apply | ||||
| Barclays Tiered | 4.00% | 4.00% | $250,000 | $1,000,000 | Apply | |||
|
|
4.00% | 4.00% | $1 | $1 | Apply | |||
| Bread Financial | 4.00% | 4.00% | $100 | $1,000,000 | No | Apply | ||
| North American Savings Select III | 4.00% | 4.00% | $500 | $25,000 | Apply | |||
| Brilliant.Bank Surge Money Market | 4.00% | 4.00% | $1,000 | Apply | ||||
| Ivy | 4.00% | 4.00% | $2,500 | $2,500 | $1,000,000 | No | 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 | ||
| Lending Club | 4.00% | 3.00% | $250 | Apply | ||||
| mph Free | 4.00% | 3.00% | $2,000 | $50,000 | Apply | |||
 |
4.00% | 0.25% | $200 | $0 | $6,000 | Yes | Apply | |
| Peak | 3.99% | 3.99% | $10,000,000 | Apply | ||||
| EverBank | 3.90% | 3.90% | Apply | |||||
| Zynlo | 3.90% | 3.90% | $10 | $0 | $250,000 | Yes | Apply | |
| Popular Direct | 3.90% | 3.90% | $100 | Apply | ||||
| Barclays Tiered | 3.85% | 3.85% | $1,000,000 | Apply | ||||
| Forbright Growth | 3.85% | 3.85% | Apply | |||||
| PNC | 3.85% | 3.85% | $1 | Apply | ||||
| Primis | 3.85% | 3.85% | $1 | Yes | Apply | |||
| All America Mega Money Market | 3.85% | 3.85% | $500 | $100,000 | Apply | |||
| FVC Advantage | 3.85% | 3.85% | $500 | $500 | Apply | |||
| CFG | 3.85% | 3.85% | $1,000 | $1,000 | No | Apply | ||
| Elevault.app | 3.82% | 3.82% | $250,000 | Apply | ||||
| Live Oak | 3.80% | 3.80% | $10 | Apply | ||||
| State Bank of Texas Jumbo Money Market | 3.76% | 3.76% | $100,000 | $100,000 | Apply | |||
| Bask | 3.75% | 3.75% | Apply | |||||
| Prime Alliance | 3.75% | 3.75% | Apply | |||||
| CIT Platinum | 3.75% | 3.75% | $100 | $5,000 | Apply | |||
| Axos | 3.75% | 3.75% | $250 | $25,000 | Apply | |||
| First Foundation Online Money Market | 3.75% | 3.75% | $1,000 | $5,000,000 | Apply | |||
| Brio Direct | 3.75% | 3.75% | $5,000 | $25 | No | Apply | ||
| Vio | 3.70% | 3.70% | $100 | Apply | ||||
| CIBC USA | 3.66% | 3.66% | $1,000 | $0 | $1,000,000 | Apply | ||
| Apple Savings | 3.65% | 3.65% | $250,000 | Apply | ||||
| Marcus by Goldman Sachs | 3.65% | 3.65% | Apply | |||||
 |
3.65% | 3.65% | Apply | |||||
| Sallie Mae | 3.65% | 3.65% | Apply | |||||
| Synchrony | 3.65% | 3.65% | Apply | |||||
| CIT Connect | 3.65% | 3.65% | $100 | Apply | ||||
| First Internet Money Market | 3.64% | 3.64% | $100 | $1,000,001 | Apply | |||
| ROGER | 3.61% | 3.61% | Apply | |||||
| Tab | 3.61% | 3.61% | Apply | |||||
| Salem Five | 3.61% | 3.61% | $10 | $1,000,000 | Apply | |||
| Barclays | 3.60% | 3.60% | $20,000,000 | Apply | ||||
| UMB Money Market | 3.51% | 3.51% | $100 | $10,000 | Apply | |||
| E*Trade | 3.50% | 3.50% | Apply | |||||
| GalaxyOne | 3.50% | 3.50% | Apply | |||||
 Laurel Road |
3.50% | 3.50% | No | Apply | ||||
| US Bank Smartly | 3.50% | 3.50% | $25 | $100,000 | Apply | |||
