Best Savings Rates (HYSAs) Ranked by APY
Compare high-yield savings accounts (HYSAs) with the highest rates:
- ✅ FDIC-insured banks ranked solely by Annual Percentage Yield (APY)
- 📈 Top-20 savings rates from 4.20% APY to 5.00% APY, as of October 6, 2025
- 🔎 Easy-to-use filters to help find your ideal savings account among 82 listed HYSAs.
The highest nationally-available savings rate as of October 6, 2025 is 5.00% APY from Varo Bank, followed by Fitness Bank at 4.75% APY, and Neighbors Bank at 4.60% APY. All accounts listed below are FDIC-insured.
Top 20 High-Yield Savings Account Rates
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TIP: Use the drop-down filters above to narrow the selection.
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 6, 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 6, 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 6, 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 6, 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. 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 Oct 6, 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.
6. 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 6, 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%)
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.
7. 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 6, 2025) |
| 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.
8. 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 6, 2025) |
| 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.
9. 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 6, 2025) |
| 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.
10. 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 Oct 6, 2025) |
| 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.
11. 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 6, 2025) |
| 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.
12. Zynlo Bank
Savings Account: Tomorrow Savings Account
Top APY: 4.35%
Minimum Deposit: $10
Minimum Balance for APY: $0.01
| Feature | Details |
|---|---|
| APY: | 4.35% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.0/5 Google Play Rating: 3.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 90213) |
| Affiliation: | ZYNLO® is a registered trademark of PeoplesBank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Zynlo Bank
Tomorrow Savings Account (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.
13. Elevault
Savings Account: High Yield Savings Account
Top APY: 4.34%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.34% (rate verified Oct 6, 2025) |
| Note: | The 4.34% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500. |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 3.8/5 Google Play Rating: 3.9/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 1528) |
| Affiliation: | Elevault is a product by Southern Bancorp Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
Calculate Savings for Elevault
High Yield Savings Account (APY: 4.34%)
Total savings breakdown:
- Interest earned: $1,708.8 (10.88%)
- Total contributions: $13,000 (82.76%)
- Initial deposit: $1,000 (6.37%)
Your total balance
$15,708.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
14. BrioDirect
Savings Account: High-Yield Savings Account
Top APY: 4.30%
Minimum Deposit: $5,000
Minimum Balance for APY: $25
| Feature | Details |
|---|---|
| APY: | 4.30% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.3/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 18221) |
| Affiliation: | BrioDirect is the online brand of Webster Bank, N.A. (its holding company Webster Financial Corporation has been assigned this ticker symbol NYSE:WBS), and opening an account with BrioDirect will make you a Webster Bank client. |
| Better Business Bureau (BBB): | BBB Rating: B- Not BBB Accredited |
| Branches: | None. You cannot make use of Webster Bank's branches. |
Calculate Savings for BrioDirect
High-Yield Savings Account (APY: 4.30%)
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
15. Bread Savings
Savings Account: High-Yield Savings Account
Top APY: 4.25%
Minimum Deposit: $100
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.25% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57570) |
| Affiliation: | Bread Financial Holdings, Inc. (NYSE: BFH), until 2022 known as Alliance Data Systems Corporation. All deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank and a Bread Financial company. |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited (Comenity Capital Bank) |
| Branches: | None |
Calculate Savings for Bread Savings
High-Yield Savings Account (APY: 4.25%)
