web statistics

Best Savings Rates

| Search for the Best Savings Rates from Banks and Credit Unions
Use our savings rates list below to search for and compare the best savings rates from banks and credit unions. Our list of savings account rates are the highest savings rates around from both local banks and credit unions. We also list the best savings rates from national banks. There is no need to search for savings rates elsewhere since we maintain the best list of rates.
Account Type
Search Type
Sort By
 
Institution
APY
Rate
Min. Deposit
Comments
EverBank

★★★  (3 out of 5)100
1.11% MMA with EverBank
1.110%
05/02/2016
0.610%
$1,500.00
Earn a top 5% yield- always! Open an Account today. FDIC insured. 
Dime Savings Bank of Williamsburgh

★★★★  (4 out of 5)100
1.1% MMA with Dime Savings Bank of Williamsburgh
1.100%
05/02/2016
1.090%
$1,000.00
Easy to open and manage. FDIC-insured. 
Northeast Bank

★★★★  (4 out of 5)100
1.1% MMA with Northeast Bank
1.100%
05/02/2016
1.090%
$5,000.00
 
Sallie Mae

★★★★★  (5 out of 5)100
1.05% MMA with Sallie Mae
1.050%
05/02/2016
0.900%
$0.00
Easy Access to Your Funds. FDIC-insured. 
Barclays

★★★★★  (5 out of 5)100
1% Savings with Barclays
1.000%
05/02/2016
1.000%
$0.00
No Minimum Balance. No Monthly Maintenance Fees. FDIC Insured. 
First National Bank of Omaha

★★★★  (4 out of 5)100
0.95% Savings with First National Bank of Omaha
0.950%
05/02/2016
0.950%
$1.00
Cashback savings where you shop with MyDeals on your check card 
CIT Bank

★★★★★  (5 out of 5)100
0.9% Savings with CIT Bank
0.900%
05/02/2016
0.900%
$100.00
Premium savings. Maximum returns. Member FDIC. 
Mutual of Omaha Bank

★★★★  (4 out of 5)100
0.85% MMA with Mutual of Omaha Bank
0.850%
05/02/2016
0.850%
$1,000.00
Easy to open, easy to fund, easy to manage. Open an account now. 
Fultdirect.com

★★★★  (4 out of 5)100
0.1% MMA with Fultdirect.com
0.100%
05/02/2016
0.100%
$10,000.00
 
Silvergate Bank

★★★★  (4 out of 5)100
1.11% MMA with Silvergate Bank
1.110%
05/02/2016
1.100%
$10,000.00
 
iGObanking.com

★★★  (3 out of 5)100
1.1% MMA with iGObanking.com
1.100%
05/02/2016
1.090%
$25,000.00
12 month CD 1.25% APY*,FDIC insured, open online or by mail. 
AloStar Bank of Commerce

★★★★★  (5 out of 5)100
1.05% Savings with AloStar Bank of Commerce
1.050%
05/02/2016
1.040%
$50.00
 
My Savings Direct

★★★★  (4 out of 5)100
1% Savings with My Savings Direct
1.000%
05/02/2016
1.000%
$1.00
No Fees! No Minimums! 
Pacific National Bank

★★★★  (4 out of 5)100
1% MMA with Pacific National Bank
1.000%
05/02/2016
1.000%
$100.00
 
ableBanking, a division of Northeast Bank

★★★★  (4 out of 5)100
1% MMA with ableBanking, a division of Northeast Bank
1.000%
05/02/2016
1.000%
$250.00
$25 New Customer Gift to give to charity (501c3). FDIC insured. 
iGObanking.com

★★★  (3 out of 5)100
1% Savings with iGObanking.com
1.000%
05/02/2016
1.000%
$1.00
12 month CD 1.25% APY*,FDIC insured, open online or by mail. 
Discover Bank

★★★★★  (5 out of 5)100
0.95% Savings with Discover Bank
0.950%
05/02/2016
0.950%
$500.00
Grow your savings faster with a rate 5x the National Savings Avg* 
Pacific National Bank

★★★★  (4 out of 5)100
0.9% Savings with Pacific National Bank
0.900%
05/02/2016
0.900%
$100.00
 
Colorado Federal Savings Bank

★★★  (3 out of 5)100
0.85% Savings with Colorado Federal Savings Bank
0.850%
05/02/2016
0.850%
$2,500.00
 
EH National Bank

★★  (2 out of 5)100
0.81% Savings with EH National Bank
0.810%
05/02/2016
0.810%
$1,000.00
 
