High-Yield Savings Accounts
With In-Person Access
Most FDIC-insured high-yield savings accounts are online-only to keep rates competitive, but if you prefer visiting a branch, you're in the right place.We've gathered savings accounts that offer:
- 🏦 Branch visits and face-to-face customer service
- ✅ Competitive savings rates as of August 15, 2025
- 📍 Note: Branch locations may be limited by region
Top Savings Accounts with In-Person Access
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TIP: Use the drop-down filters above to narrow the selection.
1. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Columbia, Missouri
| Feature | Details |
|---|---|
| APY: | 4.60% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.5/5 Google Play Rating: 4.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Not available in Delaware. |
| Deposit Insurance: | FDIC (Cert: 16247) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (APY: 4.60%)
Total savings breakdown:
- Interest earned: $1,817.2 (11.49%)
- Total contributions: $13,000 (82.19%)
- Initial deposit: $1,000 (6.32%)
Your total balance
$15,817.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
Branches: 10 locations in Maryland, Virginia and Washington D.C.
| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32363) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: B- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Prime Alliance Bank
Savings Account: Personal Savings
Top APY: 4.05%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Utah
| Feature | Details |
|---|---|
| APY: | 4.05% (8/15/2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 5.0/5 Google Play Rating: 3.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57920) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
| Branches: | One location in Utah |
Calculate Savings for Prime Alliance Bank
Personal Savings (APY: 4.05%)
Total savings breakdown:
- Interest earned: $1,588.7 (10.19%)
- Total contributions: $13,000 (83.39%)
- Initial deposit: $1,000 (6.41%)
Your total balance
$15,588.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. ConnectOne Bank
Savings Account: Connection Plus Savings
Top APY: 4.00%
Minimum Deposit: $2,500
Minimum Balance for APY: $2,500
Branches: Locations in New Jersey, New York and Florida
| Feature | Details |
|---|---|
| APY: | 4.00% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Tiered account, where minimum balance over $250,000 may earn you a slightly higher APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.6/5 Google Play Rating: 3.2/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57919) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | Locations in New Jersey, New York and Florida |
Calculate Savings for ConnectOne Bank
Connection Plus Savings (APY: 4.00%)
Total savings breakdown:
- Interest earned: $1,893 (10.88%)
- Total contributions: $13,000 (74.74%)
- Initial deposit: $2,500 (14.37%)
Your total balance
$17,393.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. PNC
Savings Account: PNC High Yield Savings
Top APY: 3.95%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: N/A
| Feature | Details |
|---|---|
| APY: | 3.95% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Eligibility restricted. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.5/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Deposit Insurance: | FDIC (Cert: 6384) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for PNC
PNC High Yield Savings (APY: 3.95%)
Total savings breakdown:
- Interest earned: $1,547.5 (9.95%)
- Total contributions: $13,000 (83.61%)
- Initial deposit: $1,000 (6.43%)
Your total balance
$15,547.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
6. Forbright Bank
Savings Account: Bright Savings
Top APY: 3.90%
Minimum Deposit: $250
Minimum Balance for APY: $250,000
Branches: Locations in the Washington D.C. area (Maryland and Virginia)
| Feature | Details |
|---|---|
| APY: | 3.00% - 3.90% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 3.00% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.6/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | This account must be opened in a Forbright branch (Washington, D.C. metro area) |
| Deposit Insurance: | FDIC (Cert: 57614) |
| Affiliation: | Forbright Bank was rebranded from Congressional Bank, Member FDIC, effective January 19, 2022 |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | Locations in the Washington D.C. area (Maryland and Virginia) |
Calculate Savings for Forbright Bank
Bright Savings (APY: 3.00% ⎼ 3.90%)
⚠️ The minimum balance for the higher APY on this account is $250,000.
