Get a free $20 bonus on Polymarket's prediction market app (iOS only) with promo code POLYMADNESS. Use it to trade on any market, but understand the risks first.
Bonus$20
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What to know
Offer: $20 free cash bonus for new users
Promo Code: POLYMADNESS
Platform Availability: iOS only (via the Polymarket app)
Bonus Use: Trade on any prediction market within the app
Live Oak Bank is paying 4.40% APY on a 12-month CD, with 4.30% on 9 months and 4.20% on 6 and 18 months. But terms of 24 months and up drop to 2.00% — a big cliff worth knowing before you lock in.
FNBO Direct's High-Yield Online Savings pays 3.00% APY with no monthly fees and no minimum balance. Open online with $0, earn on balances up to $1 million, and stay FDIC-insured.
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APY: 3.00% APY (interest rate 2.96%), accurate as of 10-01-2025 and subject to change
CFBank's Money Market pays 3.75% APY nationwide, but you need $25,000 to open and earn that rate. Balances under $25,000 earn far less, and closing within 90 days triggers a penalty.
Jovia Financial Credit Union's Online Savings pays 3.20% APY nationwide with just $4.95 to start earning. No monthly fees, Allpoint ATM access, and a debit card come along for the ride.
Empower Personal Cash pays 3.50% APY on every dollar with no minimum balance or monthly fees, plus up to $5M in FDIC coverage through partner banks. Withdrawal limits depend on how long your account has been open.
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APY: 3.50% APY on all balances (3.70% APY for eligible Empower Personal Strategy Private Client customers)
Northern Bank Direct's Money Market Premier pays 3.50% APY on balances up to $250,000. Open online with $5,000, no monthly fees, but watch the $25 early-close fee and ACH limits.
MutualOne Bank's Mo Premium Savings pays 3.82% APY nationwide, but you need $20,000 in new money to open it. No monthly fees, FDIC insured, interest compounds monthly.
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Account: Mo Premium Savings
APY: 3.82% (3.75% interest rate)
Minimum daily balance to earn APY: $20,000 or greater
Minimum opening deposit: $20,000, must be new money to the bank
Marcus by Goldman Sachs now pays 3.50% APY on its Online Savings Account, and a referral link can add 1.00% APY for three months. No minimum to open, no monthly fee, FDIC insured.
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ExpirationExpired Oct 20, 2026
What to know
Account Type: Online Savings Account
Base APY: 3.50% APY (variable)
Promotional Boost: +1.00% APY for 3 months via referral link
TAB Bank's High Yield Savings pays 3.95% APY on all balances with no minimum deposit or monthly fees. It's open nationwide and FDIC insured, but the rate is variable and has recently dipped.
Openbank High Yield Savings pays 4.00% APY, with a limited-time 0.35% boost for new customers that pushes it to 4.35% APY for six months. $500 minimum to open, no fees, FDIC insured.
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Account Type: High Yield Savings Account
Standard APY: 4.00% APY (variable)
Promotional APY: 4.35% APY with 0.35% boost for 6 months (new customers only)
Ivy Bank pays 4.00% APY on balances from $2,500 to $1M, but a $15 monthly fee and a 180-day early-closure penalty mean you need to read the fine print before switching.
BrioDirect High Yield Savings Plus pays 3.75% APY with no monthly fee, but you need $5,000 to open and $25 to keep earning the rate. Here's what to know.
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APY: 3.75% APY (variable, accurate as of 10/17/2026)
Zynlo Bank's Money Market pays 4.05% APY on balances up to $250,000 with no monthly fees and a $10 opening deposit. But it's not available in MA, CT, NY, or CA, and ACH limits are tight.
Rove Miles now transfers to JetBlue TrueBlue at 1:1, and there's a 20% transfer bonus through November 14, 2026. That makes 22 partners total — here's how to decide if it's worth moving points.
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ExpirationExpires Nov 14, 2026
What to know
New transfer partner: JetBlue TrueBlue
Transfer ratio: 1:1 (Rove Miles to JetBlue TrueBlue)
Launch bonus: 20% transfer bonus
Bonus deadline: November 14, 2026 at 11:59 p.m. ET
Piermont Bank raised its High-Yield Business Money Market to 3.75% APY on balances of $50K+. Nationwide access, but watch tiered rates and a six-debit limit.
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Account Type: High-Yield Business Money Market
Top Interest Rate: 3.75% APY
Rate Increase: From 3.50% to 3.75% APY (as of 10/5/26)
Through Oct 31, 2026, Marriott Bonvoy points convert to Air Canada Aeroplan with a 15% bonus. That turns the usual 3:1 ratio into 3:1.15 — 60,000 Bonvoy points become 28,000 Aeroplan points instead of 25,000.
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Bonus: 15% more Aeroplan points on Marriott Bonvoy transfers
Promo period: October 1–31, 2026
Standard transfer ratio: 3 Marriott Bonvoy points = 1 Aeroplan point
Standard transfer with bonus: 60,000 Bonvoy points = 25,000 Aeroplan points (20,000 base + 5,000 bonus)
Hilton cardholders can earn 10,000 bonus points by registering and completing a paid 3+ night stay by Jan 3, 2027. Stack with other promos for a solid return.
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Bonus Points: 10,000 Hilton Honors points
Minimum Stay: 3 consecutive nights
Booking Window: September 28, 2026 – November 9, 2026
CIT Bank's 11-month No-Penalty CD now pays 3.90% APY with just $1,000 to open. Its 6-month CD sits at 3.75% and the 13-month at 3.25% — all FDIC insured and open nationwide.
American Express Business Checking now offers 35,000 Membership Rewards points after a $5,000 deposit, 60-day average balance, and 10 transactions. Earns 1.30% APY and 1x points per $2 debit spend.
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What to know
Bonus amount: 35,000 Membership Rewards points
Required deposit: $5,000 in new money within 20 days of account opening
Average balance requirement: $5,000 for 60 days, starting when your new-money deposits reach $5,000
Transaction requirement: 10 qualifying transactions within 60 days of account opening