In mid-May, I wrote, “For a limited time, OMB is offering a 60-day Promo 4.26% APY on its Online High Yield Savings Account;” that limited time ended this week. According to an email I received from OMB, the online high interest savings account has been removed from the OMB website and “it is no longer available.”
This isn’t necessarily the end for the OHYSA: my contact at OMB said the removal is anticipated to be temporary. While that was encouraging news, I remember being told something similar about the removal of the Newtek Bank Personal High Yield Savings in February. We’re still waiting for that savings account to return.
NexBank (Raisin) • High Yield Savings Account • 4.15% ($1 min) • 90-Day Promo APY for new Raisin Users
Patriot Bank NA (Raisin) • High Yield Savings Account • 4.15% • 60-Day Promo APY for new Raisin Users
Forbright Bank • Growth Savings Promo • 4.15% • through 12/31/2026 after one-time minimum balance of $1k is reached by 08/31/2026
CIT Bank • Platinum Savings • 4.10% ($5k min), 0.60% (up to $5k) ($100 min opening deposit) • 6-Month CITBOOST Promo APY for new and existing customers, ends 8/31/2026
Clearpath Federal Credit Union • Signature Money Market • 4.07% ($50k-$250k) ($50k min opening deposit • 18-month rate guarantee if balance does not fall below $50k
Centier Bank (Raisin) • High Yield Savings Account • 4.00% ($1 min) •120-Day Promo APY for new Raisin Users
Jovia Financial Credit Union • Premier Money Market Account Promotion • 4.00% ($50k min) • 6-month rate guarantee on balances of $50k+ in a new Premier MMA
AdelFi Christian Banking • High-Yield Money Market Promotion • 4.00% (up to $100k) ($1k min opening deposit) • 12-month rate guarantee, new money only
E*Trade from Morgan Stanley • Premium Savings • 4.00% (no min) • 6-month rate guarantee AND a $400 cash bonus for new accounts; must open and fund by 9/30/26
Bask Bank • Bask Interest Savings Account • 3.75% (no min) (base rate) • new customer boost (10 bps) and direct deposit activity boost (new and existing customers (25 bps)
Barclays • Barclays Tiered Savings • 3.65% ($250k+), 3.50% (<$250k) • $200 Bonus offered through October 31, 2026.
To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account through 10/31/2026, fund your new Barclays Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and maintain the balance of at least $25,000 for 120 consecutive days.
After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days.
AARP® Digital Banking from Barclays is offering a $400 Bonus on its Select Savings (4.00% on all balances) now through October 31, 2026. An AARP membership is required to open a Select Savings account.
To qualify for this bonus offer, you must be a new Select Savings from Barclays customer, open an account through 10/31/2026, fund your new savings account with at least $40,000 within the first 30 days of opening the account, and maintain the balance of at least $40,000 for 120 consecutive days.
After you maintain the $40,000 balance for 120 consecutive days, the $400 bonus will be added to your account in approximately 60 days.
The Raisin Summer26 bonus has been extended through August 31, 2026.
New Raisin customers can earn a cash Welcome Bonus up to $1,000, with a Bonus Boost (up to $200) available when making additional deposits totally between $100 and $2,000.
Step 1: Claim your welcome bonus
Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
Step 2: Add an extra boost (optional)
To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
Step 3: Get rewarded
Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days
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Quorum Federal Credit Union • HighMarq Savings • 4.00% (▲25 bps) $10k min) (no min opening deposit)
Live Oak Bank • Personal Savings • 3.90% (▲10 bps) ($0 min/$5m max)
Listed below are the 20 highest-rate nationally available savings accounts and Money Market accounts as of August 21, 2026. The links go to either the product’s landing page or the financial institution’s rate page.
Elevault • Vault • 4.34% (up to $500k)
ValorFI Heroes • High Yield Savings • 4.25% ($5 min opening deposit)
Vibrant • Elite Savings • 4.25% ($1m+), 3.75% ($250k-$1m), 3.50% ($100k-$250k), 0.50% ($1-$100k) (no min opening deposit)
Newtek Bank • Personal High Yield Savings (existing accounts only) • 4.20% (no min)
Forbright Bank• Growth Savings Promo • 4.15% (no min), (no min opening deposit) • Promo APY for new Forbright Bank customers guaranteed through 12/31/2026.
NexBank (Raisin) • High Yield Savings Account • 4.15% ($1 min) • 90-Day Promo APY for new Raisin Users
Patriot Bank N.A. (Raisin) • High Yield Savings Account • 4.15% ($1 min) • 60-Day Promo APY for new Raisin Users
Always.bank • Always Savings Account • 4.10% (all balances)
Pibank • Pibank Savings • 4.10% (no min or min opening deposit) • N.B. No ACH available for Pibank Savings
CIT Bank • Platinum Savings • 4.10% ($5k min), 0.60% (up to $5k) ($100 min opening deposit) • (rate includes CITBOOST additional 35 bps guaranteed for 6 months)
MapleMark Bank • Diamond Money Market Savings Account • 4.07% ($25k min) ($25k min opening deposit of new money) • new clients with new money only
Clearpath Federal Credit Union • Signature Money Market • 4.07% ($50k-$250k) • 18-month rate guarantee if balance does not fall below $50k
316 Financial • Interest-Earning Savings • 4.05% ($1 min opening)
Climate First Bank • Super Duper Savings Account • 4.01% (all balances), ($50 min opening deposit)
Peak Bank • Envision High-Yield Savings • 4.01% (up to $500k), 3.14% ($500k+) ($100 min opening deposit)
FVCbank • Advantage Direct Savings Account • 4.01% (no min), ($500 min opening deposit)
TotalBank • Direct Money Market Deposit Account • 4.01% ($2.5k min/$1m max), ($25k min opening deposit)
WSBDigital • WSB Digital High Yield Savings • 4.01% ($25k+), 0.50% (up to $25k) ($10 min opening deposit)
E*Trade from Morgan Stanley • Premium Savings Account • 4.00% (promo rate) (no min) • 6-month rate guarantee for new accounts and $400 cash bonus for depositing $20k+ of new money; must open and fund by 9/30/2026
Goldwater Bank • High Yield Savings • 4.00% (all balances), (no min opening deposit)
Deposit Quest tracks Money Market and Savings Account rates so you don’t have to.
Bank5 Connect • Connect Money Market • 4.00% (▲30 bps) ($100 min)
DR Bank (Raisin) • High Yield Savings Account • 3.90% ($1 min)
First Mid Bank & Trust (Raisin) • High Yield Savings Account • 3.85% ($1 min)
First Mid Bank & Trust (Raisin) • Money Market Deposit Account • 3.85% ($1 min)
OMB • Online High Yield Savings Account • 4.26% (no min) • 60-day Promo APY
Medallion Bank (Raisin) • High Yield Savings Account • 4.00% ($1 min)
The attached spreadsheet lists the current 100 best rates offered on nationally available savings accounts and Money Market accounts as of August 21, 2026.
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