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
Langley FCU offers a 12-month CD at 4.00% APY and a 24-month at 3.45% APY, with just a $500 minimum. Nationwide membership is easy. Learn the details and watch out for early withdrawal penalties.
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
Merchants Bank of Indiana offers a 5.39% APY Flex Index CD for 12, 24, or 36 months. Minimum $1,000. Rate tied to Prime minus 2.75%. FDIC insured. Nationwide availability.
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APY: 5.39% (Flex Index CD)
Terms Available: 12, 24, 36 months
Minimum Deposit: $1,000
Rate Type: Variable (based on Prime Rate minus 2.75%, floor 0%)
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
Nelnet Bank offers a nationwide high-yield savings account with a competitive 4.71% APY, no monthly fees, and a $1 minimum deposit. Learn how to open an account, what to watch out for, and whether it's the right fit for your savings goals.
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APY: 4.71% (as of October 4, 2024; previously 4.76%)
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
Earn up to 2,000 bonus Southwest Rapid Rewards points by shopping through the portal. Spend $100 for 400 points or $350 for 2,000 points. Offer ends 9/18/24.
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Promotion: Earn up to 2,000 bonus points with qualifying purchases via Southwest Rapid Rewards Shopping
Tier 1 Bonus: 400 bonus points for spending $100–$349.99
Tier 2 Bonus: 2,000 bonus points for spending $350 or more
Bonus Period: September 9, 2024 at 12:00 a.m. ET through September 18, 2024 at 11:59 p.m. ET
My Banking Direct offers a competitive 5.25% APY on a 5-month CD with a $2,500 minimum. A solid, short-term option for cash you know you won't need for a few months.
BluPeak Credit Union offers a nationwide money market account at 3.75% APY with a $100 minimum. Here's what you need to know about membership, rates, and if it's right for you.
Farmers Insurance FCU offers $100 or $250 for new High Yield Checking accounts with qualifying direct deposits. Requires $1k-$5k monthly deposits for 3 months. Nationwide (except LA). Bonus is taxable interest.
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Offer Amounts: $100 bonus for $1,000-$4,999 in monthly direct deposits OR $250 bonus for $5,000+ in monthly direct deposits.
Account Required: High Yield Checking account (also earns up to 5.00% APY on balances up to $5,000 with qualifying activities).
Key Requirement: Must set up and receive qualifying ACH direct deposits for three consecutive calendar months.
Promo Code: Must use promo code 'DDEP' during account opening.
Veritex Community Bank offers a nationwide Max Savings account with up to 5.39% APY, but you must apply through a third-party platform. Here's how it works and what to watch for.
Primis Bank's Perks Checking account pays 50 cents cash back on every debit card purchase nationwide. No monthly fees, $1 minimum to open, and a soft credit pull.
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Core Offer: 50 cents cash back on every debit card purchase
Account Type: Perks Checking
Availability: Nationwide (online); physical branches in Maryland and Virginia
Earn 10,000 MyPoints when you open a Current account and set up a $200 direct deposit. No minimum balance, free overdraft up to $200, and up to 4% APY on savings.
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Reward: 10,000 MyPoints
Requirement: Open a Current account and set up a payroll direct deposit of $200 or more
Offer expiration: Limited time (no specific end date given)
Earn a 17,000-point bonus by opening a Step banking account via MyPoints. Requires setting up $500 in monthly direct deposits. Points post after 32 days.
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Bonus Amount: 17,000 MyPoints
Required Action: Open a new Step account and fund it
Key Requirement: Set up $500 in monthly direct deposits to your Step account
First Citizens Bank offers an 11-month CD at 5.00% APY with a $5,000 minimum. It's online-only and FDIC insured. Here's what to know before you lock in your cash.
First United Bank offers a $250 personal checking bonus until 10/18/24 and a $300 business checking bonus until 9/30/24. Both are limited to Texas and Oklahoma residents. Here's how to claim them and what to watch out for.
Book a 2+ night stay at Homes & Villas by Marriott Bonvoy by Aug 31, 2024, earn 24K bonus points, and save 10%. Stays must be completed by Dec 20, 2024. Min spend $2,000.
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Bonus Points: 24,000 Marriott Bonvoy points per eligible stay
Discount: 10% off participating vacation rentals worldwide
Booking Window: August 5 – August 31, 2024
Travel Window: Stays completed by December 20, 2024
Jovia Financial Credit Union offers standout CD rates, including a 5.30% APY 15-month term. Open to anyone nationwide with a $100 minimum. Here's a detailed look at the offer and key considerations.
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Top CD Rates: 5.30% APY for 15 months, 5.00% APY for 8 months
CFG Bank offers a competitive 5.25% APY on its 12-month CD with a low $500 minimum. Nationwide availability and FDIC insurance make it a strong option for savers.