Compare the Best High-Yield Savings Account Rates Today
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current national savings rates include First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24% offering SuperSaver Savings at 10.47% APY, SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 6.72% offering Brilliant Kids Savings at 10.38% APY, ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78% offering High Yield Savings at 10.00% APY, Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 4.88% offering Even-Up Share* at 10.00% APY, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.11% offering Round Up Savings Account at 10.00% APY. Savings rates as of according to verified data from MonitorBankRates.
Online savings accounts have revolutionized personal banking by offering interest rates that significantly outperform traditional brick-and-mortar banks. Without the overhead of physical branches, online banks pass these savings directly to you in the form of higher APYs and lower fees. Whether you’re building an emergency fund or saving for a major purchase, a high-yield savings account is one of the safest ways to grow your money faster.
Savings rates reflect recent market quotes and representative offers available to depositors nationwide. Savings Rates Last Updated and Verified: May 23, 2026
Current National High-Yield Savings Account Rates
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
Twin Falls, ID
SuperSaver Savings
10.47%
$0
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $500.00
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 6.72%
Waldorf, MD
Brilliant Kids Savings
10.38%
$0
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Special rate offer applies only to the first $1,000 through the child's 18th birthday.
ORSA Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
PLYMOUTH, MI
High Yield Savings
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Gainesville, FL
Even-Up Share*
10.00%
$0
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Avestar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Waterloo, WI
Round Up Savings Account
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
Panama City, FL
Rising Tide Youth Share
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Balance: $5 - $1,000
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
Saint Louis, MO
SMART Savings
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $1,000.00
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Fenton, MO
Star Student Savings Club
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
Columbus, OH
Owner Rewards Savings
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
SAINT LOUIS, MO
Youth savings
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
West Jordan, UT
Dream Round Up Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Maspeth, NY
Teen Savings
10.00%
$0
▼
Rate9.57%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $6000.00
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Lowell, MA
Savings Club for Kids
8.00%
$0
▼
Rate8.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Lowell, MA
Savings Account
8.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Baytown, TX
CoRe Ownership Savings
8.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
Green Bay, WI
Reward Savings
7.50%
$0
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Qualifying balance up to $500.00
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Chelsea, AL
Centsible Savings2
7.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1000.00
Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.49%
Marshfield, WI
Youth and Young Adult Savings
7.00%
$0
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2,500.00
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Bellingham, WA
First Step (Youth) Savings
7.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $500
Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
Beavercreek, OH
Enhanced Health Savings Account (HSA)
7.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
Rate7.00%
Min Deposit$5
Min Balance—
UpdatedMay 17, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Torrance, CA
Summer Safeguard Savings
6.60%
$0
▼
Rate6.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
West Chester, OH
Ohio Homebuyer Plus Savings
6.25%
$0
▼
Rate6.08%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
Columbus, OH
Ohio Homebuyer Plus Savings Account
6.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$500 - $10,000
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Gahanna, OH
Ohio Homebuyer Plus Savings Account
6.25%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
KEMBA Advantage APY
The Wilmington Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.74%
Wilmington, OH
Ohio Homebuyer Plus Savings Account
6.18%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
$500 bonus at account opening
F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
MONTEREY PARK, CA
Youth Savings
6.18%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Miamisburg, OH
Super Saver Savings
6.17%
$500
▼
Rate6.00%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Buffalo, NY
Youth Savings Account
6.17%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $10,000.00
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Miamisburg, OH
Sweet Savings Youth Account Tier 1
6.17%
$0
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
SEATAC, WA
Youth Savings
6.14%
$0
▼
Rate6.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$5 to $500
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
Longview, WA
Round Up Savings
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
1st National Bank OH
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
Lebanon, OH
Ohio Homebuyer Plus Savings Account
6.00%
$500
▼
Rate5.83%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $25,000.00
Rate5.87%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $5,000.00
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Rancho Cucamonga, CA
Summer Savings Club
6.00%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 23, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Huntington, IN
Business Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Huntington, IN
Ownership Share
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Huntington, IN
Ownership Share and Business Ownership Share
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Wharton, TX
IRA Shares
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $20,000.00
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Long Beach, CA
Summer Savings Accounts
6.00%
$0
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Arcadia, CA
Summertime Savings for School Employees
6.00%
$0
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Bellingham, WA
Stash (Emergency) Savings
