Highest Savings Rates in District of Columbia
15 District of Columbia-specific accounts
Top District of Columbia Rate:4.00% APYFDIC or NCUA Insured
The District of Columbia market
District of Columbia accounts
15
Institutions
10
Top District of Columbia APY
4.00% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
15 savings accounts are open only to District of Columbia residents, from 10 institutions. The highest advertised APY among them is 4.00%.
The highest nationally available rate is 5.00% APY, 100 basis points above the District of Columbia leader.
8 of the 15 District of Columbia savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
District of Columbia-Specific Savings Accounts
These savings accounts are specifically available to District of Columbia residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #2 | Forbright Bank Sprout Savings Up to3.46%APY On the first $9,999.99 · 0.80% above No min. balance for APY Observed: Oct 13, 2026 Show Details | +$346per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $1 | |
| #3 | Show Details | +$235per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1,000 | |
| #4 | Show Details | +$193per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #6 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #7 | Show Details | +$20per yearEffective: 0.20% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #8 | Show Details | +$15per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #10 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #11 | Show Details | +$4per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #12 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #13 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #14 | Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 | |
| #15 | TD Bank TD Signature Savings Up to2.50%APY Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account Min. balance: $250,000 Observed: Oct 13, 2026 Show Details | +$1per yearEffective: 0.01% | Deposit Insurance FDIC InsuredRequires High MinimumLinked Account Features Great iOS AppGreat Android AppIn-Person Access | $0 |
#1
EagleBank
Eagle High-Yield Savings Account
+$400
per year
4.00% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
There is no limit on the number of withdrawals from this account in a month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34742) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Rate Increased
+0.30%
Since 30 days ago#2
Forbright Bank
Sprout Savings
+$346
per year
3.46% APY
Oct 13, 2026
On the first $9,999.99 · 0.80% above
APY Range: 0.80% – 3.46%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY is applied to balances above that. See bank for more details.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | Locations in the Washington D.C. area (Maryland and Virginia) |
| Deposit Insurance | FDIC Insured(Cert: 57614) |
| Eligibility | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) |
| Zelle® | SupportedBranch accounts only; Growth Savings online does NOT support. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#3
Gateway First Bank
Gateway High Yield Savings
+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#4
EagleBank
Eagle Savings
+$193
per year
1.93% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34742) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Rate Increased
+0.25%
Since 30 days ago#5
Gateway First Bank
Personal Savings
+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 15118) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#6
MainStreet Bank
AirSavings
+$50
per year
0.50% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57742) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#7
John Marshall Bank
Supreme Savings
+$20
per year
0.65% APY
Oct 7, 2026
Needs at least $50,000.01
APY Range: 0.20% – 0.65%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58243) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
#8
John Marshall Bank
Regular Savings
+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58243) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Rate Increased
+0.05%
Since 7 days ago#9
Atlantic Union Bank
Personal Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
A $3 activity fee applies to each withdrawal after the third in a month.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34589) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#10
Atlantic Union Bank
PRISM Savings
+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34589) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#11
Bank of America
Advantage Savings
+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $8 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#12
Citibank
Citi® Savings Account
+$3
per year
0.03% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#13
PNC
Standard Savings
+$3
per year
0.03% APY
Oct 12, 2026
Needs at least $2,500
APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
APY may improve with a linked PNC account. Terms and conditions apply.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $1 |
| Maintenance Fee | $0 / $5 (see bank for details) |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#14
Bank of America
Advantage Relationship Banking
+$1
per year
0.02% APY
Oct 13, 2026
Needs at least $50,000
APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
#15
TD Bank
TD Signature Savings
+$1
per year
2.50% APY
Oct 13, 2026
Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account
APY Range: 0.01% – 2.50%
FDIC InsuredHigh MinimumLinked AccountGreat iOS AppGreat Android AppIn-Person Access
What to Watch
Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $250,000 |
| Maintenance Fee | $15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account. |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Deposit Insurance | FDIC Insured(Cert: 18409) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in District of Columbia.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |