Great Online
Bank Accounts
FDIC Insured
up to $250,000
Higher Rates vs National Average
Great Online
Bank Accounts
FDIC Insured
up to $250,000
Higher Rates vs National Average
Advertiser Disclosure · Featured Offers
| More Banks | APY | Rate | For APY | As of date |
|---|---|---|---|---|
| PNC Bank, NA Savings $25k | 0.01% | 0.01% | $25,000 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company MMA | 0.01% | 0.01% | $100 | 5/24/2024 |
| Fifth Third Bank MMA | 0.01% | 0.01% | $1 | 5/24/2024 |
| PNC Bank, NA Savings | 0.01% | 0.01% | $1 | 5/24/2024 |
| USAA Federal Savings Bank Savings | 0.01% | 0.01% | $25 | 5/24/2024 |
| Amerant Bank MMA | 0.01% | 0.01% | $100 | 5/24/2024 |
| Bank of Hope Savings | 0.01% | 0.01% | $500 | 5/24/2024 |
| Bank of Hope MMA | 0.01% | 0.01% | $2,500 | 5/24/2024 |
| The Home Loan Savings Bank MMA | 0.01% | 0.01% | $2,500 | 5/24/2024 |
| Amerant Bank MMA $10k | 0.01% | 0.01% | $10,000 | 5/24/2024 |
| Fifth Third Bank MMA $10k | 0.01% | 0.01% | $10,000 | 5/24/2024 |
| PNC Bank, NA Savings $10k | 0.01% | 0.01% | $10,000 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company MMA $10k | 0.01% | 0.01% | $10,000 | 5/24/2024 |
| PNC Bank, NA MMA $10k | 0.02% | 0.02% | $10,000 | 5/24/2024 |
| PNC Bank, NA MMA | 0.02% | 0.02% | $1 | 5/24/2024 |
| First Federal Community Bank, NA Savings | 0.02% | 0.02% | $100 | 5/24/2024 |
| Applied Bank MMA | 0.02% | 0.02% | $500 | 5/24/2024 |
| PNC Bank, NA MMA $25k | 0.02% | 0.02% | $25,000 | 5/24/2024 |
| First Federal Community Bank, NA Savings $10k | 0.02% | 0.02% | $10,000 | 5/24/2024 |
| The Home Loan Savings Bank MMA $10k | 0.02% | 0.02% | $10,000 | 5/24/2024 |
| First Federal Community Bank, NA Savings $25k | 0.02% | 0.02% | $25,000 | 5/24/2024 |
| The Home Loan Savings Bank MMA $25k | 0.03% | 0.03% | $25,000 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company MMA $25k | 0.03% | 0.03% | $25,000 | 5/24/2024 |
| First Federal Community Bank, NA MMA | 0.04% | 0.04% | $100 | 5/24/2024 |
| Union Bank (Michigan) Savings | 0.05% | 0.05% | $50 | 5/24/2024 |
| Farmers & Merchants Bank Savings | 0.05% | 0.05% | $25 | 5/24/2024 |
| Washington Savings Bank Savings | 0.05% | 0.05% | $50 | 5/24/2024 |
| Amerant Bank Savings | 0.05% | 0.05% | $50 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company Savings | 0.05% | 0.05% | $50 | 5/24/2024 |
| Pendleton Community Bank, Inc. Savings | 0.05% | 0.05% | $50 | 5/24/2024 |
