Highest Online Bank Rates for Savings And Money Market Accounts - January 27, 2021
Savings Account National Average Rate: 0.12% ?
We are still in the midst of an horrific pandemic but we have vaccines going in arms now and that is a good time to look at how and when you are going to travel when this pandemic ends and it becomes easier to do so. I last wrote in some detail about Bask Bank's proposition in February, having first written about it in (...read more in the Recent Articles section below the rate table).
| ONLINE BANKS | APY? | Vs. Nat'l Av.? | MIN? | |
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0.70% | 6.09x | $100 | Learn More |
Requires download of bank app and recording of over 12,500 average daily steps (or 10,000 if over age of 65). Inbound transfers are limited to $2,500/week and take 4 days. |
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JaszH | Jan 20, 2021 Been pleased for a couple of years, and have enjoyed constantly getting a higher rate for my steps. All of the phone calls and letters demanding that I vote on some merger are a little too much. Read More |
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0.67% | 5.83x | $500 | Learn More |
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Electra McCain | Dec 31, 2020 I’ve filed a complaint with the FDIC. This bank keeps rearranging my transactions, even if they’ve posted and are not pending. They also will deny a transaction and charge a non sufficient funds fee ... Read More |
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0.66% | 5.74x | $25,000 | Learn More |
External transfers are limited to $30,000 per week. |
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Jenn | Jan 13, 2021 Little rate drops suck! Read More |
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0.65% | 5.65x | $0 | Learn More |
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RickS | Jan 23, 2021 Not worth the hassle. |
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0.65% | 5.65x | $0 | Learn More |
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Kindr468 | Jan 20, 2021 Was rejected for acct from NYC. |
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0.65% | 5.65x | $1 | Learn More |
Not available to residents of states with PNC branch locations. |
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GAM | Oct 25, 2020 Online Savings rate was dropped to 0.65% a week ago from 0.80% and BestCashCow still showing former rate. Read More |
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0.65% | 5.65x | $2,500 | Learn More |
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Davis A | Jan 05, 2021 I recommend this bank's online savings account. Easy to use and rate competitive. |
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0.60% | 5.22x | $0 | Learn More |
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Yella | Jan 04, 2021 I am very upset. This was advertised on this site or some other site. It was impossible to get the account opened. When I reached people on the phone, they were nasty. Now the rate is lower and I cannot ge... Read More |
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0.60% | 5.22x | $0 | Learn More |
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Randall A | Nov 18, 2020 I've been very pleased over the first six months - now feel cheated by silent .05% drops. How difficult is it to send a blast email notifying customers as a courtesy? |
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0.60% | 5.22x | $0 | Learn More |
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Difficult to work with | Jan 27, 2021 I've been a depositor since I opened about 2 years ago when they launched and were advertiser here and everywhere. The rates are still competitive, but why can't then issue a 1099 or put it online in a tim... |
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0.60% | 5.22x | $0 | Learn More |
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TRUMP LIES, WE DIE | Nov 12, 2020 Rate has remained competitive and they are easy to work with. |
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0.60% | 5.22x | $100 | Learn More |
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EJ24 | Jan 14, 2021 Easiest account set-up process ever. Read More |
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0.60% | 5.22x | $500 | Learn More |
Inbound transfers limited to $25,000/day and $100,000/month. |
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ABSie | Jan 23, 2021 Not the quickest experience (you'll need to wait for the mail for your acct# in order to set up your online account) and not the easiest (I had some difficulties getting online access), but customer suppor... |
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0.60% | 5.22x | $1,000 | Learn More |
New money only. External transfers limited to $10,000 per week. |
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Peter C | Jan 05, 2021 They offer the best interest rate of 0.75% which is better than most. Transfers of large amounts are just painful. Small limits on transfers are also ridiculous. Learned to use my main bank account to tran... |
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0.60% | 5.22x | $5,000 | Learn More |
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JC | Nov 02, 2020 WARNING! I just opened a new account and at this time you CANNOT transfer or withdraw your funds via ACH through them. You may use an external bank's ACH to withdraw, however. No where on their website is ... |
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0.60% | 5.22x | $10,000 | Learn More |
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Rajit C | Oct 17, 2020 Is it possible to covert to this 0.75% account from Bask? I am not using airmiles during the pandemic. Read More |
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0.60% | 5.22x | $10,000 | Learn More |
