Best Banks and Credit Unions February 2025 (original) (raw)

Choosing the right bank is more than just a matter of convenience. When selecting any financial product, the goal should be to get the most out of your money, whether that’s earning a high rate on savings or having easy access to in-network ATMs.

To determine the best banks and credit unions in the U.S., we at the MarketWatch Guides team considered factors including the types and number of accounts offered, interest rates, fees and customer service ratings.

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The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.

Featured Savings Accounts

FEATURED

Lending Club

4.3

APY 3.50%

Bonus N/A

Min. Deposit Amount $0

Earn up to 4.75% APY with $250+ deposits per month

SoFi Checking + Savings

4.8

APY 3.80%

Bonus Up to $300

Min. Deposit Amount $0

SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either 50(withatleast50 (with at least 50(withatleast1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR 300(withatleast300 (with at least 300(withatleast5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1.

UFB Portfolio Savings

4.6

APY 4.01%

Bonus N/A

Min. Deposit Amount $0

Unlock up to 4.21% APY, Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%

Discover

4.6

APY 3.75%

Bonus N/A

Min. Deposit Amount $0

Best Banks and Credit Unions

Our team tracks more than 100 of the country’s largest and most prominent banks and credit unions to help readers find the best options for their banking needs. Most of our top picks are online financial institutions because their tendencies to offer high rates, no fees, large ATM networks and other perks help them earn high ratings in our review categories.

Read our full methodology to learn about our research and selection processes.

Discover Bank: Best for Checking

• Our Star Rating: 4.5
• Accounts: Checking, savings, CDs, money market

Why We Picked Discover Bank

Discover Bank makes it onto our lists of the best checking accounts, best online checking accounts and best free checking accounts. The online bank stands out for its consumer-friendly policies, including not having overdraft fees, monthly account fees or minimum opening deposit requirements for its checking or savings accounts. You also won’t pay fees for paper checks or expedited delivery of a replacement debit card. Discover’s online checking account also provides access to more than 60,000 fee-free ATMs.

Plus, unlike many checking accounts, this one earns debit card rewards. You can earn 1% cash back on up to 3,000inspendingeachmonth—that’supto3,000 in spending each month — that’s up to 3,000inspendingeachmonth—that’supto30 cash back per month. You might also be able to get paid up to two days early when you set up direct deposit for your Discover checking account.

Pros

No fees or minimums: There are no monthly fees, overdraft fees or minimum deposit requirements.

Debit card rewards: Earn 1% cash back on your debit card on up to $3,000 in spending per month.

Early payday: You could get paid up to two days early when you set up direct deposit for your Discover checking account.

Cons

Online-only bank: There are no physical locations to do your banking since Discover is an online-only bank.

Out-of-network ATM fees: While Discover doesn’t charge out-of-network ATM fees, operators outside the Allpoint and MoneyPass networks might.

>> Read our Discover Bank review.

SoFi Bank: Best for Savings

• Our Star Rating: 4.5
• Accounts: Checking, savings

Why We Picked SoFi Bank

We namedSoFi’s online savings account one of the best high-yield savings accounts. It’s a combined checking-and-savings account, and it earns up to 3.80% annual percentage yield (APY) on savings balances. However, the bank requires account holders to set up direct deposit to qualify for its top savings rate. Otherwise, savings balances earn 1.20% APY. Checking balances earn 0.50% APY.

The SoFi savings account comes with no monthly fees, no minimum balance requirements and no minimum direct deposit requirements for earning interest. Its Roundups feature allows customers to automatically round their debit card purchases up to the next dollar and deposit that extra change in their savings accounts.

SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..

Pros

High APY potential: This account earns 0.50% on checking and up to 3.80% APY on savings.

No fees or minimums: There are no monthly fees, minimum balance requirements or minimum direct deposit requirements.

Automated savings: Account holders can automatically save money by rounding debit purchases up to the nearest dollar.

Unlimited transactions: SoFi allows unlimited transfers and withdrawals from savings accounts.

Cons

No standalone savings account: Customers must have both a SoFi checking account and a SoFi savings account.

