Compare High-Yield Savings Accounts
By Aviel Fahl|Last Updated: November 15, 2025
Quickly spot today's best high-yield savings rates and see which accounts actually fit your needs.
As of Saturday, November 15, 2025, the top FDIC-insured rate we track is 5.00% APY.Banksparency Recommends: Look beyond the APY. The best account for you also has low fees, a minimum deposit and balance you won't struggle to meet, and an app or in-person access that fits your needs.
Average High-Yield Savings
3.86% APY
(Banksparency Core Index™)
FDIC National Average: 0.40% APY
Rates reach 4.70% or more for top-tier accounts with specific activity requirements.
When a High-Yield Savings Account Makes Sense
A High-Yield Savings Account is a powerful and flexible tool for your short-to-mid-term financial goals. Here are some of the most common situations where a HYSA is a great fit:
- Emergency fund (3-12 mo)
FDIC safety + fast access.
See our Emergency Fund Planner
- Goals in 3-24 months
Vacation, wedding, car - no drawdown risk.
- Down payment (<24 mo)
Park cash while you shop.
- Taxes & 1099 set-asides
Use labeled sub-accounts.
- Sinking funds
Insurance, repairs, property tax.
- Tuition / semester sums
Earn between due dates.
- Job change / COBRA runway
Keep optionality; avoid forced selling.
- Travel fund (rolling)
Monthly in, periodic out.
New to High-Yield Savings Accounts?
What You Should Know About High-Yield Savings Accounts
High-yield savings accounts are a smart way to make your money grow faster than traditional savings accounts, thanks to significantly higher interest rates. But before choosing one, it's important to understand how they work and how to maximize their benefits.
Why High-Yield Accounts Pay More
Online banks typically offer higher interest rates (Annual Percentage Yield, or APY) because they have lower overhead costs compared to traditional banks.
For instance, in Banksparency's database 37 banks offer savings accounts of 4.00% APY or higher, compared to the national average of 0.4% (according to the FDIC, as of 10/20/2025).
This difference can mean earning hundreds more per year on your savings, even if your balance isn't huge.
Your Money is Safe
These accounts are protected by FDIC insurance*, meaning your savings are insured up to $250,000 per depositor, per bank. You can sleep easier knowing that even if the bank were to fail, your money is safe and secure.
*FDIC-insuranceEasy Access, But With Limits
Unlike certificates of deposit (CDs), high-yield savings accounts let you access your funds anytime without penalties. However, many banks still limit certain types of withdrawals or transfers to about six per month. It's wise to plan ahead to avoid any unexpected inconvenience.
Beware of Fees and Fine Print
Not all high-yield savings accounts are fee-free. Some might charge monthly fees if your balance drops below a certain minimum. For example, an attractive APY might come with a minimum balance requirement of $2,500 to avoid a $10 monthly fee. Always read the fine print so fees don't eat into your savings.
Rates Can Change Over Time
Interest rates on these accounts can fluctuate based on economic conditions. A 4% APY today might become 3% next year if market conditions shift. It's beneficial to periodically check the rates offered by other banks to ensure you're still getting the best deal.
Perfect for Short-Term Goals and Emergencies
High-yield savings accounts work particularly well for short-term financial goals, like saving for a vacation or a down payment on a home, making summer camp tuition more manageable, as well as for building an emergency fund. They're secure, offer easy access, and provide a solid return without the risks associated with investing in the stock market.
How to Pick the Best Account For You
When choosing your account, look beyond just the APY. Consider customer service quality, online and mobile banking convenience, ease of transfers, and overall reputation. An account that's easy to manage and consistently competitive will usually provide the best long-term satisfaction. By paying attention to these details, you can confidently use high-yield savings accounts to strengthen your financial strategy and achieve your goals faster.
For definition of common HYSA-terminology, see the glossary.
Top Savings Account Rates
We earn a commission if you open an account through some links on this page.
