Find a High-Yield Savings Account That Fits Your Balance

By Aviel Fahl

Last Updated: December 12, 2025

Today's Top 10 Rates:4.30-5.00% APY|FDIC Insured
FDIC Average 0.40% (as per Nov 17, 2025)

Find Your Perfect Savings Account

Ordered by highest APY. Filter 91 HYSAs by balance, minimum deposit & balances, mobile app ratings, branch access, and more to find the right account.

Rates verified: Friday, December 12, 2025

#1

Varo Bank

High-Yield Savings Account

Up to
5.00%
APY
Dec 12, 2025
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 2.50% – 5.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (Min. $1,000/month)
Deposit InsuranceFDIC Insured(Cert: 59190)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.6
BBB Rating
A(BBB Accredited)

Important Note

Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#2

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo

4.75%
APY
Dec 12, 2025
FDIC InsuredChecking BundleLow Minimums
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10. Waived for average daily balances > $100
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29510)
EligibilityUnited States
Mobile Ratings
iOS:1.70
BBB Rating
A+(Not BBB Accredited)

Important 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.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#3

Pibank

Pibank Savings

4.60%
APY
Dec 12, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#4

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 12, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important 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.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#5

Fitness Bank

Fitness Savings Account

4.45%
APY
Dec 12, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10. Waived for average daily balances > $100
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29510)
EligibilityUnited States
Mobile Ratings
iOS:1.70
BBB Rating
A+(Not BBB Accredited)

Important 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.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#6

TIMBR

Premium Savings Account

4.40%
APY
Dec 12, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58210)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#7

Newtek Bank

Personal High Yield Savings

4.35%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18734)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.2
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#8

Axos Bank

Axos ONE

4.31%
APY
Dec 12, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required, but is the easiest way to earn the highest APY.
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited)

Important Note

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. 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.

Rate Stability

30 days
↘︎ 0.20%
90 days
↘︎ 0.15%
Sponsored LinkOpen Account

at Axos Bank, Member FDIC

Read Bank Overview
#9

Neighbors Bank

Neighbors Savings Account

4.30%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch AccessOne location in Columbia, Missouri
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Mobile Ratings
iOS:3.3Android:4.4
BBB Rating
A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.

Rate Stability

7 days
↘︎ 0.20%
90 days
↘︎ 0.30%
Read Bank Overview
#10

SoFi Bank

SoFi Savings

Up to
4.30%
APY
Dec 12, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS App
Range: 3.60% – 4.30%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositWhile direct deposit is not required, the alternative is a subscription fee of $10/month
Deposit InsuranceFDIC Insured(Cert: 26881)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
A+(Not BBB Accredited)

Important Note

Limited offer: The 4.30% includes a temporary 0.70% APY boost for 6 months. It is available with 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 with a 0.50% APY.

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Read Bank Overview
#11

Ivy Bank

High-Yield Savings Account

Up to
4.25%
APY
Dec 12, 2025
FDIC InsuredMod. MinimumGreat iOS App
Range: 0.05% – 4.25%
Show Fine Print & Trends
Min. Deposit$2,500
Min. Balance$2,500
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17870)
EligibilityResidents of California and U.S. Territories (except District of Columbia) are ineligible to apply.
Mobile Ratings
iOS:4.7Android:3.5
BBB Rating
A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 30 days
Read Bank Overview
#12

Climate First Bank

Super Duper Savings Account

4.21%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqN/A
Direct DepositNot required
Branch Access3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit InsuranceFDIC Insured(Cert: 59257)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.4
BBB Rating
A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days
Read Bank Overview
#13

Openbank

High-Yield Savings Account

4.20%
APY
Dec 12, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29950)
EligibilityUnited States
Mobile Ratings
iOS:3.1Android:3.1
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#14

Peak Bank

Envision High Yield Savings

4.20%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58095)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
Read Bank Overview
#15

Vio Bank

Online Savings Account

4.16%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4063)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:3.4
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.05%
Since 30 days ago
Read Bank Overview
#16

Wealthfront

Cash Account

Up to
4.15%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Range: 3.50% – 4.15%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.9
BBB Rating
F(Not BBB Accredited)

Important Note

Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront.

Rate Stability

StableNo rate changes in last 30 days
Read Bank Overview
#17

Bread Savings

High-Yield Savings Account

4.10%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

30 days
↘︎ 0.10%
90 days
↘︎ 0.15%
Read Bank Overview
#18

Elevault

High Yield Savings Account

4.08%
APY
Dec 12, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1528)
EligibilityUnited States
Mobile Ratings
iOS:3.7Android:3.9
BBB Rating
A+(Not BBB Accredited)

Important Note

The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.

Rate Stability

Rate Adjusted
-0.52%
Since 90 days ago
Read Bank Overview
#19

MutualOne Bank

Mo Premium Savings

4.07%
APY
Dec 12, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$20,000
Min. Balance$20,000
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessFull-service banking offices in Framingham, MA, and Natick, MA
Deposit InsuranceFDIC Insured(Cert: 26395)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.4
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#20

Colorado Federal Savings Bank

Premier Savings

4.05%
APY
Dec 12, 2025
FDIC InsuredHigh MinimumGreat iOS App
Show Fine Print & Trends
Min. Deposit$50,000
Min. Balance$50,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33111)
EligibilityUnited States
Mobile Ratings
iOS:4.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview
#21

EverBank

Performance Savings

4.05%
APY
Dec 12, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34775)
EligibilityUnited States
Mobile Ratings
iOS:2.3Android:1.4
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#22

Jenius Bank

Jenius Savings

4.05%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18618)
EligibilityUnited States
Mobile Ratings
iOS:4.0Android:3.7
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
Read Bank Overview
#23

Zynlo Bank

Tomorrow Savings Account

4.05%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90213)
EligibilityUnited States
Mobile Ratings
iOS:4.0Android:3.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.30%
Read Bank Overview
#24

My Banking Direct

High Yield Savings Account

4.02%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32541)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.4
BBB Rating
F(Not BBB Accredited (Information provided is for Flagstar Bank))

Rate Stability

30 days
↘︎ 0.09%
90 days
↘︎ 0.28%
Read Bank Overview
#25

Barclays

Tiered Savings

Up to
4.00%
APY
Dec 12, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App
Range: 3.85% – 4.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.7
BBB Rating
A+(BBB Accredited)

Important Note

The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.

