Best High-Interest Accounts of June 2026 (up to 5.12%)

The Ultimate Rewards Checking account from All America Bank offers a competitive 4.10% APY on balances up to $15,000 each month and 0.50% APY for balances over that amount. Other perks of this high-yield checking account include up to $25 in foreign ATM fee refunds each month, no minimum balance requirement and no monthly fee. Opening the account online requires a $500 minimum deposit.

The rewards are solid, but here's the catch: To take advantage of the high rate, you’ll need to receive electronic statements and make at least 10 debit card transactions each month. Otherwise, the APY is 0.25% and paper statements cost $3 per month. Note that 10 online bill pay transactions are included for free each month, and each additional transaction costs $0.50.

Hope Credit Union’s checking account pays 5.12% APY on balances up to $10,000 each month that you meet a few requirements: Have a direct deposit to or an automatic payment out of your account, make at least 12 debit card transactions, opt into e-statements and log into your account online or on the mobile app at least once. If you don’t meet the requirements, you’ll earn 0.10% APY on your balance. Balances over $10,000 earn 0.50% APY. The account also offers up to $20 in ATM fee reimbursements. To join Hope Credit Union, you can pay a $10 membership fee, $5 of which goes to an affiliated nonprofit.

Connexus Credit Union’s Xtraordinary Checking account offers 4.50% APY on up to $25,000 to customers who opt-in to e-statements, either make a minimum of 15 debit card purchases or spend at least $500 per month, and receive a direct deposit or ACH deposit of at least $500. This account also provides up to $15 in rebates per month for fees at out-of-network ATMs. If a customer doesn’t meet the requirements, they won’t earn any interest or get the rebates for ATM fees.

Bread Savings’ $1,500 minimum deposit to open a CD is more than what’s required at some institutions, but the bank offers some of the highest rates available. Terms range from three months to five years. Interest is compounded daily, and there are no monthly fees. The minimum $1,500 must be deposited in a single transaction.

Bread Savings disclosures: "All Bread Savings APYs are accurate as of 05/21/2026. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. Rates are compared against competitor rates published by NerdWallet.com and the institutions themselves as of 05/21/2026. NerdWallet.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed."

“Rates are compared against competitor rates published by NerdWallet.com and the institutions themselves as of 05/27/2026. NerdWallet.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.”

Anyone can become a member of NASA Federal Credit Union, and its excellent share certificate rates could make it worthwhile to join. You’ll need to deposit at least $1,000 to open an account, which is comparable to the minimum requirement at other credit unions. Terms from six months to five years are available.

The online bank TAB Bank provides CDs with strong rates at a somewhat low minimum of $1,000. Term lengths range from one to five years, with interest compounded daily.

The Axos ONE account is a combined checking and savings account that pays competitive interest rates — as long as you meet a couple requirements. There are no monthly fees and no minimum deposit requirement to open, but to earn the savings account’s 4.21% APY, you’ll need to receive at least $1,500 in direct deposits by the 25th each month plus maintain a minimum $1,500 average daily balance, or receive at least $5,000 in qualifying deposits (external transfers or checks) by the 25th each month plus maintain a minimum $5,000 average daily balance. The APY applies to balances below $500,000; amounts at or above that earn slightly less.

Without meeting the requirements, the savings account earns only 1.00%.

Vio Bank offers a competitive 4.01% APY on all balances. There’s no monthly fee (though paper statements cost $5 each) and no minimum balance requirement. Opening an account requires a deposit of at least $100.