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Stu | Apr 17, 2020 I have had a CD and passbook for a year or so and have had decent enough service and return. Can't complain. |
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0.60% | 5.22x | $25,000 | Learn More |
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EGS | Jan 23, 2021 Terrible. I find myself wishing I had read the other reviews. Read More |
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0.57% | 4.96x | $0 | Learn More |
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Chenkin1 | Jan 05, 2021 AVOID! Sneakers play games and take your money in fees and you'll end up earning much much less than Marcus or Ally. Read More |
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0.55% | 4.78x | $1 | Learn More |
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Peter C2 | Jan 23, 2021 In terms of service, you cannot do anything online. On every other bank, you can message someone online and get a quick response. You need to call Synchrony and speak with someone in the Philippines. N... Read More |
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0.55% | 4.78x | $5 | Learn More |
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LizaBBBB | Sep 06, 2020 Yes, Pentagon had good rate initially, but it disappeared at renewal. We have top credit score (835). |
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0.55% | 4.78x | $5 |
Learn More
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0.55% | 4.78x | $100 | Learn More |
New money only. |
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Jeff | Dec 26, 2018 I think it is 1% on 1-year CDs and 2% on anything between 1 and 4 years. Not great, but not the worst I have seen. Read More |
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0.55% | 4.78x | $2,000 | Learn More |
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Savvysaver | Jun 27, 2020 Agree with "Cannot recommend", this is a bricks and mortar bank with a very limited online presence. Read More |
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0.55% | 4.78x | $5,000 | Learn More |
Rate available for new accounts only. |
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wabuf | Dec 03, 2019 Awful bank, offer you a high savings rate, then drop Ong the rate so rapidly. Read More |
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0.55% | 4.78x | $5,000 | Learn More |
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Absy68 | Aug 23, 2020 i seem to have been rejected for a savings account and these twits now have all of my info. Avoid it. Read More |
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0.55% | 4.78x | $25,000 | Learn More |
New account holders only. |
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Julia N | Jan 03, 2021 This is the worst online banking I have seen. Without any warning they restricted access to withdrawals to $1000. Representative said they implemented on ALL accounts for ALL customers due to “fraud”... Read More |
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0.55% | 4.78x | $25,000 | Learn More |
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Don | Jan 05, 2018 No longer available as of 11/2017 |
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0.52% | 4.52x | $0 | Learn More |
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jazyGirl | Dec 11, 2020 I did not like the rate drop yesterday fellas. This went from great to good to average to poor in no time! Read More |
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0.50% | 4.35x | $0 | Learn More |
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Rebecca01 | Aug 03, 2020 There is a lot to like about this account. American Express is a real organization and you are not playing with a bunch of amateurs like with a lot of these banks. However, they will be sure to lower the ... Read More |
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0.50% | 4.35x | $0 | Learn More |
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EduardoC | Dec 12, 2020 "keeping their savings rate competitive" - they aren't. Read More |
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0.50% | 4.35x | $0 | Learn More |
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Pjamas | Sep 14, 2020 two thumbs up Read More |
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0.50% | 4.35x | $0 |
Learn More
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0.50% | 4.35x | $1 | Learn More |
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NRB | Mar 14, 2018 Poor service. Condescending attitude. Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for a... Read More |
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0.50% | 4.35x | $1 | Learn More |
Promotional rate for new depositors only. Prior depositors may receive a lower rate. |
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SamCrit | Oct 08, 2018 Their promotional rate is just for a limited time and afterward their rate go down to close to 0.1% or so. For a consistently higher rate, look for more decent bank like CapitalOne360 or Discover. Read More |
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0.50% | 4.35x | $1 | Learn More |
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Deadwood | Jan 15, 2021 Marcus really doesn't disappoint. Great customer service. I could be angry about the rate but look at this other brands. Read More |
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0.50% | 4.35x | $1 | Learn More |
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Anonymous | Jun 20, 2018 great find Jason, looks like this really was a to good to be true rate Read More |
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0.50% | 4.35x | $100 | Learn More |
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BeccaB-88 | Jul 21, 2020 Opened account a month ago. I've already seen the rate fall a couple of times, but have no other complaints. Easy process and a clear easy to use site (unlike Ally where I was before). Read More |