APY terms: Direct deposit or other qualifying deposits are required to earn the top savings APY rather than the much lower savings rate.

Online-only bank: As an online bank, SoFi doesn’t offer an option to bank in person.

>> Read our SoFi Bank review.

Ally Bank: Best for CDs

• Our Star Rating: 4.5
• Accounts: Checking, savings, CDs, money market

Why We Picked Ally Bank

Ally Bank shines for its product range and not charging fees. The bank also offers competitive interest rates — including some of the best CD rates available. Ally CDs stand out for their earning potential, with most earning well over the national average CD rates. It offers high-yield CDs, no-penalty CDs and bump-up CDs, all with no minimum deposit requirements.

Additionally, the online bank offers a 10-day best-rate guarantee that automatically gives you its best rate for your CD term if it offers a higher rate within 10 days of you opening an account. Ally also offers a 0.05% rate increase when you renew your CD.

*APYs accurate as of November 13, 2024

Pros

No minimums: There’s no minimum deposit for any of Ally’s three types of CDs.

10-day rate guarantee: You’ll get the best rate Ally offers for your CD term and balance tier within 10 days after opening your account.

Daily compounding: Interest on all CDs is compounded daily, which helps your money grow faster.

Customer service: Ally Bank has online chat, 24/7 phone support for banking customers and secure email messaging.

Cons

Online only: There’s no option to bank in person, so you’ll need to manage your CD account online or via the mobile app.

Possible penalties: While the no-penalty CD doesn’t have an early withdrawal penalty, fees apply if you remove principal from a high-yield CD or a bump-up CD before it matures.

>> Read our Ally Bank review.

EverBank: Best for ATM access

• Our Star Rating: 4.4
• Accounts: Checking, savings, CDs, money market

Why We Picked EverBank

EverBank offers access to nearly 100,000 fee-free ATMs, including those in the Allpoint and MoneyPass networks. It also doesn’t charge ATM fees, and it reimburses ATM fees that out-of-network operators charge.

EverBank’s checking and money market account holders with minimum average daily balances of 5,000getunlimitedreimbursements.Accountholderswithbalancesbelow5,000 get unlimited reimbursements. Account holders with balances below 5,000getunlimitedreimbursements.Accountholderswithbalancesbelow5,000 get up to $15 in ATM fee reimbursements per month.

Pros

Large ATM network: EverBank offers access to more than 100,000 fee-free ATMs.

ATM fee reimbursement: EverBank reimburses up to 15inATMfeespermonthforcustomerswithcheckingormoneymarketbalancesunder15 in ATM fees per month for customers with checking or money market balances under 15inATMfeespermonthforcustomerswithcheckingormoneymarketbalancesunder5,000 and unlimited ATM fees for those with account balances of $5,000 or more.

Cash deposits: Account holders can make cash deposits at eligible ATMs, including out-of-network ATMs.

Cons

Few branch locations: EverBank operates mostly online, with just a few physical branches in Florida.

Shorter customer service hours: EverBank doesn’t offer phone service for personal banking customers 24/7 or on Sunday.

>> Read our EverBank review.

Capital One: Best for a Mobile App

• Our Star Rating: 4.2
• Accounts: Checking, savings, CDs

Why We Picked Capital One

Capital One’s mobile app consistently receives high marks from J.D. Power. It took the No. 2 spot in the J.D. Power 2023 U.S. Banking Mobile App Satisfaction Study and rose to No. 1 in 2024.

The mobile app is also highly rated by consumers. It has an average of 4.5 out of 5 stars in the Google Play store, based on over 1.5 million ratings, and an average of 4.8 out of 5 stars in the Apple App Store, based on over 8.1 million ratings. Positive reviews for both apps say the app is user friendly and has the account features they’re looking for.

Pros

Highly rated by consumers: Capital One’s app generally gets good reviews from both Android and Apple users, with many customers saying the app is intuitive and easy to use.

J.D. Power ranking: The mobile app ranks highly in J.D. Power’s mobile app and online banking satisfaction studies.

