Check also Best CD rates from iBankDesign database. Updated on 12/19/2005
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Insured by FDIC or NCUA

Interest Checking accounts:

(APYs for balances below $50,000, APY treshold is 3.00%)
• 4.52% - nBank, nPower XL - (min. balance to avoid a fee is $2,5K)
• 4.25% - Presidential Bank, Internet Checking Plus (for balances up-to $25K, direct deposit is required) - Info page
• 4.15% - First Community Bank, Net Checking (for balances above $35K)
• 4.03% - City National Bank of Taylor, Reward Checking Account (for balances up-to $25K; 10 debit card transactions per month is required) - Info page
• 4.02% - First National Bank in Cameron, Reward Checking Account - 10 check card transactions are required, for balances up-to $25K
• 4.01% - Quantum National Bank, Hi-Rate Checking (for balances above $10K)
• 3.30% - Zions Bank, High Yield Checking (for balances between $25K and $100K)
• 3.25% - Everbank, FreeNet checking (for balances between $25K and $50K) - Info page, BONUS!!!
• 3.15% - Bank of Internet, Freedom Checking (for balances up-to $25K) - Info page
• 3.15% - PCBanker, eChecking - (for balances below $10K, min. balance to avoid a fee is $1K) - Info page, BONUS!!!
• 3.05% - City National Bank of Taylor, NetAdvantage Checking Account (4 debit card transactions per month is required) - Info page
• 3.01% - Iberville Bank, Free checking (10 debit card transactions per month is required)
• 3.00% - AmTrust, Titanium Checking (10K balance is required to get the rate)
• 3.00% - eBank, ePremium Checking ($2,500 min. daily balance or $5,000 average daily balance to avoid monthly fee)
  
  
  Do you know a bank that offers an interest checking account with an APY above the current treshold (see above)? Please report it here.
  QUOTE
  iBankDesign ad:
  Get 5.01% with Everbank checking account. And if you do not like it, get $50 when you close it.
  Savings and Money Market accounts:
  
  (APYs for balances below $50,000, APY treshold is 3.50%)
  
  Regular rates
  
• 4.50% - Superior Savings, Superior Money Market (for balances above $25K)
• 4.40% - UmbrellaBank, Money Market account - (for balances above $1K, $1K min. balance is required to avoid a monthly fee)
• 4.30% - GMAC savings account ($500 balance to avoid a monthly fee) - Info page
• 4.25% - HSBC, Online Savings Account (no fees, no minimum balance)
• 4.25% - Western Financial Bank, Online Money Market Plus (min. balance of $5K to get the rate)
• 4.25% - FirstFedDirect, Internet Advantage Savings Account (CA residents are not eligible)
• 4.25% - Assurance Partners Bank, Money Market Savings (for balances above $1000)
• 4.20% - Avanta Bank, Money Market (for balances between $10K and $50K)
• 4.13% - Resource bank, eMoneyMarket
• 4.12% - Presidential Bank, Premier Savings (for balances up-to $35K)
• 4.11% - KeyDirect, Money Market ($25K is required to get the interest and avoid a monthly fee)
• 4.10% - Giant Bank, MMA (for balances above $1K)
• 4.10% - MyBankingBirect.com, New York Community Bank, More Money Market Account (min. initial deposit of $5K is required)
  