1. Varo Bank
Savings Account: High-Yield Savings Account
Top APY: 5.00%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 2.50% - 5.00% (rate verified Nov 15, 2025) |
| Note: | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.6/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. Min. $1,000/month |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 59190) |
| Affiliation: | Varo Money, Inc. |
| Better Business Bureau (BBB): | BBB Rating: A BBB Accredited |
| Branches: | None |
Calculate Savings for Varo Bank
High-Yield Savings Account (APY: 2.50% ⎼ 5.00%)
ℹ️You earn 5.00% on the first $5,000 and 2.50% on the rest.
Total savings breakdown:
- Interest earned: $1,561.3 (10.03%)
- Total contributions: $13,000 (83.54%)
- Initial deposit: $1,000 (6.43%)
Your total balance
$15,561.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Fitness Bank
Savings Account: Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.75%
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.75% (rate verified Nov 15, 2025) |
| Note: | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 29510) |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Fitness Bank
Fitness Elite Checking & Fitness Savings Combo (APY: 4.75%)
Total savings breakdown:
- Interest earned: $1,880.1 (11.84%)
- Total contributions: $13,000 (81.86%)
- Initial deposit: $1,000 (6.30%)
Your total balance
$15,880.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Pibank
Savings Account: Pibank Savings
Top APY: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.60% (rate verified Nov 15, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 2.4/5 Google Play Rating: 1.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 25258) |
| Affiliation: | Pibank is a brand of Intercredit Bank, N.A. |
| Better Business Bureau (BBB): | BBB Rating: A Not BBB Accredited |
| Branches: | None |
Calculate Savings for Pibank
Pibank Savings (APY: 4.60%)
Total savings breakdown:
- Interest earned: $1,817.2 (11.49%)
- Total contributions: $13,000 (82.19%)
- Initial deposit: $1,000 (6.32%)
Your total balance
$15,817.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. Axos Bank
Savings Account: Axos ONE
Top APY: 4.51%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.51% (rate verified Nov 15, 2025) |
| Note: | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Not required, but is the easiest way to earn the highest APY. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 35546) |
| Affiliation: | Holding company of Axos Financial, Inc. (NYSE: AX) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Axos Bank
Axos ONE (APY: 4.51%)
Total savings breakdown:
- Interest earned: $1,779.6 (11.28%)
- Total contributions: $13,000 (82.38%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,779.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. GO2bank
Savings Account: High Yield Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 15, 2025) |
| Note: | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to 5,000. Balances above that earn no interest. |
| Maintenance Fee: | $5 per month, unless you set up direct deposit |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Quarterly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 22653) |
| Affiliation: | GO2bank is a tradename of Green Dot Bank. |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (APY: 4.50%)
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,029.3 (6.85%)
- Total contributions: $13,000 (86.50%)
- Initial deposit: $1,000 (6.65%)
Your total balance
$15,029.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
💡 TIP: Use the filters on the page to easily narrow your search and find the account that best fits your needs.