No fees or minimums: There are no fees or minimum balance requirements for savings accounts, checking accounts or CD accounts.

Cons

Some app issues: Some Android app reviewers say the app frequently glitches or crashes, especially after updates.

Few branches: Capital One has fewer in-person branches than other banks with comparable assets, with only about 260 branches in nine states.

Few types of accounts: Capital One doesn’t offer a money market account, mortgages or personal loans.

>> Read our Capital One review.

Our editorial team reached out to Capital One for a comment on its reported mobile app issues and received the following response from Emily Roberts, SVP, Head of Enterprise Consumer Product at Capital One:

“At Capital One, we’re always looking out for our customers and helping them improve their financial lives. Our award-winning mobile app can help customers save time while staying informed with access to account information, card lock features, and instant purchase notifications, so customers can easily manage their finances. This includes savings and spend management features like the ability to automatically and regularly save set amounts of money and to freely transfer funds between Savings and Checking accounts. We also remain committed to continuing to innovate and enhance our mobile app to deliver a better customer experience — so we can help customers manage their finances with more confidence, control, and peace of mind.”

Alliant Credit Union: Best for a Credit Union

• Our Star Rating: 4.3
• Accounts: Checking, savings, CDs

Why We Picked Alliant Credit Union

Alliant Credit Union — which is only online — offers several savings accounts, checking accounts and share certificates, all of which offer high interest rates that beat national averages. Its deposit accounts also have no overdraft fees, minimum-balance fees or monthly service fees (if you choose to receive e-statements).

Alliant’s checking accounts also provide access to over 80,000 free ATMs and reimburses up to $20 per month in fees that operators of out-of-network ATMs might charge.

Aside from deposit accounts, Alliant has mortgages, personal loans and auto loans. You’ll have to become a member to bank with Alliant, but joining is as simple as joining the credit union’s foundation, which it pays the $5 charge for.

*APYs accurate as of November 13, 2024

Pros

High rates: All of Alliant’s deposit accounts have highly competitive rates that are above national averages.

Few fees: Alliant doesn’t have monthly service fees (if you receive e-statements), overdraft fees or minimum-balance fees.

ATM perks: Alliant offers access to over 80,000 ATMs without fees and reimburses up to $20 in ATM fees each month.

Easy to join: Credit union membership is often restricted to where you live or work, but anyone can join Alliant Credit Union.

Cons

Online only: Alliant doesn’t have branch locations for in-person banking.

Membership required: Membership in the credit union is required to open an account.

Minimum deposit for CDs: To open a CD, you’ll need to deposit at least $1,000.

>> Read our Alliant Credit Union review.

Texas Capital Bank: Best for a Regional Bank

• Our Star Rating: 4.3
• Accounts: Checking, savings, CDs, money market

Why We Picked Texas Capital Bank

Texas residents will like Texas Capital Bank’s competitive rates on some of its savings, checking and CD accounts. Its high-yield savings account pays 5.10% APY on balances below $1 million, and unlike many banks, Texas Capital has an interest-bearing checking account.

Texas Capital doesn’t charge monthly service fees on its savings, money market and Star Plus Checking accounts. It also gives customers access to more than 55,000 fee-free Allpoint ATMs and 24/7 live phone support — a service that’s not often found with many financial institutions.

*APYs accurate as of November 13, 2024

Pros

High rates: Most of Texas Capital’s deposit accounts have rates higher than national averages.

Few monthly fees: There are no monthly service fees on savings, money market and Star Plus Checking accounts.

Regional branch access: Texas Capital Bank has 10 locations across major metropolitan areas in Texas.

ATM access: Texas Capital Bank offers access to more than 55,000 ATMs without fees across the U.S.

Cons

Possible monthly fee: Getting the Star checking account’s monthly fee waived requires having a minimum average balance of $1,500.

Some service fees: The bank charges 15forpaidoverdrafts,upto15 for paid overdrafts, up to 15forpaidoverdrafts,upto35 for stop-payment orders and $30 for rushed debit card replacement.

Some account limitations: The high-yield savings account is only available to Texas residents.

