MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
National Savings Rate Trends

Compare the Best High-Yield Savings Account Rates Today

Current national savings rates include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Savings at 12.00% APY, SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 0.00% offering Brilliant Kids Savings at 10.38% APY, Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MO1280 S Highway Dr, Fenton, MO 63026 1913A+5.0 ★Texas Ratio: 4.34% offering Star Student Savings Club at 10.00% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.42% offering Dream Round Up Savings at 10.00% APY, and Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.62% offering SMART Savings 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: April 23, 2026

Current National High-Yield Savings Account Rates

State:
Min Deposit:
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Spokane, WA
Savings
12.00%
$0
Rate11.39%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Maximum Balance: $1,200

SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Waldorf, MD
Brilliant Kids Savings
10.38%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Fenton, MO
Star Student Savings Club
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
West Jordan, UT
Dream Round Up Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
Saint Louis, MO
SMART Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Gainesville, FL
Even-Up Share*
10.00%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $0.01

Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
SAINT LOUIS, MO
Youth savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Panama City, FL
Rising Tide Youth Share
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Balance: $5 - $1,000

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
Bedford, NH
Deployed Warrior Savings
10.00%
$0
Rate9.57%
Min Deposit$0
Min Balance
UpdatedApr 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
UpdatedApr 17, 2026
Details

Qualifying balance up to $6000.00

Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
PLYMOUTH, MI
High Yield Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Lowell, MA
Savings Account
8.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Baytown, TX
CoRe Ownership Savings
8.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Chelsea, AL
Centsible Savings2
7.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1000.00

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Lawton, OK
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedApr 17, 2026
Details

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
West Chester, OH
Ohio Homebuyer Plus Savings
6.25%
$0
Rate6.08%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

about homebuyer plus

Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Gahanna, OH
Ohio Homebuyer Plus Savings Account
6.25%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 19, 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
UpdatedApr 17, 2026
Details

Qualifying balance up to $100,000; $500 bonus at account opening

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
Milwaukee, WI
Kids Club Savings Account
6.18%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

BONUS GIFT: Every new Kids Club account comes with an adorable Moose Plush - the perfect savings adventure sidekick!

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
MONTEREY PARK, CA
Youth Savings
6.18%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $1,000.00

Traverse Catholic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Traverse City, MI
STUDENT SHARES
6.17%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Buffalo, NY
Youth Savings Account
6.17%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Miamisburg, OH
Sweet Savings Youth Account Tier 1
6.17%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
SEATAC, WA
Youth Savings
6.14%
$0
Rate6.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Vancouver, WA
Loyalty Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifications Required: Monthly requirements must be met to qualify; Qualifying balance up to $750

CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Rancho Cucamonga, CA
Summer Savings Club
6.00%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedApr 19, 2026
Details

One great rate, all Chaffey Members.

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
Medford, NY
Youth Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

plus get $25 when balance reaches $1,000

Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
Dayton, NV
I Can Save Emergency Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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

Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Huntington, IN
Business Ownership Share
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Applicable Share Certificate dividends exclude HSA and IRA. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the business membership within previous 12 months. Business accounts only; consumer accounts not eligible.

Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Huntington, IN
Ownership Share
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Beacon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Huntington, IN
Ownership Share and Business Ownership Share
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

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
UpdatedApr 17, 2026
Details

APY = Annual Percentage Yield. Terms apply.

LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Long Beach, CA
Summer Savings Accounts
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Foothill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Arcadia, CA
Summertime Savings for School Employees
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

TruPartner Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Cincinnati, OH
SmartStart Savings
6.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $2000

Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
Longview, WA
Round Up Savings
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Red Rocks Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Littleton, CO
Reverse Tier Savings
5.75%
$0
Rate5.60%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Arvada, CO
Power Savings
5.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Partner Colorado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Arvada, CO
Power Up Your Savings
5.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
West Chester, OH
Ohio Homebuyer Plus Savings
5.25%
$0
Rate5.13%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

about homebuyer plus

Chadron Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.92%
Chadron, NE
Kids Club Savings
5.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $500.00

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Lenexa, KS
Emergency Savings
5.25%
$0
Rate5.15%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

MyUSA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
Middletown, OH
Student Savings
5.13%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

