MoneysMyLife

Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus CheckingSM account and set up direct deposit. This is our recommended Checking account for the added benefits. Full Review
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HSBC $750 Checking BonusGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.
Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities.
Member FDIC.
Chase Total Checking And Savings $350 CouponGet up to $350 when you open a new Chase Total Checking® account with Direct Deposit and/or open a new Chase SavingsSM account, deposit $10,000 or more in new money and maintain a $10,000 balance for 90 days. Full Review
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Chase Business Checking $200 Bonus 1Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 20 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. Full Review
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Chase College Checking BonusGet $100 as a new Chase checking customer when you open a Chase College CheckingSM account, enroll in paperless statements and complete 10 qualifying transactions within 60 days of account opening. Full Review
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TD Bank $300 Checking Account BonusOpen a new TD Bank Premier CheckingSM account online to earn a $300 bonus. Or, open a new TD Bank Convenience CheckingSM account online to earn a $150 bonus. Both offers have a direct deposit requirement. Full Review
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Barclaycard Arrival Plus $600 BonusWith the Barclaycard Arrival® Plus World Elite Mastercard® you can earn 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee. Redeem toward qualified travel purchases and these 60K points will be worth $600. See Terms. Full Review
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Barclays Arrival $250 BonusEarn 75,000 miles worth $750 each and every year with the Barclays Arrival® Premier World Elite Mastercard® when you spend at least $25,000 during the year. This card earns unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review
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CIT Bank Money Market PromotionOpen an online Money Market Account from CIT Bank (available nationwide) and earn a 1.85% APY rate on all balances. There’s no monthly service charge and the minimum opening deposit is just $100. Full Review
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Ally Invest BonusAlly Invest has a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades for 90 days. Ally Invest is one of the best options for a low-cost stock broker. Full Review
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Synchrony Bank Online Savings, CD, Money Market Promotions

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Synchrony Bank (which used to be known as GE Capital Retail Bank) is an online bank that offers Savings, Money Market, CD and IRA accounts with great rates.

While Synchrony Bank does have one physical branch in Bridgewater, New Jersey, you should consider this an Online Bank for all intents and purposes. You’ll get great rates and low fees similar to other online banks. One downside to Synchrony Bank is that they don’t have a Checking account option. More top online Checking accounts can be found reviewed here.

Synchrony Bank Breakdown
Pros Cons
Mobile-optimized site instead of a mobile app No person-to-person transfers
Great website navigation and layout with useful savings calculators There is no mobile app, which can be a letdown for some
You get a daily mobile deposit limit of $10,000 after you’ve been a customer for six months No chat line for customer support
Participates in the Plus, NYCE and STAR networks for ATMs Only one branch, in Bridgewater, New Jersey. This should be considered more of an Online Bank anyway.
For money market account holders, Synchrony refunds up to $5 per statement cycle for ATM fees charged by other banks

MoneysMyLife Top Offer Picks

Chase Bank BonusesWith 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
HSBC Checking BonusesGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.
TD Bank $300 Checking BonusApply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review 
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Barclaycard Arrival Plus BonusBarclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review 
CIT Savings OfferCIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review
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Ally Invest BonusAlly Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review
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Simple Bank BonusSimple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review
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Synchrony Bank High Yield Savings Account Features

Update History:
07/28/2018: Synchrony Bank raises Savings rate from 1.75% APY to 1.85% APY.
06/10/2018: Synchrony Bank raises Savings rate from 1.65% APY to 1.75% APY.
05/08/2018: Synchrony Bank raises their Savings rate from 1.55% APY to 1.65% APY
02/22/2018: Savings rate increases from 1.50% APY to 1.55% APY
02/08/2018: Savings rate increases from 1.45% APY to 1.50% APY
01/18/2018: Savings account rate increases from 1.30% APY to 1.45% APY
09/23/2017: Savings account rate increases from 1.20% APY to 1.30% APY
07/23/2017: Savings account rate increases from 1.15% APY to 1.20% APY
06/05/2017: Savings account rate increases from 1.05% APY to 1.15% APY
More History
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No minimum balance or monthly service fee to worry about with this account.

  • Current rate: 1.85% on all balances. Many banks will offer tiered rates for different balances.
  • Rates are much higher than the national average
  • You can make withdrawals online, over the phone or with your ATM card
  • Choose to control your money through the online banking portal, or by speaking with a bank representative
  • Funds are FDIC insured up to $250,000 per depositor, per insured bank, for each ownership category
*The number of electronic and telephone transactions you can make with your High Yield Savings account is limited to six withdrawals per statement cycle by federal regulations.