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0.50% | 4.35x | $100 | Learn More |
Bank charges ACH transfer fees and routinely lowers rates for existing customers below those advertised. |
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LarryMass | Dec 08, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More |
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0.50% | 4.35x | $1,000 | Learn More |
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Dudley | Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More |
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0.50% | 4.35x | $1,000 | Learn More |
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Savvysaver | Jun 25, 2020 I can tell you nothing of this bank. I can tell you the rate posted here is incorrect (FIFTH one today!) I only wish I could review BestCashCow. Read More |
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0.50% | 4.35x | $2,500 | Learn More |
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SandyB | Aug 25, 2020 Bank is owned by a Florida bank and yet I wasn't able to open an account because I live in Florida. Go figure! Read More |
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0.50% | 4.35x | $4,000 | Learn More |
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Jim Plew | Apr 22, 2015 Hello, I am interested in a line of credit against my home. I have a high interest credit card that I want to move to this credit. I have a wells fargo mortgage which is only a few years old which I do no... |
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0.49% | 4.26x | $25,000 |
Learn More
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0.49% | 4.26x | $230,000 | Learn More |
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WPT | Nov 02, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. |
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0.45% | 3.91x | $0 | Learn More |
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EBHYT | Aug 04, 2020 Sallie Mae is going to absolutely be the right bank for you if you enjoy calling during normal business hours and speaking with a automated voice response system that gives you no information and refuses t... |
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0.45% | 3.91x | $0 | Learn More |
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Stella | Apr 30, 2019 No issues. I feel confident using them. Read More |
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0.45% | 3.91x | $1,000 |
Learn More
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0.45% | 3.91x | $1,000 |
Learn More
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0.45% | 3.91x | $100,000 | Learn More |
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John t. | Jul 24, 2020 Went to renew a cd at branch in Jacksonville Fl , on main street, they said I would have to keep driving around building , if any cars came in behind me. They have 2 drive throughs and wouldn't open other... Read More |
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0.45% | 3.91x | $100,000 | Learn More |
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Seth B Glover | Aug 10, 2019 I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. |
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0.40% | 3.48x | $0 | Learn More |
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Joe | Dec 05, 2020 I know rates are variable, at their discretion*, but in the time frame of 9 months their rates have dropped to 1/3 of what they were ! is that what some call a teaser rate in the beginning ??? Read More |
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0.40% | 3.48x | $0 | Learn More |
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WallyC | Dec 11, 2020 All the good reviews on this site are planted by the bank. This is the worst. It used to be good and the transfer speed is good. Still they lower their rates below anyone else and do it without the notice ... |
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0.40% | 3.48x | $0 | Learn More |
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TrentR | Sep 30, 2020 Website hasn't been working for over a week now. Just great how they manage to go down as rates start to fall. :) I am so very done with this nonsense. Read More |
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0.40% | 3.48x | $1 |
Learn More
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justareview | May 04, 2018 I opened an account about 1.5 years ago and the employees have always been nice and never had an issue with any teller saying they will put a hold on my deposit or being rude in any way shape or form. But.... Read More |
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0.40% | 3.48x | $25 | Learn More |
Bank holds inbound and outbound transfers for extended periods without paying interest. |
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EGS | Jan 23, 2021 Terrible. I find myself wishing I had read the other reviews. Read More |
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0.40% | 3.48x | $5,000 | Learn More |
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Jeremy | Aug 25, 2020 I cannot say that I am too happy about the rate, but the service on this one is excellent. Read More |
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0.40% | 3.48x | $10,000 | Learn More |
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Gustavo L 18 | Feb 28, 2020 Purepoint is great. Only Citizens Access is better and I've had all of these. I have nothing to gain by saying this, but I would opt for Purepoint when the rates are comparable. Read More |
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0.40% | 3.48x | $10,000 |
Learn More
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0.40% | 3.48x | $150,000 | Learn More |
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JT | Dec 23, 2020 I aborted transaction a couple of weeks ago because got concerned about look-and-feel and responsiveness of website, and I have been getting spammed nonstop since then. The spamming is coming not just from... |
