Elevault's mobile-only account offers a competitive 3.82% APY nationwide with no monthly fees. However, limited public info on transfer limits suggests using it as a secondary savings pot, not a primary hub.
Earn 10,000 American Airlines AAdvantage miles by opening a Bask Mileage Savings Account with $75k by 2/28/26. A solid offer for frequent flyers, but mind the long hold period and tax implications.
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ExpirationExpired Feb 25, 2026
What to know
Bonus Amount: 10,000 American Airlines AAdvantage® miles
Open a high-yield savings account through Raisin by Dec 31, 2025 with promo code GIFT. Earn 3.00% APY plus quarterly cash bonuses through 2026, with up to $1,600 total for maintaining a $250k+ balance.
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ExpirationExpired Dec 31, 2025
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Annual Percentage Yield (APY): 3.00%
Maximum Total Bonus Potential: $1,600
Bonus Structure: Quarterly cash bonuses paid throughout 2026
Blue Federal Credit Union offers competitive CDs with low minimums and no penalties. 3.85% APY 9-month no-penalty and 3.80% APY 15-month terms available nationwide.
The Southwest debit card offers 2,500 bonus points, annual bonuses, and Companion Pass progress, but carries a $6.99 monthly fee unless you keep $2,500 in the account.
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Monthly Fee$6.99
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What to know
Welcome Bonus: 2,500 points after downloading the app, setting up two direct deposits, and spending $100 in the first 90 days.
Earning Rates: 1 point per $1 on Southwest purchases, dining, and subscriptions (like cable, phone, streaming). 1 point per $2 on other everyday purchases.
Annual Spend Bonus: Up to 7,500 bonus points each account anniversary, based on your annual net purchases.
Yearly Companion Pass Bonus: 7,500 Companion Pass qualifying points deposited each calendar year.
American Express offers a high-yield savings account with a competitive rate, no monthly fees, and no minimum balance. It's FDIC insured and features robust transfer capabilities.
State Bank of Texas offers a 4.18% APY on its Jumbo Money Market account, but requires a $100,000 minimum. Watch for monthly fees if your balance dips and limited monthly withdrawals.
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Monthly Fee$20
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APY: 4.18%
Minimum to Open & Earn APY: $100,000
Monthly Fee: $20 if average daily balance falls below $25,000
Early Closure Fee: $25 if closed within 120 days of opening
Peak Bank's Envision Savings offers a competitive 4.02% APY with no monthly fees, but requires a $100 minimum to open. It's a solid choice for building an emergency fund or parking cash.
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Account Name: Envision High-Yield Savings
Current APY (as of Feb 1, 2026): Up to 4.02% for new accounts
Primis Bank offers a straightforward, fee-free savings account with a 4.20% APY nationwide. Open with just $1, no monthly fees, and no balance caps. A solid option for parking cash.
Colorado Federal Savings Bank offers a 4.05% APY on its Premier Savings account, but you need $50,000 and must be a new customer. No monthly fees, but watch the withdrawal limits.
Merchants Bank offers a nationwide 4.00% APY money market with no monthly fees. Great rate, but be prepared for a wire transfer to fund it and no built-in ACH capabilities.
My eBanc offers a competitive 4.35% APY on its SuperSaver Money Market account, but requires a $5k minimum deposit and has a monthly fee. Here's what you need to know.
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Monthly Fee$15
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Account Type: SuperSaver Money Market
Current APY: Up to 4.35%
Minimum Opening Deposit: $5,000
Monthly Fee: $15 (waived with a $5,000 minimum daily balance)
Bask Bank offers a straightforward 4.05% APY savings account with no minimums, no monthly fees, and nationwide availability. Here's what you need to know before opening one.
Popular Direct offers a competitive 4.10% APY on its High-Rise Savings with a $100 minimum. Watch for a $4 monthly fee if your balance dips below $100 and a $25 early closure fee.
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Monthly Fee$4
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What to know
APY: 4.10%
Minimum Opening Deposit: $100
Monthly Maintenance Fee: $4 if daily balance falls below $100
Early Account Closure Fee: $25 if closed within 180 days of opening
Republic Bank offers a 3.91% APY on its Digital Money Market account with a $2,500 minimum. It's available nationwide online, but has notable ACH limits and is unavailable in four states.
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Monthly Fee$25
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What to know
Current APY: 3.91%
Minimum Opening Deposit: $2,500
Monthly Maintenance Fee: $25 (waived with $2,500+ daily balance)
Availability: Nationwide online, except for residents of IL, IN, MI, WI
All America Bank offers a 3.85% APY on balances up to $100k with no monthly fees. It's a checking-style money market account with a debit card, nationwide availability, and FDIC insurance.
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APY: 3.85% on balances up to $100,000
Rate on Higher Balances: 0.50% APY on amounts over $100,000
Redneck Bank offers a 3.85% APY on its Mega Money Market account for balances up to $100,000. Requires a $500 opening deposit, no monthly fees, and includes a debit card. Watch for transaction limits.
LendingClub's LevelUp Savings offers 4.00% APY if you deposit $250+ monthly, or 3.00% APY otherwise. No monthly fees, no minimum balance, and FDIC insurance. A solid rate for active savers.
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What to know
Standard APY: 3.00% APY
LevelUp APY (with qualifying deposit): 4.00% APY
Qualifying Monthly Deposit: $250+ in cumulative deposits per statement cycle
Bluevine Premier offers 3.0% APY on balances up to $3M for a $95 monthly fee, which can be waived with $100k+ balance and $5k monthly debit card spend. Includes high FDIC insurance and payment fee discounts.
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Account Type: Business Checking
Interest Rate (APY): 3.0% on balances up to $3,000,000
Standard Plan Rate: 1.3% APY on balances up to $250,000 (no monthly fee)
HarborOne Bank offers $600 personal or $1,000 business checking bonuses in MA, NH, RI. Direct deposit or balance requirements apply. Offers end Sept 2025.
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What to know
Personal Checking Bonus: $600 ($300 checking + $300 savings)
Firstrust Bank offers 5,000-10,000 bonus points for new Eagles checking accounts in DE, MD, NJ, PA. No direct deposit needed—just meet debit card spend requirements by 12/31/25.
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Monthly Fee$10
ExpirationExpired Feb 26, 2026
What to know
Bonus Amount: 5,000 or 10,000 reward points
Account Types: Eagles FirstPay Checking (5K pts) or Eagles FirstPay Premier Checking (10K pts)
Spend Requirement: $500 in debit card purchases within 60 days for 5K pts; $1,000 for 10K pts
Wisconsin's Educators Credit Union offers a two-sided referral bonus: $50 for current members who refer someone, and a $350 checking bonus for the new member. Both must meet direct deposit and activity requirements.
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ExpirationExpired Feb 26, 2026
What to know
Offer Type: Member Referral Program
Bonus for Referring Member: $50 Referral Reward
Bonus for New Member: $350 Account Bonus
Required Account: Checking and Savings account (for new member)
Prime Alliance Bank offers a nationwide personal savings account at 4.05% APY. Requires a $10,000 minimum to earn the rate, with no monthly fees. Here's what to know before opening.
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Account Type: Personal Savings Account (Direct Premium Personal Savings)
Affinity Plus FCU offers a nationwide money market account with a 3.40% APY on balances up to $25k. No monthly fees or minimums, but you must set up a $500 monthly direct deposit and e-statements to earn the top rate.
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Account Type: Superior Money Market Account
Top Tier APY: 3.40% (on balances up to $25,000)
APY on Balances Over $25k: 3.10%
Monthly Requirement for Top Rate: $500+ direct deposit & e-statements