Best Savings Account Rates - Everbank 2.25% APY, Southern Community Bank 2% APY

The best savings and money market account rates remain near the 2% range this week.

Everbank tops the list with their guaranteed 2.25% 3-month promo rate for new money. Southern Community Bank has the highest non-promo rate with their Ready Saver Account, offering 2%.

I've liked the the Everbank account for new money for several reasons. It comes with a 3-month rate guarantee. So, it's an essence a liquid 3-month CD. The top 3-month CD rate is only 1.10% APY. Anyone considering a 3-month CD should be putting their money into the Everbank account. After 3-months, the rate drops down to 1.25% APY. The blended 1-year APY is 1.51% APY. That's not bad but it's the 3-month boost I like the best.

Southern Community Bank's 2% APY is well above the average BestCashCow savings rate of 1.46% APY. Other banks above the average include: