Top High-Yield Savings Accounts: Interest Rates And Some Thoughts

by golbguru on September 21, 2007

After the recent cut in the Federal Funds Rate, it is anticipated that most high yield savings accounts will follow suit and decrease the interest rates offered on deposits. In fact, a couple of fellow bloggers reported yesterday that ING Direct has already reduced it’s savings account interest rate from 4.50% (yawn) to 4.30% (longer yawn). It won’t be too long before other banks respond in a similar manner.

Although, ING’s 0.2% rate reduction can hardly be called as “significant”, for people who are used to earning interest at a higher rate, such a drop causes some discomfort. Consequently, they start looking around for other accounts that are offering better rates.

If you belong to such a group, here are some options you might want to consider.

The table below lists banks that are offering an interest rate (APY) of 5.00% or more on their respective online savings accounts as of 09/25/2007 (links are for information only - no referral links):

[TABLE=6]

[Click on the column headings to sort in ascending or descending order]

The table has been compiled according to the following guidelines:

  • All rates are regular, NOT introductory.
  • Both, money market accounts (MMA) and savings accounts are considered.
  • Accounts which offer tiered rates on deposits are NOT included [for example, accounts that offer 0% APY on balances below $5000 and 5% APY on balances above $5000 are not included]. The only exception is Presidential Online Bank which is offering the 5.25% APY for balances below $35,000.
  • Accounts which charge monthly maintenance fees [based on average daily balance requirements] are NOT included. That means, none of the above banks carry a minimum balance requirement (may be $1 in some cases, but that shouldn’t be a problem).
  • All accounts are FDIC insured.
  • So basically, these are the top interest bearing banking accounts with low potential for surprises. Of course, you still have to read (and understand) the fine print before you sign anything.

Notes: It is very likely (but not guaranteed) that the rates in the above table will go down in the near future. However, keep the list handy - in all probability, even after a drop in the interest rates across the board, the top players will still be offering better interest rates than the rest of the herd.

Which type of accounts are better? Money market accounts or savings accounts?

Earlier, I wrote about the factors I would consider for choosing an online savings account. From the point of view of these factors, both money market accounts and savings accounts offer a similar deal. Both are FDIC insured and generally offer similar transaction facilities. However, typically, money market accounts tend to be tiered - different interest rates are offered on different amounts of deposits, unlike most savings accounts. Also, money market accounts tend to carry more fees (maintenance, minimum balance, etc.) than simple savings accounts. So watch out.

However, the two money market accounts that I included in the above table don’t have tiered structure (at present), and there are no maintenance fees involved. So, for all practical purposes, they are as good as the other savings accounts. However, keep in mind that these things are not set in stone and banks may change terms and conditions after you sign up for an account.

Other thoughts on the subject

  • Take it easy: In my opinion, there is no need to go all hyper on trying to switch bank accounts just because your bank dropped interest rates on savings by 0.2%. It helps to have a sense of proportion here. Just ask yourself: how much is this interest rate drop going to cost me?

Remember, for each 0.1% drop, you stand to lose $1 in interest per year on every $1000 you have in your savings account - before considering taxes. If you consider a 25% tax rate on the interest earned, then each 0.1% drop causes a $0.75 loss in interest on every $1000.

Following the above numbers (which I hope are correct - I just did it on the fly, so let me know if the math seems off), we can easily estimate (for example) that for the recent case of ING Direct’s interest rate cut (0.2%), a person who has $10,000 with ING will stand to lose about $15 a year in interest earnings.

At this point, it’s worth looking into the reasons why you have been doing business with your current bank. Sometimes, interest rate is not the only reason why people choose different banks. If those reasons aren’t worth $15 a year (or whatever loss you are looking at), sure go ahead and get a new account at different bank.