Quontic Bank: Best for a Money Market Account

• Our Star Rating: 4.3
• Accounts: Checking, savings, CDs, money market

Why We Picked Quontic Bank

Online-only Quontic Bank offers a variety of personal-banking products with great rates, and it doesn’t charge monthly fees or overdraft fees. Notably, the bank’s money market account pays 4.75% APY.

Money market account holders get free debit cards and the ability to write checks, making the account ideal for those who want to earn interest but also get checking perks. The account has a low minimum opening deposit of $100 and offers access to over 90,000 ATMs without fees.

*APYs accurate as of November 13, 2024

Pros

High rate: Quontic’s money market account offers one of the best money market rates available.

Checking perks: The money market account offers a debit card and check-writing capabilities.

No fees: There are no overdraft fees or monthly fees.

ATM access: Quontic account holders have access to over 90,000 free ATMs across the U.S.

Cons

Online only: As a digital bank, Quontic doesn’t have in-person service options.

Limited customer service hours: The bank only offers phone support on weekdays during typical business hours.

>> Read our Quontic Bank review.

Citibank: Best for a Large Bank

• Our Star Rating: 4.2
• Accounts: Checking, savings, CDs

Why We Picked Citibank

Given its many financial products — including deposit accounts, credit cards, loans and investing options — Citibank can be a great option for many people seeking a full-service bank. It has over 650 branches and more than 65,000 free ATMs in the U.S.

Citi offers two checking accounts, an array of CD options and two savings accounts, some of which have high interest rates. The bank’s best savings account rate is on its Accelerate Savings account, but this option isn’t available in every state. However, some Citi CDs also offer highly competitive rates.

Citi also has a highly rated mobile app, which earns an average of 4.9 out of 5 stars in the Apple App Store, based on over 3.9 million ratings, and 4.7 out of 5 stars in the Google Play store, based on over 1.1 million ratings.

*APYs accurate as of November 13, 2024. The Citi Accelerate Savings rate is for Raleigh, N.C.’s, 27605 ZIP code. All other Citi rates are for New York’s 10001 ZIP code. Rates may vary by location.
**Fee waived for three months after account opening or with a relationship tier or required account activity

Pros

High rates for select accounts: Citi offers one high-yield savings account and several fixed-rate CDs with competitive rates.

No overdraft fees: Citi doesn’t charge overdraft or returned-item fees.

Highly rated mobile app: Citi’s mobile app consistently earns good ratings in both the Apple and Google Play app stores.

Cons

Limited branch access: Although it has hundreds of physical locations, it doesn’t have as many branches as banks such as Chase or Bank of America, both of which have thousands of branches.

Monthly fees: Citi’s checking and savings accounts have monthly fees, though they can be waived if certain requirements are met each month.

Limited account availability: Citi’s high-yield Accelerate Savings account isn’t available in all states.

>> Read our Citibank review.

Chase Bank: Best for Branch Access

• Our Star Rating: 4
• Accounts: Checking, savings, CDs

Why We Picked Chase Bank

If you need to handle your banking in person, chances are, there’s a Chase branch you can access. Chase is not only the largest bank in the U.S. by assets but also the largest when it comes to brick-and-mortar locations, with more than 4,700 branches across 48 states. It also offers access to more than 15,000 ATMs without fees.

As would be expected of a bank of its size, Chase also offers robust online and mobile banking services, including mobile check deposit, Zelle and credit score monitoring. The bank can be a great option for all of a person’s banking needs since it offers many financial services, including checking accounts, savings accounts, CD accounts, credit cards, home loans, auto loans and investment products.

Pros

Thousands of branches: Chase has more than 4,700 branches — more branches than any other bank in the U.S.

State availability: The bank has branches in 48 states.

ATM access: Chase has more than 15,000 ATMs, which make it easy to get cash or do other basic banking transactions.

Cons

Low savings rates: Chase’s interest rates for savings accounts and CDs are far below what many competitors offer.

No branches in two states: There are no Chase branches in Alaska or Hawaii, though Chase does have an ATM outside Honolulu.