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0.35% | 3.04x | $0 | Learn More |
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Stu, a CA. depositor | Apr 27, 2020 I just deposited into their 1 yr. CD 2.28 (which is correct as of 4.27.20) and had relatively minor issues with the application. If you provide your callback no. a person will get back to you and explain t... |
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0.30% | 2.61x | $1 | Learn More |
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Emigrant is a game | Sep 17, 2020 It is a complete game between MySavings, DollarSavings and Emigrant. Some days one has a competitive rate, the next day the rate on that one has dropped to zero and it is one of the other brands that has... Read More |
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0.26% | 2.26x | $100 |
Learn More
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0.26% | 2.26x | $2,500 | Learn More |
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Jay | Jan 04, 2020 Be aware, when cd comes due, they mail a check to your home which takes 7-10 business days. That is a long time to have money not drawing any interest. Read More |
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0.25% | 2.17x | $0 | Learn More |
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CHow1975 | Nov 18, 2017 This is a decent account until you need to withdraw something and then it is hell on wheels. Read More |
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0.25% | 2.17x | $0 | Learn More |
Promotional rate for new account holders only. |
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YEHman | May 08, 2019 One of the worst experiences I have ever had. Do not use them for loans, their servicing department is lazy, unorganized and terrible to work with. Sent in check over 3 months ago to get PMI removed and... |
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0.25% | 2.17x | $0 | Learn More |
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Frank | Apr 08, 2019 Their online interface is circa 2004. They limit the number of accounts you can set up for ACH. And they sit on ACH transfers.... for days. Not sure if the good rates are worth it. Read More |
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0.25% | 2.17x | $1,000 |
Learn More
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0.25% | 2.17x | $1,000 | Learn More |
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dbestway@gmail.com | Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... |
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0.25% | 2.17x | $25,000 | Learn More |
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DS Traylor | May 19, 2017 Such a difficult experience and unpleasant experience that I would have been happier leaving my money at Wells fargo for 0.000001%. Read More |
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0.25% | 2.17x | $150,000 | Learn More |
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Eleanor | Jan 04, 2021 The rate is 0.25% on balances under $300,000. Nobody in their right mind is going to go over $250,000 in this bank. Bestcashcow should remove it. Read More |
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0.25% | 2.17x | $250,001 | Learn More |
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James A. Elder | Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... |
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0.19% | 1.65x | $100,000 | Learn More |
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WPT | Nov 02, 2020 Got the account opened after weeks and finally got it funded and then they dropped the rate the next day and it is no longer competitive. |
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0.15% | 1.30x | $50,000 | Learn More |
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GAM | Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More |
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0.15% | 1.30x | $100,000 |
Learn More
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0.13% | 1.13x | $10,000 | Learn More |
Rate not available in all states. |
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The Duffster | May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More |
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0.08% | 0.70x | $1 | Learn More |
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ruler009 | May 26, 2017 Before009 Read More |
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0.05% | 0.43x | $0 | Learn More |
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kenbeckyreese@icloud.com | Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. |
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0.05% | 0.43x | $0 | Learn More |
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MKS | Sep 08, 2019 Opened an account and did $1000 for my initial deposit. If your balance averages below $1000 they charge you $10 a month. ETrade withdrew the $1000 from my checking account then, without reason, abruptly... |
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0.05% | 0.43x | $100,000 |
Learn More
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0.01% | 0.09x | $1 |
Learn More
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Best Online Savings Account Rates
- A competitive interest rate. BestCashCow maintains the most comprehensive list of deposit account rates. The rates above are the best available rates for online savings accounts. In order to ensure that your money continues to grow over time, you may wish to avoid banks which rely heavily on very short term promotional rates (such as EverBank). If you open an account with a promotional rate or even if you open an account where the rate isn’t promotional in nature, you should check back with BestCashCow regularly to be sure that your bank continues to offer one of the most competitive rates.