Opening A High Yield Savings Account

In order to open a Synchrony Bank High Yield Savings account,  all you need is:

  • Your Driver’s License or Military ID or State ID Number
  • Your social security number

This can be done online or in person at their branch in Bridgewater, New Jersey. Outside of this location, Synchrony Bank handles most of it’s business and client transactions online or via telephone. Customer service is available from 8am to 10pm Eastern time to assist banking clients. They also use a relay service for the hearing impaired.

Author’s Verdict

Overall, Synchrony Bank is a great option for people who want a low fee incurring account to store their money with the added benefit of interest. But if you want a Checking account and in-person banking options, you may want to look elsewhere. You might also want to compare this Savings account to the HSBC Direct and CIT Bank Savings online accounts. Stay up-to-date with all the best Savings/Money Market accounts here, including a great Savings offer from Chase Bank. More top Savings account options below:

Synchrony Bank CD Accounts

Synchrony Bank actually has some of the best CD rates currently in the market for certain CD terms.

See the CD terms, rates, and minimum balance requirements below.

Update History:
08/21/2018: Synchrony Bank raises rate on 12 Month to 60 Month CD terms.
08/07/2018: Synchrony Bank raises rate on 12 Month CD term.
07/16/2018: Synchrony Bank raises rate on 12 Month CD term.
07/02/2018: Synchrony Bank raises 18 & 24 Month CD rates.
06/10/2018: Synchrony Bank raises 18 Month CD rate from 2.15% APY to 2.35% APY.
05/27/2018: Synchrony Bank raises CD rates for 12 Month, 24 Month, 36 Month, 48 Month, 60 Month CDs.
04/11/2018: Synchrony raises rates on 12 to 60 month CDs.
03/16/2018: 3, 6, 9, 24 Month CD terms get rate increases
02/22/2018: 12 Month CD term gets rate increase
02/08/2018: 12 Month, 24 Month, 36 Month, 48 Month, 60 Month CD terms get rate updates
01/18/2018: 12 to 60 Month CD terms all get rates increases
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Terms $2,000 Or More
APY
3 Month 0.75%
6 Month 1.00%
9 Month 1.25%
12 Month 2.45%
18 Month 2.55%
24 Month 2.65%
36 Month 2.70%
48 Month 2.80%
60 Month 3.00%

Compare To These CD Accounts:

I’d recommend also looking at the BBVA Compass and CIT Bank CD accounts, as well as the top current choices below. Compare all the best nationwide CD rates here.

Synchrony Bank Money Market Account

Synchrony Bank also has a Money Market account with good rates, but their Savings account is actually better currently. There is no minimum balance requirement or monthly service fee for this account.

Update History:
07/28/2018: Synchrony Bank raises Money Market rate to 1.15% APY.
01/18/2018: Money Market rate finally gets a rate increase from 0.85% APY to 1.05% APY
More History
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Money Market Rates
Deposit Amount APY
Up to $4,999 1.15%
$5,000-$24,999 1.15%
$25,000+ 1.15%

Compare To These Money Market Accounts:

CIT Bank and BBVA Compass  both have popular Money Market Accounts you should compare with. See more top options below.


Customers Bank Online Money Market Savings Rate Offer: 2.25% APY

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Originally established in 1997 as New Century Bank, Customers Bank got its updated name in 2011 and is headquartered in Phoenixville, Pennsylvania.

They only have physical branches across Pennsylvania, New Jersey and New York, but often have online offers available nationwide.

I’ll review any such offers below.

The Ascent Money Market Savings Rate Offer: 2.25% APY

Customers Bank Ascent Money Market Savings Account

Customers Bank has a great rate offer for their Ascent Money Market Savings account that is available online, nationwide.

  • Current rate offer: 2.25% APY (guaranteed thru June 30, 2019)
  • Balances below $25,000 earn no interest
  • Available online, nationwide
  • $25,000 minimum balance to earn the stated APY
  • No maximum balance restrictions for the stated APY
  • No minimum balance fee on this account
  • FDIC insured
  • Up to 6 withdrawals per month
Learn More

Compare With Top Savings Accounts

See all the best Savings/Money Market rates here, including great rates from HSBC Direct, CIT Bank and BBVA Compass. Be sure to see these Savings bonus offers as well, including a good one from Chase Bank.


