Highest Online Bank Rates for Savings And Money Market Accounts - October 28, 2020
Savings Account National Average Rate: 0.12% ?
As interest rates have come down dramatically, following the Fed’s emergency response to the virus, savings and money market rates have become very unappetizing. As of this writing, all major online banks have dropped their online rates to 0.80% APY, with some having gone to 0.60% APY. The Federal Reserve and Chairman Powell do not plan to raise interest rates (...read more in the Recent Articles section below the rate table).
| ONLINE BANKS | APY? | Vs. Nat'l Av.? | MIN? | |
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0.95% | 7.92x | $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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HR | Oct 17, 2020 Au contraire non frere. The drive to get to 12,500 daily steps is the only thing to keep me hiking and biking on grey days. I do not know what balances you are keeping, but 0.95% is a whole lot better tha... Read More |
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0.91% | 7.58x | $5,000 |
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0.90% | 7.50x | $2,500 | Learn More |
External transfers limited to $3,000 per day. |
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HEAL OUR COUNTRY WITH BIDEN | Oct 22, 2020 Was rejected for an account from CA. Too bad. - JEFF |
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0.80% | 6.67x | $25,000 | Learn More |
External transfers limited to $30,000 per week. |
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L Butler | Oct 12, 2020 I've been pleasantly surprised by how nice the folks are and how easy to work with they are. Rate stays among the best and I will stay. Read More |
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0.75% | 6.25x | $0 | Learn More |
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Travel USA | Feb 22, 2020 I have had an account with WSB for a couple of years. They have terrific customer service and good yield on moneymarket. I do recommend WESTERN STATE BANK ( and, no, I do not work there!! ) |
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0.75% | 6.25x | $1,000 | Learn More |
New money only. External transfers limited to $10,000 per week. |
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Arrrrgh! | Oct 20, 2020 I had been really happy and now I am pissed that they dropped the rate so that it is no longer competitive. |
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0.75% | 6.25x | $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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0.75% | 6.25x | $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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0.74% | 6.17x | $230,000 | Learn More |
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Lawrence Calder | Oct 18, 2020 the bank is a Minneapolis one, not national offer may present as national but it isn't also need $230,000 and that is over fdic limit |
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0.70% | 5.83x | $0 | Learn More |
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CPI34 | Oct 23, 2020 I was moderately annoyed that I could not indicate online that I did not want my CD to roll-over at maturity, and then more annoyed when they ask why I wasn't renewing (the renewal rate is below their onli... Read More |
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0.70% | 5.83x | $0 | Learn More |
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BC Weldman | Sep 13, 2020 Ridgewood is a New York bank, not a New Jerzey bank. I wanted to correct this because it means that they are moderately competent, but you will still be better off with a real online bank. |
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0.70% | 5.83x | $0 | Learn More |
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Summit Girl | Sep 03, 2020 This is the best bank on the list. Great service, competitive rates, no problems. |
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0.70% | 5.83x | $0 | Learn More |
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Dave J | Oct 22, 2020 Ziggi, I have lived in southern NH for the past 4 years and I have had a good relationship with Primary Bank, but I would not open an account with them and try to correspond by phone or email for a few fra... |
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0.70% | 5.83x | $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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0.70% | 5.83x | $100,000 | Learn More |
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Taykadip | Jan 04, 2020 I am surprised at all the negative reviews. I have had several large CDs at this bank for several years, and I've gotten the best customer service I've ever gotten at any bank in the last 45 years. Read More |
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0.70% | 5.83x | $300,000 | Learn More |
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Aberfoyle98 | Aug 04, 2020 Read the reviews, but did not have the same experience. I was blown away by the exceptional customer service! There are easy ways to avoid paper statement fees (like setting up Estatements). Love this bank... Read More |
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0.67% | 5.58x | $500 | Learn More |
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Color me disappointed | Sep 04, 2020 I opened an account a couple of months ago when the rates were higher. I reviewed the statements and discovered they had been automatically charging me a $5 monthly service fee. Sneaky! I couldn't reach an... Read More |
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0.66% | 5.50x | $0 | Learn More |
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LOCK TRUMPS UP | Sep 28, 2020 Skip this one Read More |
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0.65% | 5.42x | $0 | Learn More |
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VP Michael Penis | Oct 24, 2020 Avoid any bank that lowers its savings rate from 0.90% to 0.65% without any notice to customers. just avoid it. |
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0.65% | 5.42x | $0 |
Learn More
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0.65% | 5.42x | $5 |
Learn More
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0.65% | 5.42x | $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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0.61% | 5.08x | $0 | Learn More |
Bank charges ACH transfer fees and routinely lowers rates for existing customers below those advertised. See reviews. |
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HE Jonas | Oct 24, 2020 I figured I would address some of the issues and complaints here. I am a customer. Limitations and charges on ACH transfers can be avoided by initiating in and out transfers from an outside bank. I use Ame... Read More |
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0.60% | 5.00x | $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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0.60% | 5.00x | $0 | Learn More |
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Not a bank but a scam | Aug 22, 2020 You can ignore this note and go ahead with these guys, but you will regret it. Read More |
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0.60% | 5.00x | $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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0.60% | 5.00x | $0 | Learn More |
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JBMoney | Sep 08, 2020 I have been a customer for years and have never had a bad experience. These days I really appreciate how they are keeping their savings rates competitive. .8% is lousy, but it is very competitive. Read More |