Total savings breakdown:
- Interest earned: $1,161.1 (7.66%)
- Total contributions: $13,000 (85.75%)
- Initial deposit: $1,000 (6.60%)
Your total balance
$15,161.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
7. Forbright Bank
Savings Account: Sprout Savings
Top APY: 3.90%
Minimum Deposit: $1
Minimum Balance for APY: $0.01
Branches: Locations in the Washington D.C. area (Maryland and Virginia)
| Feature | Details |
|---|---|
| APY: | 0.80% - 3.90% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.6/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) |
| Deposit Insurance: | FDIC (Cert: 57614) |
| Affiliation: | Forbright Bank was rebranded from Congressional Bank, Member FDIC, effective January 19, 2022 |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | Locations in the Washington D.C. area (Maryland and Virginia) |
Calculate Savings for Forbright Bank
Sprout Savings (APY: 0.80% ⎼ 3.90%)
Total savings breakdown:
- Interest earned: $1,526.9 (9.83%)
- Total contributions: $13,000 (83.73%)
- Initial deposit: $1,000 (6.44%)
Your total balance
$15,526.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
8. High Plains Bank
Savings Account: High Yield Savings Account
Top APY: 3.82%
Minimum Deposit: $25
Minimum Balance for APY: $500,000
Branches: N/A
| Feature | Details |
|---|---|
| APY: | 0.23% - 3.82% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 3017) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated |
Calculate Savings for High Plains Bank
High Yield Savings Account (APY: 0.23% ⎼ 3.82%)
⚠️ The minimum balance for the higher APY on this account is $500,000.
Total savings breakdown:
- Interest earned: $85.9 (0.61%)
- Total contributions: $13,000 (92.29%)
- Initial deposit: $1,000 (7.10%)
Your total balance
$14,085.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
9. Capital One
Savings Account: 360 Performance Savings
Top APY: 3.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
| Feature | Details |
|---|---|
| APY: | 3.50% (8/15/2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.5/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 4297) |
| Affiliation: | Capital One Financial Corporation (NYSE: COF) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
Calculate Savings for Capital One
360 Performance Savings (APY: 3.50%)
Total savings breakdown:
- Interest earned: $1,363.3 (8.87%)
- Total contributions: $13,000 (84.62%)
- Initial deposit: $1,000 (6.51%)
Your total balance
$15,363.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
10. All America Bank
Savings Account: Super Savers MMDA
Top APY: 3.25%
Minimum Deposit: $2,500
Minimum Balance for APY: $100,000
Branches: Seven locations in Oklahoma City, Mustang, Snyder, Cache, Medicine Park, Elgin and Sentinel, OK, and a Loan Production Office in Lawton, OK
| Feature | Details |
|---|---|
| APY: | 1.50% - 3.25% (8/15/2025) |
| APY Trend: | ↘︎ -0.24% QoQ |
| Note: | There is a tiered system, where the APY depends on the average daily balance, from below $2,500 to over $100,000. The lowest rate is 1.50% APY, while the top rate is 3.25% APY. See bank for more details. |
| Maintenance Fee: | $5, if average daily balance for the month drops below $500 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.7/5 Google Play Rating: 3.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 20093) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated |
| Branches: | Seven locations in Oklahoma City, Mustang, Snyder, Cache, Medicine Park, Elgin and Sentinel, OK, and a Loan Production Office in Lawton, OK |
Calculate Savings for All America Bank
Super Savers MMDA (APY: 1.50% ⎼ 3.25%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $685.5 (4.24%)
- Total contributions: $13,000 (80.32%)
- Initial deposit: $2,500 (15.45%)
Your total balance
$16,185.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
11. FNBO Direct
Savings Account: High-Yield Online Savings Account
Top APY: 3.25%
Minimum Deposit: $1
Minimum Balance for APY: $0.01
Branches: None
| Feature | Details |
|---|---|
| APY: | 3.25% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.5/5 Google Play Rating: 4.6/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 5452) |
| Affiliation: | FNBO Direct is a division of FNBO (First National Bank of Omaha), which is a subsidiary of First National of Nebraska, Inc., an interstate bank holding company. |
