Pacific Western – 5.15% savings ($5,000 minimum).

Western State Bank – 5.15% APY money market ( our review).CFG Bank – 5.17% APY high-yield money market (must maintain minimum $1,000).Modern Bank – 5.20% high yield money market (minimum $100,000).PopularDirect – 5.20% APY savings (see this comment).Republic Bank – 5.21% APY money market (minimum $2,500)(nationwide except IL, IN, WI, MI).

UFB – 5.25% APY savings account (see this comment and this).Fierce – 5.25% cash account (requires iOS app)($30 Swagbucks bonus).Milli – 5.25% savings account (requires mobile app).Newtek Bank – 5.25% savings (new applications paused).Evergreen Bank – 5.25% high yield online savings.Here are the best options available, rated in APY from highest to lowest: These are all ordinary savings accounts with no hoops to jump through, and they are FDIC/NCUA insured up to $250,000.

With a little research, we can find accounts that offer competitive rates. Leaving money in a regular bank account will usually get you a terrible interest rate.

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