• 4.07% - Equitable Cooperative bank, SILVER SAVINGS (for balances above $25K)
• 4.03% - Zions Bank, Internet MMA (for balances above $1K)
• 4.00% - Mutual Bank, Money Market Account (for balances between $5K - $75K)
• 4.00% - EmigrantDirect, savings - (no min. balance, no fees, free interbank transfers) - Info page
• 4.00% - Bank of Oak Ridge, New Leaf Savings (a direct deposit/ACH credit is required to avoid a fee)
• 4.00% - Amboy Direct, Money Market Maximizer account (for balances above $30K)
• 4.00% - Hillcrest bank, Index Money Market (for balances between $25K and $50K)
• 4.00% - Capital One, High Yield Savings (no fees, no min. balance, free interbank transfers)
• 4.00% - St. Louis bank, Money Market account (for balances above $10K)
• 3.98% - Centennial bank, Variable Rate Passbook (for balances between $25K and $50K)
• 3.95% - Discover Financial (for balances between $25K and $50K)
• 3.92% - North Community bank, High Yield Money Market (for balances above $10K)
• 3.92% - Edens bank, High Yield Money Market (for balances above $10K)
• 3.89% - 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)
• 3.89% - Corus Bank, Managed Money Market & Ultimate Money Market (min. daily balance to avoid a monthly fee is $10K).
• 3.88% - MBNA/Fool.com, Money Market - (for balances between $10k and $50K)
• 3.82% - First Business Bank (for all balances)
• 3.80% - ING Direct, Savings (no minimums, no fees, free interbank transfers) - Info page
• 3.80% - UFB Direct, High Yield Money Market Savings (no minimums, no fees)
• 3.78% - CNBT, Reward Savings (no min. balance, no fees, unlimited ATM withdrawals)
• 3.76% - Sterling bank, Internet Money Market Account (for balances between $2,5K and $350K)
• 3.75% - AmTrust, Money Market (for balances between $25K and $50K)
• 3.75% - Access National Bank, Access Money Market (for balances above $25K)
• 3.75% - Nexity Bank, Money Market (for balances above $1.00) - Info page
• 3.75% - Advantage Money Market from Guaranty bank and Best Bank (for balances up-to $10K)
• 3.75% - Salem Five, Star Money Market (for balances above $10K)
• 3.75% - MetLife Bank, High Yield Savings (for balances above $5K) - BONUS!!!
• 3.72% - Transportation Alliance Bank, Regular SavingsAccount (for balances between $100 and $250K)
• 3.65% - Quantum National Bank, Money Market-Premium
• 3.65% - Stonebridge Bank, Money Market ($100 min. balance to avoid a monthly fee)
• 3.65%- Amboy Direct, eSavings (for balances between $3K and $100K; $50 bonus)
• 3.58% - Bank of Wausau, Lifestyle Money Market (for balances above $25K)
• 3.55% - Everbank, Money Market - Info page,
• 3.55% - Virtual Bank, eMoney Market (no min. balance, no fees, free interbank transfers) - Info page, $20 sign-up bonus and up-to $1,000 in referral bonuses.
• 3.55% - Security State Savings Bank, SecurityAdvantage® Money Market Account (for balances between $5K and $95K)
• 3.52% - California First National Bank, Money Market (for all balances)
• 3.51% - Beal Bank, Money Market ( for balances above $15K)
• 3.50% - IndyMac Super Savings (for balances between $25K and $50K)
• 3.50% - Countrywide Bank (for balances between $1K and $50K)

Promotional and special rates
• 5.00% - Amboy Direct, Maximizer's Money Market (for balances between $30,000 and $100,00)
• 4.50% - National City, Preferred Money Market Savings ? ($10K min. balance, guaranteed for 6 months)
• 4.26% - Captial One, Costco Executive Money Market rate (for balances above $100, Costco Executive Members only) + $25 BONUS.
• 4.10% - Bank of Oak Ridge, Liberty Savings (min deposit of $25,000is required. The rate is quaranteed for 6 month)
• 4.00% - Eastern Bank, Maximum Money Market (for balances of $10,000 or more)
• 4.00% - Meadows CU, Savvy Checking (anybody can join, open by 1/31/2006; rate is quaranteed until 06/30/2006; initial deposit of $5K is required)
• 3.50% - Salem Five, no penalty 9 month CD (min. balance to get the rate is 10,000)

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 insured by FDIC or NCUA

US Savings and Money Market accounts
(APYs for balances below $50,000, APY treshold is 3.00%)
• 5.50% - GMAC Demand Notes (GM family members only and stockholders)
• 5.13% - Ford MMA (for balances between $15K and $50K)
• 4.81% - Patelco Credit Union, Treasury Income Account (for balances > $25K, anybody can join)
• 4.23% - GE Interest Plus (for balances between $15K and $50K)

Updated 12/19/05