Your Bank Is Quietly Keeping Your Money
This free calculator shows you exactly how much interest you're leaving on the table every year — and what high-yield savings accounts are actually paying right now. No sign-up. No sales pitch. Just the math.
What's your primary savings goal?
This helps us find the most relevant comparison for you.
Not sure where to start? Learn how each account type works before comparing rates.
What High-Yield Savings Actually Pays
Most Americans earn near nothing on their savings. The accounts below are independently verified as FDIC-insured and currently offering rates dramatically above the national average. We don't name specific banks here — we verify the tier, you choose what's right for you.
National average savings rate: 0.46%
| Account tier | Advertised APY (up to) | Key Feature | Learn More |
|---|---|---|---|
| Traditional BankFDIC | 0.01% – 0.10% Rates as of April 2026 — verify current rates before opening any account. | Branch access, familiarity | Learn More → |
| Online BankFDIC | 4.00% – 5.00% Rates as of April 2026 — verify current rates before opening any account. | Highest rates, no fees | Learn More → |
| Credit UnionNCUA | 3.50% – 4.75% Rates as of April 2026 — verify current rates before opening any account. | Member-owned, personal service | Learn More → |
Rates last verified: April 2026
National average & FDIC checks last refreshed: Apr 15, 2026, 11:00 AM UTC
• Individual bank APY rates are advertised rates verified monthly. Actual rates may vary — always verify on the bank's website before opening an account.
• National average rate sourced from Federal Reserve H.15 statistical release, updated weekly.
• FDIC insurance status verified via FDIC BankFind public database.
Traditional Banks — Full Report
How branch-based national and regional banks compare on savings rates, fees, and everyday banking — and who they fit best.
What Is a Traditional Bank?
Traditional banks are physical branch institutions regulated by the FDIC. They offer the full suite of banking products — checking, savings, loans, mortgages — under one roof. The tradeoff is that their savings rates are typically the lowest in the market, often below 0.10% APY.
PROS
- Convenient branch access
- ATM networks
- Full product suite
- Established trust and familiarity
- In-person customer service
- Easy cash deposits
CONS
- Lowest savings rates in the market
- Often charge monthly fees
- Slower to adopt new technology
- Rates rarely competitive with online alternatives
BEST FOR
People who regularly need in-person banking, handle cash frequently, or prefer face-to-face service for complex financial needs.
Current rate range
0.01% – 0.10% APY on standard savings accounts
Source: Federal Reserve H.15 / FDIC BankFind
Rates change frequently. Verify before opening any account.
Featured Partner Slot — Available
Institutions may apply for featured placement. Featured status is clearly disclosed and does not affect our data rankings.
Top Institutions by Savings Rate
Ranked by advertised APY. All institutions on this list are verified FDIC/NCUA insured. Data sourced from public regulatory filings.
- 1.Chase Bank0.01%Largest US bank by assetsFDIC verifiedLearn More →
- 2.Bank of America0.01%Nationwide branch networkFDIC verifiedLearn More →
- 3.Wells Fargo0.01%Coast-to-coast presenceFDIC verifiedLearn More →
- 4.Citibank0.04%Strong international accessFDIC verifiedLearn More →
- 5.US Bank0.01%Strong Midwest presenceFDIC verifiedLearn More →
- 6.PNC Bank0.01%Mid-Atlantic and SoutheastFDIC verifiedLearn More →
- 7.Truist0.01%Southeast regional leaderFDIC verifiedLearn More →
- 8.TD Bank0.02%Northeast focusFDIC verifiedLearn More →
- 9.Regions Bank0.01%Southeast and MidwestFDIC verifiedLearn More →
- 10.Fifth Third Bank0.01%Midwest regionalFDIC verifiedLearn More →
- 11.KeyBank0.01%Northeast and NorthwestFDIC verifiedLearn More →
- 12.Huntington Bank0.01%Great Lakes regionFDIC verifiedLearn More →
- 13.M&T Bank0.01%Mid-Atlantic regionalFDIC verifiedLearn More →
- 14.Comerica0.01%Texas and MidwestFDIC verifiedLearn More →
- 15.Zions Bank0.01%Mountain WestFDIC verifiedLearn More →
- 16.First Horizon0.01%Southeast regionalFDIC verifiedLearn More →
- 17.Synovus0.01%Southeast community focusFDIC verifiedLearn More →
- 18.Glacier Bank0.05%Northwest community bankFDIC verifiedLearn More →
- 19.First National Bank0.02%Midwest community bankFDIC verifiedLearn More →
- 20.Heartland Financial0.03%Midwest regionalFDIC verifiedLearn More →
Data last updated: April 2026. This list is compiled from public FDIC BankFind and NCUA data. It is not a paid ranking.