Total savings breakdown:
- Interest earned: $1,671.4 (10.67%)
- Total contributions: $13,000 (82.95%)
- Initial deposit: $1,000 (6.38%)
Your total balance
$15,671.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
16. Forbright Bank
Savings Account: Growth Savings
Top APY: 4.25%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.25% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.8/5 Google Play Rating: 4.7/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57614) |
| Affiliation: | Forbright Bank was rebranded from Congressional Bank, Member FDIC, effective January 19, 2022 |
| Better Business Bureau (BBB): | BBB Rating: A+ BBB Accredited |
| Branches: | Locations in the Washington D.C. area (Maryland and Virginia) |
Calculate Savings for Forbright Bank
Growth Savings (APY: 4.25%)
Total savings breakdown:
- Interest earned: $1,671.4 (10.67%)
- Total contributions: $13,000 (82.95%)
- Initial deposit: $1,000 (6.38%)
Your total balance
$15,671.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
17. Poppy Bank
Savings Account: Poppy Premier Online Savings
Top APY: 4.25%
Minimum Deposit: $1,000
Minimum Balance for APY: $1,000
| Feature | Details |
|---|---|
| APY: | 4.25% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0, if electronic statements selected, otherwise $5 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.3/5 Google Play Rating: 3.8/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 57903) |
| Affiliation: | Formerly First Community Bank. |
| Better Business Bureau (BBB): | BBB Rating: A- Not BBB Accredited |
| Branches: | Branches in California |
Calculate Savings for Poppy Bank
Poppy Premier Online Savings (APY: 4.25%)
Total savings breakdown:
- Interest earned: $1,671.4 (10.67%)
- Total contributions: $13,000 (82.95%)
- Initial deposit: $1,000 (6.38%)
Your total balance
$15,671.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
18. Jenius Bank
Savings Account: Jenius Savings
Top APY: 4.20%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 4.20% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.1/5 Google Play Rating: 3.7/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 18618) |
| Affiliation: | Jenus Bank is the digital banking division of SMBC MANUBANK and a member of the Sumitomo Mitsui Banking Corporation, Inc., initialed SMBC Group (NYSE: SMFG). |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited |
| Branches: | None |
Calculate Savings for Jenius Bank
Jenius Savings (APY: 4.20%)
Total savings breakdown:
- Interest earned: $1,650.7 (10.55%)
- Total contributions: $13,000 (83.06%)
- Initial deposit: $1,000 (6.39%)
Your total balance
$15,650.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
19. LendingClub
Savings Account: LevelUp Savings
Top APY: 4.20%
Minimum Deposit: $0
Minimum Balance for APY: $0
| Feature | Details |
|---|---|
| APY: | 3.20% - 4.20% (rate verified Oct 6, 2025) |
| Note: | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
| Maintenance Fee: | $0 |
| 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.: | Daily |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32551) |
| Affiliation: | LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited. |
| Branches: | None |
Calculate Savings for LendingClub
LevelUp Savings (APY: 3.20% ⎼ 4.20%)
Total savings breakdown:
- Interest earned: $1,650.7 (10.55%)
- Total contributions: $13,000 (83.06%)
- Initial deposit: $1,000 (6.39%)
Your total balance
$15,650.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
20. My Banking Direct
Savings Account: High Yield Savings Account
Top APY: 4.20%
Minimum Deposit: $500
Minimum Balance for APY: $1
| Feature | Details |
|---|---|
| APY: | 4.20% (rate verified Oct 6, 2025) |
| Maintenance Fee: | $0 |
| Online Only: | Yes |
| Mobile Apps: | App Store Rating: 4.7/5 Google Play Rating: 4.4/5 |
| Bundled: | No |
| Direct Deposit Required: | No |
| Compound Freq.: | N/A |
| Eligibility: | United States |
| Deposit Insurance: | FDIC (Cert: 32541) |
| Affiliation: | My Banking Direct is a service of Flagstar Bank N.A. (subsidiary of Flagstar Financial, Inc., formerly New York Community Bancorp, Inc., dating back to 1859) |
| Better Business Bureau (BBB): | BBB Rating: A+ Not BBB Accredited. |
| Branches: | None. You cannot make use of Flagstar Bank's branches. |
Calculate Savings for My Banking Direct
High Yield Savings Account (APY: 4.20%)
Total savings breakdown:
- Interest earned: $1,650.7 (10.55%)
- Total contributions: $13,000 (83.06%)
- Initial deposit: $1,000 (6.39%)
Your total balance
$15,650.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.