Interest

Gino45, the best nationally available savings rate that requiring no minimum of which I'm currently aware is the 3.75% at Alliant Credit Union (see http://www.alliantcreditunion.org/depositsinvestments/savings/regularsavings/ ).

But you may also want to give "rewards checking" accounts a look as well. If you want to save less than $25-50,000 and don't mind using a debit card for small purchases, that may allow you to earn significantly greater interest and have greater withdrawal flexibility than a high-yield savings account would provide.