bank rates

Best National Savings Accounts for February 2019

Hand grabbing money out of a jar

After years of stagnation, we’re finally starting to see a rise in savings rates.

And this month there’s been some movement.

One bank has increased its rate and now takes the lead on our list of the best national savings accounts for February 2019 — Vio Bank.

It’s offering 2.41% APY with no minimum deposit requirement.

14 Banks Pay At Least 2.05% APY Or Better

In total, you’ll now find 14 banks all offering 2.05% APY or above on savings accounts. That’s quite a change from this time last year.

It wasn’t long ago that you would have been hard-pressed to find a savings account paying above just 1.00% APY.

Below you’ll find those savings account leaders and their requirements.

Savings Account Leaders

Bank APY Min Deposit Min Balance
Vio Bank 2.41% $0 $0
CIBC Bank USA 2.39% $1,000 $1
Popular Direct 2.36% $5,000 $500
PNC Bank 2.35% $100 $100
Pure Point Financial 2.35% $10,000 $10,000
Citizens Access  2.35% $5,000 $5,000
Salem Five Direct 2.30% $100 $0
SFGI Direct 2.27% $500 None
Live Oak Bank 2.25% $0 None
Marcus 2.25% $50 None
Synchrony Bank 2.25% $30 $30
IncredibleBank 2.20% $2,500 $25,000
Barclays 2.20% None None
Radius Bank 2.05% $100 $25,000

Finding The Best Savings Account Deals

The above deals are all nationally available, open to all savers regardless of where they live.

But you must remember that, unless your rate is guaranteed for a certain period of time, banks can raise or lower savings account rates anytime they wish.

You might be able to find a better deal by searching locally at credit unions or regional banks.

Can you find a higher return only available in your area? Search our database of the best money market and savings account rates offered by dozens of banks and thrifts near you.

This list of the best national savings accounts is updated monthly. 

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  1. timothy kostka said:
    on September 7th at 10:11 am

    UMB Bank for new members, Money Market 2.3 % APR. 10K min. Must visit local branch to open.Guaranteed 1 year