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Updated on 12/19/2005


Insured by FDIC or NCUA

• Interest Checking accounts:
  
  (APYs for balances below $50,000, APY treshold is 3.00%)
• 4.03% - City National Bank of Taylor, Reward Checking Account (for balances up-to $25K)
• 4.02% - First National Bank in Cameron, Reward Checking Account - 10 check card transactions are required, for balances up-to $25K
• 4.00% - Presidential Bank, Internet Checking Plus (for balances up-to $25K, direct deposit is required)
• 4.00% - First Community Bank, Net Checking (for balances above $35K)
• 3.95% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
• 3.89% - Cosmopolitan bank, The Cosmopolitan Checking Account (for balances above $25K, new money only)
• 3.50% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
• 3.20% - Everbank, FreeNet checking (for balances between $25K and $50K)
• 3.15% - Bank of Internet, Freedom Checking (for balances up-to $25K)
• 3.01% - Iberville Bank, Free checking (10 debit card transactions per month is required)
• 3.00% - PCBanker, eChecking - (for balances below $10K, min. balance to avoid a fee is $1K)
• 3.00% - AmTrust, Titanium Checking (10K balance is required to get the rate)
• 3.00% - eBank, ePremium Checking ($2,500 min. daily balance or $5,000 average daily balance to avoid monthly fee)
  
  
  Savings and Money Market accounts:
  
  (APYs for balances below $50,000, APY treshold is 3.50%)
  
  Regular rates
  
• 4.50% - Superior Savings, Superior Money Market (for balances above $25K)
• 4.40% - UmbrellaBank, Money Market account - (for balances above $1K, $1K min. balance is required to avoid a monthly fee)
• 4.30% - GMAC savings account ($500 balance to avoid a monthly fee)
• 4.25% - HSBC, Online Savings Account (no fees, no minimum balance)
• 4.25% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)
• 4.20% - Avanta Bank, Money Market (for balances between $10K and $50K)
• 4.13% - Resource bank, eMoneyMarket
• 4.12% - Presidential Bank, Premier Savings (for balances up-to $35K)
• 4.11% - KeyDirect, Money Market ($25K is required to get the interest and avoid a monthly fee)
• 4.10% - Giant Bank, MMA (for balances above $1K)
• 4.10% - MyBankingBirect.com, New York Community Bank, More Money Market Account (min. initial deposit of $5K is required)
• 4.08% - Assurance Partners Bank, Money Market Savings (for balances above $1000)
• 4.07% - Equitable Cooperative bank, SILVER SAVINGS (for balances above $25K)
• 4.03% - Zions Bank, Internet MMA (for balances above $1K)
• 4.00% - Mutual Bank, Money Market Account (for balances between $5K - $75K)
• 4.00% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers)
• 4.00% - Bank of Oak Ridge, New Leaf Savings (a direct deposit/ACH credit is required to avoid a fee)
• 4.00% - Amboy Direct, Money Market Maximizer account (for balances above $30K)
• 4.00% - Hillcrest bank, Index Money Market (for balances between $25K and $50K)
• 4.00% - Capital One, High Yield Savings (no fees, no min. balance, free interbank transfers)
• 4.00% - AmTrust, Money Market (for balances between $25K and $50K)
• 4.00% - St. Louis bank, Money Market account (for balances above $10K)
• 3.98% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)
• 3.95% - Discover Financial (for balances between $25K and $50K)
• 3.92% - North Community bank, High Yield Money Market (for balances above $10K)
• 3.89% - Cosmopolitan bank, Advantage Money Market (min. daily balance to avoid a fee is $10K, valid also for First Bank of Oak Park, Regency Savings Bank, Pullman Bank, Park National Bank)
• 3.89% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).
• 3.88% - MBNA/Fool.com, Money Market - (for balances between $10k and $50K)
• 3.82% - First Business Bank (for all balances)
• 3.80% - UFB Direct, High Yield Money Market Savings (no minimums, no fees)
• 3.78% - CNBT, Reward Savings (no min. balance, no fees, unlimited ATM withdrawals)
• 3.76% - Sterling bank, Internet Money Market Account (for balances between $2,5K and $350K)
• 3.75% - ING Direct, Savings (no minimums, no fees, free interbank transfers)
• 3.75% - Access National Bank, Access Money Market (for balances above $25K)
• 3.75% - Nexity Bank, Money Market (for balances above $1.00) -
• 3.75% - Advantage Money Market from Guaranty bank and Best Bank (for balances up-to $10K)
• 3.75% - Salem Five, Star Money Market (for balances above $10K)
• 3.72% - Transportation Alliance Bank, Regular SavingsAccount (for balances between $100 and $250K)
• 3.65% - Quantum National Bank, Money Market-Premium
• 3.65% - Stonebridge Bank, Money Market ($100 min. balance to avoid a monthly fee)
• 3.58% - Bank of Wausau, Lifestyle Money Market (for balances above $25K)
• 3.55% - Everbank, Money Market
• 3.55% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers)
• 3.55% - Security State Savings Bank, SecurityAdvantage® Money Market Account (for balances between $5K and $95K)
• 3.52% - California First National Bank, Money Market (for all balances)
• 3.51% - Beal Bank, Money Market ( for balances above $15K)
• 3.50% - IndyMac Super Savings (for balances between $25K and $50K)
• 3.50% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!
• 3.50% - Countrywide Bank (for balances between $1K and $50K)

• Promotional and special rates
• 4.50% - National City, Preferred Money Market Savings ? ($10K min. balance, guaranteed for 6 months)
• 4.10% - Bank of Oak Ridge, Liberty Savings (min deposit of $25,000is required. The rate is quaranteed for 6 month)
• 4.05% - Captial One, Costco Executive Money Market rate (for balances above $100, Costco Executive Members only) + $25 BONUS.
• 4.00% - Eastern Bank, Maximum Money Market (for balances of $10,000 or more)
• 3.50% - Salem Five, no penalty 9 month CD (min. balance to get the rate is 10,000, expires 11/08/05)
• 3.50% - First Morris, Platinum checking (rate is guaranteed for three months)

Not insured by FDIC or NCUA

• US Savings and Money Market accounts
  (APYs for balances below $50,000, APY treshold is 3.00%)
• 5.50% - GMAC Demand Notes (GM family members only and stockholders)
• 5.01% - Ford MMA (for balances between $15K and $50K)
• 4.29% - Patelco Credit Union, Treasury Income Account (for balances > $25K, anybody can join)
• 4.13% - GE Interest Plus (for balances between $15K and $50K)

Courtesy of <a href="http://www.ibankdesign.com">ibankdesign</a>