(No-Fuss) High-Yield Savings Accounts
No or Low Minimums & Fees
Many FDIC-insured high-yield savings accounts offer high rates, but come with conditions attached. If you prefer simplicity, we've selected "no-fuss" accounts featuring:- ✅ No/Low minimum deposit or balance requirements (up to $500)
- ✅ No direct deposit requirements
- ✅ No checking account required
Top "No-Fuss" Savings Rates on April 1, 2025
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
| 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. Pibank
Savings Account: Pibank Savings
Top APY: 4.60%→
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.60% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 2.6/5 Google Play Rating: 1.6/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Pibank is a brand of Intercredit Bank, N.A. |
| Better Business Bureau (BBB): | BBB Rating: A Not BBB Accredited |
| Branches: | None |
Calculate Savings for Pibank
Pibank Savings (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.
3. Fitness Bank
Savings Account: Fitness Savings Account
Top APY: 4.55%→
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.55% (4/1/2025) |
| APY Trend: | Stable |
| Note: | This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: N/A |
Calculate Savings for Fitness Bank
Fitness Savings Account (APY: 4.55%)
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.
4. FVCbank
Savings Account: Advantage Direct Savings
Top APY: 4.55%→
Minimum Deposit: $500
Minimum Balance for APY: $500
| Feature | Details |
|---|---|
| APY: | 4.55% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.5/5 Google Play Rating: N/A |
| 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 FVCbank
Advantage Direct Savings (APY: 4.55%)
Total savings breakdown:
- Interest earned: $23 (4.40%)
- Total contributions: $0 (0.00%)
- Initial deposit: $500 (95.60%)
Your total balance
$523.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. Peak Bank
Savings Account: Envision High Yield Savings
Top APY: 4.54%→
Minimum Deposit: $100
Minimum Balance for APY: N/A
| Feature | Details |
|---|---|
| APY: | 4.54% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.7/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Peak Bank is a division of Idaho First Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | None |
Calculate Savings for Peak Bank
Envision High Yield Savings (APY: 4.54%)
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.
6. Newtek Bank
Savings Account: Personal High Yield Savings
Top APY: 4.45%→
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.45% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.5/5 Google Play Rating: 4.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | NewtekOne (NASDAQ: NEWT) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Newtek Bank
Personal High Yield Savings (APY: 4.45%)
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.
7. Bread Savings
Savings Account: High-Yield Savings Account
Top APY: 4.40%→
Minimum Deposit: $100
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.40% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.6/5 Google Play Rating: 4.1/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Bread Financial Holdings, Inc. (NYSE: BFH), until 2022 known as Alliance Data Systems Corporation. All deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank and a Bread Financial company. |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited (Comenity Capital Bank) |
| Branches: | None |
Calculate Savings for Bread Savings
High-Yield Savings Account (APY: 4.40%)
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. LendingClub
Savings Account: LevelUp Savings
Top APY: 4.40%↘︎
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 3.40% - 4.40% (4/1/2025) |
| APY Trend: | -0.10% WoW |
| Note: | The advertised "LevelUp Rate" APY of 4.40% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.40% applies. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.7/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited. |
| Branches: | None |
Calculate Savings for LendingClub
LevelUp Savings (APY: 3.40% ⎼ 4.40%)
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.
9. My Banking Direct
Savings Account: High Yield Savings Account
Top APY: 4.40%→
Minimum Deposit: $500
Minimum Balance for APY: $1
| Feature | Details |
|---|---|
| APY: | 4.40% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.2/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | My Banking Direct is a service of Flagstar Bank N.A. (subsidiary of Flagstar Financial, Inc., formerly New York Community Bancorp, Inc., dating back to 1859) |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited. |
| Branches: | None. You cannot make use of Flagstar Bank's branches. |
Calculate Savings for My Banking Direct
High Yield Savings Account (APY: 4.40%)
Total savings breakdown:
- Interest earned: $22 (4.21%)
- Total contributions: $0 (0.00%)
- Initial deposit: $500 (95.79%)
Your total balance
$522.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
10. Openbank
Savings Account: High-Yield Savings Account
Top APY: 4.40%→
Minimum Deposit: $500
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.40% (4/1/2025) |
| APY Trend: | Stable |
| Note: | Eligibility restricted. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 3.2/5 Google Play Rating: 2.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | Not available for those who have open deposit accounts with Santander Bank, nor in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island. |
| FDIC-insured: | Yes |
| Affiliation: | Openbank is a division of Santander Bank, N.A. |
| Better Business Bureau (BBB): | BBB Rating: Not rated Not BBB Accredited |
| Branches: | None |
Calculate Savings for Openbank
High-Yield Savings Account (APY: 4.40%)
Total savings breakdown:
- Interest earned: $22 (4.21%)
- Total contributions: $0 (0.00%)
- Initial deposit: $500 (95.79%)
Your total balance
$522.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
11. Bask Bank
Savings Account: Interest Savings Account
Top APY: 4.35%→
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.35% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.5/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Bask Bank is a division of Texas Capital Bank |
| Better Business Bureau (BBB): | BBB Rating: B Not BBB Accredited |
| Branches: | None |
Calculate Savings for Bask Bank
Interest Savings Account (APY: 4.35%)
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.
