Where to keep your cash: high-yield savings, CDs, checking and money market accounts. Every rate is checked against the bank's own page and shows the date we checked it, so you can see how fresh it is.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
Each section shows our top pick for it, the number that matters and the date we verified it. Open one to compare everything in it.
APYs for everyday savings and emergency funds, with fees, minimums and the date we checked each one.
Certificate of deposit rates by term, so you can lock a rate for the length of time you can spare the cash.
What each account costs to keep: monthly fees, waivers, overdraft terms and ATM access.
Checking accounts for a US business, ranked apart from personal checking.
Savings accounts for a US business, ranked apart from personal high-yield savings.
Money market accounts for a US business, ranked apart from personal MMAs.
Savings rates with check writing or a debit card, for money you want to reach more easily.
Catalog averages and the biggest recent movers across the accounts we track.
Bonuses and promotional rates that have an end date published by the issuer.
Each pick wins a specific rule, written on its label, and is chosen from the numbers on its own page. Who pays us has no say in it.
Also: Best savings with checking
4.50% APY on up to a $5,000 average daily balance, paid quarterly; $5 monthly fee unless you get direct deposit
No minimum deposit, $5 monthly fee.
Rate note: 4.50% APY (4.41% interest rate) on up to a $5,000 average daily balance of all savings during the quarter, paid quarterly…
Popular Direct pays 4.80% APY on an 18 month CD (rates effective Oct 26, 2026) but requires $10,000 to open.
$10,000 minimum deposit.
Rate note: 18 month CD, $10,000 minimum. Popular Direct states its APYs are effective as of Monday, October 26, 2026 and subject to change without notice.
Also: No overdraft fees and no monthly fee
Checking with a 3.2% APY advertised through Oct 31, 2026, no monthly fee or minimum balance. Open to US citizens and permanent residents.
No monthly fee, no minimum to open. Rate note: 3.2% advertised through Oct 31, 2026; deposit agreement (Jun 8, 2026) discloses 2.95%; variable; no minimum.
Rate note: 3.2% advertised through Oct 31, 2026; deposit agreement (Jun 8, 2026) discloses 2.95%; variable; no minimum
Prime Alliance Bank pays 3.90% APY (variable) on all balances, with no monthly fee and no minimum balance.
No monthly fee.
Rate note: 3.83% interest rate, 3.90% APY, single tier applied to all balances, interest paid monthly; variable and may change without notice…
We read every APY off the bank's own rate page, not a press release or another comparison site, and stamp it with the date we checked.
A high APY that needs a $1,000 minimum, a balance cap or a monthly fee is shown with those conditions, not hidden behind the headline number.
A rate we last checked more than 14 days ago stays listed with its date, but it never outranks a current one.
Banks cannot pay to move up a list. Some links may earn us a commission, and it never changes a ranking.
Every rate shows the date we last verified it against the bank's own page. Rates older than 14 days stay visible with that date, flagged as older, and rank below current ones.
Checking is for everyday spending. Savings pays more interest on money you do not touch often, and its rate can change at any time. A CD locks a rate for a fixed term in exchange for an early withdrawal penalty. A money market account is like savings with check writing or a debit card.
Banks that are FDIC members insure deposits up to $250,000 per depositor, per bank, per ownership category, online or not. We list the coverage behind each account so you can see who actually holds your money.
No. Banks cannot buy a position on a list or edit a review. Some links may earn Financeradar a commission, and that never changes a ranking. The details are on our how we make money page.