Online Banks — Full Report
Branchless FDIC-insured banks that compete mainly on APY, fees, and digital experience — and what you give up versus brick-and-mortar.
What Is an Online Bank?
Online banks operate entirely over the internet with no physical branches. Because they have dramatically lower overhead than traditional banks, they pass those savings to customers in the form of significantly higher interest rates. All legitimate online banks are FDIC insured up to $250,000.
PROS
- Highest savings rates available
- Typically no monthly fees
- No minimum balance requirements
- Easy mobile account management
- FDIC insured same as traditional banks
CONS
- No physical branches
- Cash deposits can be difficult
- May feel less familiar
- Customer service is phone or chat only
- No in-person relationship
BEST FOR
Anyone comfortable managing money digitally who wants to maximize what their savings earns. Ideal for emergency funds and long-term savings goals.
Current rate range
4.00% – 5.00% APY on high-yield savings accounts
Source: Federal Reserve H.15 / FDIC BankFind
Rates change frequently. Verify before opening any account.
Featured Partner Slot — Available
Institutions may apply for featured placement. Featured status is clearly disclosed and does not affect our data rankings.
Top Institutions by Savings Rate
Ranked by advertised APY. All institutions on this list are verified FDIC/NCUA insured. Data sourced from public regulatory filings.
- 1.SoFi BankUp to 4.50%No minimum balance, FDIC insuredFDIC verifiedLearn More →
- 2.Marcus by Goldman SachsUp to 4.40%No fees ever, Goldman backingFDIC verifiedLearn More →
- 3.Ally BankUp to 4.35%No minimum, excellent mobile appFDIC verifiedLearn More →
- 4.Discover BankUp to 4.25%No fees, strong customer serviceFDIC verifiedLearn More →
- 5.American Express HYSAUp to 4.25%Trusted brand, no feesFDIC verifiedLearn More →
- 6.Synchrony BankUp to 4.50%Consistently competitive ratesFDIC verifiedLearn More →
- 7.Barclays OnlineUp to 4.35%Simple, no-frills high yieldFDIC verifiedLearn More →
- 8.Capital One 360Up to 4.10%Strong app, hybrid modelFDIC verifiedLearn More →
- 9.Bread FinancialUp to 4.50%High rates, simple productFDIC verifiedLearn More →
- 10.UFB DirectUp to 4.55%Among highest rates availableFDIC verifiedLearn More →
- 11.EverBankUp to 4.30%Competitive, established online bankFDIC verifiedLearn More →
- 12.Laurel RoadUp to 4.40%Strong for professionalsFDIC verifiedLearn More →
- 13.My Banking DirectUp to 4.50%High rates, straightforwardFDIC verifiedLearn More →
- 14.Bask BankUp to 4.45%Competitive HYSAFDIC verifiedLearn More →
- 15.LendingClub BankUp to 4.40%Solid online optionFDIC verifiedLearn More →
- 16.Varo BankUp to 4.00%Mobile-first, no feesFDIC verifiedLearn More →
- 17.Axos BankUp to 4.25%Full online banking suiteFDIC verifiedLearn More →
- 18.CIT BankUp to 4.35%Established online institutionFDIC verifiedLearn More →
- 19.TAB BankUp to 4.40%Competitive ratesFDIC verifiedLearn More →
- 20.Western Alliance BankUp to 4.40%Strong institutional backingFDIC verifiedLearn More →
Data last updated: April 2026. This list is compiled from public FDIC BankFind and NCUA data. It is not a paid ranking.
