NexBank offers competitive CDs with up to 5.35% APY on 12-month terms. Minimum deposits start at $1 for Raisin-powered CDs. FDIC insured, no fees, nationwide availability.
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12-Month High-Yield CD (via Raisin): 5.15% APY, $1 minimum deposit
Climate First Bank offers standout no-penalty CDs: 5.34% APY for 6 months and 5.00% APY for 12 months. With a $500 minimum, unique add-on deposits, and a one-time rate bump, they're worth a look for flexible savings.
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6-Month CD APY: 5.34%
12-Month CD APY: 5.00%
Minimum Deposit: $500
Availability: Nationwide (Bank is based in Florida)
Western Vista Federal Credit Union offers a 4.50% APY on a 54-month CD with a $500 minimum. Nationwide membership. Weigh the pros and cons before locking in your cash.
Dover Federal Credit Union offers a standout 5.39% APY on a 24-month Flex Share Certificate, available nationwide. You just need to join a $15 conservation group to become a member.
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Top Offer: 5.39% APY on a 24-Month Flex Share Certificate
Minimum Deposit: $500
Membership Requirement: Open to anyone nationwide by joining the Friends of Bombay Hook (a $15 individual membership)
Early Withdrawal Penalty (for this 24-month term): 90 days of dividends
SoFi Checking & Savings now integrates Zelle for fast, free transfers. The feature is rolling out gradually, prioritizing existing Zelle users and direct deposit customers.
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Feature: Zelle integration within SoFi app
Availability: Rolling out to members over weeks starting May 2024
Prioritized Users: Existing Zelle standalone app users via SoFi, then members with direct deposit
Transfer Speed: Money typically received within minutes*
Magnifi Financial offers 5.25% APY on a 10-month CD, 5.20% on 15-month, and 5.15% on 20-month. Minimum deposit $2,500, max $500K. NCUA insured. Nationwide availability.
Join CLEAR Plus for $189 and get a $100 travel voucher rebate. Use promo code TRAVELREWARD100. Offer for new members only; voucher arrives after June 30, 2024.
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Offer: Get a $100 travel voucher when you purchase a one-year CLEAR Plus membership.
Membership Cost: $189 for one year of CLEAR Plus.
Promo Code: TRAVELREWARD100
Voucher Delivery: Rebate code delivered via email after the promotion period ends (after June 30, 2024).
Buy Hilton points with a 100% bonus through July 23, 2024. That's effectively 0.5 cents each. Great for topping off your account before a 5-night award stay.
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Promotion: 100% bonus on purchased Hilton Honors points
Effective cost per point: 0.5 cents (normally 1 cent)
Minimum purchase: 5,000 points to qualify for the bonus
Transfer your Amex Membership Rewards points to Avianca LifeMiles by June 30th and get a 15% bonus. A solid opportunity to stretch your points for Star Alliance flights, but act fast and know the rules.
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Offer: 15% bonus miles when transferring Amex Membership Rewards to Avianca LifeMiles
Transfer Window: June 3, 2024 (12:00 am GMT-5) to June 30, 2024 (11:59 pm GMT-4)
Minimum Transfer: 1,000 Amex points
Bonus Timing: Bonus miles post within 24 hours of transfer request
Earn a massive 6.75% APY on up to $7,500 with Genisys Credit Union's Genius High Yield Checking. No monthly fees, nationwide access, and just 10 debit card swipes per month. Open to anyone via a partner membership.
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APY: 6.75% on balances up to $7,500; 0.05% on balances above $7,500
Open a new Varo Bank account via MyPoints, deposit and spend $25, and get 5,000 points. A solid, low-effort bonus for trying a digital bank.
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Reward: 5,000 MyPoints
Required Action: Open a new Varo Bank account via the MyPoints link, link an external bank, deposit at least $25, and spend $25 with the Varo debit card within 30 days.
Key Requirement: Must use the exact same email address for both your MyPoints and new Varo accounts.
Eligibility: Only for brand new Varo Bank customers. If you've ever downloaded the Varo app before, you won't qualify.
Open a new Ally Bank Spending Account via MyPoints, get a qualifying direct deposit, and earn 22,000 bonus points. A solid combo of a useful account and extra rewards.
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Bonus Amount: 22,000 MyPoints points
Required Action: Open a new Ally Bank Spending Account and receive one qualifying direct deposit
Key Deadline: Direct deposit must be received within 60 days of account approval
Credit Timeline: Points are manually credited within 45 days after the direct deposit is verified
The Department of Commerce FCU offers CDs with a low $500 minimum. Rates are competitive, and anyone nationwide can join via the American Consumer Council. Watch for early withdrawal penalties.
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Minimum Deposit: $500
Best Rate (as of review): 4.87% APY for 6-11 month term
Membership Requirement: Join the American Consumer Council (nationwide) or meet other eligibility criteria
Insurance: NCUA insured up to $250,000 per depositor
DollarSavingsDirect offers a standout 5.00% APY on a 3-year CD with a $1,000 minimum. A solid option to lock in high yields, but know the details before you commit.
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Issuer: DollarSavingsDirect (a division of Emigrant Bank)
Flagstar Bank offers a 5.50% APY 7-month CD and a 5.15% APY 15-month CD with a $500 minimum. Nationwide availability, FDIC-insured. Check the details and apply today.
American Express offers a targeted 50,000 Membership Rewards points bonus for new business checking accounts. Requires a $10k deposit, maintaining that balance, and 5+ transactions. No monthly fees and a 1.30% APY.
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Welcome Bonus: 50,000 Membership Rewards® points
Bonus Requirements: 1) Deposit $10,000+ within 30 days. 2) Maintain a $10,000 average balance for 60 days. 3) Make 5+ qualifying transactions within 60 days.
Annual Percentage Yield (APY): 1.30% on balances up to $500,000 (variable rate)
Navy Federal Credit Union offers a standout 4.70% APY on an 18-month CD with a $50 minimum. The unique perk? One penalty-free early withdrawal. But membership is limited to military community.
BrioDirect offers a 5.00% APY on a 12-month CD with a $500 minimum. It's FDIC insured, but rates have recently dropped. Here's what you need to know before locking in your cash.
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Issuing Bank: BrioDirect (a sub-brand of Webster Bank, N.A.)
North American Savings Bank offers competitive short-term CDs: 5.15% APY for 7 months and 5.25% APY for 13 months, with a $5,000 minimum. Nationwide availability online.
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Issuer: North American Savings Bank (NASB)
Best Rates: 5.15% APY (7-month term), 5.25% APY (13-month term)
Fortera Credit Union offers fixed-rate share certificates (like CDs) with a $1,000 minimum. Rates are competitive, but membership has geographic eligibility rules. A good set-and-forget option if you qualify.
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Issuer: Fortera Credit Union
Account Type: Fixed-Rate Share Certificate (similar to a CD)
Minimum Deposit: $1,000
Term Lengths: 6, 12, 18, 24, 36, 48, and 60 months
Get up to $3,500 by parking $250k–$500k in a new Wells Fargo Premier account. No direct deposit needed, but you must visit a branch. Bonus posts after 90 days.
Bonus$500,000
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ExpirationExpired Aug 05, 2026
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Maximum Bonus: $2,500 with $250k deposit; $3,500 with $500k deposit
Availability: Nationwide, but branch visit required
Direct Deposit Required: None
Deposit Deadline: Within 45 days of account opening/upgrade
Eastern Bank offers up to $750 for opening checking and savings accounts. Must be a new customer in MA, NH, ME, or RI. Direct deposit or large savings balance required. Offer ends 11/17/25.