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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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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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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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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ExpirationExpired Jul 09, 2026
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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
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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
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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
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)
Poppy Bank offers a 4.25% APY on its Premier Online Savings account, available nationwide. The rate is guaranteed for 180 days, but you need a $1,000 minimum balance. No monthly fees if you go paperless.
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APY: 4.25% (promotional, guaranteed for 180 days)
Minimum Balance to Earn APY: $1,000
Monthly Fee: $0 (if you opt for electronic statements; otherwise $5/month)
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.
USALLIANCE Financial offers competitive CD rates up to 4.30% APY on 12- and 18-month terms, plus a no-penalty 11-month CD at 4.20% APY. Minimum deposit is just $500. Membership is open nationwide via partner organizations.
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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ExpirationExpired Jul 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.