MoneysMyLife Top Offer Picks

Chase Bank BonusesWith 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
HSBC Checking BonusesGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.
TD Bank $300 Checking BonusApply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review 
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Barclaycard Arrival Plus BonusBarclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review 
CIT Savings OfferCIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review
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Ally Invest BonusAlly Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review
Learn More
Simple Bank BonusSimple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review
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VIO Bank Offers Great Rates For Online Savings & CD Accounts

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Vio Bank is the new online banking division of MidFirst Bank, which is one of the five largest privately owned financial institutions in the United States.

Accounts offered by Vio are available online, nationwide and are going to be much better than rates from traditional banking networks.

Let’s see the rate offers from Vio below.

Vio Bank High Yield Online Savings Account Rate Offer: 1.90% APY

VIO Bank Savings Offer

  • Current rate offer: 1.90% APY
  • Available online, nationwide
  • Flexibility to grow your money and access it when needed
  • They regularly monitor the competition to ensure their rates are some of the best in the nation
  • Interest is compounded daily, growing your money fast
  • Your money is FDIC insured up to $250,000, the maximum allowed by law
  • Only $100 minimum to open
  • 6 free withdrawals per monthly statement cycle
  • No monthly fee
Learn More

Compare Top Savings Accounts

See the nation’s best Savings rates here. CIT Bank, BBVA Compass and HSBC Direct offer popular Savings/Money Market accounts. Also, take a look at these Savings bonuses, including a great offer from Chase bank.

MoneysMyLife Top Offer Picks

Chase Bank BonusesWith 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
HSBC Checking BonusesGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.
TD Bank $300 Checking BonusApply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review 
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Barclaycard Arrival Plus BonusBarclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review 
CIT Savings OfferCIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review
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Ally Invest BonusAlly Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review
Learn More
Simple Bank BonusSimple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review
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Vio Bank Online CD Account Offers

VIO Bank CD Offers

  • Accounts available online, nationwide
  • Earning power of investing your money at a guaranteed rate of return
  • They regularly monitor the competition to ensure their rates are some of the best in the nation
  • Interest is compounded daily, growing your money fast
  • Your money is FDIC insured up to $250,000, the maximum allowed by law
  • Terms ranging from 6 months to 10 years, and only $500 minimum to open

Rates

CD Term APY
6 Month 2.00%
9 Month 2.10%
12 Month 2.50%
15 Month 2.55%
18 Month 2.60%
24 Month 2.65%
36 Month 2.75%
48 Month 3.00%
60 Month 3.05%
84 Month 3.10%
120 Month 3.15%
Learn More

Compare Top CD Accounts

See the nation’s best CD rates here. Banks like BBVA Compass and CIT Bank have some good rates for certain term lengths. 

Best Savings Accounts And High Yield Rates August 2018

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Do you need to find out which bank has the best Savings Account rates? Or, how about which has the best Money Market interest rates? Maybe you need a quick overview of the differences between the two types of interest-earning accounts to begin with.

We’ll go over all of these questions and help you find the best interest rates available.

Our other top bank guides:

Savings Vs. Money Market Accounts

First things first, let’s go over what a Money Market account is (MMA for short). Most people have a pretty good idea of what a traditional Savings Account is.

The two are VERY similar, and most banks will offer both types of accounts. The table below will summarize the key similarities and differences.

Similarities Differences
Both are simple and straightforward to open. Money Market accounts typically have more Checking-like features, such as electronic funds transfers, checks, debit cards and ATM withdrawals.
Both will be FDIC insured, keeping your deposits safe. Savings accounts generally only allow access to fund via electronic funds transfers, telephone withdrawals, or in-person withdrawals at a branch.
Both accounts will be limited on certain types of withdrawals per billing cycle (6 is the limit for these certain types by law). As you’ll notice below, Money Market accounts often require higher minimum balances to earn the rate.

While the minimum balance requirements may vary, most of the banks with the best rates keep the rates fairly competitive between their High Yield Savings and Money Market accounts. Also, it isn’t always the case that the Money Market account from the same bank will have better rates than its Savings account.

Aside from the interest rates, the other main deciding factor will be how you’ll need access to your funds (you’ll have more options with Money Market Accounts). A lot of people consider MMAs more a hybrid Checking/Savings account, with its limited Checking capabilities. Keep in mind, many banks limit you on the amount of check writing per month. Both a Savings and Money Market account are limited by the Federal Reserve on the total number of transactions a month.

Most consumers will choose a Money Market account for the flexibility of an emergency fund, and a Savings account for longer-term earnings. If all you’re looking for is an account to hold your savings and earn interest, simply choose the account with the best rates (assuming you can meet any minimum balance requirement).