| Better Business Bureau (BBB): | BBB Rating: Not Rated |
| Branches: | None |
Calculate Savings for FNBO Direct
High-Yield Online Savings Account (APY: 3.25%)
Total savings breakdown:
- Interest earned: $1,261.9 (8.27%)
- Total contributions: $13,000 (85.18%)
- Initial deposit: $1,000 (6.55%)
Your total balance
$15,261.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
12. Ameriprise Bank
Savings Account: Savings Account
Top APY: 3.15%
Minimum Deposit: $100
Minimum Balance for APY: $50,000
Branches: None
| Feature | Details |
|---|---|
| APY: | 3.15% - 3.15% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This is a tiered savings account where rates may vary based on the balance. The top APY of 3.15 requires a minimum balance of $50,000, if not a lower APY may be applied. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 58303) |
| Affiliation: | Ameriprise Bank is a subsidiary of Ameriprise Financial, Inc. |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited (Information provided is for Ameriprise Financial) |
| Branches: | None |
Calculate Savings for Ameriprise Bank
Savings Account (APY: 3.15% ⎼ 3.15%)
⚠️ The minimum balance for the higher APY on this account is $50,000.
Total savings breakdown:
- Interest earned: $1,221.5 (8.02%)
- Total contributions: $13,000 (85.41%)
- Initial deposit: $1,000 (6.57%)
Your total balance
$15,221.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
13. TD Bank
Savings Account: TD Signature Savings
Top APY: 3.00%
Minimum Deposit: $0
Minimum Balance for APY: $100,000
Branches: N/A
| Feature | Details |
|---|---|
| APY: | 0.05% - 3.00% (8/15/2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| Note: | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.00% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Maintenance Fee: | $10. Waived under some circumstances. |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.0/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 33947) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: C- |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 3.00%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $18.6 (0.13%)
- Total contributions: $13,000 (92.73%)
- Initial deposit: $1,000 (7.13%)
Your total balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
14. Wells Fargo
Savings Account: Platinum Savings
Top APY: 2.51%
Minimum Deposit: $25
Minimum Balance for APY: $1,000,000
Branches: Wells Fargo offers branches and ATMs in 36 states and Washington, D.C.
| Feature | Details |
|---|---|
| APY: | 0.05% - 2.51% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This is a tiered savings account where rates vary based on the balance. The 2.51% APY is available for balances of $1,000,000 or more, and 0.05% APY up to $99,999.99. These APYs require the account is linked to a Wells Fargo Premier checking account. See bank for more tiers and details. |
| Maintenance Fee: | $12. Waived with $3,500 minimum daily balance. |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.8/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 3511) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: F Not BBB Accredited |
| Branches: | Wells Fargo offers branches and ATMs in 36 states and Washington, D.C. |
Calculate Savings for Wells Fargo
Platinum Savings (APY: 0.05% ⎼ 2.51%)
⚠️ The minimum balance for the higher APY on this account is $1,000,000.
Total savings breakdown:
- Interest earned: $18.6 (0.13%)
- Total contributions: $13,000 (92.73%)
- Initial deposit: $1,000 (7.13%)
Your total balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
15. Amalgamated Bank
Savings Account: Online Savings
Top APY: 2.25%
Minimum Deposit: $100
Minimum Balance for APY: $0
Branches: N/A
| Feature | Details |
|---|---|
| APY: | 2.25% (8/15/2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | This promotional APY is available for the first 6 months (182 days) from account opening on the entire balance, and is subject to change after the 6 months (182 days) at the bank's discretion. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 622) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for Amalgamated Bank
Online Savings (APY: 2.25%)
Total savings breakdown:
- Interest earned: $862.5 (5.80%)
- Total contributions: $13,000 (87.47%)
- Initial deposit: $1,000 (6.73%)
Your total balance
$14,862.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.