Highest Savings Rates on $10,000
What a $10,000 balance earns in a year, account by account
Top 10 on $10,000:$415 to $434 a yearFDIC or NCUA Insured
FDIC Savings Average 0.37% (as of Sep 2026) | Fed Funds Rate 3.88% (as of Oct 1, 2026)
Filter to the accounts that fit your balance
Ranked by what $10,000 earns in a year. Change the balance below, or filter the 82 accounts by minimum deposit, app ratings, in-branch access and more.
Newest reading: Monday, October 5, 2026
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$434per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #2 | Show Details | +$427per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android App | $100 | |
| #3 | Show Details | +$425per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat Android App | $0 | |
| #4 | Show Details | +$425per year | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #5 | Show Details | +$421per year | Deposit Insurance FDIC InsuredRequires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App | $0 | |
| #6 | Show Details | +$420per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #7 | Show Details | +$420per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #8 | Show Details | +$420per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $100 | |
| #9 | Show Details | +$415per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android App | $500 | |
| #10 | Show Details | +$415per year | Deposit Insurance FDIC InsuredFeatures Low Minimums | $1,000 | |
| #11 | Show Details | +$401per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #12 | Show Details | +$401per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person AccessZelle® Supported | $50 | |
| #13 | Show Details | +$401per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppIn-Person AccessZelle® Supported | $500 | |
| #14 | Show Details | +$401per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $100 | |
| #15 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android App | $100 | |
| #16 | Show Details | +$400per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppGreat Android AppIn-Person AccessZelle® Supported | $5,000 | |
| #17 | Show Details | +$400per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS App | $2,500 | |
| #18 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #19 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppIn-Person AccessZelle® Supported | $1,000 | |
| #20 | Show Details | +$400per year | Deposit Insurance FDIC InsuredRequires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App | $0 | |
| #21 | Show Details | +$400per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $1,000 | |
| #22 | Show Details | +$395per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #23 | Show Details | +$390per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #24 | Show Details | +$390per year | Deposit Insurance FDIC InsuredFeatures Low Minimums | $100 | |
| #25 | Show Details | +$390per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppIn-Person Access | $0 | |
| #26 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #27 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $1 | |
| #28 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #29 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $1 | |
| #30 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #31 | Show Details | +$385per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS App | $0 | |
| #32 | Fitness Bank Fitness Elite Checking & Fitness Savings Combo 3.80%APY Min. balance: $100 Observed: Oct 5, 2026 Show Details | +$380per year | Deposit Insurance FDIC InsuredRequires Checking Bundle Features Low Minimums | $100 | |
| #33 | Show Details | +$380per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person AccessZelle® Supported | $500 | |
| #34 | Show Details | +$375per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppZelle® Supported | $5,000 | |
| #35 | Show Details | +$375per year | Deposit Insurance FDIC InsuredRequires Direct Deposit ReqChecking Bundle Features No MinimumsGreat iOS AppGreat Android App | $0 | |
| #36 | CIBC Bank USA Agility™ High-Interest Savings Account 3.75%APY No min. balance for APY Observed: Oct 5, 2026 Show Details | +$375per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person AccessZelle® Supported | $1,000 | |
| #37 | Show Details | +$375per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppGreat Android AppZelle® Supported | $100 | |
| #38 | E*TRADE from Morgan Stanley Premium Savings Account 3.75%APY No min. balance for APY Observed: Oct 5, 2026 Show Details | +$375per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #39 | Show Details | +$375per year | Deposit Insurance FDIC InsuredRequires Mod. MinimumChecking Bundle Features Great iOS AppGreat Android AppIn-Person AccessZelle® Supported | $5,000 | |
| #40 | Show Details | +$375per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $1,000 | |
| #41 | Show Details | +$375per yearEffective: 3.75% | Deposit Insurance FDIC InsuredRequires Direct Deposit ReqChecking Bundle Features No MinimumsGreat iOS AppZelle® Supported | $0 | |
| #42 | Show Details | +$371per yearEffective: 3.71% | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #43 | Show Details | +$366per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $10 | |
| #44 | Show Details | +$365per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $100 | |
| #45 | Show Details | +$360per year | Deposit Insurance FDIC InsuredRequires High Minimum Features In-Person Access | $10,000 | |
| #46 | Show Details | +$360per year | Deposit Insurance FDIC InsuredRequires High Minimum Features In-Person Access | $10,000 | |
| #47 | Show Details | +$355per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #48 | Show Details | +$350per yearEffective: 3.50% | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #49 | Show Details | +$350per yearEffective: 3.50% | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #50 | Show Details | +$350per year | Deposit Insurance FDIC InsuredFeatures Low Minimums | $100 |
#1
Elevault
High Yield Savings Account
+$434
per year
4.34% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
What to Watch
