It’s tough to find a 12-month certificate of deposit that pays more than 2.25% APY. But if you want financial flexibility and a higher rate than you can get even with a 24-month CD, check out the savings account from the Bank of Internet USA.
It’s strictly an online operation based in San Diego, but [...]

If you have a pile of cash looking for a lucrative home, you might consider opening a WT Direct savings account that gives you a cash bonus.

Deposit $50,000 in a new WT Direct savings account before July 31, 2009, leave it there until October 31 and WT Direct, the online banking division of Wilmington Trust [...]

You’ll earn a little more this month with the most lucrative high-yield savings account.
Bank of Internet USA jumped to the top of our rankings of nationally-available accounts by paying 2.50% APY on its Advantage Savings, with a $100 minimum deposit.
It surpassed Tennessee Commerce Bank, which continues to pay 2.30% APY with a $250 minimum deposit.
They’re [...]

It’s easy to shake your head in dismay when the most lucrative high-yield savings accounts are paying a paltry 2%.
But then you start counting up all the banks paying their most loyal customers less than 1% on their savings accounts.
Much less in many cases.
Interest rates as low as 0.10% to 0.25% are common, with Chase [...]

SmartyPig continues to be pay a very competitive rate on its unique type of savings account.
It’s true that the return has fallen from 4.30% APY in March 2008, to 3.25% APY last winter and 3.05% today.
But where else can you find a savings or money market account that’s still paying 3%? (That’s not a [...]

The online branch of Darby Bank & Trust in Vidalia, Ga., is paying more than twice the national average on its savings accounts.
The 3.00% APY is available nationwide, the online application is easy and the requirements are few.
You can open an account with anywhere from $1 to $10,000. Once the account is processed (usually [...]

Here’s a savings account that will out earn most certificates of deposit.
Beverly National Bank is offering 2.51% on savings accounts with a minimum balance of $5,000.
That’s one of the best interest rates you’ll find for a savings account. It’s nearly twice the national average for money market accounts and 12-month CDs, and is [...]

Almost no one is paying 2.80% on savings and money market accounts anymore.
But that’s what you’ll earn with CNBBankDirect.
It’s the online division of Citizens National Bank of Bluffton, which has seven branches in northeast Ohio, and earns four out of five stars in Bankrate’s “Safe & Sound” ratings system.
The 2.80% APY is available [...]

Here’s an alternative to short-term certificates of deposit that are averaging just over 1% these days.
Park your money in an Intervest National Bank savings account that’s paying 2.60% APY. (You’ll also find some pretty good CD rates if you check out this rate sheet.)
Intervest is primarily an online bank, with one walk-in branch [...]