Western Alliance Bank: Savings Account & Rates

By Aviel Fahl

|

Updated: 12/6/2025

Mission: Banksparency aims to make Western Alliance Bank's savings accounts transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

High-Yield Savings Premier

3.90% APY
7 days
↘︎ 0.05%
30 days
↘︎ 0.15%
90 days
↘︎ 0.35%
Min: $500 Online Only
Min. Deposit$500
Min. Balance$0
Maintenance Fee$0
Rank #44 of 102 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates
National Avg: 0.40% (FDIC, 11/17/2025).
Banksparency tracks live rates daily.

Bank Overview

Visit Official Website

Our Take on Western Alliance Bank

Highlights

  • High-Yield Savings Premier offers 3.90% APY.
  • No maintenance fees for the account.
  • Online-only account for easy access.
  • No minimum balance requirement.

Considerations

  • App rating is low at 1.4 stars.
  • Google rating is only 2.4 stars.
  • Not BBB Accredited.
  • Limited branch locations in Arizona and Ohio.
Summary: Western Alliance Bank's High-Yield Savings Premier account offers a competitive 3.90% APY with no maintenance fees and no minimum balance requirement. However, the bank has low app and Google ratings of 1.4 and 2.4, respectively, and is not BBB Accredited. The APY decreased from 4.05% in the last 30 days. The account is online-only, providing easy access for customers.

Savings Account: In-Depth View

Savings Account Offered by Western Alliance Bank

Feature
High-Yield Savings Premier
APY
3.90%Verified: 12/6/2025
APY Trend
7 days
↘︎ 0.05%
30 days
↘︎ 0.15%
90 days
↘︎ 0.35%
Min. Deposit
$500
Min. Balance
$0
Monthly Fee
$0
Direct Deposit
None
Checking Bundle
No
Branch Access
None
Compounding
Monthly
FDIC Insured
 Yes
Eligibility
United States
Next Steps-

Calculate Savings for Western Alliance Bank

All calculations are based on APY.
High-Yield Savings Premier3.90% APY
$
$

Savings Breakdown

  • Interest Earned
    +$1,526.90(9.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $1,000

Projected Balance

$15,526.90

Effective APY
3.90%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Western Alliance Bank Savings Rates Over Time

Historical APY Insights

Last 12 Months
MetricHigh-Yield Savings Premier
Latest APY
3.90%
Trend
Sideways
Slope (bps/mo)
-2.8
Rate Changes / Mo
1.10
Days Since Last Change
4
High (-12m)
4.46%
Low (-12m)
3.90%
Draw-down
-12.6%
Volatility (CV)
0.028
How to read these metrics▼
Trends & Velocity
Trend
The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo)
Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo
"Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
High/Low
The absolute ceiling and floor of the rate during the 354-day window.
Volatility Score
Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change
If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Western Alliance Bank

Feature
Current View
Western Alliance Bank
Empty Slot
ProductHigh-Yield Savings Premier-
APY
3.90%Verified: 12/6/2025
-
APY Trend
7 days
↘︎ 0.05%
30 days
↘︎ 0.15%
90 days
↘︎ 0.35%
-
Min. Deposit$500-
Monthly Fee$0-
Direct Deposit
No-
Checking Bundle
No-
Branch AccessNone-
Eligibility United States-
Compounding
Monthly-
FDIC Insured
Yes-
Next Steps--

Alternatives to Western Alliance Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

Evergreen Bank Group

High-Yield Online Savings: 4.25% APY (Inactive)

Minimum Deposit: $100

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Barclays

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Minimum Deposit: $0

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Ivy Bank

High-Yield Savings Account: 4.25% APY

Minimum Deposit: $2,500

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Zynlo Bank

Tomorrow Savings Account: 4.05% APY

Minimum Deposit: $10

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Openbank

High-Yield Savings Account: 4.20% APY

Minimum Deposit: $500

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Forbright Bank

Growth Savings: 4.00% APY

Minimum Deposit: $0

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Bright Savings: 3.65% APY

Minimum Deposit: $250

Eligible States: Limited (see details)

Sprout Savings: 3.65% APY

Minimum Deposit: $1

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EverBank

Performance Savings: 4.05% APY

Minimum Deposit: $0

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BrioDirect

High-Yield Savings Account: 4.00% APY

Minimum Deposit: $5,000

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My Banking Direct

High Yield Savings Account: 4.02% APY

Minimum Deposit: $500

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ROGER

ROGER Savings: 3.87% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Rising Bank

High-Yield Savings Account: 3.95% APY

Minimum Deposit: $1,000

Online Only