Best Nationally Available Reverse Tier Savings/MMA, 24 August 2026

• Noble Credit Union • Reverse Money Market Account • 6.00% (▲100 bps) ($100-$2.5k), 2.25% (▼25 bps) ($2.5k-$5k), 1.00% (▼25 bps) ($5k-$7.5k), 0.75% (▼25 bps) ($7.5k-$10k), 0.05% (▼45 bps) ($10k+)

• All America Bank • Mega Money Market Checking • 3.60% (▼10 bps) (up to $100k), 0.50% ($100k+)

• Redneck Bank • Mega Money Market • 3.60% (▼10 bps) (up to $100k), 0.50% ($100k+)

• 2UFi • Business Savings • 5.00% (up to $10k)

DepositQuest’s focus is on personal accounts, but following an email exchange with the CFO of 2UFi, I’ve included the 2UFi Business Savings account. This reverse-tier business savings account pays 5.00% APY on balances up to $10k and is available nationwide with the exception of New Mexico.

2UFi is a fintech that partners with 2UniFi Bank; both are subsidiaries of National Bank Holdings Corporation.

This is an account tailored for small businesses that do not qualify for the minimum balance thresholds that many banks require for a business account. As the CFO stated,

Offering a combined checking/savings suite with automatic sweep functionality (and at a 5% rate) is unique to the true small business segment.

According to the Business Savings landing page:

Listed below are the nationally available Reverse Tier Accounts from banks and credit unions that offer an APY of 5.00% or higher, as of August 24, 2026.

• Bayer Heritage Credit Union • High Yield Savings • 10.00% (up to $1k), 0.50% ($1k-$50k), 0.10% ($50k+)

• Air Academy Credit Union • Reverse Tier Savings Account • 6.50% (up to $2k), 1.25% ($2k-$5k), 0.25% ($5k-$10k), 0.15% ($10k-$50k), 0.05% ($50k+)

• Noble Credit Union • Reverse Money Market Account • 6.00% (▲100 bps) ($100-$2.5k), 2.25% (▼25 bps) ($2.5k-$5k), 1.00% (▼25 bps) ($5k-$7.5k), 0.75% (▼25 bps) ($7.5k-$10k), 0.05% (▼45 bps) ($10k+)

• Partner Colorado Credit Union • Power Savings • 5.50% (up to $1k), 1.05% ($1k-$2.5k), 0.50% ($2.5k-10k), 0.05% ($10k+)

• Sunward • Power Money Market • 5.04% (up to $2.5k), 3.04% ($2.5k-$5k), 2.04% ($5k-$10k), 1.04% ($10k-$15k), 0.44% ($15k-$25k), 0.14% ($25k+)

• 2UFi • Business Savings • 5.00% (up to $10k)

• AdelFi Christian Banking • Harvest Savings • 5.00% (up to $5k), 2.25% ($5k-$10k), 0.10% ($10k+)

• Michigan State University Credit Union • Savings Builder • 5.00% (up to $1k), 3.62% ($1k-$2k), 0.98% ($2k+)

• Andrews Federal Credit Union • Online Savings Account • 5.00% (up to $1k), 0.05% ($1k+)

• Kinecta • High Yield Savings • 5.00% (up to $500), 3.00% ($500-$50k), 2.75% ($50k-$100k), 0.05% ($100k+)

• Blue Federal Credit Union • Accelerated Savings • 5.00% ($25-$1k), 1.00% ($1k-$5k), 0.50% ($5k-10k), 0.25% ($10k-$50k), 0.15% ($50k+)

• CommunityAmerica Credit Union • High-Interest Savings • 5.00% (up to $2.5k), 0.03% ($1k+)

• Fairwinds Credit Union • Emergency Savings • 5.00% (up to $1k), 0.10% ($1k+)

• DCU • Primary Savings • 5.00% (up to $1k), 0.05% ($1k+)

Below are the top ten approximate annual yields on balances of $1k, $2.5k, $5k, $10k, and $25k as of August 24, 2026.

Keeping track of rates is thirsty work.

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The attached spreadsheet includes 37 nationally available Reverse Tier Savings and Money Market Accounts. The links go directly to each financial institution’s rate page or product landing page.