| America First FCU Savings | 0.05% | 0.05% | $1 | 5/24/2024 |
| Applied Bank Savings | 0.05% | 0.05% | $100 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company Savings $10k | 0.05% | 0.05% | $10,000 | 5/24/2024 |
| Pendleton Community Bank, Inc. Savings $10k | 0.05% | 0.05% | $10,000 | 5/24/2024 |
| Burke & Herbert Bank & Trust Company Savings $25k | 0.05% | 0.05% | $25,000 | 5/24/2024 |
| Pendleton Community Bank, Inc. Savings $25k | 0.05% | 0.05% | $25,000 | 5/24/2024 |
| Washington Savings Bank MMA | 0.05% | 0.05% | $2,500 | 5/24/2024 |
| The Home Loan Savings Bank Savings $25k | 0.07% | 0.07% | $25,000 | 5/24/2024 |
| The Home Loan Savings Bank Savings $10k | 0.07% | 0.07% | $10,000 | 5/24/2024 |
| The Home Loan Savings Bank Savings | 0.07% | 0.07% | $50 | 5/24/2024 |
| Schools First FCU Savings $10k | 0.10% | 0.10% | $10,000 | 5/24/2024 |
| Schools First FCU Savings | 0.10% | 0.10% | $5 | 5/24/2024 |
| Bethpage Federal Credit Union Savings | 0.10% | 0.10% | $5 | 5/24/2024 |
| Connexus Credit Union Savings | 0.10% | 0.10% | $100 | 5/24/2024 |
| Bethpage Federal Credit Union Savings $25k | 0.10% | 0.10% | $25,000 | 5/24/2024 |
| Bethpage Federal Credit Union Savings $10k | 0.10% | 0.10% | $10,000 | 5/24/2024 |
| Farmers & Merchants Bank Savings $10k | 0.10% | 0.10% | $10,000 | 5/24/2024 |
| Schools First FCU Savings $25k | 0.10% | 0.10% | $25,000 | 5/24/2024 |
| CIBC Bank USA MMA | 0.15% | 0.15% | $1 | 5/24/2024 |
| Farmers & Merchants Bank Savings $25k | 0.15% | 0.15% | $25,000 | 5/24/2024 |
| Union Bank (Michigan) Savings $10k | 0.15% | 0.15% | $10,000 | 5/24/2024 |
| Union Bank (Michigan) Savings $25k | 0.20% | 0.20% | $25,000 | 5/24/2024 |
| Northpointe Bank Savings | 0.25% | 0.25% | $100 | 5/24/2024 |
| CIBC Bank USA MMA $10k | 0.25% | 0.25% | $10,000 | 5/24/2024 |
| Axos Bank MMA $10k | 0.25% | 0.25% | $10,000 | 5/24/2024 |
| Northpointe Bank MMA | 0.25% | 0.25% | $2,500 | 5/24/2024 |
| WebBank Savings | 0.25% | 0.25% | $1,000 | 5/24/2024 |
| Axos Bank MMA | 0.25% | 0.25% | $1,000 | 5/24/2024 |
| Connexus Credit Union MMA | 0.25% | 0.25% | $1,000 | 5/24/2024 |
| Presidential Bank, FSB MMA | 0.25% | 0.25% | $1,000 | 5/24/2024 |
| Lone Star Bank MMA | 0.25% | 0.25% | $250 | 5/24/2024 |
| TAB Bank MMA | 0.25% | 0.25% | $25 | 5/24/2024 |
| First Horizon Bank Savings | 0.30% | 0.30% | $50 | 5/24/2024 |
| First Horizon Bank Savings $25k | 0.30% | 0.30% | $25,000 | 5/24/2024 |
