Criteria used in Bankrate.com surveys

$10K IRA MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $10,000 deposit that is eligible to be included in an individual retirement account (IRA).

$10K MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $10,000 deposit.

$25K IRA MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $25,000 deposit that is eligible to be included in an individual retirement account (IRA).

$25K MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $25,000 deposit.

$50K IRA MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $50,000 deposit that is eligible to be included in an individual retirement account (IRA).

$50K MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $50,000 deposit.

IRA MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's lowest minimum to open and earn interest that is eligible to be included in an individual retirement account (IRA).

Jumbo IRA MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $100,000 deposit that is eligible to be included in an individual retirement account (IRA).

MMA

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's lowest minimum to open and earn interest,or the stated dollar amount in the table.

MMA jumbo

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This listing is based on the institution's best yield on a $100,000 deposit.

Savings

An FDIC-insured depository account that is provided to a consumer with no other relationship to the institution. For credit unions, the account is insured by NCUA. Pre-authorized or automatic transfers are limited to 6 per billing cycle, three of which can be checks. This account is the institution's "lowest minimum to open and earn interest" savings account that is available to the general public. Periodic statements are issued to the accountholder covering the deposits and withdrawals that have been made.