(ages 0-17 or older with current Student ID)

First US Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Grove Hill, AL
NextGEN Savings
5.12%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 16, 2026
Details

Qualifying balance up to $500.00

Fort Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Fort Atkinson, WI
TBD Savings
5.12%
$5
Rate5.00%
Min Deposit$5
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Alpena, MI
Health Savings Account
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Quarterly

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
UpdatedApr 17, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Auburn Hills, MI
High Yield Youth Savings
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

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
UpdatedApr 16, 2026
Details

Louisville Gas & Electric Company Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
Louisville, KY
Accumulation Share
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Liberty Lake, WA
First5 Savings
5.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

APY effective 2025/01/01

Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Grand Forks, ND
Savings Account
5.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
Montgomery, AL
Round-Up Savings
5.10%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Temple Terrace, FL
Youth Share
5.10%
$5
Rate4.99%
Min Deposit$5
Min Balance
UpdatedApr 18, 2026
Details

N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Mineola, NY
Youth/Teen/Milestone Savings
5.09%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
UpdatedApr 23, 2026
Details

Must have a Planters Round Up Checking Account

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Fort Leonard Wood, MO
Hero Savings
5.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Fort Leonard Wood, MO
High-Rate Savings
5.01%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Fort Leonard Wood, MO
Share Savings Account
5.01%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

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
UpdatedApr 22, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Saint Louis, MO
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

NET
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Olyphant, PA
Checking Plus: Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

NET
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
Olyphant, PA
Digital Checking: Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Mill Town Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
Everett, WA
Super Youth Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $750

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
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

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
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

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
UpdatedApr 17, 2026
Details

Qualifying balance up to $100.00

First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.07%
Cedar Rapids, IA
Kids First Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $500.00

Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
Allegan, MI
AMPED SAVINGS
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Newtown Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
Newtown, CT
Great Start Savings - Based on Daily Balance
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedApr 23, 2026
Details

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
UpdatedApr 22, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Bridgeport, CT
Jump Start Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Eugene, OR
Cultivate High-Yield Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

First Entertainment Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Hollywood, CA
First500 Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00

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
UpdatedApr 22, 2026
Details

Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Grandville, MI
Navigator Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
San Jose, CA
Go Savings
5.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 19, 2026
Details

bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
San Dimas, CA
Harvest High-Yield Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
San Dimas, CA
Harvest Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

Eagle Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Garden Grove, CA
Next Gen Savings
5.00%
$5
Rate5.00%
Min Deposit$5
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5000

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
UpdatedApr 22, 2026
Details

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
San Dimas, CA
Ministry Harvest Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedApr 16, 2026
Details

For ages 12 & under with 5% APY; Includes a superhero cape and mask

Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
West Jordan, UT
Teen Learn & Earn Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

SOLIDARITY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Kokomo, IN
RevUp Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

$0 - $2,500

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Eugene, OR
Vault Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $500

Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Salt Lake City, UT
Tier 1 YoungInvestor Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $2,000

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Richland, WA
Explorer Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

On the first $0 - $500 balance.

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
UpdatedApr 17, 2026
Details

Qualifying balance up to $1,000.00

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Honolulu, HI
Kids Club Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Battle Creek, MI
Amped Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
ARLINGTON, TX
Youth Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $499.99

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Apopka, FL
Emergency Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Lakeland, FL
High Five Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $2,000.00

Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Frankfort, KY
Round UP Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 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.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Centreville, VA
Coverdell Education Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Belpre, OH
Youth Savings (Prime Savers)
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Seattle, WA
Youth Savings Accounts
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

Focus First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Rochester, NY
Companion Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Newport News, VA
Fast Start Savings
5.00%
$5
Rate4.91%
Min Deposit$5
Min Balance
UpdatedApr 18, 2026
Details

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
UpdatedApr 17, 2026
Details

Qualifying balance up to $5,000.00

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Appleton, WI
SavingsPlus
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00

Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
SAGINAW, MI
Emergency Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.

