Best Savings Rates

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 4.30% APY to 5.00% APY, as of August 15, 2025
  • 🔎 Easy-to-use filters to help find your ideal savings account among 80 listed HYSAs.

The highest nationally-available savings rate today (August 15, 2025) is 5.00% APY from Varo Bank, followed by Fitness Bank at 4.85% APY, and Elevault at 4.60% APY. All accounts listed below are FDIC-insured.

Top 20 Savings Rates

We earn a commission if you open an account through some links on this page.

TIP: Use the drop-down filters above to narrow the selection.

1. Varo Bank

Savings Account: High-Yield Savings Account

Top APY: 5.00%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0.01

2. Fitness Bank

Savings Account: Fitness Elite Checking & Fitness Savings Combo

Top APY: 4.85%

APY Trend: ↘︎ -0.15% MoM

Minimum Deposit: $100

Minimum Balance for APY: $100

3. Elevault

Savings Account: High Yield Savings Account

Top APY: 4.60%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0

4. Neighbors Bank

Savings Account: Neighbors Savings Account

Top APY: 4.60%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0

5. Pibank

Savings Account: Pibank Savings

Top APY: 4.60%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0.01

6. Fitness Bank

Savings Account: Fitness Savings Account

Top APY: 4.50%

APY Trend: ↘︎ -0.05% MoM

Minimum Deposit: $100

Minimum Balance for APY: $100

7. GO2bank

Savings Account: High Yield Savings

Top APY: 4.50%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0

8. Presidential Bank

Savings Account: Advantage Savings

Top APY: 4.50%

APY Trend: Stable for the last quarter

Minimum Deposit: $5,000

Minimum Balance for APY: N/A

9. Axos Bank

Savings Account: Axos ONE

Top APY: 4.46%

APY Trend: ↘︎ -0.20% MoM

Minimum Deposit: $0

Minimum Balance for APY: $0

10. TIMBR

Savings Account: Premium Savings Account

Top APY: 4.40%

APY Trend: Stable for the last quarter

Minimum Deposit: $1,000

Minimum Balance for APY: $0

11. FVCbank

Savings Account: Advantage Direct Savings

Top APY: 4.35%

APY Trend: ↘︎ -0.10% QoQ

Minimum Deposit: $500

Minimum Balance for APY: $500

12. Newtek Bank

Savings Account: Personal High Yield Savings

Top APY: 4.35%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0.01

13. Peak Bank

Savings Account: Envision High Yield Savings

Top APY: 4.35%

APY Trend: ↘︎ -0.09% MoM

Minimum Deposit: $100

Minimum Balance for APY: N/A

14. Zynlo Bank

Savings Account: Tomorrow Savings Account

Top APY: 4.35%

APY Trend: Stable for the last quarter

Minimum Deposit: $10

Minimum Balance for APY: $0.01

15. BrioDirect

Savings Account: High-Yield Savings Account

Top APY: 4.30%

APY Trend: ↘︎ -0.05% QoQ

Minimum Deposit: $5,000

Minimum Balance for APY: $25

16. EverBank

Savings Account: Performance Savings

Top APY: 4.30%

APY Trend: Stable for the last quarter

Minimum Deposit: $0

Minimum Balance for APY: $0

17. My Banking Direct

Savings Account: High Yield Savings Account

Top APY: 4.30%

APY Trend: ↘︎ -0.10% QoQ

Minimum Deposit: $500

Minimum Balance for APY: $1

18. Rising Bank

Savings Account: High-Yield Savings Account

Top APY: 4.30%

APY Trend: Stable for the last quarter

Minimum Deposit: $1,000

Minimum Balance for APY: $1,000

19. Valley Direct

Savings Account: High-Yield Savings Account

Top APY: 4.30%

APY Trend: ↘︎ -0.10% QoQ

Minimum Deposit: $1000

Minimum Balance for APY: $0.01

20. Western Alliance Bank

Savings Account: High-Yield Savings Premier

Top APY: 4.30%

APY Trend: ↗︎ +0.05% MoM

Minimum Deposit: $500

Minimum Balance for APY: $0