The best rates on bank savings accounts are listed below. FDIC-insured up to $100,000 per depositor. Contact bank directly to open an account.
| BANK | YIELD | MINIMUM | BALANCE TO EARN APY |
|
 |
4.50% | $1 | $1 | |
 |
4.00% | $10,000 | $10,000 | |
| SmartyPig | 3.90% | $25 | $25 | |
| Centennial Bank | 3.82% | $500 | $100,000 | |
| Capital One Bank | 3.75% | $1 | $10,000 | |
| Provident Bank | 3.75% | $100 | $1 | |
| Century Bank Direct | 3.61% | $100 | $1 | |
| OneUnited Bank | 3.60% | $1,000 | $1,000 | |
| Kirkpatrick Bank | 3.50% | $1 | $1 | |
| Independence Bank* | 3.45% | $100 | $1 | |
| Kaiser Federal Bank | 3.40% | $100 | $75,000 | |
| 3.31% | $1 | $10,000 | ||
| ShoreBank | 3.30% | $1 | $1 | |
| Centennial Bank | 3.30% | $500 | $50,000 | |
| Washington Mutual Bank* | 3.30% | $1 | $1 | |
| Amboy Direct | 3.25% | $100 | $100 | |
| FNBO Direct | 3.25% | $1 | $1 | |
| Security Savings Bank | 3.25% | $100 | $100 | |
| BankUnited | 3.25% | $5,000 | $5,000 | |
| Doral Bank Direct | 3.25% | $100 | $250 | |
| Umbrella Bank | 3.25% | $100 | $75,000 | |
| Goldwater Bank | 3.25% | $5,000 | $5,000 | |
| AmTrust Direct | 3.25% | $1 | $1 | |
| Independence Bank | 3.20% | $100 | $1 | |
| GCF Bank | 3.20% | $100 | $100,000 | |
| E*Trade Bank | 3.15% | $1 | $1 | |
| Principal Bank | 3.10% | $1 | $100,000 | |
| HSBC Bank | 3.05% | $1 | $1 | |
| Heartland Bank Direct*** | 3.05% | $500 | $1 | |
| UFB Direct | 3.01% | $1 | $1 | |
| E-Loan Bank | 3.01% | $5,000 | $1 | |
| First Federal Direct | 3.01% | $1 | $1,000 | |
 |
3.00% | $1 | $1 | |
| E-Loan Bank | 3.00% | $1 | $1 | |
| Direct Huntington Bank | 3.00% | $1,000 | $1,000 | |
| MetLife Bank | 3.00% | $1 | $25,000 | |
| Intervest National Bank | 3.00% | $500 | $500 | |
| H&R Block Bank***** | 3.00% | $50 | $50 | |
| Transportation Alliance Bank | 3.00% | $25 | $25 | |
| Citibank | 3.00% | $1 | $1 | |
| PFF Bank | 3.00% | $1,000 | $1,000 | |
| Ultima Bank | 3.00% | $1 | $1 | |
 |
2.75% | $1 | $1 | |
| Banco Fortuna | 2.75% | $1 | $1 | |
| Presidential Bank**** | 2.75% | $5,000 | $5,000 | |
| UnivestDirect | 2.70% | $1 | $1 | |
| 2.50% | $1 | $75,000 | ||
| Ascencia Bank | 2.40% | $50 | $1 | |
| Heritage Bank | 2.34% | $1,000 | $1,000 | |
| Advanta Bank | 2.25% | $50 | $50 | |
| NewBank | 2.00% | $1 | $50,000 | |
| H&R Block Bank | 2.00% | $50 | $50 |
Highest Savings Account rates posted by money-rates.com daily. Banks listed in rate tables are FDIC-insured up to $100,000 per depositor. Information regarding FDIC-insurance here.
* Requires opening checking account..
** Introductory rate. Guaranteed by bank for 90 days.
*** Up to $50 bonus performance ($5 per $1,000 average monthly balance) paid as interest after account open 6 months.
**** APY applies to balances up to $35,000, balances over $35,000 receive 3.00% APY
*****Offered exclusively through H&R Block tax offices
Posted 5/7/08