6.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2500
People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vancouver, WA
Loyalty Savings
6.00%
$100
▼
Rate5.87%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $750.00
TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
Cincinnati, OH
SmartStart Savings
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2000.00
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 66.75%
Dayton, NV
I Can Save Emergency Savings
6.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00
Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Littleton, CO
Reverse Tier Savings
5.75%
$0
▼
Rate5.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Arvada, CO
Power Savings
5.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $1,000.00
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Arvada, CO
Power Up Your Savings
5.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $1,000.00
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
West Chester, OH
Ohio Homebuyer Plus Savings
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Oregon Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.17%
Eugene, OR
Ignite Savings
5.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $500.00
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Lenexa, KS
Emergency Savings
5.25%
$0
▼
Rate5.15%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$0-$1,000
Chadron Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.10%
Chadron, NE
Kids Club Savings
5.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
High interest-bearing account; Qualifying balance up to $500.00
MyUSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Middletown, OH
Student Savings
5.13%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
(ages 0-17 or older with current Student ID)
Union Savings Bank (CT)
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Litchfield, CT
GoalGetter Checking and Savings
5.12%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Alpena, MI
Health Savings Account
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
Fort Atkinson, WI
TBD Savings - 1,000
5.12%
$5
▼
Rate5.00%
Min Deposit$5
Min Balance—
UpdatedMay 23, 2026
Details
$0; Qualifying balance up to $1,000.00
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Auburn Hills, MI
High Yield Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $500.00
Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Louisville, KY
Accumulation Share
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Windsor, CT
Student Savings Account
5.12%
$10
▼
Rate5.00%
Min Deposit$10
Min Balance—
UpdatedMay 17, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Billings, MT
Youth Savings
5.12%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Liberty Lake, WA
First5 Savings
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Balances above $500 earn 0.25% APY.
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Grand Forks, ND
Savings Account
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
Temple Terrace, FL
Youth Share
5.10%
$5
▼
Rate4.99%
Min Deposit$5
Min Balance—
UpdatedMay 22, 2026
Details
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 10.26%
Montgomery, AL
Round-Up Savings
5.10%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Torrington, CT
Youth Savings
5.09%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Mineola, NY
Youth/Teen/Milestone Savings
5.09%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
Planters First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Cordele, GA
Planters Super Savings
5.09%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Must have a Planters Round Up Checking Account
Montgomery Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Sikeston, MO
Kid's Club Savings
5.01%
$0
▼
Rate4.92%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Fort Leonard Wood, MO
Hero Savings
5.01%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $15,000.00
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Fort Leonard Wood, MO
High-Rate Savings
5.01%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $10,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Saint Louis, MO
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $5,000.00
Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Draper, UT
High-Yield Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; End the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
West Jordan, UT
Teen Learn & Earn Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
Peoples Bank Cuba, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Cuba, MO
Super Saver Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
For ages 12 & under with 5% APY ; Includes a superhero cape and mask
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
Honolulu, HI
Kids Club Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
San Jose, CA
Go Savings
5.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2,500.00
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Salt Lake City, UT
Tier 1 YoungInvestor Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
East Lansing, MI
Savings Builder - Tier 1
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Saint Louis, MO
Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
MidCountry Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
Sanborn, MN
SmartStart Savings4Me
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $5,000.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
San Dimas, CA
Business Savings & Money Market
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Spokane, WA
NexGen Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
San Dimas, CA
Ministry Savings & Money Market
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Grandville, MI
Navigator Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Bronx, NY
Apple Bank SmartStart Savings Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $10,000.00
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Lakeland, FL
High Five Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2,000.00
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
Jackson, TN
Share Savings Account
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMay 23, 2026
Details
$0.00 - $4,999.99
Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Dedham, MA
Start Up Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
Bedford, NH
Primary Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $500.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Port Townsend, WA
Business Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $5,000.00
Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
San Dimas, CA
Savings & Money Market
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Bronx, NY
SmartStart Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
For ages up to 25. On balances up to $10,000.
