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Best Bank Account Interest Rates - Summary for September 17, 2019

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Banks aren’t waiting for Wednesday’s Fed meeting to cut rates. Several online savings accounts had rate reductions in the last two weeks. If the Fed does a 25 bp rate cut on Wednesday, I’m afraid we’ll see another round of rate cuts.

Below are the noteworthy savings and money market account rate changes that have occurred in the last two weeks (All percentages are APYs):

  • Popular Direct Ultimate Savings (-10 bps to 2.40%, $5k min)
  • Quontic Bank Personal Money Market (-10 bps to 2.30%, $100k min)
  • earn.bank Money Market (-21 bps to 2.25%)
  • MySavingsDirect Savings (-15 bps to 2.25%)
  • Comenity Direct High-Yield Savings (-10 bps to 2.25%)
  • Live Oak Savings (-15 bps to 2.15%)
  • Envision Bank Savvy Savings (-12 bps to 2.15%)
  • Barclays Online Savings (-10 bps to 2.00%)
  • Synchrony Bank High Yield Savings (-15 bps to 2.00%)
  • Marcus by Goldman Sachs Savings (-15 bps to 2.00%)
  • FNBO Direct Online Savings (-10 bps to 2.00%)
  • Citizens Access Savings (-20 bps to 2.00%)
  • Capital One Money Market (-10 bps to 1.90%, $10k min)
  • Discover Bank Online Savings (-10 bps to 1.90%)

The top two rate leaders held their rates steady since the last summary.

FitnessBank savings account remains the rate leader with a 2.75% APY. This requires that the customer average 12,500 steps per day for the month as measured by a step tracker and app. The rate falls to 2.50% APY when the step average is between 10,000 and 12,500. The rate falls significantly for lower step averages. Since only some of the customers receive these high rates, FitnessBank may be able to maintain the rate lead status.

Vio Bank remains in second place with a 2.52% APY. Minimum balance is $100. Unlike FitnessBank, there are no activity requirements. If you look at Vio Bank’s CD rates, you have to wonder how long they’ll be able to keep this rate. Their highest CD rate is only 2.00% APY for either a 10-year or 7-year term. The 5-year CD rate is 1.95% APY.

Rate guarantees without withdrawal penalties

When rates are falling, the best savings and money market deals are specials that guarantee a rate for a period of time. Unfortunately, we lost two of these types of deals in the last couple of months. Earlier this month, I reported on a new one. It’s the MAX-Yield Money Market Account promotion at Sun East Federal Credit Union. The account offers 2.20% APY on balances from $5k to $250k, and the rate is guaranteed for 13 months from account opening. Withdrawals are much more limited than the average money market account. Fee-free withdrawals are restricted to only one per calendar quarter. However, that still has much more withdrawal flexibility than a no-penalty CD, and unlike a no-penalty CD, there are no deposit limitations. People from any state can join Sun East FCU by joining a foundation. Joining the credit union and opening this account can be done online.

The no-penalty CDs don’t provide the withdrawal and deposit flexibility of money market specials, but no-penalty CDs are more common, with several now available at online banks. The no-penalty CDs do provide for a rate lock with liquidity that’s not available on standard CDs. The no-penalty CD rates aren’t as high as they used to be, but they still have rates higher than the rates of many online savings accounts.

Some banks like Ally make it easy to open and close the No Penalty CDs. You just lose access to the money in the No Penalty CD for the first six days from account funding. After that, you are free to close the CD without penalty. Ally makes it very quick and easy to move the CD funds into your savings or checking account.

Below is a list of noteworthy no-penalty CDs. Recent rate cuts have occurred at Ally Bank, Goldman Sachs Bank USA, and Investors eAccess.

  • 2.10% APY 11-month No Penalty CD ($25k min) - Ally Bank
  • 2.10% APY 7-month No-Penalty CD ($500 min) - Goldman Sachs Bank USA
  • 2.05% APY 11-month No-Penalty CD ($1k min) - CIT Bank
  • 2.05% APY 6-month No-Penalty CD ($500 min) - Investors eAccess
  • 2.05% APY 11-month No-Penalty CD ($500 min) - Goldman Sachs Bank USA
  • 2.00% APY 13-month No-Penalty CD ($500 min) - Goldman Sachs Bank USA
  • 2.00% APY 13-month No-Penalty CD ($10k min) - PurePoint Financial

Remember that when talking about no-penalty CDs (that function like Ally’s No Penalty CD), a longer term is always better. Since you can close these types of no-penalty CDs at anytime after the first six days, I can’t think of a reason to choose a shorter-term no-penalty CD if the rate is the same.