  • Considering a CD? Certificate of Deposit (CD - also known as “Term Deposit” or “Fixed Deposit”) will be an area where people will tend to look into to lock in “good” rates, especially after the recent rate cut. However, make sure you do your homework well with CD rates and shop around. As of now, I don’t see any point in buying a long term CD that pays a much lower interest rate than some top savings account in the market. For example, take a look at ING Direct’s CD rates:

ING Direct CD Rates

Personally, I would never consider these CDs if I am getting a better rate and more liquidity with a savings account with another bank.

Also, keep in mind that banks that give top rates for high yield savings accounts do not necessarily give top rates for CDs. Again, remember to shop around before deciding on switching to CDs with your current bank.

My experience with some of the banks

  • My first online savings account was with ING Direct. Although, I hardly keep anything in it now-a-days, ING has always given me a “feel good” vibe. I have contacted their customer service on multiple occasions for various reasons and had a good experience each time. Plus, their multiple sub-accounts feature is just awesome - perfect for budgeting purposes. It’s a pity they don’t offer top interest rates anymore.
  • Emigrant Direct is better now (as compared to their earlier interface), but it doesn’t appear as “appealing” as ING even though it has consistently offered better rates than ING. I have an account here, but it’s largely dormant.
  • HSBC Direct is my central hub at present. In terms of functionality, and security, I am most comfortable with this account. There is no restriction on how many external accounts you can connect to HSBC’s account (and hence it can act a hub) - makes it easier to organize other accounts. Also, you can set up automatic weekly/monthly transfers to/from multiple accounts for a given period of time. The account also comes with an ATM card - awesome feature for emergencies. Login procedures suck, but I can live with that.
  • iGobanking is the latest addition to our army of bank accounts. Account opening procedure was a breeze, and customer service was very helpful. However, I do have to point out that their online help documentation sucks - it’s just not adequate enough (hint: try finding their routing number). However, A 5.30% APY makes up for that.

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{ 104 comments… read them below or add one }

1 Jeremy Bettis 09.21.07 at 5:56 am

Personally I use the Vanguard Prime Money Market Fund, currently at 5.09% with a minimum opening deposit of $3000.

It has been paying over 5% for the last year. The rate changes every day, but doesn’t change very much at a time.

Not FDIC insured, but you get a checkbook.

2 tba02 09.21.07 at 1:01 pm

I’m sticking with my ING Electric Orange as I have 50+K which is at 4.9%. Other monies are in my WAMU online savings which so far has held at 5%. WAMU also serves as a local B&M affording me (infrequent) check writing and deposits as needed.

WAMU reference -
https://online.wamu.com/direct/apply/page/StartApplication?appType=FC

3 Moneymonk 09.21.07 at 1:43 pm

I see my ING did not make the cut ! :(

4 golbguru 09.21.07 at 2:23 pm

Money Monk: I see an ironic pun in there.

Yes, your ING did make the cut! (but it made the cut on the interest rate) :)

5 Tim 09.23.07 at 10:31 am

a .2% reduction in of itself isn’t much; however, when other banks are holding the line another .2% difference is significant. igobanking is now a full percent above ING.

the issue i have is how quickly ING lowered its rate. ING had such a cavalier and defiant attitude about raising rates above the 4.5%, yet they did not hesitate to lower the rate for savings. Notice ING did not equally reduce its lending rates. For those who have all the feel good things about ING, that gives me pause.

i have money split between igobanking and my money market account.

6 Mya Moola 09.26.07 at 11:24 am

I don’t think ING was cavalier about the whole thing so much as they just wanted to ‘rip the band-aid’ off and get it over with. I have a sneaking suspicion we’re going to see similar drops from other banks soon enough, when interest rates stop being the talk of the town.

For me, I’d rather someone who gives it to me straight, instead of trying to sneak it by me later.

7 Jurgen Schwartz 09.27.07 at 6:09 am

Thanks for the chart of the top high-yield savings accounts. I currently have an account with HSBC, and while the drop hurt, I plan to keep the account since it fits in with my retirement plans. I think this drop will be seen accross the board and we will probably see more drops later on. I currently see no need to withdraw what I have deposited there, but will have to consider moving some income into CDs and bullion.

