topic Personal Bank Accounts with Best APY's? in Personal Finance

Personal Bank Accounts with Best APY's?

PhilL — Tue, 02 Sep 2025 00:29:39 GMT

My current personal bank accounts are held at a credit union, and the savings account portion offers only a 0.05% interest rate. I was looking for something better, if possible.

I was wondering what the consensus is among the more knowledgeable individuals here regarding personal bank accounts from companies like American Express, Chase, Wells Fargo, etc.?

From what I've read, the opinion seems mixed, and a lot of the more mainstream banks have been lowering their APYs. However, what any of them offer seems better than what I currently have.

Thank you for your opinions!

Re: Personal Bank Accounts with Best APY's?

FicoMike0 — Tue, 02 Sep 2025 00:39:09 GMT

Amex and Capone offer 3.5%. You can do better, but many include some hoops jumping. I use a cash management account at fidelity investments, which is paying 3.96%. The cma has all the features of a checking account, but no branches.

Here's a link,

https://www.bing.com/aclk?ld=e8thhWog2co6kHL_V4HCsH0zVUCUxWRqo44qX3DP6KJcq3M5eAoKjiNkEaRngnJb-CR-3iU4gAcaUxVQU6DkT6eVG2WnWuU6oPLJGzweo_MWqCjLzOuXISC5JgrkfxB8qlijwxj-HM41xBmNMFWWUXjfyhZVD6a2izzPbwivXTQQ8evrsENMZvma1lNOFAA7_gAnu9qQ&u=aHR0cHMlM2ElMmYlMmZ3d3cubmVyZHdhbGxldC5jb20lMmZtJTJmYmFua2luZyUyZnN0YW5kb3V0LW9ubGluZS1zYXZpbmdzLWFjY291bnRzLTIlM2Ztc2Nsa2lkJTNkYTJlNTg4YjVkZmI5MWQ5NjJlNTRlMDAzZTNlNGU1NmQlMjZ1dG1fc291cmNlJTNkYmluZyUyNnV0bV9tZWRpdW0lM2RjcGMlMjZ1dG1fY2FtcGFpZ24lM2Ria19ta3RnX3BhaWRfMDEwMTIzX3NhdmluZ3NfdG9wYmVzdHJhdGVzX2JpbmclMjZ1dG1fdGVybSUzZGJlc3QlMjUyMHNhdmluZ3MlMjUyMGFjY291bnQlMjUyMGludGVyZXN0JTI1MjByYXRlcyUyNnV0bV9jb250ZW50JTNkVG9wJTI1MkZiZXN0JTI1MjBpbnRlcmVzdCUyNTIwcmF0ZXM&rlid=a2e588b5dfb91d962e54e003e3e4e56d&ntb=1

Re: Personal Bank Accounts with Best APY's?

Patient957 — Tue, 02 Sep 2025 01:22:20 GMT

Etrade/Morgan Stanley Premium Savings Account currently at 4%.

Re: Personal Bank Accounts with Best APY's?

ptatohed — Tue, 02 Sep 2025 14:41:52 GMT

If you can find a HYCA that's as good as (or better) the best HYSAs, you may not even need a savings account. I use primis. They are advertising 4.05% but, for some reason, I am still at 4.20%. I keep more than enough money in there to cover all my auto-pay bills and I just watch the $2XX interest payments come in every month. No hoops. 24/7 live American service. In fact, I had to call today (Labor Day) at 6pm my time (I think 8pm her time) and the friendly English speaking service rep was there to help. All ATM fees are refunded. Whatever you decide, do not keep your money rotting at 0.05%.

Re: Personal Bank Accounts with Best APY's?

MarkintheHV — Tue, 02 Sep 2025 09:40:38 GMT

@FicoMike0 wrote:
I use a cash management account at fidelity investments, which is paying 3.96%. The cma has all the features of a checking account, but no branches.

I use the same. No complaints with Fidelity. I keep an account ($5 balance) at a local credit union in case I need to make a large cash deposit (like when I sold a car) that doesnt charge fees for cashiers check, then I deposit the cashiers check in my Fidelity CMA account.

Wife and I love the benefit that refunds us all ATM fees. No more having to hit a certain ATM to avoid fees.

Re: Personal Bank Accounts with Best APY's?

AndySoCal — Tue, 02 Sep 2025 13:24:26 GMT

@PhilL Here a couple of suggestions if you would prefer the checking and the yield savings in one place

https://www.andrewsfcu.org/Learn/Resources/Rates/Savings-Rates

If you want to shop for rates

https://www.depositaccounts.com/savings/

you will need to configure the This to where you live. Below the feature accounts is a list of banks and credit unions. check the high yield personal savings and money market

Re: Personal Bank Accounts with Best APY's?

Outbackexplorer — Sun, 21 Sep 2025 02:07:54 GMT

https://www.doctorofcredit.com/high-interest-savings-to-get/

Check this out. Current highest is Hustl financial at 4.8%. I have an account, so far so good.

I also have one at Neighbor's bank which is 4.60%. Currently they have a waiting list, but some people are being taken off of it recently.