Competition from Money Market Funds

Another option for your cash instead of savings accounts and money market accounts are money market funds from brokerages. These don’t have FDIC coverage, but they can be reasonable alternatives to deposit accounts. Back when the Fed was holding rates near zero, money market funds had yields of around 0.01%. Keeping your cash at internet banks made a lot more sense back then. Now, it’s not so clear. Money market fund yields have risen substantially as the Fed hiked rates. However, their yields have been falling in this current environment. Now with the Fed starting to cut rates, we will likely see larger yield cuts on money market funds.

Vanguard Prime Money Market Fund 7-day yield fell 5 bps in the last two weeks, falling from 2.12% to 2.07%. Fidelity Money Market Fund 7-day yield fell 4 bps, falling from 1.89% to 1.85%.

Municipal money market funds have the advantage of being exempt from federal income tax, but their yields continue to be quite a bit lower than the other money market funds. Vanguard Municipal Money Market Fund 7-day yield fell 7 bps to 1.24%. Fidelity’s 7-day yield fell to 0.99%.

Competition from Cash Management Accounts

More fintechs are starting to offer cash management accounts as alternatives to savings accounts from online banks. They are making these accounts look very similar to online savings accounts. Most of them have partnered with multiple banks to hold the deposits. This allows the fintech companies to distribute the deposited cash into multiple banks, allowing standard FDIC coverage above $250k.

The only change to report on the cash management accounts this week (under bank account alternatives) is Betterment Everyday Savings with its promotional rate falling slightly to 2.38% APY. Several of these accounts have rates that are tied to the federal funds rate. Thus, expect these to fall soon if the Fed does a rate cut on Wednesday.

Reward Checking Accounts

There were just two changes to the list of nationally-available reward checking accounts, and for both cases the changes are good news.

Signature Federal Credit Union increased the balance cap of its Choice Checking from $15k to $20k. Now balances up to $20k can qualify for 3.00% APY if the monthly activity requirements are met.

The other change is the addition of the Kasasa Cash account from First Security Bank & Trust. It was recently identified as a nationally-available reward checking account. The top yield is a little low for reward checking at 2.51% APY, but the balance cap is large at $50k.

Overall, reward checking accounts continue to buck the trend of falling rates. If rates keep falling, I expect we’ll see more rate and balance cap cuts on reward checking accounts. However, history has shown that reward checking accounts can sustain rates significantly higher than online savings account rates, even during a zero interest rate environment.

TAB Bank’s Kasasa Cash account remains the best deal with a 4.00% APY for balances up to $50k.

To find the highest reward checking rates and balance caps in your state or nationwide, please refer to our reward checking rate table. If you're new to reward checking, please refer to my blog post, Overview of Reward Checking and Our Reward Checking Table.

Certificate of Deposit Rates

I’m now publishing my CD survey as a separate post. Please refer to my survey of the best CD rates. This recap focuses on liquid accounts.

CD Deals: I just wanted to include this reminder of a couple of noteworthy CD deals that are available.

Navy Federal Credit Union continues to offer a 5-year CD that earns 3.25% APY. Minimum deposit is $1k. This is still the best long-term CD deal that’s nationally available for small deposits. Technically, it’s not nationally available since a military connection is required to join. However, there’s a good chance you are eligible. You only need to have a family member who served in the military at some time in the past. I have more details in my Navy Federal Certificate review.

Navy Federal still has very good deals on two short-term Certificate specials (3.00% APY for 18 months and 2.50% APY for 9 months.) Minimum deposit is only $1k, and there is no maximum deposit.

If you have trouble joining Navy Federal, USALLIANCE Financial is another option. The credit union just came out with two short-term CD specials: 15-month (2.70% APY) and 9-month (2.50% APY). Minimum deposit is $500. People from any state can join this credit union by becoming a member of an association. I have more details in my USALLIANCE Financial CD review.