The APY is available up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1528) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#2
Peak Bank
Envision High Yield Savings
+$427
per year
4.27% APY
Oct 5, 2026
APY Range: 3.40% – 4.27%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
What to Watch
The advertised APY is for new accounts only. There is a limit of one Envision High Yield Savings account per customer. Opening funds are subject to a five business day hold.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58095) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.26%
Since 7 days ago#3
Neighbors Bank
Neighbors Savings Account
+$425
per year
4.25% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat Android App
What to Watch
Balances up to $250,000 earn the stated APY. Anything above will earn less.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16247) |
| Eligibility | Not available in Delaware. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 30 days ago#4
Pibank
Pibank Savings
+$425
per year
4.25% APY
Oct 5, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 25258) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 7 days ago#5
Axos Bank
Axos ONE Savings
+$421
per year
4.21% APY
Oct 5, 2026
APY Range: 3.50% – 4.21%
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
What to Watch
The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. 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.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#6
EverBank
Performance Savings
+$420
per year
4.20% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | 11 locations in Florida and California |
| Deposit Insurance | FDIC Insured(Cert: 34775) |
| Eligibility | United States |
| Zelle® | SupportedNative integration verified. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.30%
Since 7 days ago#7
Happen Bank
LevelUp Savings
+$420
per year
4.20% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
What to Watch
The advertised "LevelUp Rate" APY is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" applies.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 32551) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#8
Newtek Bank
Personal High Yield Savings
+$420
per year
4.20% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS App
What to Watch
Newtek Bank has paused new applications for this account. New customers can only join a waitlist. The advertised APY applies to existing accounts.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18734) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#9
Openbank
High-Yield Savings Account
+$415
per year
4.15% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29950) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.35%
Since 30 days ago#10
TIMBR
Premium Savings Account
+$415
per year
4.15% APY
Oct 5, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58210) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.20%
Since 30 days ago#11
Axos Bank
Summit Savings
+$401
per year
4.01% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35546) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Rate Increased
+0.26%
Since 7 days ago#12
Climate First Bank
Super Duper Savings Account
+$401
per year
4.01% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Branches | 3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL |
| Deposit Insurance | FDIC Insured(Cert: 59257) |
| Eligibility | United States |
| Zelle® | SupportedVerified in Climate First Bank Personal app. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#13
FVCbank
Advantage Direct Savings
+$401
per year
4.01% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $500 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58696) |
| Eligibility | United States |
| Zelle® | SupportedIntegrated into mobile app. |
| Mobile Ratings | |
| BBB Rating | B-(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#14
Vio Bank
Online Savings Account
+$401
per year
4.01% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4063) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Rate Increased
+0.02%
Since 30 days ago#15
Bread Savings
High-Yield Savings Account
+$400
per year
4.00% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57570) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited (Information provided is for Comenity Capital Bank)) |
Rate Stability
Rate Increased
+0.05%
Since 30 days ago#16
Carver Bank
High Yield Savings
+$400
per year
4.00% APY
Oct 5, 2026
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $5,000 |
| Min. Balance | $5,000 |
| Maintenance Fee | $0, of minimum balance requirement met. Otherwise $6. |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30394) |
| Eligibility | United States |
| Zelle® | SupportedFull native integration in digital banking. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#17
Ivy Bank
High-Yield Savings Account
+$400
per year
4.00% APY
Oct 5, 2026
APY Range: 0.05% – 4.00%
FDIC InsuredMod. MinimumGreat iOS App
Show Fine Print & Trends Hide Details
| Min. Deposit | $2,500 |
| Min. Balance | $2,500 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17870) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 30 days ago#18
Live Oak Bank
Personal Savings
+$400
per year
4.00% APY
Oct 5, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58665) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited) |
Rate Stability
30 days
↗︎ 0.10%
90 days
↗︎ 0.20%
#19
Poppy Bank
Poppy Premier Online Savings
+$400
per year
4.00% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0, if electronic statements selected, otherwise $5 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | Branches in California |
| Deposit Insurance | FDIC Insured(Cert: 57903) |
| Eligibility | United States |
| Zelle® | SupportedOfficial Zelle partner bank. |
| Mobile Ratings | |
| BBB Rating | B+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#20
ROGER
ROGER Savings
+$400
per year
4.00% APY
Oct 5, 2026
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
What to Watch
The stated 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.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4084) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.39%
Since 30 days ago#21
Valley Direct
High-Yield Savings Account
+$400
per year
4.00% APY
Oct 5, 2026
APY Range: 3.30% – 4.00%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
What to Watch
Promo rate for new customers. A lower APY applies to existing customers.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9396) |
| Eligibility | United States |
| Zelle® | SupportedAllows Zelle directly on HYSA. |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#22
TAB Bank
TAB Save
+$395
per year
3.95% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34781) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.34%
Since 30 days ago#23
Bask Bank
Interest Savings Account
+$390
per year
3.90% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34383) |
| Eligibility | United States |
| Zelle® | SupportedAvailable for Interest Checking; not for standalone savings. |
| Mobile Ratings | |
| BBB Rating | B(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 30 days ago#24
Popular Direct
Popular Direct Exclusive Savings
+$390
per year
3.90% APY
Oct 5, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34967) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#25
Prime Alliance Bank
Personal Savings
+$390
per year
3.90% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppIn-Person Access
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | One location in Utah |
| Deposit Insurance | FDIC Insured(Cert: 57920) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 30 days ago#26
Clinton Savings Bank
eXPERIENCE Online Savings Account
+$385
per year
3.85% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person Access
What to Watch
The opening deposit must be new money. It cannot be transferred from an existing CSB account. Transfers from an existing CSB account are allowed after the opening deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90181) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 7 days
#27
Colorado Federal Savings Bank
High Yield Savings
+$385
per year
3.85% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 33111) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.05%
Since 90 days ago#28
Forbright Bank
Growth Savings
+$385
per year
3.85% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Available only online. The rate is variable and can change at any time, before or after the account is opened.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| 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 | United States |
| Zelle® | SupportedBranch accounts only; Growth Savings online does NOT support. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Rate Adjusted
-0.30%
Since 90 days ago#29
Primis Bank
Primis Savings Account
+$385
per year
3.85% APY
Oct 3, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
What to Watch
Primis deposit accounts are not available in Puerto Rico or other US territories.
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| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Locations in Virginia |
| Deposit Insurance | FDIC Insured(Cert: 57968) |
| Eligibility | United States |
| Zelle® | SupportedSupports Zelle for personal and small business. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#30
Sallie Mae Bank
High-Yield Savings Account
+$385
per year
3.85% APY
Oct 5, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58177) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Rate Increased
+0.10%
Since 30 days ago#31
Zynlo Bank
Tomorrow Savings Account
+$385
per year
3.85% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90213) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#32
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
+$380
per year
3.80% APY
Oct 5, 2026
FDIC InsuredChecking BundleLow Minimums
What to Watch
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.
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| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $10. Waived for average daily balances > $100 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29510) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Adjusted
-0.25%
Since 30 days ago#33
Western Alliance Bank
High-Yield Savings Premier
+$380
per year
3.80% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $500 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | 2 locations in Arizona and Ohio |
| Deposit Insurance | FDIC Insured(Cert: 57512) |
| Eligibility | United States |
| Zelle® | SupportedAvailable via the Western Bank mobile app. |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited (Information provided is for Alliance Association Bank, a trade name of Western Alliance Bank)) |
Rate Stability
Very StableNo rate changes in last 90 days
#34
BrioDirect
High-Yield Savings Account
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredMod. MinimumGreat iOS AppZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $5,000 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18221) |
| Eligibility | United States |
| Zelle® | SupportedAccessed via the Webster Bank mobile app. |
| Mobile Ratings | |
| BBB Rating | B(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#35
Chime
Chime High-Yield Savings Account
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Required (See terms) |
| Deposit Insurance | FDIC Insured |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#36
CIBC Bank USA
Agility™ High-Interest Savings Account
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredLow MinimumsIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Banking centers can be found in California, Florida, Illinois, Michigan, Missouri, and Wisconsin |
| Deposit Insurance | FDIC Insured(Cert: 33306) |
| Eligibility | United States |
| Zelle® | SupportedSupported via the CIBC US mobile app. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.23%
Since 30 days ago#37
CIT Bank
Platinum Savings
+$375
per year
3.75% APY
Oct 5, 2026
APY Range: 0.25% – 3.75%
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported
What to Watch
This is a tiered savings account, where the stated APY requires meeting the $5,000 balance requirement. Lower balances earn a lower APY.
