Best rates of checking, MM and savings accounts

[markber]

(updated on 3/3/2008) - interest checking accounts only!!!



Interest Checking accounts:

Rates for balances between $0 and $1K

(Threshold is 3.00%)

8.0% Watermark CU First 500 Checking (DD + estatement + savings) 8.00% for $1.0 - $500.0, 0.50% for $501.0 - $200.0 K
7.5% Community 1st CU Advantage Checking (6 trans + BillPay + estatement) 7.50% for $50.0 - $499.0, 7.25% for $500.0 - $200.0 K
7.5% Landmark CU Premium Checking (DD required) 7.50% for $1.0 - $499.0, 0.30% for $500.0 - $200.0 K
7.5% *BECU Members Advantage Checking (DD/Billpay + estatement + savings) 7.50% for $1.0 - $499.0, 0.50% for $500.0 - $200.0 K
7.01% MidWest America Reward Checking (10x debit + DD + estatement) 7.01% for $5.0 - $25.0 K
7.0% Financial Partners Hi-Yield Checking (1.5k + DD + estatement) 7.00% for $25.0 - $699.0, 0.25% for $700.0 - $200.0 K
6.26% New Frontier ePower Checking (12x debit + DD + estatement) 6.26% for $100.0 - $25.0 K
6.25% Advantis CU Fusion Checking (12x debit + DD + estatement) 6.25% for $20.0 - $30.0 K
6.25% North Middlesex Max Checking (12x debit + DD + estatement) 6.25% for $10.0 - $100.0 K
6.17% RCSB e-Global Checking (8x debit + DD + estatement) 6.17% for $1.0 - $25.0 K
6.15% Dade County CU Moneymaker Checking (12x debit + DD + estatement) 6.15% for $1.0 - $25.0 K
6.06% BankNewport Go Checking (12x debit + DD + estatement) 6.06% for $25.0 - $100.0 K
6.06% Altra A+ Checking (10x debit + DD + estatement) 6.06% for $1.0 - $25.0 K
6.05% Scott CU Extreme Checking 6.05% for $1.0 - $25.0 K
6.05% TriStone Money Max Checking (12x debit + DD + estatement) 6.05% for $1.0 - $25.0 K
6.02% State Center CU Rewards Checking (10x debit + DD + estatement) 6.02% for $25.0 - $25.0 K
6.02% State Employees CU (NM) Reward Checking (10x debit + DD + estatement) 6.02% for $1.0 - $35.0 K
6.01% Danvers Free Reward Checking (12x debit + DD + estatement) 6.01% for $100.0 - $100.0 K
6.01% Charter Turbo Checking (10x debit + DD + e-statement) 6.01% for $100.0 - $25.0 K
6.01% Concordia Harmony Express Checking (10x debit + DD + estatement) 6.01% for $100.0 - $25.0 K
6.01% Noble Horizon Checking (12x debit + DD + estatement) 6.01% for $100.0 - $25.0 K
6.01% MidWestOne Power Checking (10x debit + DD + e-statement) 6.01% for $100.0 - $25.0 K
6.01% *Upson Free Rewards Checking (12x debit + DD + estatement) 6.01% for $100.0 - $25.0 K
6.01% *West Bend IDEAL Rewards Checking (10x debit + DD + estatement) 6.01% for $50.0 - $50.0 K
6.01% Coulee Bank Rewards Checking (10x debit + DD + estatement) 6.01% for $50.0 - $25.0 K
6.01% *Valley Community Free Premium Reward Checking (15x debit + DD + estatement) 6.01% for $1.0 - $200.0 K
6.01% *Brattleboro Right Reasons Rewards Checking 6.01% for $1.0 - $100.0 K
6.01% *Haverhill Checking (10x debit + DD + estatement) 6.01% for $1.0 - $100.0 K
6.01% Butler Advantage Checking (10x debit + DD + estatements) 6.01% for $1.0 - $50.0 K
6.01% Air Academy CU Max Checking (12x debit + DD + estatement) 6.01% for $1.0 - $50.0 K
6.01% Verity CU Velocity Checking (12x debit + estatement + online banking) 6.01% for $1.0 - $40.0 K
6.01% Heartland Community Internet Plus Checking (10x debit + DD + estatement) 6.01% for $1.0 - $30.0 K
6.01% Bank of Little Rock Ultimate Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% Three Rivers CU Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% West Texas Ultimate Checking (10x debit + estatement + DD/billpay) 6.01% for $1.0 - $25.0 K
6.01% Liberty Bank eSmart Checking (15x debit + estatement + DD + billpay) 6.01% for $1.0 - $25.0 K
6.01% United SA CU Premium Reward Checking (10x debit + estatement) 6.01% for $1.0 - $25.0 K
6.01% United Heritage CU Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% First National Bank of Dieterich Prime Checking (10x debit + estatement) 6.01% for $1.0 - $25.0 K