If you prefer opening a CD at a bank, the top nationally available bank CD rates are available at First National Bank of America. The bank is currently offering 2.95% APY on a 7-year CD and a 2.85% APY on a 5-year CD. Its 1-year CD (2.50% APY) is also very competitive. I have more details in my First National Bank of America CD review.

This is my new weekly summary with the Fed review split off on a separate blog post. My weekly summaries will now be focused entirely on deposit rates and deals. Please keep all discussion about the Fed, the economy and politics to my Fed/Economy review blog post.

Rates as of September 17, 2019

Checking/Savings/Money Market Accounts:

  • Noteworthy Accounts Available Nationwide:
InstitutionRatesNotes
FitnessBank2.75% (requires using step tracker app and averaging 12.5k steps/daily) Fitness Savings Account - Account review
Vio Bank2.52% Online High Yield Savings - Account review
BrioDirect2.46% ($25 min)High-Yield Savings - Account review
Customers Bank2.40% ($25k min)High-Yield Savings Account - Account review
BBVA Compass2.40%ClearChoice MMA Promo - Account review
TAB Bank2.40% ($2.5k min)High Yield Savings - Account review
Popular Direct2.40% ($5k min deposit) Ultimate Savings - Account review
All America Bank2.40% (up to $50k), 0.49% ($50k+)Mega Money Market Account - Account review
Redneck Bank2.40% (up to $50k), 0.49% ($50k+)Mega Money Market Account
CIBC USA (formerly The Palladin PrivateBank)2.39%Agility Savings Account - Account review
Virtual Bank2.36% eMoney Market Special - Account review
PNC Bank2.35% Online High Yield Savings (not available in all states) - Account review
CommunityWide Federal Credit Union2.30% (penalty-free withdrawals first 5 days of each calendar quarter)High Rate Quarterly Funds Account - Account review
CIT Bank2.30% ($25k min)Savings Builder - Account review
Quontic Bank2.30% ($100k), 2.10% ($5k), 1.90% APY (up to $5k)Personal Money Market - Account review
SFGI Direct2.27%SGFI Direct Savings Account - Account review
earn.bank2.25%Money Market Account - Account review
MySavingsDirect2.25%MySavings Account - Account review
Comenity Direct2.25% ($100 min)High-Yield Savings - Account review
MemoryBank2.25% ($1 million max) Online Money Market - Account review
Western State Bank2.25% (up to $3m)High Yield Money Market - Account review
State Bank of India (IL)2.25% ($500) Savings
State Bank of India (IL)2.25% ($5k) Money Market
BMO Harris Bank2.25% ($5k)Platinum Money Market (excludes AZ, FL, IL, IN, KS, MN, MO and WI - Account review
UFB Direct2.25% ($25k min)Premium Money Market - Account review
Customers Bank2.25% ($25k min)Ascent Money Market Savings (rate guarantee through 6/30/2019 - Account review
Presidential Bank2.25% ($100k+), 1.25% ($250k+), 0.25% (less than $100k)Money Market Plus Checking - Account review
Banesco USA2.22% ($100 min)BanesGrow Savings - Account review
Sun East Federal Credit Union2.20% ($5k, 13-month rate guarantee)MAX-Yield Money Market Account - Account review
Salem Five Direct2.20% eOne Savings (up to $1m), for new customers only - Account review
HSBC Direct2.20%HSBC Direct Savings
Rising Bank2.20% ($1k min)High Yield Savings - Account review
WebBank2.20% ($1k min)High Yield Savings - Account review
Pacific National Bank2.20% ($5k min) Money Market Deposit Account - Account review
TIAA Bank2.15% (1yr intro rate), 2.00% ($100k+) 1.75% ($50k+) ongoing ratesYield Pledge Money Market - Account review
Sallie Mae Bank2.15%Money Market Account - Account review
My eBanc2.15%Super Saver Money Market - Account review
Live Oak Bank2.15% ($5 million max) Savings Account - Account review
Envision Bank2.15% ($10 min)Savvy Savings - Account review
