Best Nationally Available Reverse Tier Savings/MMA, 27 April 2026
Deposit Diary Daily #711
What‘s Happening?
Thanks to Deposit Quest subscriber, Craig, two nationally available Reverse Tier Accounts new to the Summary have been added.
Air Academy Credit Union
Reverse Tier Savings Account
6.50% (up to $2k), 1.25% ($2k-$5k), 0.25% ($5k-$10k), 0.15% ($10k-$50k), 0.05% ($50k+)
No minimum balance required
No monthly service fees
Honor Credit Union
Surge Money Market
4.00% (up to $1k), 2.00% ($1k-2.5k), 1.00% ($2.5k-$5k), 0.50% ($5k-$10k), 0.25% ($10k+)
Highest-Rate Nationally Available Reverse Tier Accounts
Listed below are the nationally available Reverse Tier Accounts from banks and credit unions that offer an APY of 5.00% or higher, as of April 27, 2026.
Bayer Heritage Credit Union • High Yield Savings • 10.00% (up to $1k), 0.50% ($1k-$50k), 0.10% ($50k+)
Air Academy Credit Union • Reverse Tier Savings Account • 6.50% (up to $2k), 1.25% ($2k-$5k), 0.25% ($5k-$10k), 0.15% ($10k-$50k), 0.05% ($50k+)
Partner Colorado Credit Union • Power Savings • 5.50% (up to $1k), 1.05% ($1k-$2.5k), 0.50% ($2.5k-10k), 0.05% ($10k+)
Andrews Federal Credit Union • Online Savings Account • 5.50% (up to $1k), 0.05% ($1k+)
Sunward • Varo Savings Account • 5.04% (up to $2.5k), 3.04% ($2.5k-$5k), 2.04% ($5k-$10k), 1.04% ($10k-$15k), 0.44% ($15k-$25k), 0.14% ($25k+)
Varo • Power Money Market • 5.00% (up to $5k), 2.50% ($5k+)
Noble Credit Union • Reverse Money Market Account • 5.00% ($100-$2.5k), 2.50% ($2.5k-$5k), 1.25% ($5k-$7.5k), 1.00% ($7.5k-$10k), 0.75% ($10k+)
Michigan State University Credit Union • Savings Builder • 5.00% (up to $1k), 3.62% ($1k-$2k), 0.98% ($2k+)
Kinecta • High Yield Savings • 5.00% (up to $500), 3.00% ($500-$50k), 2.75% ($50k-$100k), 0.05% ($100k+)
Blue Federal Credit Union • Accelerated Savings • 5.00% ($25-$1k), 1.00% ($1k-$5k), 0.50% ($5k-10k), 0.25% ($10k-$50k), 0.15% ($50k+)
CommunityAmerica Credit Union • High-Interest Savings • 5.00% (up to $2.5k), 0.03% ($1k+)
Securityplus Federal Credit Union • Money Marketplus Account • 5.00% (up to $2.5k), 1.50% ($2.5k-$50k), 1.00% ($50k-$500k), 0.50% ($500k+)
Fairwinds Credit Union • Emergency Savings • 5.00% (up to $1k), 0.10% ($1k+)
DCU • Primary Savings • 5.00% (up to $1k), 0.05% ($1k+)
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Spreadsheet
The attached spreadsheet includes 35 nationally available Reverse Tier Savings and Money Market Accounts. The links go directly to each financial institution’s rate page or product landing page.