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Allegan, MI
AMPED SAVINGS
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Bronx, NY
SmartStart Savings for Teens
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $10,000.00
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Bronx, NY
SmartStart Savings for Young Adults
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $10,000.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Port Townsend, WA
Optimum Savings
5.00%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Relationship Required; Qualifying balance up to $5,000.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Catskill, NY
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $500.00
1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Port Townsend, WA
Optimum Student Savings
5.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details
Must be opened at a branch
NET
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Olyphant, PA
Checking Plus: Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Catskill, NY
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $500.00
NET
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
Olyphant, PA
Digital Checking: Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Suitland, MD
Online Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Montclair, CA
Regular/Special Share Savings Accounts Tier I
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $5,000.00
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Watertown, NY
NEXT eSavings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
SOLIDARITY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 2.06%
Kokomo, IN
RevUp Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2,500.00
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
Frankfort, KY
Round UP Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Seattle, WA
Youth Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Seattle, WA
Youth Savings Accounts
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $500.00
Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
Everett, WA
Super Youth Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $750
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Catskill, NY
Student e-Next Generation Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $100.00
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Los Alamos, NM
Your Savings, Superpowered
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
Belpre, OH
Youth Savings (Prime Savers)
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Qualifying balance up to $1,000.00
CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 5.54%
Cincinnati, OH
Youth Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Manhattan Beach, CA
High Yield Savings
5.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $499.99
I3 Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
Bennington, NE
SuperSaver Kids Club Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Manhattan Beach, CA
High Yield Savings (Personal)
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Cheyenne, WY
Accelerated Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Up to
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Fairmont, WV
Youth Savings Challenge Club
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $500.00
Cape Cod Five Cents Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Hyannis, MA
SaveUp Companion Savings*
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $9,999.99
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Fairmont, WV
Youth Savings Challenge Club Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $500.00
Focus First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Rochester, NY
Companion Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
1% Unlimited Cash Back; 1.00% APY on Checking Balance; No Minimum Balance; No Monthly Relationship Fee
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Newport News, VA
Fast Start Savings
5.00%
$5
▼
Rate4.91%
Min Deposit$5
Min Balance—
UpdatedMay 23, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Garden Grove, CA
Next Gen Savings
5.00%
$5
▼
Rate5.00%
Min Deposit$5
Min Balance—
UpdatedMay 23, 2026
Details
Qualifying balance up to $5000
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Gatesville, TX
First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $5,000.00
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
Kailua Kona, HI
Rewards Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
Battle Creek, MI
Amped Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
Lees Summit, MO
Grow Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Portland, OR
Rewards Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Full Balance
First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
Cedar Rapids, IA
Kids First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $500.00
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Rochester, NY
Companion Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
Everence Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Goshen, IN
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Newtown, CT
Great Start Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Hollywood, CA
First500 Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 7.09%
Lexington, MA
Starter Savings
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $2,000.00
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Richland, WA
Explorer Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On the first $0 - $500 balance.?
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Richland, WA
Explorer Youth Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $500.00
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
Melville, NY
Smarts Starts Early Youth Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
UP TO AGE 21
West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
Hopkins, MN
Holiday Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
max $300 deposit per month
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
Apopka, FL
Emergency Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $1,000.00
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Eugene, OR
Cultivate High-Yield Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
Bay Shore, NY
Student Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Balances $0.00 - $1,000.00
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Bridgeport, CT
Jump Start Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
ARLINGTON, TX
Youth Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$0.01-$499.99
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Catskill, NY
e-BUSINESS SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $500.00
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
SAGINAW, MI
Emergency Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Catskill, NY
e-SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $500.00
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
Oceanside, NY
Youth & Young Adult Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Richland, WA
SmartPlus Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
On your first qualified $500 in balances.
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
Chatsworth, CA
Youth Smart Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Eugene, OR
Vault Youth Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $500.00
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Centreville, VA
Coverdell Education Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Catskill, NY
STUDENT e-NEXT GENERATION SAVINGS
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $100.00
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
Saint Petersburg, FL
Cash Kids Club Savings
4.83%
$10
▼
Rate4.72%
Min Deposit$10
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $500.00
Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Arlington, MA
Zeugma Plus Savings
4.75%
$0
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $250,000.00
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Middlebury, CT
Head Start Savings
4.60%
$0
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $1,000.00
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 11.31%
Virginia Beach, VA
Smart Steps Savings
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
APY as high as
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.71%
Tampa, FL
High Yield Savings Account
4.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Moline, IL
Digital Advantage Savings account
4.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Grand Rapids SB
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Grand Rapids, MN
Education Savings
4.33%
$0
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ultima Bank Minnesota
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Winger, MN
SMART Savings
4.32%
$0
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings Account
4.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FOR HOLDING A SAVINGS AND A CHECKING ACCOUNT*
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Ultra Savings
4.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
12,500+ AVG DAILYSTEPS
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Ultra Savings Rate
4.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
12,500+ AVG DAILYSTEPS
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
ULTRA SAVINGS RATE W/ CHECKING ACCOUNT
4.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Elite qualifications
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Knoxville, TN
Educational Savings Plan
4.28%
$0
▼
Rate4.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. APY effective as of May 2026.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Miamisburg, OH
Cap & Gown College Savings Age 0 - 8
4.27%
$0
▼
Rate4.19%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
West Chester, OH
Ohio Homebuyer Plus Savings
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
New York, NY
Money Market Accounts & High Yield Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Grandville, MI
Navigator Savings
4.25%
$0
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Arcadia, WI
Christmas Club Share
4.25%
$0
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Moline, IL
Elite Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings w/Checking
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
12,500+ AVG DAILYSTEPS
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings W/Checking Rate
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
12,500+ AVG DAILYSTEPS
Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
SAVINGS W/ELITE CHK RATE
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Pitney Bowes Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
Salt Lake City, UT
Business Savings Account
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Standard Rate*
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
San Jose, CA
Savings
4.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Miami, FL
Personal High Yield Savings
4.20%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
New Hartford, NY
IRA Variable Savings
4.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Clarence, MO
Neighbors Savings
4.10%
$0
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $250,000.00
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Jefferson City, MO
IRA Savings
4.10%
$0
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
***
Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
New Orleans, LA
Youth & Teen Savings
4.09%
$5
▼
Rate4.00%
Min Deposit$5
Min Balance—
UpdatedMay 23, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Bloomington, IL
Electronic Share Accounts
4.08%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Bloomington, IL
IRA Savings Accounts
4.08%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Bloomington, IL
Share Savings
4.08%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Bloomington, IL
Share Savings Accounts
4.08%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Sleepy Eye, MN
EzMoney Savings
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Sleepy Eye, MN
EzMoney Savings+
4.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Princeton, NJ
Healthy Savings
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Lowell Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Lowell, MA
Tiered Savings Account
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Seattle, WA
High-Yield Savings Account
4.07%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Drake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Saint Paul, MN
Little Drake Savings
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $1,000.00
AVB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Broken Arrow, OK
Wise Savings
4.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
*Wise Checking required to open a Wise Savings account.
