Who moved this week: Members First CU raised checking accounts up to +5.00 pts

Rates we verified on bank and credit union sites, and what actually changed in the last 7 days (through Oct 17). Corrections and data imports are not counted as moves.

Who raised

• Members First CU: checking accounts, up as much as 5.00 pts, now as high as 5.00%
• Orange County's CU: CDs, up as much as 2.35 pts, now as high as 3.75%
• Union Square CU: CDs (4 terms), up as much as 1.20 pts, now as high as 4.24%
• American Bank (Pennsylvania): checking accounts, up as much as 1.01 pts, now as high as 1.01%
• St. Mary's CU: CDs (4 terms), up as much as 0.75 pts, now as high as 3.95%
• People Driven CU: CDs, up as much as 0.55 pts, now as high as 4.55%
• Workers CU: CDs (5 terms), up as much as 0.50 pts, now as high as 3.75%
• EagleBank: checking accounts, up as much as 0.48 pts, now as high as 0.48%

Who cut

• Ardent CU: savings accounts, down as much as 1.90 pts, now at most 1.40%
• Workers CU: CDs, down as much as 0.17 pts, now at most 3.50%
• BCU (Baxter CU): CDs (2 terms), down as much as 0.15 pts, now at most 3.65%
• Pelican State CU: CDs, down as much as 0.11 pts, now at most 4.20%

30 raised and 4 cut in total; the biggest moves are shown.

Top US rates now

US, personal accounts, available nationwide, in ranking order (our score weighs rate, minimums and access, so #1 is not always the highest APY). Rankings never depend on partner status.

High-yield savings

#1 SoFi Bank SoFi Plus Savings (up to $20K cap) no minimum · checked Oct 6 · Conditions apply; Top rate up to $20,000	4.50%
#2 Nuvision Digital Savings no minimum · checked Oct 13 · Conditions apply; Top rate up to $25,000	4.50%
#3 Elevault (Southern Bancorp Bank) Elevault High-Yield Savings no minimum · checked Oct 5 · Top rate up to $500,000	4.34%

See the full ranking

1-year CDs

#1 E*TRADE (Morgan Stanley Private Bank) E*TRADE CD 12-Month no minimum · 12 month · checked Oct 5	4.75%
#2 INOVA INOVA Federal Credit Union 14 Month Special $200 min · 14 Month Special · checked Oct 4	4.50%
#3 Barclays US Barclays 12-Month CD no minimum · 1 year · checked Oct 7	4.50%

See the full ranking

5-year CDs

#1 Barclays US Barclays US 60-Month CD no minimum · 60 month · checked Oct 7	4.75%
#2 Hope CU Hope Credit Union 60-Month Jumbo $95,000 min · 60-Month Jumbo · checked Oct 6	4.95%
#3 BTG Pactual Bank BTG Pactual 60-Month CD $500 min · 60 months · checked Oct 7 · Conditions apply	4.70%

See the full ranking

Money market accounts

#1 ZYNLO Bank ZYNLO Money Market no minimum · checked Oct 10	4.05%
#2 Bank5 Connect Bank5 Connect High-Interest Money Market $100 min · checked Oct 5 · Top rate up to $1,000,000	4.00%
#3 AdelFi AdelFi High-Yield Money Market $1,000 min · checked Oct 5 · Conditions apply; Top rate up to $100,000	4.00%

See the full ranking

New on YourBest

Cash goal calculator

Enter how much you have and how many months until you need it. The calculator compares the best savings account, CD, no-penalty CD and Treasury bill for that exact time frame and ranks them by dollars earned at today's rates. Add your state tax rate and Treasuries get credit for skipping it; bank bonuses are optional.

Try the calculator

Bank account bonuses

New or bigger this week

• PNC Bank business checking: $1,000, select states, ends Dec 31
• Associated Bank checking: up to $600, select states, ends Oct 31
• BMO checking: up to $600, select states, ends Dec 15
• BMO checking: up to $600, select states, ends Dec 15
• Huntington National Bank checking: $600, select states, ends Jan 15

Also running: biggest personal offers

• TruStone Financial CU checking: up to $500, nationwide, ends Dec 31
• SoFi Bank checking: $400, nationwide, ends Dec 31
• First Bank & Trust Company HSA: $250, select states

Bonuses need new money or direct deposit and a holding period; they are taxable income. Confirm the terms on the bank's site. See every live bank bonus.

Card sign-up bonuses and transfer bonuses

New highs

• The American Express Blue Business Cash Card: est. bonus value $500 (was $250)
• Eagle Navigator Credit Card: est. bonus value $500 (was $300)
• World of Hyatt Business Credit Card: est. bonus value $1,190 (was $1,020)
• JetBlue Plus Card: est. bonus value $1,015 (was $870)
• United Explorer Card: est. bonus value $875 (was $750)

Drops

• Citi / AAdvantage Globe Mastercard: est. bonus value $840 (was $1,260)
• Atmos Rewards Ascent Visa Signature: est. bonus value $875 (was $1,165)
• World of Hyatt Credit Card: est. bonus value $1,020 (was $1,275)
• Marriott Bonvoy Boundless Credit Card: est. bonus value $563 (was $750)
• Business Green Rewards Card: est. bonus value $225 (was $375)

Transfer bonuses running now

• 50% bonus: Wyndham Rewards points to Hainan Airlines Fortune Wings Club, ends Oct 31
• 30% bonus: Citi ThankYou points to Japan Airlines Mileage Bank, ends Oct 24
• 25% bonus: Citi ThankYou points to Avianca LifeMiles, ends Oct 24
• 15% bonus: Citi ThankYou points to Qatar Airways Privilege Club, ends Oct 31
• 15% bonus: World of Hyatt points to Qatar Airways Privilege Club, ends Oct 31
• 15% bonus: IHG One Rewards points to Qatar Airways Privilege Club, ends Oct 31

Bonus values are our estimates and points are not guaranteed to be worth that much. Terms apply; check the issuer's site. See current bonuses.

Canada highlights

Posted interest rates in Canadian dollars, not APYs.

High-interest savings (Canada)

#1 Manulife Bank of Canada Manulife Bank Advantage Account 12-month effective rate · CAD · checked Oct 6 · Includes a promo rate: 12-month effective rate shown; New clients only	3.00%
#2 Saven Financial High Interest Savings Account 12-month effective rate · CAD · checked Oct 17	2.85%
#3 Oaken Financial Savings Account 12-month effective rate · CAD · checked Oct 17	2.80%

See the full ranking

1-year GICs (Canada)

#1 StellerVista CU New Money Special - Non-Redeemable 1 year · CAD · checked Oct 8 · New money only	4.05%
#2 Haventree Bank Non-redeemable GIC 1 year 1 year · CAD · checked Oct 17	4.00%
#3 Northern Birch CU 1-Year Non-Redeemable Term Deposit Special (new money) 1 year · CAD · checked Oct 17 · New money only	4.00%

See the full ranking

5-year GICs (Canada)

#1 Oaken Financial Non-redeemable GIC 5 Years 5 Years · CAD · checked Oct 17	4.50%
#2 Saven Financial GIC 5 year 5 year · CAD · checked Oct 15	4.50%
#3 WealthONE Bank of Canada Non-redeemable GIC 5 years 5 years · CAD · checked Oct 6	4.50%

See the full ranking