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The Zions Bank Internet Savings Account is currently offering a 1.11% APY, yet it also has over 125 physical branches you could visit if need be.

These days, the returns available for cash and short term CD investments are so low, many are just giving up on seeking higher rates and writing cash off as a lost investment. But, there are other options.

The WTDirect savings account is geared towards the investor who has $10,000 or more to invest. In exchange, the bank offers higher interest rates and exceptional customer service.

US Bank's S.T.A.R.T program rewards savers with $50 for the first $1,000 saved, and another $50 if they're able maintain a $1,000 savings balance for a year.

Capital One offers a great interest rate on its InterestPlus account, but only if you read the fine print and follow the rules.

Savings and CD rate averages have held steady over the past two weeks although the top savings rate has dropped significantly. Two weeks ago the top savings rate was 1.75% APY and now the top rate is 1.55% APY.

WT Direct just launched a pretty rich savings offer today. When you open a savings account with them, they'll pay a cash bonus of $100 for every $10,000 you deposit, up to $50,000. That means you can make $500 for depositing $50,000 into the bank.

After remaining steady for the past three weeks, average savings rates and cd rates dropped over the past week. Perhaps more significantly, the top savings rate tumbled.

Sallie Mae Direct today raised their savings account rate from 1.25% APY to 1.40% APY. That represents one of the few rate increases we've seen over the past six months.