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[markber]

See original thread here

Updated on 9/3/2005

Insured by FDIC or NCUA

Interest Checking accounts:

(APYs for balances below $50,000, APY treshold is 2.00%)

• 3.75% - Presidential Bank, Internet Checking Plus (for balances up-to $25K, direct deposit is required) - Info page
• 3.55% - Cosmopolitan bank, The Cosmopolitan Checking Account (for balances above $25K, new money only)
• 3.45% - City National Bank of Taylor, Reward Checking Account (for balances up-to $10K) - Info page
• 3.30% - Independence Community Bank, RewardsPlus Checking (for balances above $15K)
• 3.27% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
• 3.25% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
• 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) - Info page, BONUS!!!
• 3.00% - AmTrust, Titanium Checking (10K balance is required to get the rate)
• 3.00% - First Horizon, First Horizon Checking
• 3.00% - eBank, ePremium Checking ($2,500 min. daily balance or $5,000 average daily balance to avoid monthly fee)
• 3.00% - Bank of Internet, Freedom Checking (for balances up-to $25K) - Info page
• 2.75% - Everbank, FreeNet checking (for balances between $25K and $50K) - Info page, BONUS!!!
• 2.75% - Imperial Capital Bank, Senior iChecking - ($250 min. balance to get the rate & avoid a fee) - Info page
• 2.50% - Stonebridge Bank, Super Checking (for balances above $25K)
• 2.50% - Nordstrom Bank, checking - (for balances above $10K)
• 2.50% - Imperial Capital Bank, iChecking ($1K min. balance to get the rate & avoid a fee) - Info page
• 2.25% - eBank, eFree Checking
• 2.02% - American Bank, Super Now Account ($5K to avoid fees)
• 2.00% - Access National Bank, Access Now (for balances betwen $10K and $75K)
• 2.00% - Salem Five, Gold Star Checking (for balances above $25K) - $100 bonus!!!
• 2.00% - Virginia Commerce Bank, Medallion NOW checking (combined deposit relationship of only $15,000 is required to avoid a monthly fee and get the rate)
  Do you know a bank that offers an interest checking account with an APY above the current treshold (see above)? Please report it here.

  iBankDesign ad:
  Get 4.50% with Everbank checking account. And if you do not like it, get $50 when you close it.

  Savings and Money Market accounts:
  
  (APYs for balances below $50,000, APY treshold is 3.25%)
• 4.25% - Pulaski Bank, Market Watch Savings (checking account in Pulaski Bank is required) - Thanks keller2650!
• 4.02% - Lockheed Martin FCU, Money Tree Market Account (you can get the CU membership if you join The Achievers Club for $5)
• 3.87% - Presidential Bank, Premier Savings (for balances up-to $35K)
• 3.80% - KeyDirect, Money Market ($25K is required to get the interest and avoid a monthly fee)
• 3.75% - MyBankingBirect.com, New York Community Bank, More Money Market Account (min. initial deposit of $5K is required)
• 3.76% - Resource bank, eMoneyMarket
• 3.75% - HSBC, Online Savings Account (no fees, no minimum balance)
• 3.70% - UFB Direct, High Yield Money Market Savings (no minimums, no fees) - BONUS!!!
• 3.65% - UmbrellaBank, Money Market account - (for balances above $1K, $1K min. balance is required to avoid a monthly fee)
• 3.56% - Giant Bank, MMA (for balances above $1K)
• 3.56% - Zions Bank, Internet MMA (for balances above $1K)
• 3.56% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).
• 3.55% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)
• 3.55% - Avanta Bank, Money Market (for balances between $10K and $50K)
• 3.55% - 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)
• 3.55% - Discover Financial (for balances between $25K and $50K)
• 3.55% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)
• 3.54% - Transportation Alliance Bank, Money Market Deposit Account (for balances between $25K and $50K)
• 3.51% - Advantage Money Market from Guaranty bank and Best Bank (for balances up-to $10K)
• 3.50% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers) - Info page
• 3.50% - Superior Savings, SAMM (for balances above $10K)
• 3.50% - Stonebridge Bank, Money Market ($100 min. balance to avoid a monthly fee)
• 3.45% - Hillcrest bank, Index Money Market (for balances between $25K and $50K)
• 3.45% - Capital One, High Yield Savings (no fees, no min. balance, free interbank transfers)
• 3.45% - GMAC savings account ($500 balance to avoid a monthly fee) - Info page
• 3.45% - Amboy Direct, Money Market Maximizer account (for balances above $30K)
• 3.42% - CNBT, Reward Savings (no min. balance, no fees, unlimited ATM withdrawals)
• 3.40% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers) - Info page
• 3.40% - Nexity Bank, Money Market (for balances above $1.00) - Info page
• 3.40% - Fidelity Bank, Super Savings (for balances above $5K)
• 3.40% - Access National Bank, Access Money Market (for balances above $25K)
• 3.36% - Countrywide Bank (for balances between $1K and $50K)
• 3.35% - Wilmington Trust, Savings (no minimums, no fees)
• 3.35% - Security State Savings Bank, SecurityAdvantage® Money Market Account (for balances between $5K and $95K)
• 3.30% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!
• 3.30% - ING Direct, Savings (no minimums, no fees, free interbank transfers) - Info page
• 3.30% - Digital Credit Union, LTD Savings (for balances above $25K)
• 3.26% - Bank of Wausau, Net Savings (for balances above $25K)
• 3.25% - Citibank, e-Savings (no minimum balance) Info Page
• 3.25% - Salem Five, Star Money Market (for balances above $10K)
• 3.25% - Central Bank, Market Investment Account (for balances above $10K)
• 3.25% - St. Louis bank, Money Market account (for balances between $25K and $50K)

Do you know a bank that offers a savings or money market account with an APY above the current treshold (see above)? Please report it here.

Not insured by FDIC or NCUA

US Savings and Money Market accounts
(APYs for balances below $50,000, APY treshold is 3.00%)
• 4.50% - GMAC Demand Notes (GM family members only?)
• 4.34% - Ford MMA (for balances between $15K and $50K)
• 3.75% - Patelco Credit Union, Treasury Income Account (for balances > $25K, anybody can join)
• 3.45% - GE Interest Plus (for balances between $15K and $50K)