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Featured Savings Rates

Online Savings & Money Market Account Rates

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

August 28, 2015
Savings Account National Average Rate: 0.12% ?
Online Banks APY Vs. Nat'l Av. Min Bal
Synchrony Bank 1.05% 8.68x $30 +Learn More
Sponsor message: Peace of mind starts here. Member FDIC.
My Savings Direct 1.25% 10.33x $1 1.10% 9.09x $25,000
GS Bank 1.05% 8.68x $0
CIT Bank 1.05% 8.68x $25,000
Salem Five Direct 1.00% 8.26x $0
Barclays Bank Delaware 1.00% 8.26x $0
ableBanking 1.00% 8.26x $1,000
Ally Bank 0.99% 8.18x $0
Discover Bank 0.95% 7.85x $0
Incredible Bank 0.95% 7.85x $2,500
American Express Bank, FSB 0.90% 7.44x $0
Sallie Mae Bank 0.90% 7.44x $0
Bank5 Connect 0.90% 7.44x $10
Colorado Federal Savings Bank 0.85% 7.02x $2,500
Radius Bank 0.85% 7.02x $2,500
Mutual of Omaha Bank 0.85% 7.02x $5,000
Amtrust Direct 0.80% 6.61x $5,000
Virtualbank 0.78% 6.45x $100,000
Capital One 360 0.75% 6.20x $0
FNBO Direct 0.75% 6.20x $1
Bank of Internet 0.75% 6.20x $100
Clear Sky Accounts 0.70% 5.79x $1
New Dominion Direct 0.70% 5.79x $50,000
Amboy Direct 0.65% 5.37x $3,000
EverBank 0.61% 5.04x $1,500
Savings Square 0.50% 4.13x $1
Zions Bank 0.50% 4.13x $2,500
OneWest Bank 0.50% 4.13x $100,000
E-Loan 0.40% 3.31x $100,000
Nationwide Bank 0.30% 2.48x $1
CNB Bank Direct 0.26% 2.15x $1
BAC Florida Bank 0.25% 2.07x $100
AirBanking 0.25% 2.07x $1,000
BAC Florida Bank 0.15% 1.24x $500
HSBC Advance 0.15% 1.24x $100,000

Highlighted Savings Rates


midiman007, July 21, 2015

I have 3 accounts Citbank, synchrony bank and my savings direct. Cit get hands down winner fast ach and customer support is top notch. my savings direct comes in second I hate how long it take for ach to clear. Unlike any bank i have seen. synchrony bank has fast ach transfers but there web page is messed up it does not display pending transfer and yes I complained and 2 months now no fix.

Helpful? Yes:1 / No:0
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HUD, January 19, 2015

I have accounts at both MY Savings Direct, and GE Capital (which I opened a couple of weeks ago). Both are easy to open, and both are very good over all. I give the edge to GE for their lightening fast ACH transfers. You can't go wrong with either one though. Good luck...

Helpful? Yes:3 / No:0
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tom pinter, January 19, 2015

can't decide; who is the best?
My Savings Direct
GE Capital Bank
Splash 5 Direct
All paying 1.05%

Helpful? Yes:2 / No:0
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rae, August 23, 2014

bank5 rates are great and the chat customer service is amazing. I have been with them for about 3 months and they are superb. it does take about a week to get everything up and running but I have already made interest on my small deposit and you only need $100 in checking or savings to reap interest benefits!! I will be switching to them for all my banking needs

Helpful? Yes:1 / No:3
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Rebecca, January 27, 2014

Amtrust or or Mybankingdirect or New York Community Bank or whatever it is = a truly awful institution that should not appear on this site, bankrate or anywhere.

Helpful? Yes:8 / No:2
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MARY HICKSON, December 21, 2013


Helpful? Yes:0 / No:1
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Sol, November 07, 2013

@ Jason Goldberg

It depends where you log in from. The rate is only available in New England and New York so if you access the site from an IP out of that area, you will not see it. Also, make sure you sort by APY to make sure you haven't missed it.

Helpful? Yes:1 / No:2
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Jason Goldberg, November 07, 2013

I have come to this page a couple of times over the last few weeks and sometimes I see a bank listed here called EBSB Direct with the highest rate and sometimes I don't see it. Why is that?

Helpful? Yes:2 / No:3
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Leonard Harris, October 17, 2013

@Stephen Rice GE Capital Bank's service is excellent. Process very easy and CSR is very helpful if you need to call. I have also had very good experiences with Amex and Barclays. Not so good experiences with Sallie Mae or Discover. Can't comment on the rest, but you won't go wrong with GE Capital, Amex or Barclays.

Helpful? Yes:13 / No:3
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Stephen Rice, October 17, 2013

Has anyone opened an account with GE? Is it any good?

Helpful? Yes:2 / No:3
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