Discover Bank’s online savings account currently has a savings account rateof 1.34 percent with a savings account annual percentage yield of 1.35 percent. That savings rate is one of the highest savings account rates around and beats most 12 month certificate of deposit rates.

Discover Bank’s online savings account rate also is 5 times the national average savings rate (as reported by Informars) of 0.24 percent for account balances of at least $2,500.  The minimum opening Discover Bank online savings account deposit is $500.

Discover Bank’s online savings account earns interest daily. Interest is also compounded daily giving you a higher annual percentage yield. Interest is credited to the online savings account monthly.

Discover Bank’s online savings account is insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 until December 31, 2013. After that date FDIC insurance protection reverts back to $100,000 for all deposit accounts at all banks.

You’ll need to fulfill the following requirements and provide the appropriate information when filling out an online savings account application:

• You must be at least 18 years old
• Have a valid Social Security Number
• Have a valid US Address
• Provide an electronic signature

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The savings account rates are some of the lowest savings account rates available right now. The current Share Savings account rate and Holiday Savings account rate is 0.25 percent with an annual percentage  yield of 0.25 percent. Of course you can find savings rates higher than that.

The Health Savings Account (HSA) rates and yields are somewhat better. The HSA has tiered savings account rates. The lowest savings rate is .030 percent for savings account balances of $0 to $2,500.

HSA balances of $2,500 to $4,999 earn a savings rate and savings yield of 0.35 percent. Account balances of $5,000 to $9,999 earn a savings rate and savings yield of 0.45 percent and account balances of $60,000 or more earn a rate and yield of 0.60 percent.

The Insured Money Management Fund rate is at  0.30 percent with an APY of 0.30 percent. The minimum opening MMA deposit is $2,500.  The minimum balance to earn the MMA rate and yield is $2,500.

The Insured Money Market Plus Account has the highest minimum balance and the account also has tiered interest rates.

Insured Money Market Plus Account rates and APY

• Balance of  $10,000 – $24,000 - MMA Rate 0.35% Yield 0.35%
• Balance of $25,000 – $49,999 - MMA Rate 0.60% Yield 0.60%
• Balance of $50,000+ - MMA Rate 0.75% Yield 0.75%

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The credit union is advertising five different savings accounts,  a regular Share Savings Account, a Smart Apple Savers Savings Account, a Future Investors Club Savings Account, a Holiday Club Savings Account and a Vacation Club Savings Account.

Municipal Credit Union Savings Accounts

 Municipal Credit Union Share Savings Account Rates and Savings Yields

• Balances of $500 to $999 – 0.10% Rate 0.10% APY
• Balances of $1,000 to $3,999 – 0.15% Rate 0.15% APY
• Balances of $4,000 to $49,999 – 0.25% Rate 0.25% APY
• Balances of $50,000 or more - 1.00% Rate 1.00% APY

Smart Apple Savers

• 0.40 Savings Rate 0.40 Savings Yield

Future Investors Club 

• 0.40 Savings Rate 0.40 Savings Yield

Holiday Club Savings

• 0.20 Savings Rate 0.20 Savings Yield

Vacation Club Savings

• 0.20 Savings Rate 0.20 Savings Yield

Both the money market account has tiered interest rates. Following is a list of MMA rates.

Municipal Credit Union Money Market Account Rates

Money Market Account

• Balances of $2,500 – $9,999 0.55% Rate 0.55% APY
• Balances of $10,000 – $24,999 0.65% Rate 0.65% APY
• Balances of $25,000 – $49,999 0.75% Rate 0.75% APY
• Balances of $50,000 – and over 0.95% Rate 0.95% APY

For more current savings account rates and money market accounts from Municipal Credit Union visit nymcu.org.

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Maspeth Federal Savings’ current money market account rate and Passbook savings account rate is a lot higher than the national average savings account rate/money market account rate. The bank’s current interest rate for both accounts is 1.18 percent with an annual percentage yield (APY) of 1.20 percent.

All deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000 until December 31, 2013. After that date FDIC insurance reverts back to $100,000 of coverage per account.

Both the savings account and money market account are variable interest rate accounts. When you invest in variable rate accounts, the savings rate and savings yield can change at any time.

Certificates of deposit that have a fixed interest rate maintain the same rate for the duration of the deposit.

Maspeth Federal Savings’ current savings account interest rates and money market account rates can be found by going to maspethfederal.com.

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Their savings accounts are a Statement Savings Account, a Health Savings Account (HSA) and a Dime-A-Saurus Savings Account, which is a custodial savings account.

Their money market accounts (MMA) include a regular MMA and a Premier MMA. Both the savings accounts and money market accounts have tiered interest rates. The bank’s HSA has the best savings account rate, the current rate is 1.79 percent with an annual percentage yield of 1.80 percent.

The minimum opening deposit for the Statement Savings Account and Dime-A-Saurus Savings Account is $25. The minimum opening deposit for the HSA is $100. Their regular MMA has a minimum opening deposit of $500.00 and the Premier MMA minimum opening deposit is $10,000.00.

Current Savings Account Rates

Statement Savings Account & Dime-A-Saurus Savings Account:

• 0.35 rate 0.35% APY for all balances

Health Savings Account Rates

• Rate 1.24% APY 1.25% Min to $9,999
• Rate 1.49% APY 1.50% Min $10,000 to $24,999
• Rate 1.59% APY 1.60% Min $25,000 to $49,999
• Rate 1.69% APY 1.70% Min $50,000 to $99,999
• Rate 1.79% APY 1.80% Min $100,000 and up

Money Market Account Rates

Regular Money Market Account

• Rate 0.60% APY 0.60% Min $9,999
• Rate 0.75% APY 0.75% Min $10,000 to $24,999
• Rate 0.75% APY 0.75% Min $25,000 to $49,999
• Rate 0.85% APY 0.85% Min $50,000 to $99,999
• Rate 0.90% APY 0.90% Min $100,000 and up

Premier Money Market Account

• Rate 0.95% APY 0.95% Min $10,000 to $24,999
• Rate 1.00% APY 1.00% Min $25,000 to $49,999
• Rate 1.00% APY 1.00% Min $50,000 to $99,999
• Rate 1.04% APY 1.05%  Min $100,000 and up

For current interest rates go to ashevillesavingsbank.com.

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