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[markber]

(updated on 3/2/2005)

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FDIC insured

Interest Checking accounts:

(APYs for balances below $50,000, APY treshold is 1.75%)

• 3.01% - City National Bank of Taylor, Reward Checking Account (for balances up-to $10K) - Info page
• 3.01% - Iberville Bank, Free checking (10 debit card transactions per month is required)
• 3.00% - Presidential Bank, Internet Checking Plus (for balances up-to $25K) - Info page
• 2.75% - Cosmopolitan bank, The Cosmopolitan Checking Account (for balances above $25K, new money only)
• 2.64% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
• 2.50% - Green Point bank, Interest Checking (for balances above $10K)
• 2.45% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
• 2.25% - eBank, ePremium Checking ($2,500 min. daily balance or $5,000 average daily balance to avoid monthly fee)
• 2.25% - Access National Bank, Access Now (for balances betwen $10K and $75K)
• 2.25% - Bank of Internet, Freedom Checking (for balances up-to $25K) - Info page
• 2.17% - Imperial Capital Bank, Senior iChecking - ($250 min. balance to get the rate & avoid a fee) - Info page
• 2.07% - Imperial Capital Bank, iChecking ($1K min. balance to get the rate & avoid a fee) - Info page
• 2.02% - American Bank, Super Now Account ($5K to avoid fees)
• 2.00% - PCBanker, eChecking - (for balances below $10K, min. balance to avoid a fee is $1K) - Info page, BONUS!!!
• 2.00% - Nordstrom Bank, checking - (for balances above $10K)
• 1.90% - AMTrust, Platinum Checking (for balances between $25K and $50K, 5K min. to avoid a fee)
• 1.75% - Everbank, FreeNet checking (for balances between $25K and $50K) - Info page, BONUS!!!
  Do you know a bank that offers an interest checking account with an APY above the current treshold (see above)? Please report it here.

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  Savings and Money Market accounts:
  
  (APYs for balances below $50,000, APY treshold is 2.40%)
• 3.25% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)
• 3.04% - Superior Savings, FReD account (for balances above $10K)
• 3.00% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers)
• 3.00% - Access National Bank, Access Money Market (for balances above $25K)
• 3.00% - UFB Banking Center, Money Market Account - (for balances above $15K)
• 2.75% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).
• 2.75% - 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)
• 2.75% - UFB Direct, High Yield Money Market Savings (no minimums, no fees)
• 2.75% - Capital One, High Yield Savings (no fees, no min. balance, free interbank transfers)
• 2.74% - Quantum National Bank, Money Market
• 2.72% - Resource bank, eMoneyMarket
• 2.68% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)
• 2.65% - Zions Bank, Internet MMA (for balances above $1K)
• 2.63% - California First National Bank, Money Market (for all balances)
• 2.61% - Countrywide Bank (for balances between $1K and $50K)
• 2.60% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers) - Info page
• 2.60% - ING Direct, Savings (no minimums, no fees, free interbank transfers) - Info page
• 2.59% - GMAC savings account ($500 balance to avoid a monthly fee) - Info page
• 2.53% - Genoa Savings, Money Market (for balances between $20K and $50K, $2.5K min. balance to avoid a fee)
• 2.53% - Superior Savings, Simply Supperior Money Market (min. balance of $1K to get the rate and avoid fees)
• 2.52% - Giant Bank, MMA (for balances above $1K)
• 2.50% - Eastern Bank, Guaranteed Money Market (for balances above $10K)
• 2.50% - UmbrellaBank, Money Market account - (for balances above $25K, $1K min. balance is required to avoid a monthly fee)
• 2.50% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!
• 2.50% - Beal Bank, Money Market ( for balances above $25K)
• 2.50% - eBank ePremier Money Market (for balances between $25K and $50K, $1K min. balance is required to avoid a $10 fee)
• 2.50% - Charter One, Circle Money Market (for balances between $25K and $50K, $5K min. balance to avoid a fee)
• 2.50% - Central Bank, Market Investment Account (for balances above $10K)
• 2.45% - Nexity Bank, Money Market (for balances above $1.00) - Info page
• 2.45% - IndyMac Super Savings (for balances between $25K and $50K)
• 2.45% - Discover Financial (for balances between $25K and $50K)
• 2.45% - BMW Financial, Money Market (for balances between $2.5K and $50K)
• 2.40% - Digital Credit Union, LTD Savings (for balances above $25K)
• 2.40% - Netbank, NetConnect Silver (activated check card and a checking linked to MM account are required)

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-FDIC insured

Savings and Money Market accounts
(APYs for balances below $50,000, APY treshold is 2.11%)
• 3.05% - Ford MMA (for balances between $15K and $50K)
• 2.58% - GE Interest Plus (for balances between $15K and $50K) + $25 bonus