>> Read our Chase Bank review.

Types of Financial Institutions and Accounts

There are several types of financial institutions, and each typically offers many types of products and services.

Types of Financial Institutions

When it comes to personal banking, there are generally three types of financial institutions:

Traditional Banks

Traditional banks include small regional banks and larger national banks. They have physical branch locations and typically offer a wide array of banking services beyond deposit accounts, such as credit cards, loans, investments and insurance.

Most banks’ deposit accounts are insured by the Federal Deposit Insurance Corp. (FDIC) for up to $250,000 per depositor, per bank and per account ownership category.

Online Banks

Online banks don’t have physical branch locations, so account management is done online, through a mobile app or by phone. These banks may offer a similar selection of banking services and accounts, or they may only offer a few types of accounts. Deposit accounts are insured by the FDIC up to legal limits.

Since they don’t operate physical branches, they have lower overhead costs than traditional banks, and they generally pass the savings along to customers in the form of higher rates and lower fees.

Credit Unions

Credit unions are member-owned nonprofits. They’re similar to banks, but since they’re nonprofits, they typically have lower fees and better rates than traditional banks. They may have a regional or nationwide presence, and they may operate physical branches, share branches with other credit unions or be completely online.

Instead of having FDIC insurance, most credit unions’ deposit accounts are covered by the National Credit Union Administration (NCUA) for up to $250,000 per share owner, per insured credit union and per account ownership category.

Types of Accounts

Most banks and credit unions offer at least one of the following accounts:

Checking Account

These are typically used for everyday transactions, such as paying bills or making deposits and withdrawals. Many checking accounts come with debit cards, paper checks and access to mobile banking. It’s not common for checking accounts to pay interest.

Savings Account

These types of accounts are generally intended to store funds, and they typically earn variable interest over time. They generally aren’t meant for frequent use since some savings accounts limit the number of withdrawals allowed per month.

Money Market Account

Money market accounts earn interest and typically offer some checking account features, such as debit cards, ATM access and check writing. Interest is earned at variable rates.

CD Account

With CDs, you’ll need to keep your money in the account for a fixed amount of time. If you withdraw principal before the maturity date, you’ll typically pay an early withdrawal penalty. CDs commonly offer higher interest rates than other types of deposit accounts, and they can play a role in a long-term savings strategy.

Loans

Banks and credit unions may offer credit cards, personal loans, auto loans, mortgages and student loan refinancing. These types of loans charge interest, which will vary depending on the institution, the type of loan, market economic factors and the applicant’s overall credit profile.

Investment Services

Larger financial institutions may offer retirement savings accounts, investment accounts and financial advisory services. These tend to be in separate divisions from personal banking services.

How To Choose a Bank or Credit Union

Finding a bank or credit union with the right offerings for you can help you meet both your immediate personal finance needs and your long-term goals.

When evaluating the options, consider these factors when deciding what’s best for you:

Account Fees

Even if there isn’t a monthly maintenance fee, consider any other charges that could chip away at your money. For example, financial institutions may charge out-of-network ATM fees, overdraft fees, nonsufficient funds (NSF) fees or other types of transaction fees.

Interest Rates

The interest earned on your savings can be a key component for helping your money grow. Make sure any account you’re considering is earning interest at a competitive rate. Many financial institutions offer rates well above national average savings rates, so compare options before deciding on an account.

Accessibility and Convenience

Choose a financial institution that aligns with your banking preferences. For example, you may want to consider factors such as branch locations, ATM access, mobile app functionality and customer service hours.

Customer Reviews

Research what others are saying about their experiences with a particular financial institution. Gauge general sentiments about users’ overall experiences to spot any potential red flags.

The Bottom Line: Choosing the Best Bank

The best banks and credit unions offer a range of perks. When evaluating which bank or credit union is right for you, consider factors including fees, rates, customer service, ATM accessibility, convenience and customer service. By exploring the strengths and drawbacks across a variety of top banks, you can narrow the options down to the best bank for your needs.