6.01% Page Valley Rewards Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% Florida Central CU Ultimate Checking (12x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% First New England CU Free Rewards Checking (12x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% First Clover Leaf Checking (10x debit + DD + estatement + 2 billpay) 6.01% for $1.0 - $25.0 K
6.01% E Financial Florida Reward Checking (12x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% CU West Star Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% Community Resource Reward Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% Citizens Bank (MN) Woo Hoo Checking (10x debit + DD + e-statement) 6.01% for $1.0 - $25.0 K
6.01% *Heritage State Reward Checking (10x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% *Lake City Rewards Checking (8x debit + DD + estatement) 6.01% for $1.0 - $25.0 K
6.01% Arizona B&T Cash Rewards Checking (12x debit + DD + estatement) 6.01% for $1.0 - $20.0 K
6.0% Institution for Savings Bonus Checking (10x debit + 3billpay + estatement + $500) 6.00% for $500.0 - $25.0 K
6.0% Legacy Win/Win Checking (12x debit + DD + estatement) 6.00% for $100.0 - $50.0 K
6.0% *Southern Community Reward Checking (10x debit + DD + estatement) 6.00% for $100.0 - $25.0 K
6.0% M/AFCU Rewards Checking (12x debit + DD + estatement) 6.00% for $1.0 - $100.0 K
5.76% Traditional Gald Star Checking (10x debit + DD + estatement) 5.76% for $100.0 - $25.0 K
5.76% Williamstown Free Rewards Checking (10x debit + DD + estatement) 5.76% for $1.0 - $50.0 K
5.7% Royal Banks of MO Majestic (10x debit + DD + estatement) 5.70% for $100.0 - $25.0 K
5.51% Sutton Rewards Checking (11x debit + DD + estatement) 5.51% for $100.0 - $25.0 K
5.51% First Federal Moolah Checking (12x debit + billpay + estatement) 5.51% for $50.0 - $25.0 K
5.51% Provident CU Super Reward Checking (10x debit + DD + estatement) 5.51% for $25.0 - $25.0 K
5.51% *Bank of Choice Reward Checking (8x debit + DD + estatement) 5.51% for $1.0 - $35.0 K
5.51% Bank of Blue Valley Performance Checking (12x debit + DD) 5.51% for $1.0 - $25.0 K
5.5% Bank of Illinois VIP Elite Checking (10x debit + DD + estatement) 5.50% for $50.0 - $25.0 K
5.5% Heartland CU Free Rewards Checking (12x debit + DD + estatement) 5.50% for $1.0 - $25.0 K
5.27% Iberville Bank Reward Checking (10x debit + estatement) 5.27% for $1.0 - $20.0 K
5.26% *Ripley Reward Checking (10x debit + estatement) 5.26% for $100.0 - $25.0 K
5.26% *Members Choice CU Reward Checking (10x debit + DD + estatement) 5.26% for $100.0 - $25.0 K
5.25% Fitchburg Savings All-In-One Checking (10x debit + DD + estatement) 5.25% for $100.0 - $100.0 K
5.25% Alliance Bank Freedom Checking (10x debit + DD) 5.25% for $100.0 - $25.0 K
5.15% First National Bank Midwest Rewards Checking (12x debit + DD + estatement) 5.15% for $1.0 - $25.0 K
5.1% Rivermark CU Rewards Checking (12x debit + estatement) 5.10% for $20.0 - $25.0 K
5.05% Oregon CU Remarkable Checking (10x debit + DD + estatement) 5.05% for $1.0 - $200.0 K
5.01% Capital Bank Smart Checking (10x debit + DD) 5.01% for $100.0 - $200.0 K
5.01% State Bank of Toledo Hometown Reward Checking (10x debit + DD) 5.01% for $100.0 - $70.0 K
5.01% Bank of Fayetteville Smart Checking (10x debit + DD + estatement) 5.01% for $100.0 - $50.0 K
5.01% Northern Federal CU Reward Checking (10x debit + DD + estatement) 5.01% for $100.0 - $25.0 K
5.01% 1st Southwest Reward Checking (10x debit + DD + estatement) 5.01% for $100.0 - $25.0 K
5.01% First State (Gainsville) Reward Checking2 (20x debit + DD + estatement) 5.01% for $100.0 - $25.0 K
5.01% Decatur Intouch Checking (call to find 5 requirements to avoid fees) 5.01% for $100.0 - $25.0 K
5.01% People's CU e-plus Checking (12x debit + DD) 5.01% for $25.0 - $100.0 K
5.01% Coastal CU GoGreen Checking (12x debit) 5.01% for $25.0 - $50.0 K
5.01% Clinton Total Access Checking (10x debit + DD + estatement) 5.01% for $10.0 - $50.0 K
5.01% First CU Reward Checking (12x debit + estatement) 5.01% for $5.0 - $25.0 K
5.01% Blackhawk easyMONEY Checking (10x debit card) 5.01% for $1.0 - $200.0 K