Where To Get The Best Interest Rates?

We’ve searched through all the best rates from credit unions, local/national traditional banks, and online banks. Credit unions and traditional banks operate via brick-and-mortar locations and accumulate more overhead costs. They simply can not compete with the rates provided by online banks.

Online banking is trending up and more consumers are taking advantage of the benefits. Most people just haven’t learned about the higher rates, or are just more comfortable with big local banks. In terms of deposit security concerns, remember that your deposits are FDIC insured from all the banks listed on this page. Most of these online banks have been around for years or decades, and many are actually just the online division of a bigger, established banking group. Once you start looking at the rates provided by internet-only banks, you’ll find they’re better with all accounts – Checking, CDs, IRAs, etc.

Even when taking into account the rates provided by credit unions and traditional banks, all the best rates available nationwide are from online banks. Down below, we’ve compiled the best Savings and Money Market accounts by category and also go over special promotions offered by several banks.

Best Savings Accounts By Category

Besides the interest rates, there may be other factors that can influence your choice of Savings account. We’ll discuss below how certain banks specialize in particular areas.

Best Rate & Features: CIT Bank Savings (Available Nationwide)

CIT Bank No Penalty CD Offer

CIT Bank is now offering one of the best rates at 1.55% APY on all balances (*see their Money Market account below for an even better rate). Previously their highest rate was capped at $250,000. The minimum opening deposit is only $100 and there are no fees open or maintain the account, which compounds interest daily.

Learn More

Best Bonus: Chase SavingsSM

While the APY rate isn’t great, the Chase SavingsSM account usually has a great sign-up bonus that is very popular. Plus, they are the second biggest bank in the nation and offer a full range of services. There’s typically a $100-$150+ offer, where you’ll have to deposit a sum of money and maintain that balance for a specified amount of time required for the bonus. Get all the details with our Chase promotions review here.

Learn More

*We keep an updated list of Savings Account bonuses here

Best Savings From A Major Bank: HSBC Direct Savings (Available Nationwide)


HSBC Bank is offering 1.80% APY. The minimum balance to earn this APY is just $1. There is no monthly maintenance fee, and you’ll have 24/7 online account access. Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking. Member FDIC.

  • Earn 1.80% APY on all balance tiers
  • No monthly maintenance fee
  • Minimum balance to earn APY is $1
  • Apply online today
  • Move money quickly and access your funds using online transfers
  • Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking
  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
Learn More

Best High Yield Savings With ATM Access

Synchrony Bank consistently offers one of the highest rates with their Savings account, and it comes with the convenience of an ATM card. Get all the benefits on an online-only bank, with no monthly fee or minimum balance requirements. There’s also a rewards program where you can earn discounts on car rental, hotels, spas, etc.