Top No/Low Minimums & Fees Savings Account Rates
1. Pibank
Savings Account: Pibank Savings
Top APY: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.60% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 2.4/5 Google Play Rating: 1.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 25258) |
| Affiliation: | Pibank is a brand of Intercredit Bank, N.A. |
| Better Business Bureau (BBB): | BBB Rating: A Not BBB Accredited |
| Branches: | None |
Calculate Savings for Pibank
Pibank Savings (APY: 4.60%)
Total savings breakdown:
- Interest earned: $1,817.2 (11.49%)
- Total contributions: $13,000 (82.19%)
- Initial deposit: $1,000 (6.32%)
Your total balance
$15,817.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Note: | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.3/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Not available in Delaware. |
| Deposit Insurance: | FDIC (Cert: 16247) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (APY: 4.50%)
Total savings breakdown:
- Interest earned: $1,775.4 (11.25%)
- Total contributions: $13,000 (82.41%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,775.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Fitness Bank
Savings Account: Fitness Savings Account
Top APY: 4.45%
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.45% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.05% QoQ |
| Note: | This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 29510) |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Fitness Bank
Fitness Savings Account (APY: 4.45%)
Total savings breakdown:
- Interest earned: $1,754.6 (11.14%)
- Total contributions: $13,000 (82.52%)
- Initial deposit: $1,000 (6.35%)
Your total balance
$15,754.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. TIMBR
Savings Account: Premium Savings Account
Top APY: 4.40%
Minimum Deposit: $1,000
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.40% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: N/A Google Play Rating: N/A |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 58210) |
| Affiliation: | TIMBR is a division of Bridgewater Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for TIMBR
Premium Savings Account (APY: 4.40%)
Total savings breakdown:
- Interest earned: $1,733.7 (11.02%)
- Total contributions: $13,000 (82.63%)
- Initial deposit: $1,000 (6.36%)
Your total balance
$15,733.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. Newtek Bank
Savings Account: Personal High Yield Savings
Top APY: 4.35%
Minimum Deposit: $0.01
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.35% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.5/5 Google Play Rating: 4.2/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 18734) |
| Affiliation: | NewtekOne (NASDAQ: NEWT) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Newtek Bank
Personal High Yield Savings (APY: 4.35%)
Total savings breakdown:
- Interest earned: $1,712.9 (10.90%)
- Total contributions: $13,000 (82.73%)
- Initial deposit: $1,000 (6.36%)
Your total balance
$15,712.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
HYSAs with Top-Rated Apps
1. Varo Bank
Savings Account: High-Yield Savings Account
Top APY: 5.00%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
App Store Rating: 4.9/5Google Play Rating: 4.6/5| Feature | Details |
|---|---|
| APY: | 2.50% - 5.00% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. Min. $1,000/month |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 59190) |
| Affiliation: | Varo Money, Inc. |
| Better Business Bureau (BBB): | BBB Rating: A BBB Accredited |
| Branches: | None |
Calculate Savings for Varo Bank
High-Yield Savings Account (APY: 2.50% ⎼ 5.00%)
ℹ️You earn 5.00% on the first $5,000 and 2.50% on the rest.
Total savings breakdown:
- Interest earned: $1,561.3 (10.03%)
- Total contributions: $13,000 (83.54%)
- Initial deposit: $1,000 (6.43%)
Your total balance
$15,561.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Axos Bank
Savings Account: Axos ONE
Top APY: 4.51%
Minimum Deposit: $0
Minimum Balance for APY: $0
App Store Rating: 4.7/5Google Play Rating: 4.5/5| Feature | Details |
|---|---|
| APY: | 4.51% (rate verified Nov 15, 2025) |
| APY Trend: | ↗︎ +0.05% QoQ |
| Note: | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Bundled: | Yes |
| Direct Deposit Required: | No. Not required, but is the easiest way to earn the highest APY. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 35546) |
| Affiliation: | Holding company of Axos Financial, Inc. (NYSE: AX) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Axos Bank
Axos ONE (APY: 4.51%)
Total savings breakdown:
- Interest earned: $1,779.6 (11.28%)
- Total contributions: $13,000 (82.38%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,779.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. GO2bank
Savings Account: High Yield Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
App Store Rating: 4.8/5Google Play Rating: 4.5/5| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to 5,000. Balances above that earn no interest. |
| Maintenance Fee: | $5 per month, unless you set up direct deposit |
| Online Only: | Yes |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Quarterly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 22653) |