Bank 72.15% ($100 min)High Rate Online Savings Account
USALLIANCE Financial2.15% ($500 min)High Dividend Savings - Account review
Bank 72.15% ($5k min)High Rate Online Money Market
MutualOne Bank2.12% ($1m max)Online Statement Savings - Account review
Investors eAccess2.10% (up to $2m)eAccess Money Market - Account review
Marcus by Goldman Sachs2.10%7-month No Penalty CD ($500) - Account review
Bay State Savings Bank2.10% ($5k min)Smile Worcester County Consumer Money Market - Account review
Ally Bank2.10% ($25k)No-Penalty 11-month CD - Account review
BankPurely2.10% ($25k min) PurelyMoneyMarket - Account review
iGObanking.com2.10 (25k min) MMA, New accounts and new money only - Account review
Bank5 Connect2.05% ($100 min)High Interest Savings - Account review
Marcus by Goldman Sachs2.05%11-month No Penalty CD ($500) - Account review
CIT Bank2.05% ($1k min)11-month No-Penalty CD - Account review
Investors eAccess2.05% ($500)6-month No Penalty CD - Account review
Radius Bank2.05% ($25k+), 1.50% ($2.5k+)Radius High-Yield Savings - Account review
Northpointe Bank2.05% ($25k+), 1.12% (below $25k and $1m+)Ultimate Savings - Account review
CNB Bank Direct2.05% ($25k+)Premium Money Market
First Internet Bank2.02% (no min) Money Market Savings
CFSB (Colorado Federal Savings Bank)2.02% ($50k+) Premier Savings (New customers) - Account review
M.Y. Safra Bank2.01% ($500k max), 1.75% ($500k+) MYSB Direct Online Money Market - Account review
FNBO Direct2.00%Online Savings
Synchrony Bank2.00%High Yield Savings - Account review
Barclays2.00%Online Savings - Account review
Marcus by Goldman Sachs2.00% ($500)High-Yield Online Savings Account - Account review
Sallie Mae Bank2.00%High Yield Savings - Account review
MidFirst Direct2.00%High Yield Online Savings - Account review
CFSB (Colorado Federal Savings Bank)2.00% High Yield Savings - Account review
Bethpage Federal Credit Union2.00% ($500 min)Money Market
Marcus by Goldman Sachs2.00%13-month No Penalty CD ($500) - Account review
Citizens Access2.00% ($5k min)Online Savings Account - Account review
PurePoint Financial2.00% ($10k) 13-month No-Penalty CDInternet bank Account review
PurePoint Financial2.00($10k min)Online Savings - Account review
BBVA Compass2.00% ($10k min)ClearChoice MMA Promo - Account review
NASB1.97% ($50k-$5m) High Rate Savings - Account review
BankUnitedDirect1.95%Online Money Market - Account review
UmbrellaBank.com1.91% ($25k min), 1.00% ($1k)Money Market
Ally Bank1.90%Online Savings - Account review
Discover Bank1.90% Online Savings - Account review
iGObanking.com1.90%iGOsavings - Account review
BankPurely1.90% ($1 min) SavingPurely - Account review
American Express National Bank1.90%High Yield Savings - Account review
Alliant Credit Union1.90% ($100 min)High-Rate Savings - Account review
Capital One1.90% ($10k+), 0.85% (up to $10k)360 Money Market - Account review
Northfield Bank1.85% ($225k max) Online Platinum Savings - Account review
CIT Bank1.85% ($100 min)Money Market - Account review
ableBanking1.85% ($250 min)Money Market Savings - Account review
Mutual of Omaha Bank1.85% ($1k min/$1m max)Online Money Market
MyBankingDirect1.85% ($25k+), 1.50% ($5k+), 0.25% (less than $5k) Money Market
PenFed Credit Union1.80% (up to $250k)Premium Online Savings
DollarSavingsDirect1.80%Dollar Savings Account - Account review
Quorum Federal Credit Union1.80%HighQ Savings Account
American Heritage Credit Union1.80% ($10k min)High Yield Savings (guaranteed through 12/31/2019)
EBSB Direct1.80% ($10k+), 0.80% ($2m+), 0.50% ($10+)Money Market Special 3 - Account review
Discover Bank1.80% ($100k min), 1.75% ($2.5k) MMA - Account review

Reward Checking Accounts:

