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We track 100+ savings rates daily*. Stop settling for 0.38% when 4.01%+ APY is available.
*We don't filter for paying partners and label them "best".
National Average (0.38%)*
(National Rate Cap: 4.38%)
$38/yr
Top Savings APYs (4.01%+)
$400/yr
+$362
*National Savings Average source: FDIC.gov as of July 2026
Savings Rates
Compare daily rates from federally insured banks.
Latest Rates
Displaying 1-5 of 211| Financial Institution | Min. Deposit | |
|---|---|---|
| First Federal Bank of Kansas CityGrow Savings Account | 5.00% | $25 |
| GO2bankHigh Yield Savings | 4.50% | $0 |
| ElevaultHigh Yield Savings Account | 4.34% | $0 |
| Axos BankAxos ONE Savings | 4.21% | $0 |
| Newtek BankPersonal High Yield Savings | 4.20% | $100 |
First Federal Bank of Kansas City
Grow Savings Account
GO2bank
High Yield Savings
Elevault
High Yield Savings Account
Axos Bank
Axos ONE Savings
Newtek Bank
Personal High Yield Savings
Rates tracked daily. APY subject to change by institution.
CD Rates
The highest certificate of deposit rates we track. Business CDs are not included.
| Institution | Product / Term | APY |
|---|---|---|
| Bread Savings | 18-Month CD18 months | 4.50% |
| Popular Direct | 36 Months36 months | 4.50% |
| Popular Direct | 48 Months48 months | 4.50% |
| Popular Direct | 60 Months60 months | 4.50% |
| Grant County Bank | 60-Month CD60 months | 4.48% |
Rates tracked daily. APY subject to change by institution.
Money Market Rates
The best money market account at each bank we track.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Waterman Bank | Money Market | 3.82% |
| Quontic Bank | Money Market Account | 3.80% |
| Bank Michigan | Premier Money Market Investments (MMI) | 3.75% |
Rates tracked daily. APY subject to change by institution.
The National Average is failing you.
While the national average savings rate sits at a mere 0.38%, 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
Tools
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.
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