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| Min. Deposit | $100 |
| Min. Balance | $5,000 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11063) |
| Eligibility | United States |
| Zelle® | SupportedSupported for eChecking users post-First Citizens merger. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company)) |
Rate Stability
Very StableNo rate changes in last 90 days
#38
E*TRADE from Morgan Stanley
Premium Savings Account
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34221) |
| Eligibility | United States |
| Zelle® | SupportedAvailable for Premium Savings and Checking. |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited (Information provided is for Morgan Stanley)) |
Rate Stability
Rate Increased
+0.25%
Since 30 days ago#39
Presidential Bank
Advantage Savings
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredMod. MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $5,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | 10 locations in Maryland, Virginia and Washington D.C. |
| Deposit Insurance | FDIC Insured(Cert: 32363) |
| Eligibility | United States |
| Zelle® | SupportedNative integration; Advantage Savings supports Zelle. |
| Mobile Ratings | |
| BBB Rating | A-(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#40
Rising Bank
High-Yield Savings Account
+$375
per year
3.75% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
What to Watch
Interest is calculated daily and credited monthly. The account does not compound: interest is paid on the deposit balance only, not on interest already earned.
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| Min. Deposit | $1,000 |
| Min. Balance | $1,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1058) |
| Eligibility | United States |
| Zelle® | SupportedAdded native support in 2025. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#41
SoFi Bank
SoFi Savings
+$375
per year
4.20% APY
Oct 5, 2026
APY Range: 3.30% – 4.20%
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppZelle® Supported
What to Watch
Offer ends 2026-12-31: an APY boost for up to six months, for members new to SoFi Checking and Savings who keep an eligible direct deposit or $5,000 in qualifying deposits every 31 days. Savings is bundled with checking.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Required (See terms) |
| Deposit Insurance | FDIC Insured(Cert: 26881) |
| Eligibility | United States |
| Zelle® | SupportedNative support added in 2024 for banking members. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
30 days
↗︎ 0.20%
90 days
↗︎ 0.40%
#42
Wealthfront
Cash Account
+$371
per year
4.20% APY
Oct 5, 2026
APY Range: 3.55% – 4.20%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
What to Watch
Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | F(Not BBB Accredited) |
Rate Stability
30 days
↗︎ 0.25%
90 days
↗︎ 0.30%
#43
Salem Five Direct
eOne Savings
+$366
per year
3.66% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23296) |
| Eligibility | United States |
| Zelle® | SupportedUses shared Salem Five mobile platform. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.15%
Since 7 days ago#44
CIT Bank
Savings Connect
+$365
per year
3.65% APY
Oct 5, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11063) |
| Eligibility | United States |
| Zelle® | SupportedSupported for eChecking users post-First Citizens merger. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company)) |
Rate Stability
Very StableNo rate changes in last 90 days
#45
North American Savings Bank, F.S.B.
E-Savings
+$360
per year
3.60% APY
Oct 5, 2026
FDIC InsuredHigh MinimumIn-Person Access
What to Watch
This account can be opened only online.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29708) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#46
North American Savings Bank, F.S.B.
Ultimate Savings
+$360
per year
3.60% APY
Oct 5, 2026
APY Range: 0.01% – 3.60%
FDIC InsuredHigh MinimumIn-Person Access
What to Watch
This account can be opened only online. NASB applies a blended rate: when a balance spans more than one tier, each portion earns the rate for that tier and the overall rate is the weighted average.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10,000 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29708) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
StableNo rate changes in last 30 days
#47
Synchrony Bank
High Yield Savings
+$355
per year
3.55% APY
Oct 5, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 27314) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
Rate Increased
+0.25%
Since 7 days ago#48
Barclays
Tiered Savings
+$350
per year
3.65% APY
Oct 5, 2026
APY Range: 3.50% – 3.65%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
What to Watch
The top APY is only available for balances over $250,000. For lower balances, a lower APY applies.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 57203) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Very StableNo rate changes in last 90 days
#49
Betterment
Cash Reserve
+$350
per year
4.25% APY
Oct 5, 2026
APY Range: 3.50% – 4.25%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A-(BBB Accredited) |
Rate Stability
Rate Increased
+0.25%
Since 30 days ago#50
Fitness Bank
Fitness Savings Account
+$350
per year
3.50% APY
Oct 5, 2026
FDIC InsuredLow Minimums
What to Watch
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.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $10. Waived for average daily balances > $100 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29510) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Rate Adjusted
-0.25%
Since 30 days ago