8 freefrombroke 10.06.07 at 8:19 am

Great chart! I’ve been using ING for years and I knew there were other high-yield accounts out there but didn’t realize there were so many. I’m going to have to consider putting some money into a money market account with a brokerage. At least if I’m too chicken to pick a stock I’ll at least earn better interest.

9 James 10.09.07 at 6:55 am

Immigrant just dropped their rate to 4.5%. Looks like I’ll be busy shopping around tonight.

10 Jon 10.09.07 at 7:52 am

TBA02, why don’t you bank with ufbdirect if you have the money to earn higher interest? Does anyone bank with them? Has anyone heard of raving reports about them?

11 Zach 01.04.08 at 3:43 pm

As you say, ING just gives you a feel good vibe. I’ve been with them for a couple years now and I’ve never had any trouble. The online interface is great, easy and trouble free. If anyone wants to open an ING Account and get an initial $25 deposit, shoot you an e-mail and I’ll send you over a “sign up” link! z3trkrnr@gmail.com (the trkrnr stands for track runner, I ran track in High School and College)

12 Alex 01.25.08 at 7:30 am

I was using the bbt E-savings account at a 4.01 APY. was doing well til a few days ago, where other banks dropped .2, bbt dropped .4, then followed that up with another .4. It is now sitting at 3.2% with no warnings or documentation, and leaving me with a very bad taste in my mouth. I guess it is time to move on…

13 Roy 01.31.08 at 11:31 pm

Anyone try Flagstar? Looks like one of the better deals now… But, I’ve never heard of them…

14 Z3trkrnr 02.01.08 at 9:49 pm

I love my ING Direct account. It doesn’t have the highest APY but you won’t get better customer service anywhere else. Also, their online interface is just easy and awesome.
I also do still have many referral links left if anyone would like to contact me to receive a link (either for an orange savings account or the electric orange checking/savings account) to sign up for an account. You receive $25 for signing up with a min. of $250 or more. A nice little bonus for nothing! Just shoot me an e-mail @ z3trkrnr@gmail.com and I’ll send the link right back to you!

15 susan 02.21.08 at 9:42 am

I love GE. Not insured, but rates are good. Coming down though. If they go too low, I think I’ll buy a house with a great low rate fixed mortgage.

16 JosephSBK 09.16.08 at 1:34 pm

ShoreBank, the bank that I represent, offers a High Yield Online Savings Account with a competitive 3.50% APY and $1 minimum balance. It has 24 online accessibility, allow for you to link up to six of your accounts for electronic transfer, and is FDIC insured. For more information about ShoreBank’s High Yield Online Savings Account please visit http://www.shorebankdirect.sbk.com

17 HGI 09.26.08 at 10:07 am

They talk about the most recent high-yield savings accounts and also gives an opinion on this site (it links to a post on a message board)… feedingweatlh.com

18 Chris 11.17.08 at 3:19 pm

I opened an online savings account with venturebankdirect.com. They are currently offering 3.8% APY with no minimum balance. The account set up was quick and easy. I started earning interest within 1 day. Unlike some other online accounts, they did not hold my funds for days before crediting my account.

19 Marcus 12.15.08 at 4:28 pm

Thanks for the tip Chris, I checked out Venture Bank Direct and have been happy so far. They are in the process of adding an online checking account to the mix. Current savings interest is at 3.6% APY.

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21 Business Training 08.14.12 at 5:25 am

GOOD I was using the bbt E-savings account at a 4.01 APY. was doing well til a few days ago, where other banks dropped .2, bbt dropped .4, then followed that up with another .4. It is now sitting at 3.2% with no warnings or documentation, and leaving me with a very bad taste in my mouth. I guess it is time to move on…

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