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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Monthly Fee$95
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What to know
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)
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
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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Monthly Fee$15
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What to know
Account Type: Business Jumbo Deposit (High-Yield Savings)
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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What to know
Financial Institution: Quorum Federal Credit Union
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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What to know
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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What to know
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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What to know
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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What to know
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
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
Affirm offers a high-yield savings account at 3.85% APY with no minimum balance, no monthly fees, and FDIC insurance. Interest compounds daily and is paid monthly.
My eBanc offers up to 3.90% APY on savings, but requires a $25,000 opening deposit and has a $15 monthly fee if your balance dips below that. A solid rate for large balances, but watch the fees and requirements.
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Maximum APY: 3.90% for balances of $100,000 and above
APY for Lower Balances: 3.70% for balances below $100,000
Minimum to Open: $25,000
Monthly Fee: $15 if average daily balance falls below $25,000
Open a SoFi Checking & Savings via Rakuten to earn $250 cash back, then trigger SoFi's own $300 bonus with direct deposit. A potential $550 total, but timing and deposit rules are key.
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Total Potential Bonus: $550 ($250 from Rakuten + $300 from SoFi)
Primary Requirement: Open a new SoFi Checking & Savings account via a Rakuten link and complete a qualifying direct deposit.
Minimum Direct Deposit: $500
Deadline for Direct Deposit: Within 45 days of clicking the Rakuten link