| Affiliation: | GO2bank is a tradename of Green Dot Bank. |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (APY: 4.50%)
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,029.3 (6.85%)
- Total contributions: $13,000 (86.50%)
- Initial deposit: $1,000 (6.65%)
Your total balance
$15,029.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. Newtek Bank
Savings Account: Personal High Yield Savings
Top APY: 4.35%
Minimum Deposit: $0.01
Minimum Balance for APY: $0.01
App Store Rating: 4.5/5Google Play Rating: 4.2/5| Feature | Details |
|---|---|
| APY: | 4.35% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 18734) |
| Affiliation: | NewtekOne (NASDAQ: NEWT) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Newtek Bank
Personal High Yield Savings (APY: 4.35%)
Total savings breakdown:
- Interest earned: $1,712.9 (10.90%)
- Total contributions: $13,000 (82.73%)
- Initial deposit: $1,000 (6.36%)
Your total balance
$15,712.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. SoFi Bank
Savings Account: SoFi Savings
Top APY: 4.30%
Minimum Deposit: $0
Minimum Balance for APY: $0
App Store Rating: 4.8/5Google Play Rating: 4.1/5| Feature | Details |
|---|---|
| APY: | 4.30% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.20% WoW/+0.50% QoQ |
| Note: | Limited offer: you can earn a 0.70% APY boost for 6 months, making the total APY 4.30%. This requires either a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Bundled: | Yes |
| Direct Deposit Required: | No. Without direct deposit or "Qualifying Deposits" the APY will be significantly lower |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26881) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for SoFi Bank
SoFi Savings (APY: 4.30%)
Total savings breakdown:
- Interest earned: $1,692.2 (10.78%)
- Total contributions: $13,000 (82.84%)
- Initial deposit: $1,000 (6.37%)
Your total balance
$15,692.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Savings Account Rates with In-Person Access
1. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Columbia, Missouri
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Note: | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 3.3/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | Not available in Delaware. |
| Deposit Insurance: | FDIC (Cert: 16247) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (APY: 4.50%)
Total savings breakdown:
- Interest earned: $1,775.4 (11.25%)
- Total contributions: $13,000 (82.41%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,775.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.25%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
Branches: 10 locations in Maryland, Virginia and Washington D.C.
| Feature | Details |
|---|---|
| APY: | 3.75% - 4.25% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.25% MoM |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.1/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32363) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A- Not BBB Accredited |
| Branches: | 10 locations in Maryland, Virginia and Washington D.C. |
Calculate Savings for Presidential Bank
Advantage Savings (APY: 3.75% ⎼ 4.25%)
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. MutualOne Bank
Savings Account: Mo Premium Savings
Top APY: 4.07%
Minimum Deposit: $20,000
Minimum Balance for APY: $20,000
Branches: Full-service banking offices in Framingham, MA, and Natick, MA
| Feature | Details |
|---|---|
| APY: | 4.07% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26395) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | Full-service banking offices in Framingham, MA, and Natick, MA |
Calculate Savings for MutualOne Bank
Mo Premium Savings (APY: 4.07%)
Total savings breakdown:
- Interest earned: $5,791.2 (14.93%)
- Total contributions: $13,000 (33.51%)
- Initial deposit: $20,000 (51.56%)
Your total balance
$38,791.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. Prime Alliance Bank
Savings Account: Personal Savings
Top APY: 3.90%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Utah
| Feature | Details |
|---|---|
| APY: | 3.90% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.15% QoQ |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 5.0/5 Google Play Rating: 3.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57920) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
| Branches: | One location in Utah |
Calculate Savings for Prime Alliance Bank
Personal Savings (APY: 3.90%)
Total savings breakdown:
- Interest earned: $1,526.9 (9.83%)
- Total contributions: $13,000 (83.73%)
- Initial deposit: $1,000 (6.44%)
Your total balance
$15,526.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. High Plains Bank
Savings Account: High Yield Savings Account
Top APY: 3.82%
Minimum Deposit: $25
Minimum Balance for APY: $500,000
Branches: 5 locations in Colorado
| Feature | Details |
|---|---|
| APY: | 0.23% - 3.82% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 3017) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
| Branches: | 5 locations in Colorado |
Calculate Savings for High Plains Bank
High Yield Savings Account (APY: 0.23% ⎼ 3.82%)
⚠️ The minimum balance for the higher APY on this account is $500,000.
