Heritage Bank offers a business savings account with tiered interest rates up to 2.77% APY for balances over $2M. Requires $1k to open, is online-only, and has a $15 paper statement fee.
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Account Type: Business Jumbo Deposit (High-Yield Savings)
Western State Bank offers a 3.75% APY High Yield Money Market account with no monthly fees, a $5,000 minimum opening deposit, and nationwide access. Earn up to $10M in balances.
Evanston Community Bank & Trust offers $300 for a new checking account with $500/mo direct deposit, and $200 for a savings account with $15,000 deposit. Both extended through July 31, 2025.
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Offer Expiration: July 31, 2025
Checking Bonus: $300
Checking Direct Deposit Requirement: $500 per month for 2 consecutive months
BrightStar Credit Union has a limited-time cruise offer for depositing $20k, plus $100 cash bonuses for checking and business accounts. Florida residents only.
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Cruise Offer: Deposit Requirement: $20,000 or more into a consumer checking or standard savings account
Cruise Offer: Direct Deposit Requirement: Yes, at least $1,000 per month for 30 days
iGObanking's iGOindexmoneymarket offers a variable rate tied to the Fed Funds Rate (currently 3.90% APY). Requires $25,000 minimum, no monthly fees, and includes full mobile banking. Good for larger savings seeking rate flexibility.
Quorum Federal Credit Union offers a nationwide HighQ Savings account at 3.40% APY with no minimums. Just watch out for a potential $10 monthly fee if you opt for paper statements.
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Financial Institution: Quorum Federal Credit Union
Score a 4.15% APY on a 1-month or 3-month no-penalty CD from Mission Valley Bank. No minimum, no fees, nationwide availability. Perfect for short-term savings.
Salem Five Direct's eOne Savings offers a competitive 3.61% APY on balances up to $1 million with no monthly fees. Just a $10 deposit opens it, but watch for eligibility rules and potential fees.
MyPoints offers 44,000 points for refinancing a student loan through Credible. Points can be redeemed for gift cards. Must use the same email for both accounts and allow 45 days for credit.
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Reward Amount: 44,000 MyPoints
Required Action: Refinance an existing student loan through Credible
Credit Timeframe: Up to 45 days after loan refinancing
Key Requirement: Must use the same email address for your MyPoints account and the Credible application
Newtown Savings Bank offers a 4-year CD at 3.50% APY with a $500 minimum. It's a solid mid-term option, but compare rates and understand the early withdrawal penalty before committing.
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Featured Rate: 4-Year CD at 3.50% APY
Minimum Deposit: $500
Term Lengths Available: 3 months, 6 months, 1 year, 15 months, 18 months, 2 years, 3 years, 4 years, 5 years
Early Withdrawal Penalty (4-Year CD): 365 days of interest
NASA Federal Credit Union offers competitive short-term CD rates, including a 9-month at 3.95% APY and a 15-month at 3.85% APY, both requiring a $10k minimum. Membership is required but accessible nationwide.
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Top Short-Term Rate: 3.95% APY on a 9-month Share Certificate
Other Notable Rate: 3.85% APY on a 15-month Share Certificate
Minimum Deposit for Specials: $10,000 in new funds from outside the credit union
Availability Window: Deposit must be made between March 1, 2026 and March 31, 2026
Amerant Bank offers competitive CD rates, including a 6-month term at 3.50% APY. Requires a $10,000 minimum deposit. Rates vary by state and are subject to change.
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Issuer: Amerant Bank
Minimum Deposit: $10,000
Featured Rate (Example): 6-Month CD at 3.50% APY (for Florida residents, as of bank data)
The Federal Savings Bank offers CDs with rates up to 4.50% APY, but requires a $5,000 minimum. We break down the terms, the bank's background, and what you should consider before locking in your cash.
Library of Congress FCU offers competitive CD rates up to 4.47% APY with a $500 minimum. Open to those who join the American Library Association. Rates are guaranteed and compound quarterly.
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Best Rate (APY): 4.47% for 12-17 month term
Minimum Deposit: $500
Term Lengths: 3 months to 5 years
Interest Compounding: Quarterly for terms 6 months and longer
Northpointe Bank offers a standout 4.50% APY on an 11-month CD, requiring a $25k minimum. A solid, FDIC-insured option for locking in a high rate for under a year.
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Featured Rate: 4.50% APY on an 11-Month CD Special
LendingClub Bank offers competitive CD rates, including a standout 4.10% APY for 8 months. Minimum deposit is $500, and your money is FDIC-insured. A good option if you can lock funds away.
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Featured Rate (8-Month CD): 4.10% APY
Other Available Terms & Rates: 6-month (3.90% APY), 1-year (3.50% APY), 18-month (3.50% APY), 2-year (3.50% APY), 5-year (3.40% APY)
Minimum Deposit: $500
Deposit Insurance: FDIC-insured up to $250,000 per depositor
Earn up to $400 with Bank of Hawaii's checking and savings bonuses. Open a new account, meet deposit and direct deposit requirements, and get cash rewards. Limited time offers for Hawaii residents.
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Maximum Checking Bonus: $300 (Bankohana Level I) or $100 (Convenience Checking)
Checking Bonus Requirements: Open account online or in-branch with $500 minimum deposit; $3,500 in Qualifying Direct Deposits within 60 days (Bankohana) or $2,000 (Convenience)
Savings Bonus: $200
Savings Bonus Requirements: Deposit $7,500 in New Money within 30 days; maintain $7,500 daily balance for 4 consecutive months
Brilliant Bank offers competitive short-term CD rates, like 4.55% APY for 9 months. Weigh the pros of a low $1k minimum against the early withdrawal penalty and limited state availability.
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Top CD Rates (as of Oct 30, 2024): 4.55% APY for 9-month term, 4.35% APY for 15-month term
Minimum Deposit: $1,000
Maximum Deposit: $500,000
Early Withdrawal Penalty: Forfeiture of half the interest the CD would have earned by maturity
Financial Partners Credit Union offers a standout 6.00% APY on an 8-month CD, plus 4.75% on 4 or 7-month terms. Nationwide membership is available. Here's what you need to know.
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Top Offer: 6.00% APY on an 8-Month Special CD
Other Promotional Rates: 4.75% APY on 4-Month or 7-Month CDs
Minimum Deposit: $1,000 (for 4/7-month); $5,000 max for 8-month special
Membership Availability: Nationwide via the American Consumer Council