Savings Accounts & MMA 利率排行榜【2018.10 更新】

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【2018.10 更新】随着美联储的加息,各银行的利率在持续上涨中,故更新了数据。现在小银行最高一档都到2.5%的利率了,大一些的银行则普遍落在了1.9%一档。如果我们遗漏了什么其他高利率的账户,请留言告知,谢谢!

不少人手上都会有个小几万美元的流动资金,需要找个地方存着赚利息… 于是我们就给出一个高利率 Savings Accounts & MMA (Money Market Account) 的利率排行榜吧。Savings Accounts 和 MMA 在实际使用上基本没有区别,财产都受 FDIC 保险保护 (up to $250,000 每人),故都列在一起了。

以下表格只包括满足以下条件的高利率银行账户:0月费;可直接网申;FDIC insured。

BankAPYHard Inquiry?RangeType
EBSB Direct2.50%?$5,000 - $1,000,000Savings
MySavingsDirect2.25%No$1+Savings
Memory Bank2.25%No$1+MMA
Northfield Bank2.25%Yes$1 - $100,000Savings
Utah First CU2.25%?$50+Savings
Community Wide2.25%?$500+Savings
Customers Bank2.25%No$25,000+Savings
iGoBanking2.25%?$25,000+MMA
Bank Purely2.25%No$25,000+MMA
PNC2.20%?$1+Savings
CIT Bank Savings2.15%No$100/monthSavings
PurePoint2.15%No$10,000+Savings
Citizens Access2.12%?$5,000+Savings
Vio Bank2.11%No$100+Savings
Investors Bank2.10%No$1 - $2,000,000MMA
CIBC2.10%?$1,000+Savings
Salem Five Direct2.05%Yes$1 - $1,000,000Savings
Bank5 Connect2.05%Yes$100+Savings
Bank72.05%?$100 - $1,000,000Savings
Incredible Bank2.02%Yes$25,000+Savings
HSBC Direct2.01%No$1+Savings
VirtualBank2.01%?$100+Savings
Sallie Mae2.00%No$1+MMA
Redneck Bank2.00%No$1 - $50,000MMA
All America Bank2.00%No$1 - $50,000MMA
Elements2.00%No$2,500MMA
Popular Direct2.00%No$5,000+Savings
Radius Bank1.96%Yes$25,000+Savings
Northpointe Bank1.95%No$25,000+Savings
SFGI Direct1.91%Yes$1+Savings
Ally Bank1.90%No$1+Savings
Barclays1.90%No$1+Savings
Marcus by Goldman Sachs1.90%No$1+Savings
American Express1.90%No$1+Savings
Synchrony Bank1.90%No$1+Savings
Alliant1.90%No$100+Savings
Colorado Federal1.90%?$50,000+Savings
Discover1.85%No$1+Savings
Sallie Mae1.85%No$1+Savings
FNBO Direct 1.85%?$1+Savings
CIT Bank MMA1.85%No$100+MMA
ableBanking1.85%No$250+MMA
Capital One 3601.85%No$10,000+MMA
BBVA1.80%No$1+MMA
Dollar Savings Direct1.80%?$1+Savings
Live Oak Bank1.80%?$1+Savings

最近这段时间各银行的利率变化比较频繁,相对排名也经常变化。个人认为,利率最高的这几家银行的利率只相差百分之零点一左右,没有必要为此付出一个 Hard Pull 的代价,也没必要去选择服务不好的小银行。综合来看,我个人比较推荐排名基本总是很靠前的、不需要 hard pull 的、资产规模尚可的几家:

注意法律规定 Savings Account 和 MMA 都只能每月免费往外取6次,次数再多就需要交手续费。注意网上申请银行账户通常都需要 US Person 的身份,身份不满足也不影响开户,但是希望大家心中清楚风险,自行权衡利弊,风险自负。


注:本文没有包含类似 NetSpend 的需要复杂操作才能获得高利率的银行账户。

参考资料:DoctorofCredit, HustlerMoneyBlog.


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