12. Primis Bank
Savings Account: Primis Savings Account
Top APY: 4.35%→
Minimum Deposit: $1
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.35% (4/1/2025) |
| APY Trend: | Stable |
| Note: | Primis deposit accounts are not available in Puerto Rico or other US territories. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 3.8/5 Google Play Rating: 3.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Primis Financial Corp. (Nasdaq: FRST) is the holding company for Primis Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | Locations in Virginia |
Calculate Savings for Primis Bank
Primis Savings Account (APY: 4.35%)
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.
13. Zynlo Bank
Savings Account: Tomorrow Savings Account
Top APY: 4.35%→
Minimum Deposit: $10
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.35% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4/5 Google Play Rating: 3.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | ZYNLO® is a registered trademark of PeoplesBank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Zynlo Bank
Tomorrow Savings Account (APY: 4.35%)
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.
14. EverBank
Savings Account: Performance Savings
Top APY: 4.30%→
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.30% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 2.4/5 Google Play Rating: 2.6/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Formerly known as TIAA Bank (sale completed 1 Aug, 2023) |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | 11 locations in Florida and California |
Calculate Savings for EverBank
Performance Savings (APY: 4.30%)
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.
15. Evergreen Bank Group
Savings Account: High-Yield Online Savings
Top APY: 4.25%→
Minimum Deposit: $100
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.25% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.6/5 Google Play Rating: 4.3/5 |
| 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: | 3 locations in Illinois |
Calculate Savings for Evergreen Bank Group
High-Yield Online Savings (APY: 4.25%)
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.
16. Forbright Bank
Savings Account: Growth Savings
Top APY: 4.25%→
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.25% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| 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
Growth Savings (APY: 4.25%)
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.
17. Valley Direct
Savings Account: High-Yield Savings Account
Top APY: 4.25%→
Minimum Deposit: $1
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.25% (4/1/2025) |
| APY Trend: | Stable |
| Note: | Promo. Eligibility restricted. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. |
| FDIC-insured: | Yes |
| Affiliation: | Valley National Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited. |
| Branches: | After opening online, your accounts can be serviced at one of the Valley branch locations in NJ, NY, FL and AL. |
Calculate Savings for Valley Direct
High-Yield Savings Account (APY: 4.25%)
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.
18. Western Alliance Bank
Savings Account: High-Yield Savings Premier
Top APY: 4.25%→
Minimum Deposit: $500
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.25% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.4/5 Google Play Rating: 2.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation (NYSE:WAL) |
| Better Business Bureau (BBB): | BBB Rating: N/A |
| Branches: | 2 locations in Arizona and Ohio |
Calculate Savings for Western Alliance Bank
High-Yield Savings Premier (APY: 4.25%)
Total savings breakdown:
- Interest earned: $21 (4.03%)
- Total contributions: $0 (0.00%)
- Initial deposit: $500 (95.97%)
Your total balance
$521.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
19. Colorado Federal Savings Bank
Savings Account: High Yield Savings
Top APY: 4.20%→
Minimum Deposit: $1
Minimum Balance for APY: $1
| Feature | Details |
|---|---|
| APY: | 4.20% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.6/5 Google Play Rating: N/A |
| 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: | None |
Calculate Savings for Colorado Federal Savings Bank
High Yield Savings (APY: 4.20%)
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.
20. Jenius Bank
Savings Account: Jenius Savings
Top APY: 4.20%→
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.20% (4/1/2025) |
| APY Trend: | Stable |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.4/5 Google Play Rating: 3.9/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| FDIC-insured: | Yes |
| Affiliation: | Jenus Bank is the digital banking division of SMBC MANUBANK and a member of the Sumitomo Mitsui Banking Corporation, Inc., initialed SMBC Group (NYSE: SMFG). |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | None |
Calculate Savings for Jenius Bank
Jenius Savings (APY: 4.20%)
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.