Compare High-Yield Savings Accounts
Quickly spot today's best high-yield savings rates and see which accounts actually fit your needs.
As of Wednesday, October 1, 2025, the top FDIC-insured rate we track is 5.00% APY.Banksparency Recommends - Compare APYs, but look beyond them: confirm FDIC insurance, watch out for fees and minimum balance requirements, and pick the bank whose app and products match your needs.
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 44 banks offer savings accounts of 4.00% APY or higher, compared to the national average of 0.4% (according to the FDIC, as of 9/15/2025).
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, 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 Oct 1, 2025) |
| Note: | Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. Direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.6/5 |
| Bundled: | No |
| 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 Oct 1, 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+ |
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. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.60% (rate verified Oct 1, 2025) |
| Note: | Balances up to $250,000 earn 4.60% 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: 4.3/5 |
| 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+ Not BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (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. 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 Oct 1, 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.
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 Oct 1, 2025) |
| Note: | 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: 4.6/5 |
| Bundled: | No |
| 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: F Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (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.
💡 TIP: Use the filters on the page to easily narrow your search and find the account that best fits your needs.
Top "No-Fuss" Savings Account Rates
1. Neighbors Bank
Savings Account: Neighbors Savings Account
Top APY: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.60% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Balances up to $250,000 earn 4.60% 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: 4.3/5 |
| 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+ Not BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (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. 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 Oct 1, 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.
3. 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 Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | 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: 4.6/5 |
| Bundled: | No |
| 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: F Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (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.
4. 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 Oct 1, 2025) |
| APY Trend: | ↘︎ -0.05% MoM/-0.10% 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+ |
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.
5. Newtek Bank
Savings Account: Personal High Yield Savings
Top APY: 4.35%
Minimum Deposit: $0
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.35% (rate verified Oct 1, 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 Oct 1, 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. Direct deposit required. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Bundled: | No |
| 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. 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: 4.6/5| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | 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: | No |
| 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: F Not BBB Accredited |
Calculate Savings for GO2bank
High Yield Savings (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. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
App Store Rating: 4.8/5Google Play Rating: 4.2/5| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| 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: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
4. SoFi Bank
Savings Account: SoFi Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
App Store Rating: 4.8/5Google Play Rating: 4.3/5| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | ↗︎ +0.70% MoM |
| Note: | Limited offer: you can earn a 0.70% APY boost for 6 months, making the total APY 4.50%. 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+ |
Calculate Savings for SoFi Bank
SoFi Savings (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.
5. Axos Bank
Savings Account: Axos ONE
Top APY: 4.46%
Minimum Deposit: $0
Minimum Balance for APY: $0
App Store Rating: 4.7/5Google Play Rating: 4.5/5| Feature | Details |
|---|---|
| APY: | 4.46% (rate verified Oct 1, 2025) |
| APY Trend: | ↘︎ -0.20% 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: 4.46%)
Total savings breakdown:
- Interest earned: $1,758.7 (11.16%)
- Total contributions: $13,000 (82.49%)
- Initial deposit: $1,000 (6.35%)
Your total balance
$15,758.70
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: 4.60%
Minimum Deposit: $0
Minimum Balance for APY: $0
Branches: One location in Columbia, Missouri
| Feature | Details |
|---|---|
| APY: | 4.60% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Note: | Balances up to $250,000 earn 4.60% 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: 4.3/5 |
| 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+ Not BBB Accredited |
| Branches: | One location in Columbia, Missouri |
Calculate Savings for Neighbors Bank
Neighbors Savings Account (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. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
Branches: 10 locations in Maryland, Virginia and Washington D.C.
| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| 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: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
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 Oct 1, 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 Oct 1, 2025) |
| APY Trend: | ↘︎ -0.15% WoW |
| 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. ConnectOne Bank
Savings Account: Connection Plus Savings
Top APY: 3.85%
Minimum Deposit: $2,500
Minimum Balance for APY: $250,000
Branches: Locations in New Jersey, New York and Florida
| Feature | Details |
|---|---|
| APY: | 3.85% (rate verified Oct 1, 2025) |
| APY Trend: | ↗︎ +0.10% WoW/-0.15% MoM |
| Note: | Tiered account, where minimum balance over $250,000 may earn you a slightly higher APY. |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.5/5 Google Play Rating: 3.5/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57919) |
| Affiliation: | N/A |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | Locations in New Jersey, New York and Florida |
Calculate Savings for ConnectOne Bank
Connection Plus Savings (APY: 3.85%)
⚠️ The minimum balance for APY on this account is $250,000.
Total savings breakdown:
- Interest earned: $1,818.2 (10.50%)
- Total contributions: $13,000 (75.07%)
- Initial deposit: $2,500 (14.44%)
Your total balance
$17,318.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Savings & Checking Account Combos
1. 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 Oct 1, 2025) |
| APY Trend: | ↘︎ -0.10% MoM/-0.25% 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+ |
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.
2. Presidential Bank
Savings Account: Advantage Savings
Top APY: 4.50%
Minimum Deposit: $5,000
Minimum Balance for APY: N/A
| Feature | Details |
|---|---|
| APY: | 4.00% - 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | → Stable for the last quarter |
| Maintenance Fee: | $0 |
| Online Only: | No |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.2/5 |
| 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: 4.00% ⎼ 4.50%)
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
3. SoFi Bank
Savings Account: SoFi Savings
Top APY: 4.50%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.50% (rate verified Oct 1, 2025) |
| APY Trend: | ↗︎ +0.70% MoM |
| Note: | Limited offer: you can earn a 0.70% APY boost for 6 months, making the total APY 4.50%. 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: 4.3/5 |
| 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+ |
Calculate Savings for SoFi Bank
SoFi Savings (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.
4. Axos Bank
Savings Account: Axos ONE
Top APY: 4.46%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.46% (rate verified Oct 1, 2025) |
| APY Trend: | ↘︎ -0.20% 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: 4.46%)
Total savings breakdown:
- Interest earned: $1,758.7 (11.16%)
- Total contributions: $13,000 (82.49%)
- Initial deposit: $1,000 (6.35%)
Your total balance
$15,758.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
5. ROGER
Savings Account: ROGER Savings
Top APY: 3.87%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 3.87% (rate verified Oct 1, 2025) |
| APY Trend: | ↘︎ -0.25% WoW |
| Note: | The 3.87% APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.9/5 Google Play Rating: 4.5/5 |
| Bundled: | Yes |
| Direct Deposit Required: | No |
| Compound Freq.: | Monthly |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 4084) |
| Affiliation: | ROGER is a registered trademark of Citizens Bank of Edmond |
| Better Business Bureau (BBB): | BBB Rating: A+ |
Calculate Savings for ROGER
ROGER Savings (APY: 3.87%)
Total savings breakdown:
- Interest earned: $1,514.6 (9.76%)
- Total contributions: $13,000 (83.79%)
- Initial deposit: $1,000 (6.45%)
Your total balance
$15,514.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.