| First Horizon Bank Savings $10k | 0.30% | 0.30% | $10,000 | 5/24/2024 |
| Northpointe Bank Savings $10k | 0.35% | 0.34% | $10,000 | 5/24/2024 |
| Northpointe Bank MMA $10k | 0.35% | 0.34% | $10,000 | 5/24/2024 |
| First Federal Community Bank, NA MMA $10k | 0.40% | 0.40% | $10,000 | 5/24/2024 |
| Lone Star Bank Savings | 0.40% | 0.40% | $200 | 5/24/2024 |
| GTE Financial Credit Union MMA | 0.40% | 0.40% | $1 | 5/24/2024 |
| Union Bank (Michigan) MMA $10k | 0.45% | 0.45% | $10,000 | 5/24/2024 |
| Union Bank (Michigan) MMA | 0.45% | 0.45% | $5,000 | 5/24/2024 |
| Union Bank (Michigan) MMA $25k | 0.45% | 0.45% | $25,000 | 5/24/2024 |
| Charles Schwab Bank Savings | 0.48% | 0.48% | $0 | 5/24/2024 |
| First Horizon Bank MMA $25k | 0.50% | 0.50% | $25,000 | 5/24/2024 |
| Presidential Bank, FSB Savings | 0.50% | 0.50% | $500 | 5/24/2024 |
| First Horizon Bank MMA | 0.50% | 0.50% | $50 | 5/24/2024 |
| Boeing Employees Credit Union Savings | 0.50% | 0.50% | $1 | 5/24/2024 |
| First Horizon Bank MMA $10k | 0.50% | 0.50% | $10,000 | 5/24/2024 |
| First Federal Community Bank, NA MMA $25k | 0.60% | 0.60% | $25,000 | 5/24/2024 |
| Axos Bank Savings | 0.61% | 0.61% | $250 | 5/24/2024 |
| GTE Financial Credit Union MMA $10k | 0.65% | 0.65% | $10,000 | 5/24/2024 |
| Schools First FCU MMA | 0.75% | 0.75% | $2,000 | 5/24/2024 |
| FinWise Bank MMA | 0.75% | 0.75% | $1,000 | 5/24/2024 |
| FinWise Bank Savings | 0.75% | 0.75% | $500 | 5/24/2024 |
| GTE Financial Credit Union Savings | 0.75% | 0.75% | $100 | 5/24/2024 |
| First Internet Bank of Indiana Savings | 0.81% | 0.80% | $25 | 5/24/2024 |
| Amalgamated Bank Savings | 0.81% | 0.81% | $0 | 5/24/2024 |
| Amalgamated Bank MMA | 1.00% | 1.00% | $100 | 5/24/2024 |
| Schools First FCU MMA $10k | 1.00% | 0.99% | $10,000 | 5/24/2024 |
| Boeing Employees Credit Union MMA | 1.00% | 1.00% | $1 | 5/24/2024 |
| Bethpage Federal Credit Union MMA | 1.00% | 1.00% | $500 | 5/24/2024 |
| Bethpage Federal Credit Union MMA $10k | 1.00% | 1.00% | $10,000 | 5/24/2024 |
| Amalgamated Bank MMA $10k | 1.00% | 1.00% | $10,000 | 5/24/2024 |
| Schools First FCU MMA $25k | 1.00% | 0.99% | $25,000 | 5/24/2024 |
| Bethpage Federal Credit Union MMA $25k | 1.00% | 1.00% | $25,000 | 5/24/2024 |
| Vio Bank Savings | 1.10% | 1.09% | $100 | 5/24/2024 |
| Amalgamated Bank Savings $25k | 1.26% | 1.25% | $25,000 | 5/24/2024 |
