Hot Deals: DollarSavingsDirect 4.00% APY (reviews) | EverBank 4.00% APY (more) | FNBODirect 2.80% APY (reviews) |  Firstrade $20 Bonus

Best Online Savings Accounts

Check out these popular online Savings Account deals. Rates good as of January 5, 2008.

Dollar Savings Direct Savings Account 4.00% APY

Highlight: Dollar Savings Direct is a division of Emigrant Bank, which also owns Emigrant Direct. The account currently has a 4.00% yield, the highest rate available for a savings account, with a $1,000 minimum deposit requirement and no monthly fee.

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EverBank Yield Pledge Money Market Account 3.76% Bonus Rate

Highlight: EverBank Yield Pledge Money Market Account currently has a 3-month introductory rate of 3.76%. The introductory rate will be good until the end of this year. You can earn an yield of 3.42% for the first year with account balance up to $50,000. The Money Market account has a minimum initial balance of $1,500 to avoid the $4.95 monthly account fee.

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UFB Direct Traveler Savings Account 3.30% APY

Highlight: UFB Direct Traveler Savings Account now offers 3.305% APY. To earn the 3.15% yield, a minimum deposit of $500 is required when opening a new account.  In addition, 500 AmericanAirlines AAdvantage bonus miles will also be rewarded.

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E*Trade Max-Rate Savings Account 3.01% APY

Highlight: With E*Trade Max-Rate Savings Account, you can earn a 3.01% APY, 8 times the national average. The account doesn’t charge a monthly fee and has no minimum balance requirement ($1 to earn interest).

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WTDirect High Yield Savings Account 3.06% APY

Highlight: WTDirect High Yield Savings Account has a yield at 3.06% APY, but you need to have at least $10,000 deposit to earn the rate. With lower account balance, you can still earn 3.06% APY for the first 60 days. The High Yield account has no monthly account maintenance fee and the minimum amount to earn interest is $1.

Special Promotion: From now till December 22, 2008, you can get up to $250 bonus when opening a WTDirect High Yield Savings Account.

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FNBO Direct Online Savings Account 2.80% APY

Highlight: FNBO Direct Online Savings Account, which was named the Best Online Savings Account in 2008 Kiplinger, offers an attractive 2.80% APY with no monthly fee and no minimum ($1 to earn interest). With FNBO Direct, you will enjoy the flexibility of online banking while getting great returns for your money.

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HSBC Direct Online Savings Account 2.60% AP

Highlight: HSBC, one of the world’s largest financial institutions, offers a competitive 2.60% APY through its HSBC Direct Online Savings Account that has no monthly fee and no minimum balance requirement. In addition, HSBC Direct also has interest checking account and CDs to meet all your banking needs.

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ING Direct Orange Savings Account 2.50% APY

Highlight: ING Direct Orange Savings Account, one of the oldest direct online savings accounts, has the largest customer basis among all major online banks. The Orange Savings account currently yields 2.50% annually with no account maintenance fee and no minimum. With ING Direct, you know your money is in good hands.

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Venture Bank Wise-Choice Savings Account 3.50% APY

Highlight: With Venture Bank Wise-Choice Savings Account, you can earn a very competitive 3.50% APY with $1 minimum and no monthly account maintenance fee. Venture Bank will soon introduce its own online checking account, so keep an eye on this bank.

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IGoSavings Onlines Savings Account 3.08% APY

Highlight: IGoSavings, the online savings account of IGoBanking, a division of Flashing Savings Bank, currently pays 3.08% APY with $1 minimum deposit and no monthly fee. With IGoBanking, you can also get an interest checking account with 1.75% APY.

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GMAC Onlines Savings Account 3.25% APY

Highlight: GMAC Bank Online Savings Account has one the highest rates for online savings accounts. With just $1 to open an account, you can enjoy the 3.25% APY with no minimum balance requirement and no monthly service fee.

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