Here are nationally available accounts with the best recent ­annual percentage yields (APY) as of January 20…

Savings and money-market ­accounts… 

• All-American Bank Mega Money Market, 1.25% APY on balances up to $35,000.

• Incredible Bank Incredible Savings, 1.17% on balances up to $250,000.

Rewards checking… 

• Main Street Bank of Bingham Farms, Michigan, offers “Kasasa Cash,” yielding 2.25% for balances up to $25,000 with monthly requirements including 12 debit card purchases.

• Lake Michigan Credit Union, which you can join for a onetime $5 donation, offers Maximum Checking yielding 3% on balances up to $15,000 (that’s $450 per year) with monthly requirements that include ­direct ­deposit, signing up for electronic statements and 10 debit card purchases.

CDs… 

• A one-year CD yielding 1.4% on balances of at least $500 is offered by Lake Michigan Credit Union, which you can join for a onetime $5 donation.

• A one-year CD yielding 1.3% is offered by Capital One 360.

• A 15-month CD yielding 1.51% with a $500 minimum and no maximum is offered by US Alliance Financial.

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