The Best Interest Rates for High Yield Online Savings Accounts

I did some research. I googled for “high yield savings account”. Found the 4 best interest online savings interest rates and the top 4 full service savings account interest rates. All of these accounts are FDIC insured.

The top 5 interest rates from online accounts with a $1 dollar minimum deposit are:
1. FNBODirect Online Banking - 5.05% APY. Offer is a variable rate no monthly maintenance fees. FBNO Direct is a part of the First National Bank family. First National has been serving Omaha and surrounding communities for 150 years and ranks as one of the fifty largest banks in the United States.
2. Emigrant Direct -4.75% APY, no fees, can link to other bank accounts, web interface. No minimum no monthly maintenance fee, bank to bank transfers take 2-3 business days. The Bank was founded by Irish emigrants as a mutual savings bank in 1850. By the 1920’s it had grown to become the largest savings bank in the nation.
3. E*TRADE Online Banking - 4.70% APY, no monthly maintenance fees. Provides financial services including trading, investing, banking and lending for retail and institutional customers. Also offers a high interest checking account with 4.00% APY for accounts with over $5,000 dollar balance.
4. UnivestDirect Online Banking - 4.55% APY, No minimum, no maintenance fees, free two-way funds tranfer between Univest and other banks. For over 130 years, Univest has become one of the strongest locally based financial institutions in southeastern Pennsylvania.

Top 4 Best Full Service Savings Accounts:
1. Washington Mutual - 5.00% APY, no minimum deposit to earn this rate however it also requires a checking account with Wamu. Washington Mutual, established as one of the nation’s leading and fastest growing financial services companies. I actually decided to go with this bank because in addition to the best interest rate it allows me to have free bill pay and access to atms and branches. This is the perfect account for my AOR.
2. Citibank Direct Online Banking - 5.00% APY, No minimum, no monthly maintenance fees. Be sure to review their requirements which include using your account for online bill payment to receive this offer. However, if you plan on doing this see how to get $200 dollars for opening a checking account with citi. Citibank is one of then world’s largest financial services companies, with approximately 200 million customer accounts in more than 100 countries. Citigroup’s Consumer businesses comprise the financial service sector's most diverse consumer product offerings, including banking services, credit cards, loans and insurance.
3. HSBC Direct Online Banking - 4.50% APY, no monthly fees or minimum balance requirements, links to your existing accounts at any bank. HSBC - North America is one of the top 10 financial services companies in the United States with assets approaching $300 billion. HSBCdirect is HSBC Bank USA, N.A.'s online-only banking channel
4. E*Trade Online Banking - 4.70% APY, No minimum, no maintenance fees. There is a QuickTransfer feature at E*Trade and it seems great. It would be convenient to have one interface to manage all my accounts at all my financial institutions. Is anyone currently using this?


Which one is the best in your opinion?








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