1st Security Bank of Washington
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Port Townsend, WA
Optimum Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedApr 17, 2026
Details

Must be opened at a branch; Qualifying balance up to $5,000.00

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
UpdatedApr 17, 2026
Details

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Gatesville, TX
First Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Balances under $5,000 earn 5.00% APY; balances $5,000 and above earn 0.50% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Kailua Kona, HI
Rewards Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Fairmont, WV
Youth Savings Challenge Club
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $500.00

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
Fairmont, WV
Youth Savings Challenge Club Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $500

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
UpdatedApr 22, 2026
Details

Qualifying balance up to $9,999.99

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Richland, WA
SmartPlus Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

On your first qualified $500 in balances.

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Manhattan Beach, CA
High Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $499.99

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
Cheyenne, WY
Accelerated Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Up to

MASS INSTITUTE OF TECH
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
Lexington, MA
Starter Savings
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $2,000.00

Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Draper, UT
High APY Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Earn 5.00% APY on up to $5,000.

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Manhattan Beach, CA
High Yield Savings (Personal)
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Rochester, NY
Companion Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Suitland, MD
Online Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

CINCINNATI OHIO POLICE
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
Cincinnati, OH
Youth Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Spokane, WA
NexGen Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
Jackson, TN
Share Savings
5.00%
$10
Rate4.89%
Min Deposit$10
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $500.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Portland, OR
Rewards Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Full Balance

Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
Bedford, NH
Primary Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 22, 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
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
East Lansing, MI
Savings Builder
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $999.99

Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
Watertown, NY
NEXT eSavings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $1,000.00

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
East Lansing, MI
Savings Builder - Tier 1
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
Chatsworth, CA
Youth Smart Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Saint Louis, MO
Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

As high as

Adelfi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Brea, CA
Harvest High-Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
Lenexa, KS
High Interest Savings
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

West Metro Schools Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
Hopkins, MN
Holiday Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

max $300 deposit per month

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
UpdatedApr 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 Teens
5.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedApr 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
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.70%
Oceanside, NY
Youth & Young Adult Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $1,000.00

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Melville, NY
Smarts Starts Early Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

UP TO AGE 21

Oregon State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Corvallis, OR
High-Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

AS HIGH AS

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
UpdatedApr 22, 2026
Details

Earn up to 4.83% APY; No Fees; No minimum balance requirements.

Leader Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Arlington, MA
Zeugma Plus Savings
4.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Qualifications Required: 1,000 in direct deposits; eStatements enrollment; 3 electronic withdrawal debit transactions; To receive the 4.75% APY quoted, you must fulfill the following 3 requirements for your Zeugma Plus Checking each month: (a) receive a minimum of $1,000 in direct deposits, (b) enroll in eStatements, and (c) have three (3) electronic withdrawal debit transactions posted and cleared (excluding internal transfers).

Lincoln FSB of Nebraska
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Lincoln, NE
Youth Savings
4.60%
$10
Rate4.50%
Min Deposit$10
Min Balance
UpdatedApr 23, 2026
Details

Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Middlebury, CT
Head Start Savings
4.60%
$0
Rate4.50%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $1000.00

GHA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Greenwich, CT
Share Loan
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.47%
Tampa, FL
High Yield Savings Account
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.

Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Virginia Beach, VA
Smart Steps Savings
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

APY as high as

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings Account
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

For holding a savings and a checking account*

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Ultra Savings
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
ULTRA SAVINGS RATE
4.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Fitness Savings Account
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings w/Checking
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
SAVINGS W/CHECKING RATE
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings W/Elite Chk Rate
4.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Moline, IL
Digital Advantage Savings
4.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Elevault
Savings Account
4.36%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Interest paid daily; FDIC insured on portfolios up to $250,000 with no minimum deposit.

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
UpdatedApr 17, 2026
Details

Dedham Institution for Savings
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Dedham, MA
High Yield Savings
4.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

Up your savings with 4.30% APY.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Knoxville, TN
Educational Savings Plan
4.28%
$0
Rate4.20%
Min Deposit$0
Min Balance
UpdatedApr 19, 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. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.

Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
West Chester, OH
Ohio Homebuyer Plus Savings
4.25%
$0
Rate4.17%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

about homebuyer plus

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Moline, IL
Premier Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
San Jose, CA
Premier Savings
4.25%
$0
Rate4.16%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
San Jose, CA
Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

as high as

Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Grandville, MI
Navigator Savings
4.25%
$0
Rate4.18%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
UpdatedApr 22, 2026
Details

Standard Rate*; Interest paid monthly and calculated daily based off the end of day balance; 6 withdrawals per month limit

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
UpdatedApr 17, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Moline, IL
Elite Savings
4.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 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
UpdatedApr 22, 2026
Details

Earn 11x the national average.

Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Clarence, MO
Neighbors Savings
4.20%
$0
Rate4.12%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $250,000.00

Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Clarence, MO
Neighbors Savings Account
4.20%
$0
Rate4.12%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $250,000.00

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Savings Account
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Earn a high rate while holding only a Fitness Savings Account.

Fitness Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.05%
Covington, GA
Senior Savings Rate
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

UGEFCU
Institution Rating:
A+5.0 ★
New Hartford, NY
IRA Variable Savings
4.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Miamisburg, OH
Cap & Gown College Savings Age 0 - 8
4.12%
$0
Rate4.04%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Jefferson City, MO
IRA Savings
4.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Evermore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Fort Lauderdale, FL
High-Yield Senior Savings Account
4.10%
$100
Rate4.02%
Min Deposit$100
Min Balance
UpdatedApr 23, 2026
Details

Exclusively for customers age 62 and older; Minimum opening deposit: $100

Instep Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
New Orleans, LA
Youth & Teen Savings
4.09%
$5
Rate4.00%
Min Deposit$5
Min Balance
UpdatedApr 18, 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
UpdatedApr 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
UpdatedApr 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
UpdatedApr 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
UpdatedApr 17, 2026
Details

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Sleepy Eye, MN
EzMoney Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $5,000.00

Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Sleepy Eye, MN
EzMoney Savings+
4.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
Princeton, NJ
Healthy Savings
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Seattle, WA
High-Yield Savings Account
4.07%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 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
UpdatedApr 17, 2026
Details

Qualifying balance up to $1,000.00

Diamond Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
Murfreesboro, AR
Christmas Club Savings
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $3,000.00

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
UpdatedApr 17, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Kent, WA
Youth Savings
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Huntsville, AL
Brighter Day Savings Account
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $2,500.00

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Knoxville, TN
Educational Savings Plan
4.02%
$0
Rate3.95%
Min Deposit$0
Min Balance
UpdatedApr 19, 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. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.

Beehive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Rexburg, ID
High-Yield Business Savings
4.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
West Monroe, LA
Save Better Savings
4.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Moline, IL
Preferred Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

balances up to $14,999.99

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Chantilly, VA
Freedom Direct Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Direct Deposit to a new or existing Justice Federal Checking Account

OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
PHOENIX, AZ
Propel Savings High-Yield Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000

LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
Lehi, UT
LevelUp Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Earn 10x the National Average2

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
EATONTOWN, NJ
Head Start Youth Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

ages 0-17 earn

OUCU Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Athens, OH
IRA High Yield Savings
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

PSECU
Youth Savings (Balances of to $500.00)
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

$.01

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.

National Savings Rate Trends

Weekly national average APYs across savings account types — compiled from 8,500+ banks & credit unions, updated nightly.

View Full Savings Trends →
High-Yield Savings — National Avg
2.002%
▼ 0.046 from last week

National high-yield savings rates fell 0.046 points this week to 2.002%, down from 2.048% last week.

Standard Savings — National Avg
0.748%
▼ 0.005 from last week

National standard savings rates fell 0.005 points this week to 0.748%, down from 0.752% last week.

Savings Rate Trends

Weekly average APYs across all savings account types. Hover to see exact rates for each week.

As of Apr 23, 2026 • Source: MonitorBankRates • 8,500+ U.S. banks & credit unions View Full Savings Trends

Methodology & Data Sources

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 pulling data straight 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: April 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:
  • Responders Emergency Services Credit Union
    Savings — 12.00% APY
  • SPECTRA
    Brilliant Kids Savings — 10.38% APY
  • Alliance Credit Union Fenton, MO
    Star Student Savings Club — 10.00% APY
  • Cyprus Federal Credit Union
    Dream Round Up Savings — 10.00% APY
  • Neighbors Credit Union
    SMART Savings — 10.00% APY
Rates subject to change. Last Updated: April 23, 2026

Savings Rates by State