American Express – 4.25% APY savings account.Elements Financial – 4.25% high yield savings ($10,000 minimum).
ROBINHOOD SPARE CHANGE PLUS
Third Federal – 4.30% online savings plus (minimum $5,000).Mysavingsdirect – 4.35% APY savings (see this comment).Discover – 4.35% APY savings when signing up via this link (standard account 4.30%) ( review).Presidential Bank – 4.375% money market Advantage Checking ($25k-$250k).Bank – 4.50% elite money market (minimum $25,000) valid through 6/13/23 Lending Club Banking – 4.50% APY savings.Synchrony / Paypal version – 4.50% APY savings.Citizens Access – 4.50% APY savings account.Prime Alliance – 4.50% savings (minimum $10,000).Usalliance – 4.65% APY high dividend savings.PNC – 4.65% high-yield savings (select areas).Brilliant Bank – 4.65% APY money market (minimum $2,000 to avoid fee)(see this comment).Empower/Personal Capital – 4.70% APY cash account ( our review).Betterment – 4.75% saving account ( our review)( temporary.TIAA – 4.75% APY yield pledge savings (4.50% first year).Wealthfront – 4.80% APY cash account (our review).Ivy Bank – 5.69% indexed savings account ($2,500 minimum nationwide except CA)( review).Ivy Bank – 4.80% savings ($2,500 minimum nationwide except for CA).
ROBINHOOD SPARE CHANGE UPGRADE
Upgrade – 4.81% APY premier savings ( minimum $1,000)(see this comment).BMO Harris – 4.85% alto online savings (select markets).Northern Bank Direct – 4.95% APY premier money market.Merchants Bank – 5.00% APY money market.Dollar Savings Direct – 5.00% APY savings (see this comment).Bask Bank – 5.00% APY savings ( our review).Salem Five Direct – 5.01% APY eone savings (see this comment).NASB – 5.02% APY premium savings (check incognito) ($25,000 minimum) (not accepting new applicants).Redneck Bank / All America Bank – 5.05% APY money market, up to $100,000 ( review).BankPurely – 5.05% APY money market (minimum $25,000)(see this comment).Primis Bank – 5.07% APY savings and checking ( review).Dime – 5.10% Blue savings (not available in NY, CA).Pacific Western – 5.15% savings ($5,000 minimum).Western State Bank – 5.15% APY money market ( our review).Modern Bank – 5.20% high yield money market (minimum $100,000).PopularDirect – 5.20% APY savings (see this comment).CFG Bank – 5.20% APY high-yield money market (must maintain minimum $1,000).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.Valley Direct – 5.25% APY savings ( 12,000 MyPoints signup bonus).TotalDirectBank – 5.26% money market (balances $2,500-$500,000 not available in FL).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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