- Full functionality through online and mobile access. Most of the accounts listed above have robust websites and mobile access that enables full functionality. Read the comments from other users before opening an account as they often highlight problems with access.
- Assess how the bank provides customer service. Many of the leading online banks now have customer service representatives who are U.S. based and available 24/7 with low wait times. This is often a distinguishing feature that makes a well-recognized bank significantly more attractive than a smaller bank trying to enter the online banking arena.
- Absence of fees. Be sure that you are opening an online account with a bank that doesn’t charge fees and has very low minimum balance requirements. American Express, CIT, GS Bank, Barclays and Ally are all well known for low minimum requirements and the absence of any unusual monthly fees.
- Easy Access to your Cash through Immediate Online Transfers. The reason why you keep money in savings is for access in an emergency or to take advantage of immediate financial opportunities. You need access to your cash. Yet, some banks impose strict limits on the amount of cash that you can access from your account in a single transfer or limit the numbers of transfers you can conduct over a given time period. Other banks can delay your transfers for days while they make money on the float. You should check with the bank where you are considering opening an online account to understand the restrictions before you open an account. You may also read the comments from other users above as they can highlight which banks enable the best access to your cash.
- Stay within FDIC limits! See the section above and read this article.
- Use the BestCashCow Savings Calculator to see how important it is to be maximizing your interest on savings accounts over time.
Expert Reviews of Well-Known Online Banks, January 2021
Online Savings - 0.50% APY, $1 minimum
Great for: Competitive CD Rates with no transaction fees ever.
Overview: Marcus is the online bank of Goldman Sachs. Throughout 2018, it consistently offered one of the highest online savings rates, but it has been quick to lower its savings and CD rates in 2019 and 2020. Marcus has a highly rated mobile app.
Highlights: Marcus is very highly rated in customer reviews on BestCashCow. Users cite the consistently high savings rates, lightening fast ACH transfers, the ease of web access, strong customer service and the absence of any fees ever.
What to watch for: Marcus has been quicker than many competitors to lower its savings rate.
Online Savings – 0.40% APY, $5,000 minimum
Great For: High Savings and CD Rates with no transaction fees ever
Overview: Citizens Access is a relatively new entrant in the online banking space, but is a subsidiary of Citizens Bank, one the largest, oldest and most well established US banking institutions.
Highlights: Citizens Access never charges any monthly fees. Its user reviews on BestCashCow have been outstanding. It was ahead of the curve in increasing its savings rates in anticipation of each Federal funds rate increase in 2018.
What to watch for: Citizens Access has also been ahead of the curve in decreasing its savings rate with each 2020 Federal funds rate decrease and has become less rate competitive in recent months. All Citizens Access savings and CD products require a $5,000 minimum balance.
Online Savings Account – 0.50% APY, no minimum
Great For: Sometimes competitive savings rates and No Penalty CD rates with 24/7 Customer Service
Overview: Ally’s strong advertising campaigns and name recognition has made it one of the most recognized online banks. Until 2019, the savings rate was competitive. The bank also offers competitive CD products (with modest early withdrawal penalties) and no penalty CDs (with no early withdrawal penalties).
Highlights: BestCashCow user reviews cite a strong mobile app and the ease of getting into and out of No Penalty CD products. Ally often offers new and existing users a 1% cash promotion for bringing new deposits.
