Every rate read on the bank's own site. Newest reading: August 29, 2026.
High-yield savings, CDs and money market accounts all pay between 3.5% 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 3.36% in the year leading up to July 2026. If inflation continues at the same pace, an account earning less than that loses buying power.
Find accounts that fit your balanceFour questions, no sign-up.
APY is the yearly rate after compounding. Each range covers the ten highest we track in that family, not the single highest.
Savings Rates
Compare daily rates from federally insured banks.
Today's top savings 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 |
|---|---|---|
| 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% |
| Popular Direct | 24 Months24 months | 4.45% |
Rates tracked daily. APY subject to change by institution.
Money Market Rates
The highest money market account rate 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.
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 0.38% APY, below the 3.36% that prices added over the year to July 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
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.