| Amalgamated Bank Savings $10k | 1.26% | 1.25% | $10,000 | 5/24/2024 |
| Banesco USA Savings | 1.35% | 1.34% | $300 | 5/24/2024 |
| BankPurely, a division of Flushing Bank Savings | 1.50% | 1.49% | $100 | 5/24/2024 |
| Bank5 Connect Savings | 1.50% | 1.49% | $100 | 5/24/2024 |
| America First FCU MMA | 1.50% | 1.49% | $1 | 5/24/2024 |
| FinWise Bank MMA $10k | 1.51% | 1.50% | $10,000 | 5/24/2024 |
| CIT Bank, N.A MMA | 1.55% | 1.54% | $100 | 5/24/2024 |
| America First FCU MMA $10k | 1.70% | 1.69% | $10,000 | 5/24/2024 |
| Boeing Employees Credit Union MMA $10k | 1.75% | 1.74% | $10,000 | 5/24/2024 |
| Synchrony Bank MMA | 2.25% | 2.22% | $1 | 5/24/2024 |
| Varo Bank Savings | 3.00% | 2.96% | $1 | 5/24/2024 |
| Northpointe Bank MMA $25k | 3.25% | 3.20% | $25,000 | 5/24/2024 |
| Northpointe Bank Savings $25k | 3.25% | 3.20% | $25,000 | 5/24/2024 |
| Pendleton Community Bank, Inc. MMA $25k | 3.30% | 3.25% | $25,000 | 5/24/2024 |
| EverBank MMA | 3.75% | 3.68% | $0 | 5/24/2024 |
| First Internet Bank of Indiana MMA | 3.77% | 3.70% | $100 | 5/24/2024 |
| Discover Bank MMA | 4.00% | 3.92% | $2,500 | 5/24/2024 |
| Ally Bank MMA | 4.20% | 4.11% | $0 | 5/24/2024 |
| Ally Bank Savings | 4.20% | 4.11% | $0 | 5/24/2024 |
| Morgan Stanley Private Bank Savings | 4.25% | 4.16% | $0 | 5/24/2024 |
| Quorum Federal Credit Union Savings | 4.25% | 4.17% | $1 | 5/24/2024 |
| Discover Bank Savings | 4.25% | 4.16% | $0 | 5/24/2024 |
| American Express National Bank Savings | 4.25% | 4.16% | $0 | 5/24/2024 |
| Live Oak Bank Savings | 4.40% | 4.31% | $0 | 5/24/2024 |
| Quontic Bank Savings | 4.50% | 4.40% | $100 | 5/24/2024 |
| Citizens Access Savings | 4.50% | 4.40% | $1 | 5/24/2024 |
| Sallie Mae Bank Savings | 4.50% | 4.40% | $0 | 5/24/2024 |
| FNBO Direct Savings | 4.75% | 4.65% | $1 | 5/24/2024 |
| Synchrony Bank Savings | 4.75% | 4.64% | $1 | 5/24/2024 |
| Valley Direct Savings | 4.75% | 4.64% | $1 | 5/24/2024 |
| Northern Bank Direct, a div of Northern Bank & Trust Company MMA | 4.95% | 4.84% | $5,000 | 5/24/2024 |
| VirtualBank, a division of First Horizon Bank MMA | 5.00% | 4.89% | $100 | 5/24/2024 |
| Rising Bank Savings | 5.00% | 4.89% | $1,000 | 5/24/2024 |
| Quontic Bank MMA | 5.00% | 4.88% | $100 | 5/24/2024 |
| CIBC Bank USA Savings | 5.01% | 4.89% | $1,000 | 5/22/2024 |
| Salem Five Direct Savings | 5.01% | 4.89% | $10 | 5/24/2024 |
| BankPurely, a division of Flushing Bank MMA | 5.05% | 4.93% | $25,000 | 5/24/2024 |