Learn More

All The Best High Yield Savings Account Rates

*Accounts below are all available nationwide

*Update History:
08/15/2018: Marcus by Goldman Sachs raises Savings rate to 1.85% APY.
08/07/2018: Barclays increases Savings rate from 1.75% APY to 1.85% APY. FNBO Direct raises Savings rate from 1.75% APY to 1.85% APY. Alliant CU increases High Yield Savings rate from 1.70% APY to 1.75% APY.
08/04/2018: Popular Direct updates Savings rate to 2.00% APY. Community Bank raises Premier Money Management rate from 1.66% APY to 1.74% APY.
07/31/2018: Synchrony Bank raises Savings rate from 1.75% APY to 1.85% APY.
07/22/2018: Live Oak Bank raises Savings rate from 1.70% APY to 1.80% APY. Colorado Federal Savings Bank raises rates on High Yield Savings and Premier Savings accounts. Utah First CU increases Dedicated Savings rate to 2.00% APY.
07/18/2018: Discover raises Online Savings rate to 1.75% APY. Bank5 Connect increases Savings rate from 0.90% APY to 2.05% APY. HSBC Direct raises Savings rate to 1.80% APY.
07/15/2018: Quorum Federal CU raises HighQ Savings rate from 1.25% APY to 1.75% APY. Northpointe Bank decreases Ultimate Savings rate from 2.05% APY to 1.95% APY. Alliant CU increases High Yield Savings rate from 1.60% APY to 1.70% APY. SmartyPig raises Savings rate from 1.45% APY to 1.55% APY.
07/07/2018: Salem Five Direct raises eOne Savings account rate up to 2.05% APY.
07/03/2018: Barclays increases Savings rate to 1.75% APY. Ally Bank raises Online Savings rate from 1.60% APY to 1.75% APY.  American Express increases Savings rate from 1.65% APY to 1.75% APY. Sallie Mae raises Money Market rate to 1.90% APY and raises High Yield Savings rate to 1.75% APY.
06/29/2018: HSBC Direct increases Savings rate to 1.70% APY with a minimum balance of $1 to earn the stated APY.
06/28/2018: Sallie Mae raises High Yield Savings rate to 1.65% APY. Newtown Savings Bank increases their NSBiSavings account rates for balances of greater than $50,000.
06/24/2018: SmartyPig raises Savings rate from 1.40% APY to 1.45% APY. Incredible Bank increases Savings rate for balances $25k and above to 1.88% APY. 06/23/2018: Heritage Bank raises Savings rate for balances of $100,000 and up. Marcus by Goldman Sachs raises Savings rate to 1.80% APY.
06/19/2018: Discover raises Online Savings rate to 1.65% APY. FNBO Direct raises Savings rate to 1.75% APY. PurePoint raises Savings rate to 1.90% APY. SFGI increases Savings rate to 1.81% APY. Alliant CU increases High Yield Savings rate from 1.50% APY to 1.60% APY.
06/12/2018: American Express increases Savings rate from  1.60% APY to 1.65% APY. Synchrony Bank raises Savings rate from 1.65% APY to 1.75% APY. Discover Bank raises Savings rate to 1.60% APY. 
05/28/2018: American Express increases Savings rate from 1.55% APY to 1.60% APY.
05/24/2018: Utah First increases Dedicated Savings rate to 1.30% APY. Northpointe Bank increases Ultimate Savings rate to 2.05% for balances above $25,000. E*TRADE Bank’s online Savings account with a 1.50% APY added to the list. HSBC Direct increases Savings rate from 1.50% APY to 1.60% APY. Popular Direct updates Savings rate to 1.85% APY. Barclays increases Savings rate to 1.65% APY. 
05/21/2018: Marcus by Goldman Sachs raises Savings rate to 1.70% APY. Radius Bank increases High Yield Online Savings rate to 1.86% APY. 
05/20/2018: MutualOne Bank raises Online Savings rate to 1.81% APY. SFGI increases Savings rate from 1.51% APY to 1.61% APY.
05/15/2018: Amboy Direct raises Savings and Money market rate to 1.26% APY. Incredible Bank increases Savings rate for balances of $25k+ to 1.82% APY.
05/11/2018: Ally Bank raises Online Savings rate from 1.45% APY to 1.60% APY.
05/10/2018: Synchrony Bank raises their Savings rate from 1.55% APY to 1.65% APY. Alliant CU increases High Yield Savings rate from 1.45% APY to 1.50% APY. American Express increases Savings rate from 1.45% APY to 1.55% APY.
05/02/2018: Online Savings rate of 1.60% APY from Amalgamated Bank added.
05/01/2018: Goldwater Bank Savings rate added.
04/27/2018: Sallie Mae raises High Yield Savings rate to 1.55% APY.
04/25/2018: Radius Bank raises High Yield Online Savings rate to 1.50% APY. Marcus by Goldman Sachs raises Savings rate to 1.60% APY.
04/22/2018: PurePoint raises Savings rate to 1.75% APY. SmartyPig raises Savings rate to 1.40% APY. 
04/11/2018: EverBank raises Money Market rate to 1.50% APY.
04/05/2018: Popular Direct raises Savings rate to 2.00% APY. Utah First Federal CU Savings rate of 1.25% APY added.
03/30/2018: Live Oak Bank raises Savings rate to 1.70% APY. Sallie Mae increases Hield Yield Savings rate to 1.45% APY.
03/25/2018: Incredible Bank raises Savings rate to 1.76% APY for balances of $25,000 and above
03/19/2018: Salem Five Direct raises eSavings rate to 1.85% APY
03/15/2018: FNBO Direct raises Online Savings rate to 1.60% APY
03/13/2018: Discover Bank raises Savings rate to 1.50% APY
03/09/2018: DollarSavingsDirect makes a big increase to 1.80% APY with their Savings account
03/07/2018: Popular Direct increases Savings rate to 1.65% APY
02/22/2018: Synchrony Bank increases Savings rate to 1.55% APY
02/21/2018: Sallie Mae gets rate increases for Savings and Money Market accounts
02/21/2018: Quorum Federal CU increases Savings rate to 1.25% APY
02/14/2018: MutualOne Bank’s Online Savings account with a 1.61% APY rate is added to the list
02/13/2018: Alliant CU raises Savings rate from 1.30% APY to 1.45% APY
02/13/2018: Ally Bank raises Savings rate to 1.45% APY
02/08/2018: Synchrony raises Savings rate to 1.50% APY
02/08/2018: PurePoint Financial raises Savings rate to 1.60% APY
02/06/2018: SFGI Direct raises Savings rate to 1.51% APY
02/06/2018: American Express raises Savings rate to 1.45% APY
01/31/2018: Alliant raises Savings rate to 1.30% APY
01/30/2018: Bank of Internet raises Savings rate to 1.30% APY
01/25/2018: Popular Direct raises Savings rates to 1.50% APY
01/24/2018: Barclays raises Savings rate to 1.50% APY
01/19/2018: Ally Bank raises Savings rate to 1.35% APY
01/19/2018: FNBO Direct increases Savings rate to 1.40% APY
01/19/2018: Discover Bank increases Savings rate to 1.40% APY
01/19/2018: Live Oak Bank increases Savings rate to 1.60% APY
01/18/2018: Barclays Savings rate increases to 1.40% APY
01/18/2018: Synchrony Savings rate increases to 1.45% APY
01/17/2018: Goldman Sachs Bank is now Marcus by Goldman Sachs. Online Savings rate has been updated.
01/04/2018: CIT Bank raises Premier High Yield Savings rate to 1.55% APY, which now applies to all balances
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MoneysMyLife Top Offer Picks

