As some of the more popular banks like ING Direct, HSBC Direct and FNBO Direct lower their interest rates, other less-known banks are appearing in their place with higher rates. Some of these banks do not have reputations yet and haven’t been in the public eye for long. Here are a few that you may want to consider, all FDIC insured.

Venture Bank Direct is the new online-only arm of Venture Bank. The Venture Bank Direct “Wise Choice Savings” account has no minimum balance requirement and is currently offering an interest rate of 3.8% APY. Venture Bank is rated two stars by BankRate.

As with all savings accounts, you are allowed to make six withdrawals from the account in any one month period. However, only the first three withdrawals are free; any additional withdrawals are assessed a $1 fee. You can deposit money up to 3 times in one day via ACH with a maximum total of $50,000. You are limited to no more than 3 ACH withdrawals per day with a maximum total of $10,000.