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 SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 0.00% offering Brilliant Kids Savings at 10.38% APY, ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 8.20% offering High Yield Savings at 10.00% APY, Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408A+5.0 ★Texas Ratio: 1.21% offering Rising Tide Youth Share at 10.00% 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, and Avestar Credit UnionAvestar Credit Union125 W Madison St, Waterloo, WI 53594A5.0 ★Texas Ratio: 8.55% 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 12, 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
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Waldorf, MD
Brilliant Kids Savings
10.38%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 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: 8.20%
PLYMOUTH, MI
High Yield Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 12, 2026
Details

Balance: $5 - $1,000

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
UpdatedMay 10, 2026
Details

Kid's earn 10% APY on the first $500 they save!

Avestar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
Waterloo, WI
Round Up Savings Account
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

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
UpdatedMay 10, 2026
Details

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
UpdatedMay 12, 2026
Details

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
UpdatedMay 4, 2026
Details

Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
Columbus, OH
Owner Rewards Savings
10.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 10, 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
UpdatedMay 12, 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
UpdatedMay 10, 2026
Details

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 12, 2026
Details

PCM Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Green Bay, WI
Reward Savings
7.50%
$0
Rate7.25%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $500.00

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

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Bellingham, WA
First Step (Youth) Savings
7.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $500

Simplicity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
Marshfield, WI
Youth and Young Adult Savings
7.00%
$0
Rate7.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $2,500.00

Wright-Patt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
Beavercreek, OH
Enhanced Health Savings Account (HSA)
7.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 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
UpdatedMay 12, 2026
Details

Qualifying balance up to $1000.00

Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Torrance, CA
Summer Safeguard Savings
6.60%
$0
Rate6.44%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD

Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Columbus, OH
Ohio Homebuyer Plus Savings Account
6.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

$500 - $10,000

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
UpdatedMay 10, 2026
Details

KEMBA Advantage APY

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
UpdatedMay 10, 2026
Details

about homebuyer plus

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 5, 2026
Details

$500 bonus

F&A Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
MONTEREY PARK, CA
Youth Savings
6.18%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

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
UpdatedMay 12, 2026
Details

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
UpdatedMay 6, 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
UpdatedMay 6, 2026
Details

Qualifying balance up to $10,000.00

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
UpdatedMay 12, 2026
Details

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
UpdatedMay 12, 2026
Details

Annual Percentage Yield (APY) as of 11/01/2025 if balance is above $5; subject to change. Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. [2] Applicable Share Certificate dividends exclude HSA and IRA. [3] Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's membership within previous 12 months. Consumer accounts only; business accounts not eligible.

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
UpdatedMay 12, 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
UpdatedMay 12, 2026
Details

Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,000.00

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 10, 2026
Details

Qualifying balance up to $750.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $2000.00

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Wharton, TX
IRA Shares
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Qualifying balance up to $20,000.00

Whatcom Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Bellingham, WA
Stash (Emergency) Savings
6.00%
$1
Rate0.00%
Min Deposit$1
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $2500

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
UpdatedMay 12, 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

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 5, 2026
Details

Qualifying balance up to $25,000.00

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
UpdatedMay 12, 2026
Details

River Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Sparta, WI
Youth Savings
6.00%
$25
Rate5.87%
Min Deposit$25
Min Balance
UpdatedMay 4, 2026
Details

$0 - $5,000.00

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
UpdatedMay 12, 2026
Details

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
UpdatedMay 7, 2026
Details

plus get $25 when balance reaches $1,000

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
UpdatedMay 12, 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
UpdatedMay 10, 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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

Oregon Community Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.09%
Eugene, OR
Ignite Savings
5.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 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
UpdatedMay 10, 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
UpdatedMay 10, 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
UpdatedMay 7, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 12, 2026
Details

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

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
UpdatedMay 10, 2026
Details

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Billings, MT
Youth Savings Account
5.12%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Windsor Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
Windsor, CT
Student Savings Account
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

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 4, 2026
Details

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
UpdatedMay 4, 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
UpdatedMay 10, 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
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 4, 2026
Details

