Deposit Diary Daily #352
Best Nationally Available Savings/Money Market Accounts (9 May 2025)
What’s Happening
Liquid rates seem to be in a holding pattern, with a handful of rate changes this week.
Current Top Rates
Listed below are the 20 highest-rate nationally available savings accounts and Money Market accounts as of May 9, 2025. The links go to either the product’s landing page or the financial institution’s rate page.
OnPath Federal Credit Union • Elite Money Market • 5.00% ($25k min) ($25k min/min opening deposit) • N.B. No ACH (in or out) or Plaid transfer available for Elite Money Market
Evergreen Wealth • High Yield Savings • 5.00% ($25k min)
AlumniFi Credit Union • AlumniFi Savings • 4.75% ($100k+), 4.50% ($25k), 4.25% (no min)
Roger Bank • Savings • 4.65% (up to $250k) (no min or min opening deposit, but an active Roger checking account is required)
Pibank • Pibank Savings • 4.60% (no min or min opening deposit) • N.B. No ACH available for Pibank Savings.
OMB Bank • High Interest Online Savings • 4.56% ($5k min opening deposit)
FitnessBank • Fitness Savings Account • 4.55% ($250k max), ($100 min opening deposit)
SBT (State Bank of Texas) • Jumbo Money Market • 4.54% ($100k min, new money only)
Presidential Bank • Advantage Savings • 4.50% ($5k min opening deposit) (Advantage Checking required)
Climate First Bank • Impact Personal Money Market • 4.46% (all balances), ($50k min opening deposit)
FVCbank • Advantage Direct Savings Account • 4.45% ($250k max), ($100 min opening deposit) • New accounts only
Peak Bank • Envision High-Yield Savings • 4.44% (up to $10m), 2.02% ($10m+) (no min opening deposit)
First Internet Bank • Money Market Savings • 4.42% ($1m+), 3.61% (up to $1m), ($100 min opening deposit)
TotalDirectBank • Direct Money Market Deposit Account • 4.41% ($2.5k min), ($25k min opening deposit)
LendingClub • LevelUp Savings • 4.40% (no min or min opening deposit) • requires minimum deposit(s) of $250 each month
TIMBR • TIMBR High Yield Savings • 4.40% (no min) ($1k min opening deposit)
ZYNLO Bank • Money Market • 4.40% (up to $250k), 0.10% ($250k+), ($10 min opening deposit)
Openbank • High Yield Savings Account • 4.40% (all balances), ($500 min opening deposit)
Eagle Bank • Personal Eagle HYSA • 4.40% (▲5 bps) ($1k min opening new money)
Poppy Bank • Poppy Premier Online Savings • 4.40% ($1k min)
RECENT CHANGES
Newly Added
EverBank • Performance Money Market • 4.00% (no min)
Great Lakes Credit Union (Raisin) • Money Market Deposit Account • 4.00% (▲200 bps)($1 min)
Rate Increase
Eagle Bank • Personal Eagle HYSA • 4.40% (▲5 bps)
Western Alliance Bank • High-Yield Savings Premier • 4.30% (▲5 bps)
mph.bank (Raisin) • High Yield Savings Account • 4.26% (▲5 bps)
drbank (Raisin) • High Yield Savings Account • 4.25% (▲6 bps)
Rate Decrease
Bread Financial • High-Yield Savings • 4.30% (▼5 bps)
Removal, Availability
Live Oak Bank (Raisin) • High Yield Savings Account • 4.30% ($1 min)
SPREADSHEET
The attached spreadsheet lists the current 100 best rates offered on nationally available savings accounts and Money Market accounts as of May 9, 2025.