5.01% Opportunity Reward Checking (10x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% Bank of Idaho Rewards Checking (10x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% Vermont CU ReWARD Checking (12x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% St Martin Reward Checking (10x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% San Antonio CU mY gen Checking (12x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% Sacramento CU Free Rewards Checking (12x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% MBT Ultra High Interest Performance Checking (15x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% Bank of Eureka Springs Reward Checking (10x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.01% *Connexus CU MyRewards Checking (10x debit + DD + estatement) 5.01% for $1.0 - $25.0 K
5.0% *Asheville Savings Best Checking (10x debit + DD + estatement) 5.00% for $50.0 - $25.0 K
5.0% U of Iowa CU Rewards Checking (12x debit + DD + estatement) 5.00% for $1.0 - $50.0 K
5.0% First Chatham Free Checking (10x debit + DD + estatement) 5.00% for $1.0 - $50.0 K
5.0% United Financial CU Direct Rewards Checking (12x debit + estatement + online banking + billpay) 5.00% for $1.0 - $25.0 K
5.0% Lake Michigan CU Max Checking (10x debit + DD + estatement) 5.00% for $1.0 - $15.0 K
4.75% Emprise eReward Checking (12x debit + DD + estatement) 4.75% for $100.0 - $25.0 K
4.75% Classic Bank Reward Checking (use debit 10x to avoid fees) 4.75% for $100.0 - $25.0 K
4.75% Florence Rewards Checking (12x debit + DD + estatement) 4.75% for $10.0 - $100.0 K
4.59% NuUnion CU SoSMART Checking (15x debit + DD + estatement) 4.59% for $1.0 - $25.0 K
4.55% Passumpsic Reward Checking (10x debit + DD + estatement) 4.55% for $1.0 - $25.0 K
4.51% Parkway Moneymaker Checking (10x debit + DD + estatement) 4.51% for $1.0 - $25.0 K
4.5% Equity WOW Gold Checking (10x debit + estatement) 4.50% for $100.0 - $25.0 K
4.5% Southland CU Super Checking (10x debit + DD + estatement) 4.50% for $1.0 - $200.0 K
4.44% First Arkansas FirstNet Checking (10x debit + DD + estatements) 4.44% for $100.0 - $200.0 K
4.41% Citizens Bank Star Rewards Checking (10x debit + DD + estatement) 4.41% for $100.0 - $25.0 K
4.25% TwinStar CU Accelerator Checking (12x debit) 4.25% for $25.0 - $30.0 K
4.25% Wilson Reward Checking (10x debit + DD + estatement) 4.25% for $1.0 - $50.0 K
4.2% BFG CU Checking 4.20% for $1.0 - $200.0 K
4.01% Eastern Virginia Bankshares Reward Checking (10x debit + DD + estatement) 4.01% for $100.0 - $200.0 K
4.01% Platte Reward Checking (10x debit + DD + estatement) 4.01% for $25.0 - $25.0 K
4.0% Rio e-Checking (10x debit + 5 billpay + DD + estatement) 4.00% for $100.0 - $25.0 K
4.0% First National Bank Ultimate Checking (15x debit + DD + estatement) 4.00% for $100.0 - $25.0 K
4.0% Liberty Bell e-statement Checking 4.00% for $1.0 - $25.0 K
3.82% Community Bank CB WOW Checking (10x debit + DD + bill pay + estatement) 3.82% for $100.0 - $100.0 K, 0.75% for $100.0 - $100.0 K
3.75% Bank of Internet Senior Checking (age 50+) 3.75% for $1.0 - $2000.0 K
3.51% *Champion Checking (10x debit + estatement) 3.51% for $100.0 - $25.0 K
3.5% Salem 5 Direct Checking 3.50% for $1.0 - $10.0 K
3.45% Bank of Internet Boomer Checking (age 40+) 3.45% for $1.0 - $2000.0 K
3.4% Bank of Internet Freedom Checking 3.40% for $1.0 - $2000.0 K
3.28% City National Bank of Taylor Reward Checking (use debit 10x to avoid fees) 3.28% for $1.0 - $200.0 K
3.2% PCBanker eChecking 3.20% for $1.0 - $10.0 K
3.04% OneUnited UNITY Gold Checking 3.04% for $10.0 - $200.0 K
3.03% Reliance Bank Money Maker Checking (10x debit + DD + estatement) 3.03% for $100.0 - $25.0 K, 0.60% for $100.0 - $25.0 K
3.01% First State Bank (Gainsville) Reward Checking (use debit 10x) 3.01% for $100.0 - $25.0 K
3.01% Schwab High Yield Investor Checking 3.01% for $1.0 - $200.0 K
3.01% Everbank FreeNet checking 3.01% for $1.0 - $10.0 K
3.0% Newbank Hi Yield Checking 3.00% for $200.0 - $200.0 K