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
UpdatedMay 10, 2026
Details

Northwest Hills Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Torrington, CT
Youth Savings
5.09%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedMay 12, 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 5, 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 Savings5
5.01%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 10, 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%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 10, 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
UpdatedMay 4, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $5,000.00

Spokane City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Spokane, WA
NexGen Savings
5.00%
$0
Rate5.10%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

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
UpdatedMay 6, 2026
Details

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
UpdatedMay 10, 2026
Details

max $300 deposit per month

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
UpdatedMay 10, 2026
Details

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 4, 2026
Details

Qualifying balance up to $9,999.99

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 5, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedMay 7, 2026
Details

Qualifying balance up to $2,500.00

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Manhattan Beach, CA
High Yield Savings
5.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMay 6, 2026
Details

Qualifying balance up to $499.99

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 5, 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
UpdatedMay 5, 2026
Details

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

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
UpdatedMay 6, 2026
Details

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 4, 2026
Details

Qualifying balance up to $5,000.00

SELCO Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
Eugene, OR
Vault Youth Savings
5.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMay 10, 2026
Details

Accounts insured for up to $250,000 by the NCUA.

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $5000

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
UpdatedMay 12, 2026
Details

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
UpdatedMay 10, 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
UpdatedMay 6, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,500.00

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
UpdatedMay 7, 2026
Details

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
UpdatedMay 6, 2026
Details

Qualifying balance up to $500

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $750

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 5, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 10, 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.

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

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 5, 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
UpdatedMay 5, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 6, 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
UpdatedMay 5, 2026
Details

Qualifying balance up to $100.00

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
Bay Shore, NY
Student Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 10, 2026
Details

SOLIDARITY COMMUNITY
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
Kokomo, IN
RevUp Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,500.00

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
UpdatedMay 7, 2026
Details

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 5, 2026
Details

Qualifying balance up to $1,000.00

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
Los Alamos, NM
Your Savings, Superpowered
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Varo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Draper, UT
Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 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

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
UpdatedMay 6, 2026
Details

1% Unlimited Cash Back; 1.00% APY on Checking Balance; No Minimum Balance; No Monthly Relationship Fee

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
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Bridgeport, CT
Jump Start Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 7, 2026
Details

Qualifying balance up to $1,000.00

Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Birmingham, AL
Incentive Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 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 - Based on Daily Balance
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Qualifying balance up to $1,000.00

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Montclair, CA
Regular/Special Share Savings Accounts
5.00%
$0
Rate4.88%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Qualifying balance up to $5,000.00

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 4, 2026
Details

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
UpdatedMay 4, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00; Learn More

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
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000.00

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Richland, WA
Explorer Youth Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 6, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 4, 2026
Details

Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Appleton, WI
SavingsPlus
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Qualifying balance up to $500.00

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 4, 2026
Details

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

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
UpdatedMay 7, 2026
Details

Qualifying balance up to $499.99

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 4, 2026
Details

Qualifying balance up to $100.00

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
UpdatedMay 12, 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 5, 2026
Details

Qualifying balance up to $10,000.00

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
UpdatedMay 12, 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
UpdatedMay 12, 2026
Details

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,000.00

Christian Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
San Dimas, CA
Harvest High-Yield Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 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
Ministry Harvest Savings
5.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedMay 10, 2026
Details

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
UpdatedMay 4, 2026
Details

Qualifying balance up to $1,000.00

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
UpdatedMay 10, 2026
Details

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 5, 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
UpdatedMay 12, 2026
Details

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

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 5, 2026
Details

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
UpdatedMay 10, 2026
Details

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
UpdatedMay 7, 2026
Details

UP TO AGE 21

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
UpdatedMay 4, 2026
Details

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
UpdatedMay 10, 2026
Details

Full Balance

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $2,000.00

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
UpdatedMay 12, 2026
Details

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 4, 2026
Details

Qualifying balance up to $500.00

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
UpdatedMay 6, 2026
Details

Qualifying balance up to $1000.00

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
UpdatedMay 12, 2026
Details

Qualifying balance up to $500.00; 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
UpdatedMay 4, 2026
Details

Elevault
Savings
4.36%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 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 5, 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 5, 2026
Details

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
UpdatedMay 12, 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.