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Roslyn, NY
Savings and Investment Accounts
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Kent, WA
Youth Savings
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Nashville, TN
Kickstart Kids Savings Acct1
4.06%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
Kahuku, HI
Christmas Club Savings
4.06%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Huntsville, AL
Brighter Day Savings Account
4.06%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $2,500.00
Evermore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Fort Lauderdale, FL
High-Yield Senior Savings Account
4.05%
$100
▼
Rate3.98%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Mutual Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
SHELTON, CT
Bridgeport Community Savings Challenge
4.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
High-Yield Savings Account
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Knoxville, TN
Educational Savings Plan
4.02%
$0
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. APY effective as of May 2026.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min. Balance” indicates the minimum amount required to earn the stated APY. Please note that some offers presented may be from advertisers who provide compensation for their inclusion; however, advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
National Savings Rate Trends
Weekly national average APYs across savings account types — compiled from 8,500+ banks & credit unions, updated nightly.
High-Yield Savings — National Avg
2.012%
▼ 0.070 from last week
National high-yield savings rates fell 0.070 points this week to 2.012%, down from 2.082% last week.
Standard Savings — National Avg
0.787%
▼ 0.006 from last week
National standard savings rates fell 0.006 points this week to 0.787%, down from 0.793% last week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
As of May 26, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions
View Full Savings Trends
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from institutions’ own digital properties and manually verifying yields daily, every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield national online banks available to savers in all 50 states.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency into when that specific rate was confirmed.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly. Always check with the specific financial institution’s official website for the most current offers and terms. Last Updated and Verified: May 23, 2026
Frequently Asked Questions about High-Yield Savings Accounts
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at traditional banks. Without the overhead of physical branches, online banks pass savings directly to you through higher APYs and lower fees.
Is my money safe in an online savings account?
Yes. Legitimate online banks are FDIC insured up to $250,000 per depositor, just like traditional banks. Credit unions are similarly insured by the NCUA, providing the same federal protection for your deposits.
Savings Account vs. Certificate of Deposit (CD)?
Savings accounts offer full liquidity you can withdraw funds at any time. CDs lock your money for a fixed term (e.g., 6 months, 1 year) in exchange for a guaranteed fixed rate. If you don't need immediate access, CDs can offer higher yields.
How often do savings rates change?
Savings account rates are variable and can change at any time based on Federal Reserve decisions and broader market conditions. We update our national rate tables daily so you always see the most current offers.
Do I have to pay taxes on interest earned?
Yes. Interest earned on savings accounts is considered taxable income by the IRS. Banks typically issue a Form 1099-INT if you earn more than $10 in interest in a calendar year.
Are online banks better than local banks for savings?
Online banks often offer significantly higher rates because they have lower overhead costs with no physical branches. However, local banks provide in-person service and may be more convenient for certain transactions. The best choice depends on your priorities.
How do I open an online savings account?
Most online savings accounts can be opened in minutes. You will generally need a government-issued photo ID, your Social Security number, and funds for an initial deposit.
What are the best High-Yield Savings rates nationally right now?
Here are some of the highest savings account APYs currently available nationally:
- First FSB of Twin Falls
SuperSaver Savings — 10.47% APY - SPECTRA
Brilliant Kids Savings — 10.38% APY - ORSA Credit Union
High Yield Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY - Avestar Credit Union
Round Up Savings Account — 10.00% APY
Rates subject to change. Last Updated: May 23, 2026
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