OneUnited Bank has yet to cut the yield on their online savings account, which has remained the same ever since the Fed started cutting rates in September. The yield remains one of the highest interest rates available at 5.30% APY.

OneUnited Bank is FDIC insured. The bank has $632 million in assets and $358 million in deposits. Bankrate.com’s review gives the bank 3 out of 5 stars.