Rate Stability

Rate Adjusted
-0.10%
Since 30 days ago
Read Bank Overview
#26

Carver Bank

High Yield Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$5,000
Maintenance Fee$0, of minimum balance requirement met. Otherwise $6.
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30394)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#27

Colorado Federal Savings Bank

High Yield Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33111)
EligibilityUnited States
Mobile Ratings
iOS:4.5
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview
#28

First Foundation Bank

Online Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58647)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:4.1
BBB Rating
A(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#29

Forbright Bank

Growth Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#30

LendingClub

LevelUp Savings

Up to
4.00%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Range: 3.00% – 4.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32551)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(Not BBB Accredited)

Important Note

The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies.

Rate Stability

Rate Adjusted
-0.20%
Since 7 days ago
Read Bank Overview
#31

Poppy Bank

Poppy Premier Online Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57903)
EligibilityUnited States
Mobile Ratings
iOS:4.4Android:3.8
BBB Rating
A-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#32

Popular Direct

Popular Direct Select Savings

4.00%
APY
Dec 12, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34967)
EligibilityUnited States
Mobile Ratings
iOS:1.3Android:1.3
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview
#33

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 12, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
Read Bank Overview
#34

Valley Direct

High-Yield Savings Account

Up to
4.00%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Range: 3.40% – 4.00%
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9396)
EligibilityThe advertised rate is restricted to new customers. Existing Valley Bank or Valley Direct customers may this savings account with a somewhat lower rate.
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
A+(Not BBB Accredited)

Important Note

Promo rate for new customers. 3.40% APY applies to existing customers.

Rate Stability

7 days
↘︎ 0.10%
90 days
↘︎ 0.30%
Read Bank Overview
#35

Bask Bank

Interest Savings Account

3.90%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34383)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.6
BBB Rating
B(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#36

Live Oak Bank

Personal Savings

3.90%
APY
Dec 12, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58665)
EligibilityUnited States
Mobile Ratings
iOS:2.5Android:3.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview
#37

Prime Alliance Bank

Personal Savings

3.90%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOne location in Utah
Deposit InsuranceFDIC Insured(Cert: 57920)
EligibilityUnited States
Mobile Ratings
iOS:5.0Android:3.8
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
Read Bank Overview
#38

Sallie Mae Bank

High-Yield Savings Account

3.90%
APY
Dec 12, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Mobile Ratings
iOS:1.5Android:1.6
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#39

SmartyPig

SmartyPig Account

3.90%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:2.7
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#40

Western Alliance Bank

High-Yield Savings Premier

3.90%
APY
Dec 12, 2025
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57512)
EligibilityUnited States
Mobile Ratings
iOS:1.4Android:2.4
BBB Rating
A-(Not BBB Accredited (Information provided is for Alliance Association Bank, a trade name of Western Alliance Bank))

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.35%
Read Bank Overview
#41

ROGER

ROGER Savings

3.87%
APY
Dec 12, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4084)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
A+(Not BBB Accredited)

Important 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.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview
#42

Bank5 Connect

Jumbo Savings

3.85%
APY
Dec 12, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$25,000
Min. Balance$25,000
Maintenance Fee$0, if receiving eStatements. Otherwise $1 per statement.
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23286)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.2
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Read Bank Overview
#43

FVCbank

Advantage Direct Savings

3.85%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58696)
EligibilityUnited States
Mobile Ratings
iOS:4.4Android:3.6
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview
#44

Primis Bank

Primis Savings Account

3.85%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57968)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:4.8
BBB Rating
A+(Not BBB Accredited)

Important Note

Primis deposit accounts are not available in Puerto Rico or other US territories.

Rate Stability

Rate Adjusted
-0.35%
Since 90 days ago
Read Bank Overview
#45

High Plains Bank

High Yield Savings Account

Up to
3.82%
APY
Dec 12, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person Access
Range: 0.23% – 3.82%
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$500,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch Access5 locations in Colorado
Deposit InsuranceFDIC Insured(Cert: 3017)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview
#46

TAB Bank

TAB Save

3.80%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34781)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.3
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.35%
Since 90 days ago
Read Bank Overview
#47

CIBC Bank USA

Agility™ High-Interest Savings Account

3.77%
APY
Dec 12, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33306)
EligibilityUnited States
Mobile Ratings
iOS:4.2Android:2.6
BBB Rating
A+(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.25%
Read Bank Overview
#48

Axos Bank

Summit Savings

3.75%
APY
Dec 12, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.5
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 7 days ago
Read Bank Overview
#49

BrioDirect

High-Yield Savings Account

3.75%
APY
Dec 12, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.3
BBB Rating
B-(Not BBB Accredited)

Rate Stability

7 days
↘︎ 0.25%
90 days
↘︎ 0.55%
Read Bank Overview
#50

CIT Bank

Platinum Savings

Up to
3.75%
APY
Dec 12, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Range: 0.25% – 3.75%
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$5,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11063)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A-(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company))

Rate Stability

30 days
↘︎ 0.10%
90 days
↘︎ 0.25%
Read Bank Overview