Discover Bank

★★★★★  (5 out of 5)100
0.8% MMA with Discover Bank
0.800%
05/02/2016
0.800%
$2,500.00
Easy cash access and always great rates. Open an account today! 
EH National Bank

★★  (2 out of 5)100
0.8% MMA with EH National Bank
0.800%
05/02/2016
0.800%
$1,000.00
 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
0.8% MMA with First Internet Bank of Indiana
0.800%
05/02/2016
0.800%
$100.00
 
Capital One 360

★★★★★  (5 out of 5)100
0.75% Savings with Capital One 360
0.750%
05/02/2016
0.750%
$0.00
 
Capital One 360

★★★★★  (5 out of 5)100
0.75% Savings with Capital One 360
0.750%
05/02/2016
0.750%
$1.00
The 360 Savings(r) account: A great rate and up to a $500 bonus. 
VirtualBank

★★★★  (4 out of 5)100
0.65% MMA with VirtualBank
0.650%
05/02/2016
0.650%
$100.00
FDIC Insured 
First Internet Bank of Indiana

★★★★  (4 out of 5)100
0.6% Savings with First Internet Bank of Indiana
0.600%
05/02/2016
0.600%
$100.00
 
AloStar Bank of Commerce

★★★★★  (5 out of 5)100
0.5% MMA with AloStar Bank of Commerce
0.500%
05/02/2016
0.500%
$1,000.00
 
giantbank.com

★★★★  (4 out of 5)100
0.45% MMA with giantbank.com
0.450%
05/02/2016
0.450%
$1,000.00
 
State Farm Bank

★★★★  (4 out of 5)100
0.3% MMA with State Farm Bank
0.300%
05/02/2016
0.300%
$1,000.00
 
Goldwater Bank

★★★  (3 out of 5)100
0.26% MMA with Goldwater Bank
0.260%
05/02/2016
0.260%
$1,000.00
 
Third Federal Savings and Loan

★★★★  (4 out of 5)100
0.2% Savings with Third Federal Savings and Loan
0.200%
05/02/2016
0.200%
$25,000.00
 
NewDominion Bank

★★  (2 out of 5)100
0.15% MMA with NewDominion Bank
0.150%
05/02/2016
0.150%
$500.00
Achieve Rapid Growth Results w/Our Rates! Open Online-Member FDIC 
5 Star Bank

★★★★  (4 out of 5)100
0.1% MMA with 5 Star Bank
0.100%
05/02/2016
0.100%
$1,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.1% Savings with Applied Bank
0.100%
05/02/2016
0.100%
$100.00
 
State Farm Bank

★★★★  (4 out of 5)100
0.1% Savings with State Farm Bank
0.100%
05/02/2016
0.100%
$100.00
 
Astoria Bank

★★★  (3 out of 5)100
0.05% Savings with Astoria Bank
0.050%
05/02/2016
0.050%
$500.00
 
Astoria Bank

★★★  (3 out of 5)100
0.05% MMA with Astoria Bank
0.050%
05/02/2016
0.050%
$2,500.00
 
BBVA Compass

★★★★  (4 out of 5)100
0.05% MMA with BBVA Compass
0.050%
05/02/2016
0.050%
$25.00
 
Citizens Trust Bank

★★★  (3 out of 5)100
0.05% MMA with Citizens Trust Bank
0.050%
05/02/2016
0.050%
$100.00
 
Citizens Trust Bank

★★★  (3 out of 5)100
0.05% Savings with Citizens Trust Bank
0.050%
05/02/2016
0.050%
$1,000.00
 
USAA

★★★★★  (5 out of 5)100
0.05% Savings with USAA
0.050%
05/02/2016
0.050%
$25.00
 
USAA

★★★★★  (5 out of 5)100
0.05% MMA with USAA
0.050%
05/02/2016
0.050%
$10,000.00
 
Applied Bank

★★★★★  (5 out of 5)100
0.02% MMA with Applied Bank
0.020%
05/02/2016
0.020%
$500.00
 
Goldman Sachs Bank USA

★★★★★  (5 out of 5)100
1.05% Savings with Goldman Sachs Bank USA
1.050%
04/29/2016
1.040%
$0.00
 
American Bank

★★★★  (4 out of 5)100
0.1% Savings with American Bank
0.100%
04/28/2016
0.100%
$100.00
 
American Bank

★★★★  (4 out of 5)100
0.1% MMA with American Bank
0.100%
04/28/2016
0.100%
$100.00
 

Data Provided by Bankrate.com Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Bankrate.com National APY Average and Bankrate.com Site APY Average are only available for MMA products in any denomination exclusively. For Savings products, neither national nor Bankrate APY averages are tabulated. For MMA & Savings products in any denomination, the presented Bankrate.com National APY Average and Bankrate.com Site APY Average are averages of the MMA products only, and are not inclusive of Savings products APY rates.

These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thift deposits are insured by the Federal Deposit Insurance Corp. Credit Union deposits are insured by the National Credit Union Administration. Many institutions have different rates on their own Websites than those posted on Bankrate.com. Please identify yourself as a Bankrate consumer to lenders to ensure you get the Bankrate.com rate. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please let us know.

Bankrate.com's Safe & Sound® service provides ratings information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. Five stars is superior, one star is lowest rated. For more information click here.



Regional banks and credit unions are offering better deposit rates these days. These regional financial institutions offer rates higher than the big national banks but lower than rates offered by online banks. The best rates available are from online banks but you will be sacrificing personalized service.

It’s usually best to have a deposit account at a regional bank if you need a more personalized banking relationship and have a need for face-to-face customer support.

The highest regional rate in Georgia in our rate database is on a money market account from Affinity Bank at 0.50 percent for deposits of $2,500 or more. Affinity Bank’s current savings rate is slightly lower at 0.40 percent with a minimum deposit of $1,000.

Listed below are the top savings rates and money market rates for the region around Georgia.

Georgia Variable Deposit Rates

  • Affinity Bank MMA Rate 0.50%
  • Affinity Bank Savings Rate 0.40%
  • Bank of Pensacola MMA Rate 0.20%
  • BlueHarbor Bank Savings Rate 0.20%
  • Delta Community Credit Union MMA Rate 0.20%
  • Georgia’s Own Credit Union MMA Rate 0.20%
  • Patriot Bank MMA Rate 0.20%
  • Associated Credit Union Savings Rate 0.15%
  • Associated Credit Union MMA Rate 0.15%
  • Delta Community Credit Union Savings Rate 0.15%
  • LGE Community Credit Union MMA Rate 0.15%

You can see how these deposit rates compare with national online bank deposit rates by searching our Deposit Rate Database.

 
Author: Brian McKay
April 22nd, 2016

We have a new leader on our variable deposit rate list. UFB Direct has the new highest savings rate at 1.19 percent with a yield of 1.20 percent. UFB Direct’s savings rate is 10 basis points higher than last month’s top savings rate from Dime Saving’s Bank at 1.10 percent.

UFB Direct is a division of BofI Federal Bank, an FDIC insured financial institution that was established in 2000. Deposit accounts at UFB Direct are FDIC insured to the maximum allowable limits of $250,000 per depositor under the BofI Federal Bank (FDIC Cert # 35546).

UFB Direct’s deposits are FDIC insured under BofI Federal Bank. When considering maximum FDIC coverage, deposits at UFB Direct will be combined with any deposits you have at BofI Federal Bank or other divisions of BofI Federal Bank. In other words, don’t exceed $250,000 in deposits at UFB Direct and BofI Federal Bank brand banks.

The savings rate on UFB’s savings account is tiered. Account balances over $25,000 earn 1.19 percent with a yield of 1.20 percent. Accounts balances under $25,000 earn only 0.20 percent.

Money deposited into the savings account must be new money. “New,” in the sense of money not already on deposit at any of the BofI Federal Bank brands. The list of bands include several online banks including Bank of Internet so you should check the list at BofI Federal Bank Brands.

UFB Direct Savings Account Benefits

  • No monthly maintenance fees
  • Use of any domestic ATM
  • FDIC insured up to $250,000 per depositor
  • Online Banking
  • Mobile Banking
  • Free FinanceWorks UFB Direct’s budgeting tool powered by Quicken
  • You can transfer funds between any of your UFB Direct accounts

UFB Direct covers 100% of any losses due any break-ins or funds that are lost, misplaced or taken out of your account without your authorization. Losses covered under the bank’s Online Safety Guarantee include the following:

  • An error made by a UFB Direct employee resulting in an unauthorized or erroneous transaction that results in lost or misplaced funds
  • A computer crime that the UFB Direct security system fails to prevent
  • An unauthorized debit card transaction
  • A missed or misdirected payment that is the fault of UFB Direct

To learn more and to open an account go to UFB’s website at UFB Direct Savings High Rates.

 
Author: Brian McKay
March 22nd, 2016

Listed below are the best variable deposit rates for March 1, 2016. For a list of today’s deposit rates search our database of rates at Deposit Rates.