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0.60% | 5.00x | $0 | Learn More |
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Pjamas | Sep 14, 2020 two thumbs up Read More |
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0.60% | 5.00x | $1 | Learn More |
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Wally | Oct 27, 2020 Had a 1 yr CD renew without my knowledge. No notice, nothing. 12 days passed and now they want to charge me a penalty. Rate is miserable and money cannot stay there. Not very nice. Read More |
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0.60% | 5.00x | $1 | Learn More |
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Del | Oct 03, 2020 I cannot overstate how incompetent Synchrony is. Even though I called multiple times before my CD was coming due to indicate that I didn't want it to autorenew, they autorenewed it. This could only have b... Read More |
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0.60% | 5.00x | $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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0.60% | 5.00x | $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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0.60% | 5.00x | $25 | Learn More |
Bank holds inbound and outbound transfers for extended periods without paying interest. See reviews. |
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Ben C | Oct 06, 2020 Worst bank in the world, they charge for everything, they wont even let you pull large sums out of your account without charging you fees. Never work with these guys! Read More |
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0.60% | 5.00x | $100 | Learn More |
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Duck | May 05, 2020 We had a great experience setting up two CDs. Maybe they have heeded the past bad reviews? Read More |
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0.60% | 5.00x | $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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0.60% | 5.00x | $1,000 |
Learn More
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0.60% | 5.00x | $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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0.60% | 5.00x | $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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0.60% | 5.00x | $25,000 | Learn More |
New account holders only. |
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Igoaway | Aug 31, 2020 Service doesn't work and I cannot believe I chased a 1% CD. Avoid. Read More |
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0.60% | 5.00x | $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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0.55% | 4.58x | $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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0.55% | 4.58x | $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% | 4.58x | $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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0.55% | 4.58x | $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% | 4.58x | $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% | 4.58x | $25,000 | Learn More |
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Don | Jan 05, 2018 No longer available as of 11/2017 |
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0.55% | 4.58x | $150,000 | Learn More |
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LaBronne | Jul 15, 2020 My experience has been OK. Better than those of others. It is a local bank with an online presence and the rate always falls about 3 weeks after everybody else has dropped theirs. |
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0.50% | 4.17x | $0 | Learn More |
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Jason A Ridgway | May 14, 2020 I recently opened an account. Easy process, great interface, great rate. Negative reviews here are dated. This is the best rate around when they are giving any bonuses. Read More |
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0.50% | 4.17x | $0 | Learn More |
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Trump for Jail 2020 | Aug 06, 2020 This bank does not provide email notice of changes in savings account rates the way that other online banks do. Otherwise, it is the best one of these places to work with. |
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0.50% | 4.17x | $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% | 4.17x | $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% | 4.17x | $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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0.49% | 4.08x | $25,000 |
Learn More
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0.45% | 3.75x | $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% | 3.75x | $1,000 |
Learn More
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0.45% | 3.75x | $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% | 3.33x | $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% | 3.33x | $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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0.40% | 3.33x | $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% | 3.33x | $10,000 |
Learn More
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0.40% | 3.33x | $25,000 | Learn More |
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Peter | Jun 08, 2020 Bait and switch. 1.5% advertised at UFBDirect. Registering switches to Nationwide Online, then to Axos. Open account and (you guessed it) 1.3%. Read More |
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0.35% | 2.92x | $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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0.32% | 2.67x | $100,000 | Learn More |
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Lawrence Calder | Oct 18, 2020 the bank is a Minneapolis one, not national offer may present as national but it isn't also need $230,000 and that is over fdic limit |
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0.26% | 2.17x | $100 |
Learn More
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0.25% | 2.08x | $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% | 2.08x | $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% | 2.08x | $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% | 2.08x | $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% | 2.08x | $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% | 2.08x | $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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0.20% | 1.67x | $1,000 |
Learn More
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0.15% | 1.25x | $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% | 1.25x | $100,000 |
Learn More
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0.13% | 1.08x | $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% | 0.67x | $1 | Learn More |
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ruler009 | May 26, 2017 Before009 Read More |
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0.05% | 0.42x | $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% | 0.42x | $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% | 0.42x | $100,000 |
Learn More
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0.01% | 0.08x | $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, October 2020
Online Savings - 0.60% 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 – 0.60% 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 – 0.60% 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 – 0.55% 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 – 0.60% 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 - 0.50% 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.