Chase Bank BonusesWith 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
HSBC Checking BonusesGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.
TD Bank $300 Checking BonusApply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review 
Learn More
Barclaycard Arrival Plus BonusBarclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review 
CIT Savings OfferCIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review
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Ally Invest BonusAlly Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review
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Simple Bank BonusSimple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review
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Best Money Market Accounts By Category

Simply use our list below to find the best rates, but we’ll go over a few Money Market accounts that stand out in certain areas.

Best Rated Overall: CIT Bank (Available Nationwide)

CIT Bank Money Market Promotion Q2 2018

Earn a great Money Market rate (1.85% APY) from a trusted bank with CIT. The minimum opening deposit is just $100 and you’ll be able to make deposits/transfers/withdrawals with this account (up to 6 of such transactions each month per federal regulation). CIT Bank’s Money Market account also works with People Pay, a free service that allows you to send money from your Money Market account to almost anywhere with an email address or mobile phone number.

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Best For High Balances: BBVA Compass (Available Nationwide)

BBVA Compass Money Market 1.70 Offer

Some Money Market accounts have maximum account limits for earning the highest APY rate. The one from BBVA Compass is a good fit if you’re planning to maintain a very high balance. You can earn their highest interest rate (1.70% APY) on ALL balance amounts now (previously only applied to balances from $10,000 to $5 million), with their BBVA Compass ClearChoice MMA. Be sure that you can maintain a minimum $10,000 balance to waive the Monthly Fee. You can also set up a recurring $25 monthly transfer from a BBVA Compass Checking account to waive the fee also.

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Lowest Minimum Deposit Required: Ally Bank & Sallie Mae (Available Nationwide)

Most Money Market Accounts with the best interest rates require a minimum opening deposit. Accounts from Ally Bank and Sallie Mae allow you to open an account with as little as $1.