Best Money Market Account Rates

  • EverBank Rate 0.61% Yield 1.11%
  • Silvergate Bank 1.10% Yield 1.10%
  • Dime Rate 1.09% Yield 1.10%
  • Northeast Bank Rate 1.09% Yield 1.10%
  • iGObanking.com Rate 1.09% Yield 1.10%
  • ableBanking Rate 1.00% Yield 1.00%
  • Sallie Mae 0.90% Yield 0.90%
  • Ally Bank Rate 0.85% Yield 0.85%
  • Mutual of Omaha Bank Rate 0.85% Yield 0.85%
  • Synchrony Bank Rate 0.85% Yield 0.85%
  • MyCBB Rate 0.83% Yield 0.83%
  • Discover Bank 0.80% Yield 0.80%
  • EH National Bank 0.80% Yield 0.80%

Best Savings Account Rates

  • Synchrony Bank Rate 1.04% Yield 1.05%
  • GE Capital Bank Rate 1.04% Yield 1.05%
  • Barclays Bank Rate 1.00% Yield 1.00%
  • Ally Bank Rate 1.00% Yield 1.00%
  • iGObanking.com Rate 1.00% Yield 1.00%
  • My Savings Direct Rate 1.00% Yield 1.00%
  • CIT Bank Rate 0.99% Yield 1.00%
  • FNBO Direct Rate 0.95% Yield 0.95%
  • Discover Bank Rate 0.95% Yield 0.95%
  • American Express Rate 0.90% Yield 0.90%
  • Colorado Federal Savings Bank 0.85% Yield 0.85%
 
Author: Brian McKay
March 1st, 2016

Listed below are the top online savings rates and money market rates for 2/24/16.

Top Online Savings Account Rates

  • Synchrony Bank Rate 1.04% Yield 1.05%
  • GE Capital Bank Rate 1.04% Yield 1.05%
  • Barclays Bank Rate 1.00% Yield 1.00%
  • Ally Bank Rate 1.00% Yield 1.00%
  • iGObanking.com Rate 1.00% Yield 1.00%
  • My Savings Direct Rate 1.00% Yield 1.00%
  • CIT Bank Rate 0.99% Yield 1.00%
  • FNBO Direct Rate 0.95% Yield 0.95%
  • Discover Bank Rate 0.95% Yield 0.95%
  • American Express Rate 0.90% Yield 0.90%

Money Market Account Rates

  • EverBank Rate 0.61% Yield 1.11%
  • Silvergate Bank 1.10% Yield 1.10%
  • Dime Rate 1.09% Yield 1.10%
  • Northeast Bank Rate 1.09% Yield 1.10%
  • iGObanking.com Rate 1.09% Yield 1.10%
  • ableBanking Rate 1.00% Yield 1.00%
  • Sallie Mae 0.90% Yield 0.90%
  • Ally Bank Rate 0.85% Yield 0.85%
  • Mutual of Omaha Bank Rate 0.85% Yield 0.85%
  • Synchrony Bank Rate 0.85% Yield 0.85%
  • MyCBB Rate 0.83% Yield 0.83%
  • Discover Bank 0.80% Yield 0.80%

To see variable deposit rates from many banks and credit unions search our rate table at Deposit Rates.

 
Author: Brian McKay
February 24th, 2016

Getting a decent rate on a savings account or money market account is still a challenge these days. Yes, the Fed did increase the fed funds rate in December, 2015, but banks overall haven’t increased deposit rates. One way you can insure you’re getting one of the best rate available is check for online savings rates.

Online savings accounts have historically had higher rates than traditional brick and mortar banks and that is still the case today. In our rate database, there are several online banks offering savings rates and money market rates at 1.10 percent. Some of the biggest traditional brick and mortar banks are offering rates much lower. The big banks basically don’t want your deposit money

Chase Bank’s current Plus Savings rate for “Non-Relationship” customers is a paltry 0.01 percent. If you have a banking relationship with Chase and have $250,000 or more in a Plus Savings account, the interest rate is still only 0.08 percent.

Wells Fargo is offering the same dismal 0.01 percent rate on their Wells Fargo Way2Save Savings Account. Citibank Savings Plus rate is also at 0.01 percent. The highest rate on Citibank’s Savings Plus is 0.08 percent but you’ll have to deposit at least $1 million dollars to get that rate.

Savings rates at the largest regional banks are not much better than rates at the biggest banks. PNC Bank’s Virtual Wallet Savings Rate is at 0.01 percent for a non-relationship account. US Bankcorp’s Standard Savings Rate is also at 0.01 percent.

There is no comparison between online savings rates and traditional bank branch location rates. To see a list of the highest savings rates currently available for online savings accounts use rate table at MonitorBankRates.com.

 
Author: Brian McKay
February 9th, 2016