United Central Bank is offering several different types of savings accounts and a money market account. The best interest rate is on the Global Money Market Account. For MMA account balances of $1,000,000 and above the annual percentage yield (APY) is 2.25%.

The highest savings account rate and yield at UCB is on their Premium Unique Savings Account. The current interest rate is 0.59% with an APY of .060%. The minimum opening balance is $500. Interest is credited to the account quarterly.

Current Global Money Market Account Yields:

• $ 1,000,000.00 & above  2.25% APY
• $500,000.00 – $999,999.99 1.65% APY
• $300,000.00 – $499,999.99 1.50% APY
• $150,000.00 – $299,999.99 1.40% APY
• $75,000.00 – $149,999.99 1.35% APY
• $5,000 minimum – $74,999.99 1.21% APY
• Below $5,000  0.12% APY

Current Savings Account Yields:

• Unique Savings
  $500 to open 0.40% APY
• Premium Unique Savings
  $1000 to open 0.60% APY
• Traditional Savings
  $100 to open 0.35% APY
• Youth Savings (Minor Savings Account)
  $0.01 to open 0.40% APY

United Central Bank has bank has branches in New York, New Jersey, Texas and Illinois. For more information on United Central Bank Savings Accounts and MMAs visit: United Central Banking.

Tinker Federal Credit Union (FCU) of Oklahoma City, Oklahoma is offering savings account rates that are some of the highest savings account rates available today for large savings account balances (jumbo savings account).

The high yield savings accounts are their Premium Plus Share Savings accounts. Tinker’s best savings account rate (dividend rate) is for balances of $250,000 and up. The current savings rate is 1.83% with an APY of 1.85%.

The Premium Plus Share dividend rates are tiered, the larger the account balance the higher the interest rate and yield you receive. Savings Account balances under $10,000 only earn a savings rate of .50% and an APY of .50%.

Current Premium Plus Savings Rates and APY:

• Balance of $250,000 and over Rate 1.83% APY 1.85%
• Balance of $200,000 to $249,999 Rate 1.74% APY 1.75%
• Balance of $150,000 to $199,999 Rate 1.64% APY 1.65%
• Balance of $100,000 to $149,999 Rate 1.54% APY 1.55%
• Balance of $75,000.00 to $99,999.99 Rate 1.44% APY 1.45%
• Balance of $50,000.00 to $74,999.99 Rate 1.34% APY 1.35%
• Balance of $25,000.00 to $49,999.99 Rate 1.24 APY 1.25%
• Balance of $10,000.00 to $24,999.99 Rate 1.14% APY 1.15%
• Balance up to $9,999.99 Rate .50% APY.50%

The minimum opening balance is $10,000. Accounts are insured by the The National Credit Union Administration (NCUA) for up to $250,000.

You will have to join Tinker Federal Credit Union to open a share certificate account. For more information on joining visit: TinkerFCU.org.

Navy Federal Credit Union is offering several different types of savings accounts including a Money Market Savings Account, Share Savings Account, Jumbo Share Savings Account, Custodial Savings Account, Custom Club Savings Account and an Education Savings Account (ESA).

To join Navy Federal Credit Union you have to open a Share Savings Account. The minimum deposit is only $5.00 and there are no monthly fees with the savings account. The Share Savings Account rate isn’t the best savings rate around but it’s competitive with the national average savings rate. The current savings rate is 0.40 percent with an annual percentage yield of 0.40 percent.

The credit union’s jumbo share money market savings account has a higher savings rate. The current rate is 1.39 percent with an annual percentage yield of 1.40 percent for account balances of $100,000 or more. That rate beats most high yield savings account rates these days.

Custodial Savings Account

This is a savings account that administers your gift money to a minor with potential tax savings. You save on taxes because a portion of the savings account dividends are taxed at the minor’s lower rate. The minor cannot withdraw the money until reaching the age you determine (usually 18 or 21). To start a custodial savings account call Navy FCU at 1-888-842-NFCU (6328).

Custom Club Savings Account

With a Custom Club Savings Account current has a savings rate of 0.75 percent and an APY of .075 percent. With a club savings account you can save money specifically for a vacation, new car or for holiday gifts at the end of the year for Christmas or any other holiday. The minimum opening deposit is only $5. Dividends are compounded daily giving the account a higher annual percentage rate.

Education Savings Account (ESA)

An ESA is just like a  share savings account and there is no minimum or maximum deposit required. There are no early withdrawal penalties and you can add funds into the account at anytime. There is a maximum allowed amount of $2,000 per year.

For current savings account rates and money market savings account rates visit the credit union at: Navy Federal FCU Savings Account Rates.

Emigrant Direct, the online banking division of Emigrant Bank, is offering an online savings account that has a competitive interest rate. The bank’s “American Dream Savings Account“ has a current savings rate of 1.09 percent and an annual percentage yield of 1.10 percent. That rate is more than double the national average savings account rate.

The bank’s online savings account has the following features:

• No savings account fees.
• Mininum opening deposit of $1,000.
• No minimums.
• You can open a high interest savings account online.
• You can access your high yield savings account 24/7 at EmigrantDirect.com.

The Bank’s online savings account requirements:

• You are at least 18 years old.
• Have a valid tax identification number. 
• Have a legal US address. 
• Have a personal checking account in a US bank.

In addition to the online savings account EmigrantDirect.com also offers several different certificate of deposit accounts with very competitive rates.

