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[markber]

Check also Best CD rates thread

Updated on 10/01/2005

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Insured by FDIC or NCUA

Interest Checking accounts:

(APYs for balances below $50,000, APY treshold is 3.00%)

• 4.00% - Presidential Bank, Internet Checking Plus (for balances up-to $25K, direct deposit is required) - Info page
• 3.49% - Cosmopolitan bank, The Cosmopolitan Checking Account (for balances above $25K, new money only)
• 3.49% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
• 3.45% - City National Bank of Taylor, Reward Checking Account (for balances up-to $10K) - Info page
• 3.45% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
• 3.30% - Independence Community Bank, RewardsPlus Checking (for balances above $15K)
• 3.20% - Everbank, FreeNet checking (for balances between $25K and $50K) - Info page, BONUS!!!
• 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
  
  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 3.30%)
  
  Regular rates
  
• 4.25% - Pulaski Bank, Market Watch Savings (checking account in Pulaski Bank is required) - Thanks keller2650!
• 4.12% - Presidential Bank, Premier Savings (for balances up-to $35K)
• 4.00% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers) - Info page
• 3.80% - KeyDirect, Money Market ($25K is required to get the interest and avoid a monthly fee)
• 3.80% - UFB Direct, High Yield Money Market Savings (no minimums, no fees) - BONUS!!!
• 3.78% - CNBT, Reward Savings (no min. balance, no fees, unlimited ATM withdrawals)
• 3.76% - Resource bank, eMoneyMarket
• 3.75% - MyBankingBirect.com, New York Community Bank, More Money Market Account (min. initial deposit of $5K is required)
• 3.75% - HSBC, Online Savings Account (no fees, no minimum balance)
• 3.75% - UmbrellaBank, Money Market account - (for balances above $1K, $1K min. balance is required to avoid a monthly fee)
• 3.75% - Superior Savings, SAMM (for balances above $10K)
• 3.66% - Avanta Bank, Money Market (for balances between $10K and $50K)
• 3.56% - Giant Bank, MMA (for balances above $1K)
• 3.60% - Discover Financial (for balances between $25K and $50K)
• 3.56% - Zions Bank, Internet MMA (for balances above $1K)
• 3.55% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)
• 3.55% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers) - Info page, $20 sign-up bonus and up-to $1,000 in referral bonuses.
• 3.52% - California First National Bank, Money Market (for all balances)
• 3.51% - Advantage Money Market from Guaranty bank and Best Bank (for balances up-to $10K)
• 3.50% - Stonebridge Bank, Money Market ($100 min. balance to avoid a monthly fee)
• 3.50% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!
• 3.50% - Nexity Bank, Money Market (for balances above $1.00) - Info page
• 3.50% - Countrywide Bank (for balances between $1K and $50K)
• 3.49% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)
• 3.49% - 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)
• 3.49% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).
• 3.46% - North Community bank, High Yield Money Market (for balances above $10K)
• 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)
• 3.45% - Quantum National Bank, Money Market-Premium
• 3.44% - First Business Bank (for all balances)
• 3.40% - Everbank, Money Market - Info page,
• 3.40% - ING Direct, Savings (no minimums, no fees, free interbank transfers) - Info page
• 3.40% - Access National Bank, Access Money Market (for balances above $25K)
• 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% - Digital Credit Union, LTD Savings (for balances above $25K)
• 3.30% - Transportation Alliance Bank, Regular SavingsAccount (for balances between $100 and $250K)
• 3.30% - Amboy Direct, Savings account (for balances between $3K and $100K) - BONUS

Promotional and special rates
• 4.00% - Eastern Bank, Maximum Money Market (for balances of $10,000 or more)
• 3.81% - Captial One, Costco Executive Money Market rate (for balances above $100, Costco Executive Members only) + $25 BONUS.
• 3.50% - First Morris, Platinum checking (rate is guaranteed for three months)

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%)
• 4.75% - GMAC Demand Notes (GM family members only and stockholders)
• 4.45% - Ford MMA (for balances between $15K and $50K)
• 3.75% - Patelco Credit Union, Treasury Income Account (for balances > $25K, anybody can join)
• 3.71% - GE Interest Plus (for balances between $15K and $50K)