| Primis Bank Savings | 5.07% | 4.95% | $1 | 5/24/2024 |
| Western State Bank MMA | 5.15% | 5.02% | $5,000 | 5/24/2024 |
| Bread Savings Savings | 5.15% | 5.02% | $100 | 5/25/2024 |
| Popular Direct Savings | 5.15% | 5.02% | $100 | 5/24/2024 |
| Banesco USA MMA $10k | 5.25% | 5.12% | $10,000 | 5/24/2024 |
| Banesco USA MMA | 5.25% | 5.12% | $2,500 | 5/24/2024 |
| CFG Community Bank MMA | 5.25% | 5.12% | $1,000 | 5/24/2024 |
| UFB Direct MMA | 5.25% | 5.12% | $1 | 5/24/2024 |
| UFB Direct Savings | 5.25% | 5.12% | $0 | 5/24/2024 |
| TAB Bank Savings | 5.27% | 5.14% | $0 | 5/24/2024 |
| Forbright Bank Savings | 5.30% | 5.30% | $0 | 5/25/2024 |
| Vio Bank MMA | 5.30% | 5.16% | $100 | 5/24/2024 |
| BrioDirect Savings | 5.35% | 5.21% | $5,000 | 5/24/2024 |
| Western Alliance Bank Savings | 5.36% | 5.23% | $500 | 5/25/2024 |
| MyBankingDirect Savings | 5.55% | 5.40% | $500 | 5/24/2024 |
1 APY stands for Annual Percentage Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.
3 Not all banks are represented.
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
All rates are subject to change without notice and may vary depending on location. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website where you can find additional information. Those with a paid link are our Advertisers. Those without a paid link are listings we obtain to improve the consumer shopping experience and are not Advertisers. To receive the Bankrate.com rate from an Advertiser, please identify yourself as a Bankrate customer. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration.
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| For APY | $1 | ||
|---|---|---|---|
| APY | 4.25% | Rate as of | 5/25/2024 |
| Rate | 4.16% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.03% | Rate as of | 5/25/2024 |
| Rate | 0.03% | Type | Savings |
| For APY | $0 | ||
|---|---|---|---|
| APY | 5.25% | Rate as of | 5/25/2024 |
| Rate | 5.25% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.01% | Rate as of | 5/25/2024 |
| Rate | 0.01% | Type | Savings |
| For APY | $0 | ||
|---|---|---|---|
| APY | 5.10% | Rate as of | 5/25/2024 |
| Rate | 4.96% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.01% | Rate as of | 5/25/2024 |
| Rate | 0.01% | Type | Savings |
| For APY | $0 | ||
|---|---|---|---|
| APY | 5.00% | Rate as of | 5/25/2024 |
| Rate | 5.00% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.05% | Rate as of | 5/25/2024 |
| Rate | 0.05% | Type | Savings |
| For APY | $0 | ||
|---|---|---|---|
| APY | 4.25% | Rate as of | 5/25/2024 |
| Rate | 4.25% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.05% | Rate as of | 5/25/2024 |
| Rate | 0.05% | Type | Savings |
| For APY | $0 | ||
|---|---|---|---|
| APY | 5.15% | Rate as of | 5/25/2024 |
| Rate | 5.02% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.03% | Rate as of | 5/25/2024 |
| Rate | 0.03% | Type | Savings |
| For APY | $5,000 | ||
|---|---|---|---|
| APY | 5.00% | Rate as of | 5/25/2024 |
| Rate | 5.00% | Type | Savings |
| For APY | $25 | ||
|---|---|---|---|
| APY | 0.01% | Rate as of | 5/25/2024 |
| Rate | 0.01% | Type | Savings |
Goldman Sachs Bank USA has risen to the top as one of the best online savings accounts thanks to their high interest rates and affiliation with the purchase General Electric Co.’s GE Capital Bank in 2015. Goldman Sachs Bank USA is fairly new to the online world, but they top CD accounts and bank rates are bringing many customers to them.
If a bank with a rich history is top on your priority list, then Goldman Sachs Bank USA might be the right online bank for you. Goldman Sachs Bank was established in 1990 as part of the Goldman Sachs Trust Company. Located in New York, NY, Goldman Sachs Group Inc. has been a solid figure in the area since 1869.
Savers love the higher interest rate for online accounts and are seeing these rates continuing to rise. To keep costs lower, Goldman Sachs Bank USA is focused on the online platform system to help people manage their money and have the ability to earn more. Here are some of the other benefits you can expect as a Goldman Sachs Bank USA member:
Transferring money to and from the account can often take a few days to complete. You must have a checking account that you can use to move funds back and forth. If you like dealing with customer service reps, Goldman Sachs Bank USA isn’t for you. The in-person experience of speaking to a customer service representative is important to many people. There is not a mobile app to use for quick access, which is another major frustration for a lot of millennials.
If you want to be part of a 150-year old company, consider learning more about Goldman Sachs Bank USA. People wanting a good option for an online savings account without a significant initial sum of money to deposit and keeping the account open. The CD accounts have a higher interest rate for savers, which also makes Goldman Sachs Bank USA a top-choice for those seeking a high-yield savings account.