Every rate read on the bank's own site. Newest reading: October 19, 2026.
High-yield savings, CDs and money market accounts all pay between 3% and 5% today.
Whether you need the money on Tuesday, can lock it away for a year, or want a debit card and checkbook, there is an insured account that keeps you ahead of rising prices. Opening one takes $100 or less.
Prices went up 3.40% in the year leading up to August 2026. If inflation continues at the same pace, an account earning less than that loses buying power.
Answer a few anonymous questions to find the account that fits your needs.
- No sign-up
- Ranked by what you earn
APY is the yearly rate after compounding. Each range covers the ten highest advertised APYs we track in that family, not the single highest. The savings page ranks accounts by what $10,000 earns in a year, so its order can differ from this range.
Savings Rates
Compare daily rates from federally insured banks.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $50,000 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Openbank | High-Yield Savings Account | 4.35% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsunder $500,000 only | 4.27% |
Rates tracked daily. APY subject to change by institution.
CD Rates
The highest certificate of deposit rates we track that are open nationwide. Business, youth and IRA CDs are not included.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 monthsAvailable nationwide | 5.00% |
| Popular Direct | 48 Months48 monthsAvailable nationwide | 4.95% |
| Bread Savings | 18-Month CD18 monthsAvailable nationwide | 4.85% |
| Popular Direct | 36 Months36 monthsAvailable nationwide | 4.85% |
| Happen Bank | 2-Year CD24 monthsAvailable nationwide | 4.76% |
Rates tracked daily. APY subject to change by institution.
Money Market Rates
The highest money market account rate at each bank we track, among accounts open nationwide.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
Rates tracked daily. APY subject to change by institution.
Compare Two Banks
See any two banks side by side, with current savings rates.
Pick two banks to compare.
More pairs are on the Compare Two Banks page.
Rate history
How the national average has moved
The national average savings rate sits at 0.37% APY, below the 3.40% that prices added over the year to August 2026, so money at the average buys a little less each month. All ten of the highest high-yield savings rates we track earn more than prices added over that year.
See the highest savings ratesShow the chart
FDIC National Average Rates Over Time
Bank statistics
What the FDIC data says about US banks
Counts, sizes and savings rates for every FDIC-insured bank, from FDIC data, rebuilt each month.
33%
fewer US banks: 6,348 filed a call report in June 2015, 4,238 in June 2026.
27%
of the Fed's rate rise in 2022 and 2023 reached the median bank's savings rate.
22 of 22
quarters from Q1 2021 to Q2 2026 with the median bank's savings rate below inflation.
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.
Browser Extension (Chrome)
Get the top 10 highest savings rates instantly in your Chrome toolbar.