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 April 1, 2025
- 📍 Note: Branch locations may be limited by region
Top Savings Accounts with In-Person Access
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% (4/1/2025) |
| APY Trend: | Stable |
| 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 Google Play Rating: N/A |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Not available in Delaware. |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: B+ 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: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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 |
| FDIC-insured: | Yes |
| 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: $225 (4.31%)
- Total contributions: $0 (0.00%)
- Initial deposit: $5,000 (95.69%)
Your total balance
$5,225.00
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: 4.15%→
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Utah
| Feature | Details |
|---|---|
| APY: | 4.15% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 5/5 Google Play Rating: 3.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| 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: 4.15%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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: 3.5/5 Google Play Rating: 3.2/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| 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: $100 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $2,500 (96.15%)
Your total balance
$2,600.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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: | Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for PNC
PNC High Yield Savings (APY: 3.95%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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: 4.7/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | This account must be opened in a Forbright branch (Washington, D.C. metro area) |
| FDIC-insured: | Yes |
| 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: $8 (3.10%)
- Total contributions: $0 (0.00%)
- Initial deposit: $250 (96.90%)
Your total balance
$258.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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: 4.7/5 Google Play Rating: 4.4/5 |
| 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) |
| FDIC-insured: | Yes |
| 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: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
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% (4/1/2025) |
| APY Trend: | Stable |
| 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 |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
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: $0 (0.00%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (100.00%)
Your total balance
$100.00
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: 3.70%→
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: | 3.70% (4/1/2025) |
| APY Trend: | Stable |
| 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.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| 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: 3.70%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
10. TD Bank
Savings Account: TD Signature Savings
Top APY: 3.51%→
Minimum Deposit: $0
Minimum Balance for APY: $100,000
Branches: N/A
| Feature | Details |
|---|---|
| APY: | 0.05% - 3.51% (4/1/2025) |
| APY Trend: | Stable |
| Note: | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.51% 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: 4/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 3.51%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $0 (0.00%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (100.00%)
Your total balance
$100.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
11. All America Bank
Savings Account: Super Savers MMDA
Top APY: 3.49%→
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% - 3.49% (4/1/2025) |
| APY Trend: | Stable |
| 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 3.49% 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 |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
| 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% ⎼ 3.49%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Total savings breakdown:
- Interest earned: $37 (1.46%)
- Total contributions: $0 (0.00%)
- Initial deposit: $2,500 (98.54%)
Your total balance
$2,537.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
12. 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% (4/1/2025) |
| APY Trend: | Stable |
| 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: 4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for Amalgamated Bank
Online Savings (APY: 2.25%)
Total savings breakdown:
- Interest earned: $2 (1.96%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (98.04%)
Your total balance
$102.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.