| Merchants Bank of IN | 3.50% | 3.50% | $50 | Apply | ||||
| Quontic High Yield | 3.50% | 3.50% | $100 | Apply | ||||
 |
3.50% | 1.25% | $200 | Yes | Apply | |||
| Huntington Relationship Money Market | 3.45% | 3.45% | $25,000 | $25,000 | $2,000,001 | Apply | ||
| Valley Direct | 3.40% | 3.40% | $1 | Apply | ||||
| Flagstar | 3.40% | 3.40% | $1 | $25,000 | Apply | |||
| Northern Bank Direct | 3.40% | 3.40% | $5,000 | $250,000 | Apply | |||
| Republic | 3.36% | 3.36% | $2,500 | Apply | ||||
| My Savings Direct | 3.35% | 3.35% | No | Apply | ||||
| Dollar Savings Direct | 3.35% | 3.35% | $1 | No | Apply | |||
 |
3.35% | 1.00% | $500 | $5,000 | $250,000 | Yes | Apply | |
 |
3.30% | 3.30% | Apply | |||||
| Ally Money Market | 3.30% | 3.30% | Apply | |||||
| American Express | 3.30% | 3.30% | Apply | |||||
| CapitalOne | 3.30% | 3.30% | Apply | |||||
| Public | 3.30% | 3.30% | Apply | |||||
| Citi | 3.30% | 3.30% | $500 | Apply | ||||
 |
3.30% | 1.00% | $1 | Yes | Apply | |||
| UFB High Yield | 3.26% | 3.26% | No | Apply | ||||
| BMO Alto | 3.25% | 3.25% | Apply | |||||
| VirtualBank eMoney Market | 3.25% | 3.25% | Apply | |||||
 |
3.25% | 3.25% | $1 | Yes | Apply | |||
| Betterment | 3.25% | 3.25% | $10 | Apply | ||||
| Western State | 3.25% | 3.25% | $5,000 | $0 | $10,000,000 | Apply | ||
 |
3.25% | 1.50% | $300 | Apply | ||||
| BankPurely | 3.24% | 3.24% | $25,000 | $25,000 | Apply | |||
| iGObanking | 3.24% | 3.24% | $25,000 | $25,000 | Apply | |||
| Affirm | 3.20% | 3.20% | Apply | |||||
| Citizens Access | 3.15% | 3.15% | $5,000 | $5,000 | Apply | |||
| Ameriprise | 3.05% | 3.05% | $100 | Apply | ||||
 Upgrade Performance |
3.05% | 1.50% | $1,000 | Apply | ||||
| Emigrant Direct | 3.00% | 3.00% | No | Apply | ||||
| Empower Personal Cash | 3.00% | 3.00% | Apply | |||||
| NBKC | 3.00% | 3.00% | $0 | Apply | ||||
| ConnectOne | 3.00% | 3.00% | $2,500 | Apply | ||||
| FNBO Direct | 3.00% | 3.00% | $1 | $1,000,000 | Apply | |||
| North American Savings High Rate | 3.00% | 3.00% | $1 | $0 | $1,499,999 | Apply | ||
| Patriot | 3.00% | 3.00% | $100 | $500,000 | Apply | |||
 |
3.00% | 0.00% | $500 | $250,000 | Yes | Apply | ||
| Lake Ridge High Yield | 2.98% | 2.98% | $10,000 | Apply | ||||
| All America Super Savers MMDA | 2.75% | 2.75% | $2,500 | $100,000 | Apply | |||
| Credit Karma | 2.60% | 2.60% | Apply | |||||
| Northpointe Ultimate Money Market | 2.55% | 2.55% | $100 | $25,000 | $3,000,000 | Apply | ||
| T-Mobile | 2.50% | 2.50% | Yes | Apply | ||||
| Third Federal Online | 2.50% | 2.50% | $5,000 | $5,000 | Apply | |||
| Amalgamated | 1.05% | 1.05% | $100 | Apply | ||||
 |
1.00% | 0.00% | $1 | $25,000 | Apply | |||
| Poppy Premier Online | 0.50% | 0.50% | $1,000 | 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.