  • Noteworthy Accounts Available Nationwide:
InstitutionRatesNotes
Consumers Credit Union5.09% (up to $10k), 0.20% ($10k-$25k), 0.10% ($25k+) Rewards Checking Tier A- debit card and $1k credit card requirements (Changes effective 10/1/18)
La Capitol Federal Credit Union4.25% (up to $3k), 2.00% ($3k-10k), 0.10% ($10k+)Choice Checking
Consumers Credit Union4.09% (up to $10k), 0.20% ($10k-$25k), 0.10% ($25k+)Rewards Checking Tier B- debit card and $500 credit card requirements (Changes effective 10/1/18)
TAB Bank4.00% (up to $50k), 0.25% ($50k+)Kasasa Cash - Account review
Orion Federal Credit Union4.00% (up to $30k), 0.05% ($30k+)Premium Checking - Account review
Partner Colorado Credit Union3.50% (up to $10k), 0.50% ($10k-$25k), 0.10% ($25k+)High Interest Checking
One American Bank3.50% (up to $10k), 0.25% ($10k+)Kasasa Cash - Account review
Heritage Bank3.33% (up to $25k), 0.15% ($25k+)eCentive Account
Evansville Teachers Federal Credit Union3.30% (up to $20k), 0.00% ($20k+)Vertical Checking - Account review
Dover Federal Credit Union3.25% (up to $30k), 0.25% ($30k+)Kasasa Cash - Account review
Consumers Credit Union3.09% (up to $10k), 0.20% ($10k-$25k), 0.10% ($25k+)Rewards Checking Tier C - debit card with NO credit card requirements (Changes effective 10/1/18)
Legence Bank3.05% (up to $10k), 0.25% ($10k+)Kasasa Cash
Market USA Federal Credit Union3.01% (up to $15k), 0.05% ($15k+)VIP Checking Platinum Tier - Account review
Main Street Bank3.00% (up to $30k), 0.25% ($25k+)Kasasa Cash - Account review
Elements Financial3.00% (up to $20k), 0.10% ($20k+)High Interest Checking - Account review
MainStreet Bank3.00% (up to $15k), 0.25% ($15k+)Kasasa Cash - Account review
Lake Michigan Credit Union3.00% (up to $15k), 0.00% ($15k+)Max Checking
INOVA Federal Credit Union3.00% (up to $15k), 0.70% ($15k+)Shield Checking - Account review
Signature Federal Credit Union3.00% (up to $20k), 0.10% ($20k+)Choice Checking
All America Bank3.00% (up to $10k), 0.50% ($10k+)Ultimate Rewards Checking
Redneck Bank3.00% (up to $10k), 0.50% ($10k+)Redneck Rewards Checking
Great Lakes Credit Union3.00% (up to $10k), 0.20% ($10k+)Free Checking
First Security2.51% (up to $50k), 0.20% ($25k+)Kasasa Cash - Account review
Georgia Banking Company2.50% (up to $25k), 1.00% ($25k+)Kasasa Cash - Account review
XCEL Federal Credit Union2.50% (up to $25k), 0.25% ($25k+)Kasasa Cash Checking
Envision Bank2.50% (up to $25k min), 0.15% ($25k+)Envision Max - Account review
Hanscom Federal Credit Union2.50% ($15k min), 0.40% ($15k+)Kasasa Cash Checking - Account review
Industrial Bank2.50% (up to $15k), 0.25% ($25k+)Kasasa Cash
Campus Federal2.31% (up to $10k), 0.05% ($10k+)Lagniappe Checking
New Buffalo Savings Bank2.27% (up to $15k), 0.2497% ($15k+)Kasasa Cash - Account review
Bellco Credit Union2.25% (up to $25k), 0.25% ($25k+)Boost Interest Checking - Account review
Garden Savings Federal Credit Union2.25% (up to $15k), 0.20% ($15k+)Platinum Checking
Wings Financial Credit Union2.02% (up to $25k), 0.05% ($25k+)High Yield Checking - Account review
TruStone Financial Credit Union2.02% (up to $20k), 0.10% ($20k+)TruRate Checking - Account review
BankFirst2.02% (up to $10k), 0.15% ($10k+)Kasasa Cash
Finex2.018% (up to $25k), 0.20% ($25k+)Axcess Rewards Checking, Premier Account (formerly First New England Federal Credit Union)
Bay State Savings Bank2.01% (up to $20k), 0.25% ($20k+)Kasasa Cash - Account review
Hawaii Pacific Federal Credit Union2.00% (up to $25k), 0.25% ($25k+)Kasasa Cash Checking
Northwest Federal Credit Union2.00% (up to $25k), 0.25% ($25k+)Kasasa Cash - Account review
5Star Bank2.00% (up to $25k), 0.15% ($25k+)Kasasa Cash Checking Account review
Country Bank2.00% (up to $20k), 0.25% ($20k+)Kasasa Cash Checking Account review
First Tech Federal Credit Union2.00% (up to $15k), 0.20% ($15k+)Dividend Rewards Checking
Blue Federal Credit Union2.00% (up to $15k), 0.10% ($15k+)Extreme Checking (up to 4% w/account relationships) - Account review
United Educators Credit Union2.00% (up to $10k), 0.25% ($10k+)Kasasa Cash
KS StateBank1.90% (up to $25k), 0.50% ($25k+)Check PLUS - Account review
Connexus Credit Union1.75% (up to $25k), 0.25% ($25k+)Xtraordinary Checking
Superior Choice Credit Union1.50% ($30k-$75k), 1.25% (up to $30k)AMP Checking
Axos Bank1.25% (up to $150k), 0.00% ($150k+)Rewards Checking