Total savings breakdown:
- Interest earned: $85.9 (0.61%)
- Total contributions: $13,000 (92.29%)
- Initial deposit: $1,000 (7.10%)
Your total balance
$14,085.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Savings & Checking Account Combos
1. Varo Bank
Savings Account: High-Yield Savings Account
Top APY: 5.00%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 2.50% - 5.00% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.6/5 |
| Bundled: | Yes |
| Direct Deposit Required: | Yes. Min. $1,000/month |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 59190) |
| Affiliation: | Varo Money, Inc. |
| Better Business Bureau (BBB): | BBB Rating: A BBB Accredited |
| Branches: | None |
Calculate Savings for Varo Bank
High-Yield Savings Account (APY: 2.50% ⎼ 5.00%)
ℹ️You earn 5.00% on the first $5,000 and 2.50% on the rest.
Total savings breakdown:
- Interest earned: $1,561.3 (10.03%)
- Total contributions: $13,000 (83.54%)
- Initial deposit: $1,000 (6.43%)
Your total balance
$15,561.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
2. Fitness Bank
Savings Account: Fitness Elite Checking & Fitness Savings Combo
Top APY: 4.75%
Minimum Deposit: $100
Minimum Balance for APY: $100
| Feature | Details |
|---|---|
| APY: | 4.75% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.10% QoQ |
| Note: | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Maintenance Fee: | $10. Waived for average daily balances > $100 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 1.7/5 Google Play Rating: N/A |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 29510) |
| Affiliation: | FitnessBank is a division of Affinity Bank (formerly Atlanta Business Bank). Newton Federal is also a division of Affinity Bank and the same company. Affinity Bancshares INC (Nasdaq: AFBI) serves as the holding company |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Fitness Bank
Fitness Elite Checking & Fitness Savings Combo (APY: 4.75%)
Total savings breakdown:
- Interest earned: $1,880.1 (11.84%)
- Total contributions: $13,000 (81.86%)
- Initial deposit: $1,000 (6.30%)
Your total balance
$15,880.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. Axos Bank
Savings Account: Axos ONE
Top APY: 4.51%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.51% (rate verified Nov 15, 2025) |
| APY Trend: | ↗︎ +0.05% QoQ |
| Note: | This APY is only available with the Axos ONE savings and checking bundle. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Not required, but is the easiest way to earn the highest APY. |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 35546) |
| Affiliation: | Holding company of Axos Financial, Inc. (NYSE: AX) |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | None |
Calculate Savings for Axos Bank
Axos ONE (APY: 4.51%)
Total savings breakdown:
- Interest earned: $1,779.6 (11.28%)
- Total contributions: $13,000 (82.38%)
- Initial deposit: $1,000 (6.34%)
Your total balance
$15,779.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. GO2bank
Savings Account: High Yield Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Nov 15, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to 5,000. Balances above that earn no interest. |
| Maintenance Fee: | $5 per month, unless you set up direct deposit |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Quarterly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 22653) |
| Affiliation: | GO2bank is a tradename of Green Dot Bank. |
| Better Business Bureau (BBB): | BBB Rating: Not Rated Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (APY: 4.50%)
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,029.3 (6.85%)
- Total contributions: $13,000 (86.50%)
- Initial deposit: $1,000 (6.65%)
Your total balance
$15,029.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. SoFi Bank
Savings Account: SoFi Savings
Top APY: 4.30%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.30% (rate verified Nov 15, 2025) |
| APY Trend: | ↘︎ -0.20% WoW/+0.50% QoQ |
| Note: | Limited offer: you can earn a 0.70% APY boost for 6 months, making the total APY 4.30%. This requires either a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.1/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No. Without direct deposit or "Qualifying Deposits" the APY will be significantly lower |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 26881) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for SoFi Bank
SoFi Savings (APY: 4.30%)
Total savings breakdown:
- Interest earned: $1,692.2 (10.78%)
- Total contributions: $13,000 (82.84%)
- Initial deposit: $1,000 (6.37%)
Your total balance
$15,692.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.