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Best Interest Rate Banks

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FNBO Direct, E*Trade Bank, WTDirect, ING Direct, and EverBank. When it comes to online savings accounts and getting the highest, best possible interest rate APY on your savings, the differences between these accounts is small. Each of these online banks is reputable, each of these online banks have been in business for many years, each of these online banks are FDIC insured, registered, and confirmed with their FDIC Certificate number. It all comes down to the interest rate APY they can offer, which we've listed, and whether you're willing to spend five minutes to apply. If you want to get the best possible rates, simply pick one of the online banks below based on who has the best interest rates now and you'll be just fine.

FNBO Direct

FNBO Direct
Open A FNBO Direct Account Today!
  • 3.25% APY Interest Rate
  • 9X the national average
  • First National Bank of Omaha, established 1857
  • $1 to open, no minimum balance
  • No monthly fees
  • Online BillPay access!
  • FDIC Insured (Cert. #5452)
  • Learn More!

 


Everbank

Click here to start saving with Everbank!
Open An Everbank Account Today!
  • 3.93% APY Interest Rate
  • $1500 minimum to open
  • No minimum balance to earn interest
  • No monthly fee
  • Free optional online bill pay
  • Unlimited check writing
  • ATM reimbursement ($6/mo)
  • Free Visa Check Card
  • FDIC Insured (Cert. #34775)
  • Learn More!


 

WT Direct

WT Direct
Open A WT Direct Account Today!
  • 3.06% APY Interest Rate
  • In top 5% among U.S. banks
  • $1 to open, no minimum balance
  • No monthly fees
  • $0 Liability Guarantee for unauthorized transactions
  • No checking account required for high rate
  • FDIC Insured (Cert. #33911)
  • Learn More!

 

E*Trade

E*Trade
Open An E*Trade Account Today!
  • 3.30% APY Interest Rate
  • 8X the national average
  • $1 to open, No minimum balance
  • No account fees
  • Named "Best of the Breed" in August 2007 by Money magazine
  • Link directly to a brokerage trading account
  • FDIC Insured (Cert. #30746)
  • Learn More!

 

ING Direct

Click here to start saving with ING DIRECT!
Open An ING Direct Account Today!
  • 3.00% APY Interest Rate
  • $1 to open, No minimum balance
  • No account fees whatsoever
  • Pioneered the Online Savings Account concept
  • Operating in 9 countries, 17M customers
  • Called "the best money market account in the country..." by Money Magazine.
  • FDIC Insured (Cert. #35489)
  • Learn More!