Deposit Diary Daily #409

Best Nationally Available Savings/Money Market Accounts (4 July 2025)

What’s Happening

The bad news first: Roger Bank lowered its Savings rate to 4.12%, a substantial decrease of 53 bps. Added to the Deposit Quest Liquid Summary in late December 2024, the Savings account initially offered 5.00%. The rate was in effect until April when it was lowered to 4.65%. This week’s rate drop removed the Savings account from the 20 highest-rate nationally available savings accounts and Money Market in the DQ Liquid Summary.

The okay news is there are three new additions to the DQ Liquid Summary:

• Citizens State Bank (Raisin) • High Yield Savings Account • 4.34% ($1 min)

• StatePoint Federal Credit Union (Raisin) • Money Market Deposit Account • 4.30% ($1 min)

• Believe Savings • Believe Savings • 4.20% (no min, $100 opening deposit)

Current Top Rates

Listed below are the 20 highest-rate nationally available savings accounts and Money Market accounts as of July 4, 2025. The links go to either the product’s landing page or the financial institution’s rate page.

HUSTL • Money Market • 5.00% (no min/max)

Evergreen Wealth • High Yield Savings • 5.00% ($25k min)

AlumniFi Credit Union • AlumniFi Savings • 4.75% ($100k+), 4.50% ($25k), 4.25% (no min)

Pibank • Pibank Savings • 4.60% (no min or min opening deposit) • N.B. No ACH available for Pibank Savings

Elevault • Vault • 4.60% (up to $250k max balance) • Elevault is now a division of Southern Bancorp Bank

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)

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)

Eagle Bank • Personal Eagle HYSA • 4.40% ($1k min opening new money)

OnPath Federal Credit Union • Elite Money Market • 4.40 ($25k min) ($25k min/min opening deposit)

Newtek Bank • Personal High Yield Savings • 4.35% (no min)

Primis Bank • Primis Savings Account • 4.35% ($1 min opening deposit)

ZYNLO Bank • Tomorrow Savings • 4.35% ($.01 min), ($10 min opening deposit)

RECENT CHANGES

Newly Added

• Citizens State Bank (Raisin) • High Yield Savings Account • 4.34% ($1 min)

• StatePoint Federal Credit Union (Raisin) • Money Market Deposit Account • 4.30% ($1 min)

• Believe Savings • Believe Savings • 4.20% (no min, $100 opening deposit)

Rate Increases

• Veritex Community Bank (MaxMySavings) • Max Savings• 4.07% (▲2 bps) (no min)

Rate Decreases

• Paprika Capital Bank (Raisin) • High Yield Savings Account • 4.28% (▼2 bps) ($1 min)

• Western Alliance Bank • High-Yield Savings Premier • 4.25% (▼5 bps) ($0.01 min)

• Roger Bank • Savings • 4.12% (▼53 bps) (no min/$250k max)

Removed, Applications No Longer Accepted

• Evergreen Bank Group • High-Yield Online Savings • 4.25%

Removed, Promotion Expired

• Amalgamated Bank • Money Market Account • 4.50% (guaranteed for six months)

SPREADSHEET

The attached spreadsheet lists the current 100 best rates offered on nationally available savings accounts and Money Market accounts as of July 4, 2025.

Dq Liquid Rates Summary 4 July 2025

24.1KB ∙ XLSX file

Download

Download