To get anything above 1% on most accounts require quite a bit more. There's actually no minimum to open the account and you get the 1.21% interest rate earning for the first 60 days on whatever you deposit into your account. After 60 days, if you've got $10k in the account, you'll continue to earn 1.21%, if not, your rate will drop down to a pathetic 0.15%. The key here is that you'll get the highest interest rate regardless of what you deposit for the first 60 days and you're getting the highest interest rate for just $10k (most require a significant amount more) so it's worth it to spend a few minutes and open this account. WT DIRECT SAVINGS ACCOUNT