Credit Unions — Full Report
Member-owned, not-for-profit institutions insured by the NCUA — how they balance rates, access, and membership rules versus banks.
What Is a Credit Union?
Credit unions are not-for-profit financial institutions owned by their members. Because profits go back to members rather than shareholders, credit unions typically offer better rates than traditional banks and lower fees. They are insured by the NCUA (the credit union equivalent of the FDIC) up to $250,000.
PROS
- Member-owned structure means profits return to you
- Typically better rates than traditional banks
- Lower fees
- Strong personal service
- Community focus
- NCUA insured
CONS
- Membership requirements (must qualify to join)
- Fewer branches than big banks
- Technology and apps sometimes lag behind online banks
- Rates typically below online-only banks
BEST FOR
People who qualify for membership and want better rates than traditional banks with more personal service. Excellent for those who value community banking and member ownership.
Current rate range
3.50% – 4.75% APY on savings accounts
Source: Federal Reserve H.15 / FDIC BankFind
Rates change frequently. Verify before opening any account.
Featured Partner Slot — Available
Institutions may apply for featured placement. Featured status is clearly disclosed and does not affect our data rankings.
Top Institutions by Savings Rate
Ranked by advertised APY. All institutions on this list are verified FDIC/NCUA insured. Data sourced from public regulatory filings.
- 1.Alliant Credit UnionUp to 4.75%Open membership, excellent ratesNCUA verifiedLearn More →
- 2.Pentagon Federal (PenFed)Up to 4.35%Open to all, strong ratesNCUA verifiedLearn More →
- 3.Navy Federal Credit UnionUp to 4.25%Military families, largest CUNCUA verifiedLearn More →
- 4.Consumers Credit UnionUp to 4.50%Open membership, competitiveNCUA verifiedLearn More →
- 5.First Tech Federal CUUp to 4.00%Tech industry focusNCUA verifiedLearn More →
- 6.Golden 1 Credit UnionUp to 3.75%California-based, strong ratesNCUA verifiedLearn More →
- 7.SchoolsFirst FCUUp to 3.50%Education community focusNCUA verifiedLearn More →
- 8.Suncoast Credit UnionUp to 3.85%Florida-based, strong ratesNCUA verifiedLearn More →
- 9.America First CUUp to 4.00%Mountain West focusNCUA verifiedLearn More →
- 10.Bethpage Federal CUUp to 4.25%Northeast, competitive ratesNCUA verifiedLearn More →
- 11.Digital Federal CUUp to 4.00%Open membership, solid ratesNCUA verifiedLearn More →
- 12.BECUUp to 3.75%Pacific Northwest focusNCUA verifiedLearn More →
- 13.Randolph-Brooks FCUUp to 4.00%Texas-basedNCUA verifiedLearn More →
- 14.Connexus Credit UnionUp to 4.50%Open membership, high ratesNCUA verifiedLearn More →
- 15.Limelight BankUp to 4.40%Online CU modelNCUA verifiedLearn More →
- 16.Delta Community CUUp to 3.75%Southeast focusNCUA verifiedLearn More →
- 17.ESL Federal CUUp to 3.85%Northeast community focusNCUA verifiedLearn More →
- 18.Logix Federal CUUp to 3.90%California community focusNCUA verifiedLearn More →
- 19.Service Credit UnionUp to 4.10%Military and open membershipNCUA verifiedLearn More →
- 20.Andrews Federal CUUp to 4.00%Mid-Atlantic, open membershipNCUA verifiedLearn More →
Data last updated: April 2026. This list is compiled from public FDIC BankFind and NCUA data. It is not a paid ranking.
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We rank and compare offers using APY, FDIC insurance status, fee structure, and minimum balance requirements — then we disclose affiliate relationships clearly so you can judge incentives yourself. Read our methodology.
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