High-Yield Savings Accounts
With In-Person Access
By Aviel Fahl|Last Updated: November 16, 2025
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 November 16, 2025
- 📍 Note: Branch locations may be limited by region
Top Savings Accounts with In-Person Access
We earn a commission if you open an account through some links on this page.
TIP: Use the drop-down filters above to narrow the selection.
1. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Columbia, Missouri
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Note: | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.3/5 Google Play Rating: 4.4/5 |
| 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+ BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (APY: 4.50%)
Total savings breakdown:
- Interest earned: $1,775.4 (11.25%)
- Total contributions: $13,000 (82.41%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,775.40
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: 4.25%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
Branches: 10 locations in Maryland, Virginia and Washington D.C.
| Feature | Details |
|---|---|
| APY: | 3.75% - 4.25% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% MoM |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.1/5 |
| 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: A- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 3.75% ⎼ 4.25%)
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. MutualOne Bank
Savings Account: Mo Premium Savings
Top APY: 4.07%
Minimum Deposit: $20,000
Minimum Balance for APY: $20,000
Branches: Full-service banking offices in Framingham, MA, and Natick, MA
| Feature | Details |
|---|---|
| APY: | 4.07% (rate verified Nov 16, 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: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26395) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | Full-service banking offices in Framingham, MA, and Natick, MA |
Calculate Savings for MutualOne Bank
Mo Premium Savings (APY: 4.07%)
Total savings breakdown:
- Interest earned: $5,791.2 (14.93%)
- Total contributions: $13,000 (33.51%)
- Initial deposit: $20,000 (51.56%)
Your total balance
$38,791.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. Prime Alliance Bank
Savings Account: Personal Savings
Top APY: 3.90%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Utah
| Feature | Details |
|---|---|
| APY: | 3.90% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.15% 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: 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.
5. High Plains Bank
Savings Account: High Yield Savings Account
Top APY: 3.82%
Minimum Deposit: $25
Minimum Balance for APY: $500,000
Branches: 5 locations in Colorado
| Feature | Details |
|---|---|
| APY: | 0.23% - 3.82% (rate verified Nov 16, 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 Not BBB Accredited |
| Branches: | 5 locations in Colorado |
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.
6. Forbright Bank
Savings Account: Bright Savings
Top APY: 3.65%
Minimum Deposit: $250
Minimum Balance for APY: $250,000
Branches: Locations in the Washington D.C. area (Maryland and Virginia)
| Feature | Details |
|---|---|
| APY: | 2.75% - 3.65% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| 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 2.75% 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: 2.75% ⎼ 3.65%)
⚠️ The minimum balance for the higher APY on this account is $250,000.
Total savings breakdown:
- Interest earned: $1,060.9 (7.04%)
- Total contributions: $13,000 (86.32%)
- Initial deposit: $1,000 (6.64%)
Your total balance
$15,060.90
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: 3.65%
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% - 3.65% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% QoQ |
| 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% ⎼ 3.65%)
Total savings breakdown:
- Interest earned: $1,424.5 (9.24%)
- Total contributions: $13,000 (84.28%)
- Initial deposit: $1,000 (6.48%)
Your total balance
$15,424.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
8. ConnectOne Bank
Savings Account: Connection Plus Savings
Top APY: 3.60%
Minimum Deposit: $2,500
Minimum Balance for APY: $250,000
Branches: Locations in New Jersey, New York and Florida
| Feature | Details |
|---|---|
| APY: | 3.60% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.25% MoM/-0.40% QoQ |
| 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: 4.5/5 Google Play Rating: 3.6/5 |
| 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: 3.60%)
⚠️ The minimum balance for APY on this account is $250,000.
Total savings breakdown:
- Interest earned: $1,694.2 (9.85%)
- Total contributions: $13,000 (75.61%)
- Initial deposit: $2,500 (14.54%)
Your total balance
$17,194.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
9. PNC
Savings Account: PNC High Yield Savings
Top APY: 3.53%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
| Feature | Details |
|---|---|
| APY: | 3.53% (rate verified Nov 16, 2025) |
| APY Trend: | ↘︎ -0.17% WoW/-0.32% MoM/-0.42% QoQ |
| Note: | Eligibility restricted to select states. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.6/5 |
| 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+ Not BBB Accredited |
| Branches: | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
Calculate Savings for PNC
PNC High Yield Savings (APY: 3.53%)
Total savings breakdown:
- Interest earned: $1,375.5 (8.95%)
- Total contributions: $13,000 (84.55%)
- Initial deposit: $1,000 (6.50%)
Your total balance
$15,375.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
10. Capital One
Savings Account: 360 Performance Savings
Top APY: 3.40%
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: | 3.40% (rate verified Nov 16, 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: 3.40%)
Total savings breakdown:
- Interest earned: $1,322.7 (8.63%)
- Total contributions: $13,000 (84.84%)
- Initial deposit: $1,000 (6.53%)
Your total balance
$15,322.70
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: 3.25%
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% (rate verified Nov 16, 2025) |
| APY Trend: | → Stable for the last quarter |
| 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: A+ Not BBB Accredited |
| 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.
12. Northeast Bank
Savings Account: Propel Preferred Savings
Top APY: 3.00%
Minimum Deposit: $50
Minimum Balance for APY: $0.01
Branches: 7 locations in Maine (Western, Central and Southern)
| Feature | Details |
|---|---|
| APY: | 3.00% (rate verified Nov 16, 2025) |
| APY Trend: | N/A |
| Note: | The 3.00% APY requires an active Propel Premier Checking account, or a much lower APY applies. See bank for details. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.3/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Available to Maine residents only. |
| Deposit Insurance: | FDIC (Cert: 19690) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | 7 locations in Maine (Western, Central and Southern) |
Calculate Savings for Northeast Bank
Propel Preferred Savings (APY: 3.00%)
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.
13. Northeast Bank
Savings Account: High-Yield Savings
Top APY: 3.00%
Minimum Deposit: $2,500
Minimum Balance for APY: $250,000
Branches: 7 locations in Maine (Western, Central and Southern)
| Feature | Details |
|---|---|
| APY: | 2.50% - 3.00% (rate verified Nov 16, 2025) |
| APY Trend: | N/A |
| Note: | This is a tiered savings account where the 3% APY may be earned on a balance above $250,000, while balances below that receive an APY of 2.5%. |
| 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.: | N/A |
| Eligibility: | Available to Maine and New Hampshire residents only. |
| Deposit Insurance: | FDIC (Cert: 19690) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | 7 locations in Maine (Western, Central and Southern) |
Calculate Savings for Northeast Bank
High-Yield Savings (APY: 2.50% ⎼ 3.00%)
⚠️ The minimum balance for the higher APY on this account is $250,000.
Total savings breakdown:
- Interest earned: $1,158.5 (6.95%)
- Total contributions: $13,000 (78.04%)
- Initial deposit: $2,500 (15.01%)
Your total balance
$16,658.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
14. TD Bank
Savings Account: TD Signature Savings
Top APY: 2.75%
Minimum Deposit: $0
Minimum Balance for APY: $100,000
Branches: Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
| Feature | Details |
|---|---|
| APY: | 0.05% - 2.75% (rate verified Nov 16, 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. 2.75% 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: Not Rated Not BBB Accredited |
| Branches: | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
Calculate Savings for TD Bank
TD Signature Savings (APY: 0.05% ⎼ 2.75%)
⚠️ 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.