What to watch for: Ally is the former GMAC Bank, having been spun out following the 2009 financial crisis, and may continue to have significant exposure to used automobile loans. Depositors should therefore be especially cautious as we roll through the COVID-19 pandemic and should always maintain their deposit balances within FDIC limits. In addition, as of 2020, Ally's savings and CDs rates are no longer competitive with its peers. Some customers complain about waiting hours to reach customer service by phone at all hours. Others have expressed frustration about being inundated by Ally's nonstop cross-selling of auto loan, personal loan, credit card and online trading products.
Money Market – 0.50% APY, $100 Minimum
Great For: Competitive savings rates, great customer service
Overview: CIT Bank is a nationwide direct bank and is a division of CIT Bank, N.A., a large financial institution focused on equipment leasing that required a financial bail out from the federal government in 2009. The bank was an early entrant into the online banking space, and offered competitive savings and CD products to US customers through the internet for many years. In 2020, it has matched the savings and money market rates of other well known online banks.
Highlights: User reviews left on BestCashCow’s savings table are consistently strong with users highlighting strong and responsive customer service by phone when necessary.
What to watch for: Some have reported experiencing significant delays with both inbound and outbound transfers (during which time CIT makes the interest and not you). Also, CIT owns OneWest Bank and those with accounts at both banks should add their deposits together to be sure they do not exceed FDIC coverage.
High Yield Savings – 0.55% APY, no minimum
Great For: Stronger CD rates than many other well-known online banks.
Overview: Synchrony Bank is the former GE Capital Retail Bank that has now been spun off completely into its own institution. In the past, Synchrony offered competitive online savings and CD rates, but it is no longer competitive. Even though Synchrony is an entirely independent entity now and should not have exposure to GE's troubles, there may still be hidden exposure and depositors should remain well within FDIC insurance limits.
Highlights: User reviews on BestCashCow have in the past highlighted the availability of customer service by phone, although recent reviews are uniformly negative about customer service and note that representatives cannot be reached by chat or email.
What to watch for: Synchrony is no longer one of the most rate competitive online banks. In user reviews on BestCashCow, many have expressed frustration with its deteriorating service and long delays in processing cash transfers.
Savings Account - 0.40% APY, no minimum
Good for: Solid APY with No Minimum Balance
Overview: Barclays Bank Delaware is a division of the often-troubled UK-based Barclays PLC. In the US, its brand recognition emanates from its acquisition of Lehman Brothers, its name on an arena in Brooklyn, and its role as one of the credit card issuers for American Airlines. The US subsidiary does not have a branch network and the absence of those costs sometimes enables it to pass along competitive savings and CD rates to its customers.
Highlights: Barclays offers savings accounts with no minimum to open, 24/7 access to funds, online transfers to and from other banks, direct deposit and a mobile app.
What to watch for: Barclays Bank Delaware was not consistently competitive in raising its savings rates as the Federal Reserve increased rates in the late 2010s, but it aggressively cut its savings rate in 2019 and 2020. While it used to be a very strongly reviewed bank by BestCashCow’s users, more recent reviews cite slower ACH transfers than some competitors. With uncertainty around Brexit, BestCashCow strongly recommends that depositors at this U.S. subsidiary maintain deposits strictly within FDIC limits.
Why You Can Trust BestCashCow
Every year, Americans collectively lose at least $80 billion in income just by putting their savings in the wrong bank accounts. BestCashCow is the most comprehensive and unbiased bank rate site on the Internet and our mission is to help you to avoid your share of these losses. We monitor over 30,000 rates from over 8,000 FDIC-insured banks and 7,700 NCUA-insured credit unions. Take a few minutes to explore the table above to see the best savings rates currently offered by online banks, or use the tabs to explore local bank rates or local credit union rates if your prefer to do your banking locally.
By using BestCashCow to move your money to a new bank from one with a low savings rate you may be able to boost your annual interest earned from savings by more than 10X. Banks are always competing for your money. Take advantage of it!
You can learn more about BestCashCow here.