Best Money Market Account Rates

*Accounts below are all available nationwide

Update History:
07/31/2018: AbleBanking raises Money Market Savings rate from 1.70% APY to 1.85% APY. BankPurely raises Money Market rate from 1.70% APY to 2.00% APY. Synchrony Bank raises Money Market rate to 1.15% APY.
07/23/2018: Added Memory Bank’s Online Money Market 1.85% APY offer to list. iGOBanking increases Money Market rate from 1.70% APY to 2.00% APY.
07/18/2018: Discover Bank raises rates on Money Market account to 1.60%/1.65% APY. Capital One 360 raises Money Market rate from 1.60% APY to 1.75% APY.
07/16/2018: TIAA Bank raises Money Market rate from 1.50% APY to 1.60% APY.
07/05/2018: Northern Bank Direct decreases Money Market rate to 1.51% APY.
06/28/2018: Sallie Mae raises Money Market rate to 1.75% APY. 
06/25/2018: First Internet Bank raises Money Market rate to 1.36%/1.66% APY. 
06/19/2018: Northern Bank Direct raises Money Market rate to 2.26% APY. Discover Bank raises rates on Money Mark account to 1.50%/1.55% APY.
06/13/2018: Discover Bank raises rates on Money Market account to 1.45%/1.50% APY. 
06/01/2018: BBVA Compass raises online Money Market rate to 1.70% APY.
05/24/2018: CIT Bank raises Money Market rate to 1.85% APY. 
05/21/2018: Virtual Bank increases eMoney Market introductory rate to 2.01% APY.
05/20/2018: Community Bank raises Premier Money Management rate to 1.65% APY. Discover Bank raises rates on their Money Market account to 1.40%/1.45% APY. 
05/15/2018: EBSB increases Money Market special rate to 1.80% APY.
05/04/2018: Top Money Market rate from Investors Bank added to the list.
05/03/2018: BBVA Compass raises their online Money Market rate to 1.50% APY for all balances.
05/01/2018: Goldwater Bank Money Market rate added.
04/29/2018: Pacific National Bank raises online Money Market rate to 1.45% APY.
4/27/2018: Sallie Mae raises Money Market rate to 1.65% APY. Capital One 360 raises Money Market rate to 1.60% APY.
04/25/2018: First Internet Bank raises rates for Money Market account.
04/22/2018: EBSB raises Money Market rate to 1.57% APY for balances of $10,000 to $2,000,000.
03/31/2018: Community Bank increases Money Market rate to 1.50% APY. Virtual Bank offers a special eMoney Market rate guaranteed for 1 year at 1.77% APY. 
03/30/2018: iGOBanking raises Money Market rate to 1.70% APY. Sallie Mae increases Money Market rate to 1.55% APY. BankPurely adds a Money Market account with a 1.70% APY rate to its lineup.
03/14/2018: CIT Bank introduces their online Money Market account with a 1.75% APY rate
03/13/2018: Discover raises Money Market rates to 1.35%/1.40% APY
02/26/2018: First Internet Bank increases Money Market rates to 1.16% APY/1.41% APY
02/26/2018: California First National Bank decreases Money Market rate to 1.16% APY
02/23/2018: BBVA Compass raises Money Market rate to 1.40% APY
02/18/2018: Capital One 360 raises Money Market rate to 1.50% APY
02/06/2018: Nationally available Money Market account from Connexus Credit Union added to the list
02/02/2018: EverBank raises Money Market rate to 1.41% APY
02/01/2018: iGOBanking raises Money Market rate to 1.50% APY
01/30/2018: UFB Direct raises Money Market rate to 1.60% APY
01/22/2018: California First National Bank gets slight rate increase to 1.25% APY
01/18/2018: Synchrony Money Market rate increases from 0.85% APY to 1.05% APY
01/18/2018: Sallie Mae Money Market rate increases to 1.45% APY
01/18/2018: My eBanc raises Money Market rate to 1.50% APY
01/16/2018: Northern Bank Direct raises Money Market rate to 1.51% APY
01/15/2018: ableBanking raises Money Market rate to 1.70% APY to lead the market
12/18/2017: Discover Money Market rates increase to 1.15%/1.20% APY
12/18/2017: Sallie Mae Money Market rate updates to 1.32% APY
11/22/2017: Mutual Bank of Omaha raises Money Market rate to 1.00% APY
11/14/2017: Dime raises Money Market rate to 1.20% APY
11/02/2017: First Internet Bank increases Money Market rate for both tiers
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California First National Bank Savings/Money Market, CD Promotions

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Read about California First National Bank’s promotional rates on their Checking, Savings, Money Market and Certificate of Deposit accounts here.

*Get all updated bank sign-up bonuses here.

California First National Bank, established in 2001, is a subsidiary of California First National Bancorp. California First National Bank is another internet-only bank without any physical branches. Being online-only, they are able to provide more competitive rates for many of their deposit account options.

While they do have online Checking and Savings account options, interest rates aren’t the best. Rates for their Money Market and CD accounts are going to be a bit more competitive.

California First National Bank Money Market Offer

California First National Bank Money Market Offer

California First National Bank Money Market Offer

California First National Bank’s Money Market Checking account has a minimum deposit of $5,000 to open. The interest rate is decent, but does not compound.