River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Miamisburg, OH
Cap & Gown College Savings Age 0 - 8
4.27%
$0
Rate4.19%
Min Deposit$0
Min Balance
UpdatedMay 12, 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
UpdatedMay 12, 2026
Details

as high as

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
UpdatedMay 4, 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 5, 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 3, 2026
Details

Standard Rate*

Arcadia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Arcadia, WI
Christmas Club Share
4.25%
$0
Rate4.16%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
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
UpdatedMay 10, 2026
Details

about homebuyer plus

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
UpdatedMay 10, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
Miami, FL
Personal High Yield Savings
4.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

Earn 11x the national average3.

UGEFCU
Institution Rating:
A+5.0 ★
New Hartford, NY
IRA Variable Savings
4.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Neighbors Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
Clarence, MO
Neighbors Savings Account
4.10%
$0
Rate4.02%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Qualifying balance up to $250,000.00

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
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: 7.88%
New Orleans, LA
Youth & Teen Savings
4.09%
$5
Rate4.00%
Min Deposit$5
Min Balance
UpdatedMay 10, 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 6, 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 6, 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 6, 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 6, 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
UpdatedMay 12, 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
UpdatedMay 12, 2026
Details

Qualifying balance up to $5,000.00

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
UpdatedMay 7, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
Seattle, WA
High-Yield Savings Account
4.07%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMay 7, 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 5, 2026
Details

Qualifying balance up to $1,000.00

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 12, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Nashville, TN
Kickstart Kids Savings Acct1
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
Roslyn, NY
Savings and Investment Accounts
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMay 7, 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 6, 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
UpdatedMay 6, 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
UpdatedMay 6, 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 5, 2026
Details

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
UpdatedMay 12, 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
UpdatedMay 7, 2026
Details

CENTRIC
Institution Rating:
C+4.1 ★Texas Ratio: 25.48%
West Monroe, LA
Personal Savings
4.01%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $50,000.00

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
UpdatedMay 12, 2026
Details

Qualifications Required; Qualifying balance up to $1,000.00

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Burlington, VT
High Yield Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 7, 2026
Details

Qualifying balance up to $5,000.00

First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Sacramento, CA
Smart Start Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Monroe Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Williamstown, NJ
Advantage Savings
4.00%
$0
Rate3.92%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Qualifying balance up to $5,000.00

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Swansea, IL
Kids Cash Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Qualifying balance up to $500.00

United Equity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
Galesburg, IL
Share Savings Account
4.00%
$25
Rate3.92%
Min Deposit$25
Min Balance
UpdatedMay 12, 2026
Details

Qualifying balance up to $20,000.00

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
UpdatedMay 4, 2026
Details

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Seattle, WA
Youth Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Comenity Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Wilmington, DE
High-Yield Savings Account
4.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Comenity Bank
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Wilmington, DE
Retirement High-Yield Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.61%
Moline, IL
Vibrant Preferred Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

balances up to $14,999.99

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
New York, NY
High Yield Online Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

IH Mississippi Valley Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.04%
Moline, IL
SavingsBooster
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Portland, OR
Loyalty Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

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
2.043%
▲ 0.042 from last week

National high-yield savings rates rose 0.042 points this week to 2.043%, up from 2.001% last week.

Standard Savings — National Avg
0.791%
▲ 0.044 from last week

National standard savings rates rose 0.044 points this week to 0.791%, up from 0.747% last week.

Savings Rate Trends

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

As of May 13, 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: May 12, 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:
  • SPECTRA
    Brilliant Kids Savings — 10.38% APY
  • ORSA Credit Union
    High Yield Savings — 10.00% APY
  • Panhandle Credit Union
    Rising Tide Youth Share — 10.00% APY
  • Alliance Credit Union Fenton, MO
    Star Student Savings Club — 10.00% APY
  • Avestar Credit Union
    Round Up Savings Account — 10.00% APY
Rates subject to change. Last Updated: May 12, 2026

Savings Rates by State