For more information on EmigrantDirect’s savings account and certificates of deposit accounts visit: EmigrantDirect.com.

Champion Bank of St. Louis, Missouri, offers several different types of savings accounts including a Regular Savings account, Junior Champions Savings account and a Business Savings account.

The savings account rates for all three accounts is currently at .89 percent with an annual percentage yield (APY) of .90 percent. While the savings rate isn’t the highest savings rate around it’s still more than double the national average rate.

Looking for savings account rates and MMA rates? Use our rate tables to find the highest rates in your area. SavingsAccount.MonitorBankRates.com

The minimum opening deposit for the Regular Savings Account and Business Savings Account is $100. The minimum opening deposit for the Junior Champions Savings Account is only $25.00

The bank is also offering three Money Market Checking Accounts that have the following tiered rates:

• 0.50% rate 0.50% APY balance of $0.01
• 0.74% rate 0.75% APY balance of $2,500
• 0.99% rate 1.00% APY balance of $10,000
• 1.24% rate 1.25% APY balance of $25,000

For more information on Champion Bank’s Savings account and Money Market Checking accounts visit. Champion Bank.

Apple Bank for Savings, headquartered in New York, New York, is offering a savings account that currently has the highest account rate on our savings account/money market account rate table for account balances starting at $10,000.

The bank’s current savings account rate is 1.74% with an annual percentage yield of 1.75%. The minimum opening account balance is $10,000. The rate and yield is more than four times the national average savings account/MMA rate of 0.41% for balance of $10,000 or more.

Apple Bank for Savings has been around since the Civil War and started as Harlem Savings Bank, which was originally chartered in 1863. The bank says it’s “one of the most conservatively managed and strongest banks in the nation.”

All deposit accounts are insured by the Federal Deposit Insurance Corporation for up to $250,000.  For more information on the bank’s savings account visit Apple Bank for Savings or call 1-914-902-APPLe  for current savings rates.

Alabama Credit Union (ACU) has several different savings account rates and money market account rates. The credit union’s best rate is on their Daily Money Market Account Rate for account balances of $100,000 or more. The current rate is 1.50 percent with an annual percentage yield (APY) of 1.51 percent.

Here is current list of Daily Money Market account rates and yields:

• Daily MMA $2,500 to $9,999 earn a 1.00% rate and 1.01% APY
• Daily MMA $10,000 to $24,999 earn a 1.00% rate and 1.01% APY
• Daily MMA $25,000 to $49,999 earn a 1.25% rate and 1.26% APY
• Daily MMA $50,000 to $99,999 earn a 1.25% rate and 1.26% APY
• Daily MMA $100,000 and up earn a 1.50% rate and 1.51% APY

Here is a current list of savings account rates and yields. The minimum savings deposit-to-earn rate and APY is $25.00:

• Share Savings Account 0.65% rate 0.66% APY
• Special Savings Account 0.65% rate 0.66% APY
• Organizational Savings Account 0.65% rate 0.66% APY
• Student Organizational Savings Account 0.65% rate 0.66% APY
• Holiday Club Account 0.65% rate 0.66% APY
• Vacation Club Account 0.65% rate 0.66% APY
• IRA Savings Account 0.65% rate 0.66% APY

All MMA accounts and savings accounts are insured for up to $250,000 by the National Credit Union Administration and additionally insured to $250,000 by American Share Insurance. IRAs are separately insured up to $500,000 per member.

Visit Alabama Credit Union for current rates.

Here is a list of the top 10 online savings account rates and money market account rates on our rate tables:

1. Bank of Internet USA 1.50% APY Min $100
2. BancorpSouth  1.50% APY Min $1 1.50% APY Min $ 1 Transfer at least $50 (total) into this account via ACH or Internet Banking, also combine Performance Savings and Performance Checking account statements into one statement. Balances over $30K get Non bonus Performance Savings rate 0.15% APY
3. Capital One Direct Banking 1.40% APY Min $2500 10% bonus on interest earned
4. Nationwide Bank 1.35% APY Min $2000
5. Discover Bank 1.35% APY Min $500
6. American Express Bank FSB 1.30% APY Min $0
7. Ally Bank 1.30% APY Min $1
8. Giantbank.com 1.26% APY Min $1000
9. EverBank 1.26% APY Min $1
10. FNBO DIRECT 1.25% APY Min $1

Search our savings rate/money market rate tables to find the best rates in your area. SavingsAccount.MonitorBankRates.com

Capital One is offering a savings account that currently has a rate of 1.39 percent and an annual percentage yield of 1.40 percent. The interest rate isn’t the highest savings rate around but still beats the national average rate.  The minimum balance to earn the 1.40 APY is $2,500.

Capital One Direct Banking, which is the online banking arm of Capital One, is also offering a 10 percent savings bonus on the interest earned on the account.  If you earn $100 in interest for a quarter the bonus comes to an additional $10.

Requirements for the 10% Bonus:

To receive the bonus you must either maintain an average monthly balance of at least $15,000 every month of the previous quarter, or you must be an owner of an active Capital One Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month.

Capital One Bank is also advertising a high yield money market account that currenlty has an APY of 1.10%, a Rewards Money Market account with an APY of 1.01 percent and a business money market account with an APY of 1.01 percent.

For more information on Capital One Bank’s Savings Account visit: Capital One.