Update History:
03/28/2018: Money Market rates decrease to 1.00% APY
02/26/2018: Money Market rates decrease to 1.16% APY
01/22/2018: Money Market rate increases to 1.25% APY
08/16/2017: Money Market rate decreases to 0.75% APY
07/30/2017: Money Market rate increases to 0.95% APY
06/11/2017: Money Market rate drops even further to 0.40% APY
03/03/2017: Money Market rate drops to 0.75% APY
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  • Minimum opening deposit is $5,000
  • Minimum balance to avoid fees is $5,000
  • Interest does not compound
  • Interest is paid monthly
  • 6 withdrawals are allowed per statement cycle on this account per federal regulations
  • Current rates are as follows
Account Balance APY Rate
Up to $14,999.99 1.00%
$15,000 – $49,999.99 1.00%
$50,000+ 1.00%
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Compare To These Money Market Accounts

Some popular Money Market accounts include those from CIT Bank and BBVA Compass Bank. HSBC Direct offers a good online Savings account from a big bank. See all the top rates at our Money Market Rates page.

MoneysMyLife Top Offer Picks

Chase Bank BonusesWith 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
HSBC Checking BonusesGet a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.
TD Bank $300 Checking BonusApply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review 
Learn More
Barclaycard Arrival Plus BonusBarclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review 
CIT Savings OfferCIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review
Learn More
Ally Invest BonusAlly Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review
Learn More
Simple Bank BonusSimple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review
Learn More
More Top Picks
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California First National Bank CD Offer

CD accounts from California First National Bank are available from 3 month terms, up to 3 year terms. The minimum balance required to earn the APY rate is $5,000.

Update History:
08/16/2018: California First National Bank updates its 1 Year CD rate.
07/01/2018: California First National Bank increases rates for 3 & 6 Month CD terms.
05/30/2018: California First National Bank increases rates for 3 and 6 Month CD terms.
05/21/2018: California First National Bank increases rate on 1 Year CD term.
04/23/2018: 3 Month to 1 Year CD terms get rate increases
03/28/2018: 1 Year CD rises to 1.51% APY
02/26/2018: 3 Month, 6 Month, 1 Year CD terms get slight rate increase 
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  • Minimum opening deposit is $5,000.
  • Minimum balance required to obtain the APY is $5,000.
  • Like all CDs, early withdrawal may have a penalty imposed.
  • Current CD rates are as follows (*always double check directly with the bank):
CD Term APY Rate
3 Month 1.51%
6 Month 1.76%
1 Year 1.91%
2 Year 0.25%
3 Year 0.25%
Learn More

Compare With CD Accounts From These Banks:

BBVA Compass CDs and CIT Bank CDs are two popular options. See all the top rates at our CD Rates page.


Check back here for updated offers and promotions from California First National Bank.

MYSB Direct (M.Y. Safra Bank) Online CD Rate Offers, Promotions

By: | Last Updated: | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find special online promotional rates from MYSB Direct, the online division of M.Y. Safra Bank, updated here.

M.Y. Safra Bank was established in 2000 as T. Rowe Price Savings Bank and changed to its current name in 2013. They are headquartered in New York, NY and offer Checking, Savings, Money Market, CD and Business accounts.

Occasionally, they’ll offer special online rates available online to everyone nationwide.

We’ll review the current offers below.

MYSB Direct Online CD Account Offers

MYSB Direct Online CD Offers

  • Available online, nationwide
  • CD minimum opening deposit: $5,000

M.Y. Safra bank has these promotional CD rates available online, nationwide.

Update History:
08/16/2018: MYSB Direct raises CD rates for 18, 24, 36, 48 Month CD terms.
07/27/2018: MYSB Direct raises CD rates for 3, 12, 60 Month CD terms.
07/01/2018: MYSB Direct raises CD rates for 12, 18, 24, 48 Month CD terms.
05/28/2018: MYSB Direct raises CD rates for 12, 24, 36, 60 Month CD terms.
05/08/2018: MYSB Direct raises CD rates for 12, 18, 24, 36, 60 Month terms.
04/11/2018: CD rates get another increase
03/17/2018: 12-60 Month CD terms get rate increases
02/22/2018: 3 – 18 Month and 60 Month CD terms get rate increases
01/26/2018: all CD terms get rate updates with their new online MYSB Direct online division
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Rates

APY CD Term
1.61% 3 Months Online Promotion
1.75% 6 Months Online Promotion
2.51% 12 Months Online Promotion
2.56% 18 Months Online Promotion
2.80% 24 Months Online Promotion
2.85% 36 Months Online Promotion
2.90% 48 Months Online Promotion
3.11% 60 Months Online Promotion
3.15% 72 Months Online Promotion
Learn More

Compare To CD Accounts From These Banks

BBVA Compass and CIT Bank consistently have top CD rates for most terms. Compare all rates and terms using our CD Rates guide.