[markber]

Updated on 5/27/2005

[TTUPharmer]

My ING MM gets 4.15%

[abowers]

Yea, ING isn't on that list! They were 4% and are now 4.15% -- the increased it right after I opened an account.

Edit: I just realized the list is from 2005. Oops.

[Ima saver]

I am getting 4.14 on my local savings account, which makes it convenient to get to.

[sweeps]

That was an old list. It hasn't been updated since May 2005.

yeah it's old but isn't it neat to "look back?"

my GMAC account just recently nudged up to 4.64%, we'll see if it bumps again after the most recent rate increase.

it will be interesting to see as rates stabilize in the 5 - 6% range, assuming they do, if these banks will keep offering these account rates without more substantial minimum deposits or if they will otherwise slide the yield down somewhat.

I don't know so I have to ask; before the rates dropped, that is, when they were at this level the last time, were there as many accounts of these types running around that were so easy to open with rates approaching 5%? If they were I don't remember them but honestly, I wasn't looking for them much back then (I was still carrying around credit card debt and involved in other assorted stupidity).

[joseblanco]

Best Rates: presidential.com has a 4.87 apy for savings & 4.5 apy for checking (minimums 5k & 1.5k respectively) and GMAC bank has 4.8 apy (500 minimum)

[markber]

The rates of interest checking accounts were updated on 3/3/08