Getting the best interest rates for your savings account can mean the difference between earning just $20 or an extra $200 a year. The annual percentage returns of the best online savings accounts are up to 10% higher than traditional accounts. The national average last year was around 0.09%, but some online financial institutions may offer APY rates of 1.70% – 2.0%. Here’s a look at some of the top savings account rates:

CIBC agility account

Offered by CIBC Bank USA, the Agility account currently comes with an APY of 1.85% per account. To apply, you will need a photo ID, a minimum deposit of $1,000, be at least 18 years of age, a social security number, and employment details. There are no maintenance fees. You can make limited transfers through CIBC NetBanking.

Alliant Credit Union

Alliant offers a high-rate savings account rate of around 1.65%, and the minimum balance to keep the account open is just $5. However, to earn interest, you must maintain an average daily balance of at least $100. This is a low average amount compared to many of the other top account fees on this list. As long as you select “eStatements”, there is no monthly fee.

American Express Personal Savings

There is an APY of 1.70 with a Personal Savings Account through American Express. It’s easy to set up an account and you can even have multiple accounts linked and move money between them. There are no monthly balance requirements, though you’ll still need to maintain at least $1 to earn APY.

C.I.T. Bank

This online bank offers a couple of good account options, including Savings Builder (up to 1.80% APY) and Premier High Yield Savings (1.55%). With the latter, you can start growing and reach your financial goals faster. With the Savings Builder option, you’ll need a minimum balance of $25,000 or a monthly deposit of $100. When it comes to customer service, CIT Bank is the top pick on this list of the best savings account rates.

Regardless of the bank you choose, you should make sure you choose one that is backed by the FDIC. All financial institutions on this list are. Also read the reviews to see if there are any complaints and to understand the pros and cons of each bank.

When it comes to the best savings account rates, CIT Bank is usually at or near the top of everyone’s list.