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