Read more about our picks for the best banks and credit unions:

• Best Online Banks
• Best Checking Accounts
• Best Free Checking Accounts
• Best Savings Accounts
• Best High-Yield Savings Accounts
• Best CD Rates
• Best Money Market Account Rates

FAQ: Best Banks and Credit Unions

The best bank to use will depend on features that matter the most to you, such as interest rates, account fees and convenience. Everyone’s banking needs are different and based on a variety of factors, so there’s no one “best” bank that would apply to all consumers.

The No. 1 bank in America based on asset size is Chase Bank. However, other banks might rank No. 1 for other attributes, such as customer count, customer satisfaction, mobile banking performance or yields on interest-bearing accounts.

Our Methodology

Our team researched more than 100 of the country’s largest and most prominent financial institutions, collecting information on each provider’s account options, fees, rates, terms and customer experience. We then scored each firm based on the data points and metrics that matter most to potential customers. Read our full methodology.

All America Bank, Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Credit Union, American Express National Bank, Apple Bank, Arvest Bank, Associated Bank, Axos Bank, Banesco Bank, Bank of America, Bank of Hope, Bank Purely, Bank5 Connect, Barclays, Bask Bank, BECU (Boeing Employees Credit Union), Bethpage Federal Credit Union, BMO, BMO Alto Bank, Bread Savings (formerly Comenity Direct), BrioDirect, Capital One Bank, CFG Bank, Charles Schwab, Charlie Financial, Chase Bank, Chime, CIBC USA, CIT Bank, Citibank, Citizens, Citizens Bank, Colorado Federal Savings Bank, Comerica Bank, Connexus Credit Union, Consumers Credit Union, Credit One Bank, Cross River Bank, Current, Customers Bank, Delta Community Credit Union, Discover Bank, East West Bank, Emigrant Direct, EverBank (formerly TIAA Bank), Federal Savings Bank, Fifth Third Bank, First Citizens Bank, First Internet Bank (of Indiana), First National Bank of America, First Tech Federal Credit Union, FNBO Direct, Frost Bank, Golden 1 Credit Union, Heritage Bank NA, HSBC, Huntington Bank, KeyBank, Lafayette Federal Credit Union, Lake Michigan Credit Union, LendingClub, Limelight Bank, Live Oak Bank, Lonestar Bank, M.Y. Safra Bank, M&T Bank, Marcus by Goldman Sachs, Mercury Bank, Merrick Bank, Michigan State University Federal Credit Union, Milli, Morgan Stanley Private Bank, Mountain America Credit Union, My eBanc, MySavingsDirect, National Bank of Kansas City, Navy Federal Credit Union, NBKC Bank, North American Savings Bank (NASB), Northpointe Bank, Patelco Credit Union, PenFed Credit Union (Pentagon Federal), PNC Bank, Popular Direct, Presidential Bank, Provident Bank, Quontic Bank, Quorum Federal Credit Union, Randolph-Brooks Federal Credit Union, Regions Bank, Ridgewood Savings Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, SoFi Bank, South State Bank, Spectrum Credit Union, Spring Bank, Star One Credit Union, State Bank of Texas, State Department Federal Credit Union, State Employees’ Credit Union, Suncoast Credit Union, Sutton Bank, Synchrony Bank, Synovus Bank, TD Bank, Texas Capital Bank, Third Federal Savings & Loan, Transportation Alliance Bank (TAB Bank), Truist Bank, U.S. Bank, UFB Direct, Umpqua Bank, Upgrade, USAA Bank, USAlliance Financial, Valley National Bank, Varo Bank, Vio Bank, VyStar Credit Union, Webbank, Webster Bank, Wells Fargo, Western State Bank, Zions Bank, Zynlo Bank

*Data accurate at time of publication.

**Rates accurate as of November 13, 2024.

Editor’s Note: Before making significant financial decisions, consider reviewing your options with someone you trust, such as a financial adviser, credit counselor or financial professional, since every person’s situation and needs are different.

Editor’s Note: Parts of this story were auto-populated using data from Curinos, a research firm that collects data from more than 3,600 banks and credit unions. For more details on how we compile daily rate data, check out our methodology here.