Prod. Institution APY Min Bal to Open Min Bal to Avoid Fees Mthly Fees Savings Tennessee Commerce Bank Franklin, TN 2.30 $250 250.00 2.50 Savings UFBDirect.com Irvine, CA 2.00 $500 0.00 0.00 $10K MMA OneWest Bank, FSB Pasadena, CA 1.85 $10,000 1000.00 7.00 $10K MMA  Flagstar Bank Troy, MI 1.81 $10,000 0.00 0.00 Savings Heartland Bank Direct St. Louis, MO 1.76 $500 0.00 0.00 Savings Ally Bank Midvale, UT 1.75 $0 0.00 0.00 Savings Bank of Internet USA San Diego, CA 1.75 $100 0.00 0.00 Savings Beverly National Bank Online Beverly, MA 1.75 $5,000 5000.00 15.00 Savings Intervest National Bank New York, NY 1.70 $500 0.00 0.00 Savings Ultima Bank Minnesota Fosston, MN 1.70 $1,000 1000.00 0.00 Savings Dollar Savings Direct New York, NY 1.70 $1,000 0.00 0.00 $10K MMA  Bank of Internet USA San Diego, CA 1.70 $10,000 0.00 0.00 $10K MMA  Ally Bank Midvale, UT 1.70 $10,000 0.00 0.00 ==> CD Rates at Largest US Banks <== Best CD Rate Survey:  ==>  Highest Yield CDs with FDIC <==