BanksparencyYour Platform for Transparent Banking.
We track 100+ savings rates daily*. Stop settling for 0.39% when 4.15%+ APY is available.
*We don't filter for paying partners and label them "best".
National Average (0.39%)*
$39/yr
Top Savings APYs (4.15%+)
$415/yr
+$376
*National Savings Average source: FDIC.gov as of 12/15/2025
Savings Rates
Compare daily rates from FDIC-insured banks.
The National Average is failing you.
While the national average savings rate sits at a mere 0.39%, high-yield accounts are outpacing inflation.
Even worse, many customers are staying with accounts that pay virtually zero interest.
Switching from an average bank to a Top HYSA increases your passive income by 10x or more immediately.
📈 FDIC National Average Rates Over Time
Financial Tools & Analysis
Go beyond rates. Plan your financial future with our interactive tools.
Savings Calculator
Easily project your savings growth using the latest savings account rates or enter a custom APY.
Emergency Fund Planner
Calculate exactly how much you need to save for 3-6 months of expenses based on your lifestyle.
Camp Savings Calculator
Plan your summer budget. See how today's high rates can help you reach your savings goal faster.