FNBO Direct Online Savings: 3.00% APY With No Minimum Balance
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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CFBank Money Market: 3.75% APY, But the $25,000 Entry Ticket Is the Real Story
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's Online Savings: 3.20% APY With a $4.95 Head Start
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 With No Minimums — Here's the Fine Print
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.
Northern Bank Direct Money Market: 3.50% APY With a $5,000 Head Start
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: 3.82% APY, But There's a $20,000 Catch
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.
Marcus by Goldman Sachs: 3.50% APY Plus a 1% Boost for Three Months
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.
TAB Bank's High-Yield Savings: 3.95% APY With No Minimum Deposit
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's High Yield Savings: 4.00% APY, Plus a 6-Month Boost to 4.35%
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.
Ivy Bank's 4.00% APY Savings Account: What You Need to Know Before You Open One
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's 3.75% APY Savings Account: Solid Rate, But That $5,000 Opening Deposit Is a Real Hurdle
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.
Zynlo Bank Money Market: 4.05% APY With a Few Geographic Catch
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.