Best Nationally Available Reverse Tier Savings/MMA, 18 May 2026

Deposit Diary Daily #732

What‘s Happening?

There was only one rate change:

First Flight Credit Union • Prestige Money Market • 3.82% (▼15 bps) ($10k-$50k), 1.51% ($50k+)

NOTE: I was working on a graphic detailing potential earnings for the Reverse Tier Accounts, but it became more intricate than I expected and I ran out of time. I hope to finish it for publication on Tuesday.

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 May 18, 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.

Dq Reverse Tier Savings Mma 18 May 2026

33KB ∙ XLSX file

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