Certificates of Deposit:

Bank Account Alternatives - May Not Be FDIC Insured

InstitutionRatesNotes
GM Financial Right Notes2.75% ($500+)
Duke Energy PremierNotes2.65% ($50k+), 2.50% ($10k+), 2.45% (less than $10k)Duke Energy PremierNotes review
Ford Interest Advantage2.65% ($50k+), 2.50% ($15k+), 2.45% (less than $15k)Ford Interest Advantage review
Betterment2.38% Everyday Savings (promo rate) Cash Management Account
Wealthfront2.32% Cash Account Cash Management Account
Ally Financial Demand Notes2.25% ($50k+), 2.10% ($15k+), 1.90% (less than $15k)
Haven2.10% Haven Money Savings Program Cash Management Account
Vanguard Prime Money Market Fund2.07% 7-day yield
Aspiration2.00% Spend and Save Account Cash Management Account
SoFi2.00% SoFi Money Cash Management Account
Fidelity Money Market Fund1.85% 7-day yield
Vanguard Municipal Money Market Fund1.24% 7-day yield
Fidelity Municipal Money Market Fund0.99% 7-day yield

Removed, Rate Too Low

Spectrum Credit Union1.75% ($2.5k+), 0.50% ($1+) MarketEdge Money Market

Related Pages: savings accounts, money market accounts, reward checking accounts, nationwide deals, Internet banks
Comments


#1 - This comment has been removed for violating our comment policy.
Ricochet
Ricochet   |     |   Comment #6
Love my multiple 2.30% ALLY NPCD
#9 - This comment has been removed for violating our comment policy.
Happy
Happy   |     |   Comment #20
Received this letter a few days ago:

Capital One
Your check is on its way!

"Congratulations! You’ve successfully redeemed your Rewards for cash. Your check for $350.00 will be mailed within 3 business days and arrive in your mailbox at the following address within 2 weeks."

That's in addition to the $150 they already sent me. Apparently, they thought I deserve more? That's juat for opening a new Savor One card. Thank you Capital One.
Bongo
Bongo   |     |   Comment #21
Happy....thats great - however i just made $300 in two days purchasing some short term cd's using the banks money with no finance charge. Oh also Happy i will not be paying any taxes on the $300 i just made plus in the CD's I will be earning interest as well as long as I keep them open.
Nick
Nick   |     |   Comment #22
What CDs did you open?
#24 - This comment has been removed for violating our comment policy.
deplorable 1
deplorable 1   |     |   Comment #23
VIO just lowers rate to 2.42%. No point in opening this account now sticking with AllAmerica/Redneck.
Milty
Milty   |     |   Comment #30
@Dep1: Thanks for the heads up on Vio. Am afraid that's it for my 2.5% savings accounts, can only hope now that the Fed pauses its race to the bottom.
deplorable 1
deplorable 1   |     |   Comment #32
I still have Northern until the end of the year. My capped 5% savings accounts are like gold now. Even the corporate debt accounts are starting to drop. Time to start filling up the add-ons.
RichReg
RichReg   |     |   Comment #33
Yeah--VIO's definitely out of the race; but BrioDirect still @ 2.46%.
Wonder where AllAmerica/Redneck will be in December when Northern's
rate elapses....
#25 - This comment has been removed for violating our comment policy.

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