Best Savings & CD Rates Today
Compare top APYs from FDIC-insured banks — updated daily
UFB Direct
4.25%
APY
Bask Bank
4.20%
APY
Western Alliance Bank
4.15%
APY
| Rank | Bank | Product | APY | Min. Deposit | No Fees | FDIC Insured | |
|---|---|---|---|---|---|---|---|
| #1 | High-Yield Savings | 4.25% | $0 | ✓ | FDIC Insured | Open Account | |
| #2 | High-Yield Savings | 4.20% | $0 | ✓ | FDIC Insured | Open Account | |
| #3 | High-Yield Savings | 4.15% | $1 | ✓ | FDIC Insured | Open Account | |
| #4 | High-Yield Savings | 4.10% | $100 | ✓ | FDIC Insured | Open Account | |
| #5 | High-Yield Savings | 4.05% | $1,500 | ✓ | FDIC Insured | Open Account | |
| #6 | High-Yield Savings | 4.05% | $0 | ✓ | FDIC Insured | Open Account | |
| #7 | High-Yield Savings | 4.00% | $100 | ✓ | FDIC Insured | Open Account | |
| #8 | High-Yield Savings | 3.95% | $0 | ✓ | FDIC Insured | Open Account | |
| #9 | High-Yield Savings | 3.95% | $100 | ✓ | FDIC Insured | Open Account | |
| #10 | High-Yield Savings | 3.90% | $0 | ✓ | FDIC Insured | Open Account | |
| #11 | High-Yield Savings | 3.90% | $100 | ✓ | FDIC Insured | Open Account | |
| #12 | High-Yield Savings | 3.85% | $0 | ✓ | FDIC Insured | Open Account | |
| #13 | High-Yield Savings | 3.80% | $0 | ✓ | FDIC Insured | Open Account | |
| #14 | High-Yield Savings | 3.80% | $0 | ✓ | FDIC Insured | Open Account | |
| #15 | High-Yield Savings | 3.75% | $0 | ✓ | FDIC Insured | Open Account | |
| #16 | High-Yield Savings | 3.70% | $0 | ✓ | FDIC Insured | Open Account | |
| #17 | High-Yield Savings | 3.70% | $1,500 | ✓ | FDIC Insured | Open Account | |
| #18 | High-Yield Savings | 3.65% | $0 | ✓ | FDIC Insured | Open Account | |
| #19 | High-Yield Savings | 3.60% | $0 | ✓ | FDIC Insured | Open Account | |
| #20 | High-Yield Savings | 3.50% | $0 | ✓ | FDIC Insured | Open Account |
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Best Of Lists
Best No-Fee HYSAs
- #1UFB Direct4.25%
- #2Bask Bank4.20%
- #3Western Alliance Bank4.15%
- #4Vio Bank4.10%
- #5Bread Savings4.05%
Best No-Minimum Accounts
- #1UFB Direct4.25%
- #2Bask Bank4.20%
- #3TAB Bank4.05%
- #4Sallie Mae Bank3.95%
- #5Synchrony Bank3.85%
Top 1-Year CDs
- #1Bask Bank4.20%
- #2UFB Direct4.15%
- #3Vio Bank4.15%
- #4Western Alliance Bank4.15%
- #5SoFi Bank4.05%
Frequently Asked Questions
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) is a savings account that earns significantly more interest than a traditional savings account. Online banks typically offer HYSAs with APYs of 4–5%, compared to the national average of around 0.46%.
What is APY and how is it different from APR?
APY (Annual Percentage Yield) includes the effect of compounding interest, while APR (Annual Percentage Rate) does not. APY gives you a more accurate picture of your actual annual earnings. Always compare APYs when shopping for savings accounts.
Are online bank savings accounts FDIC insured?
Yes, all banks listed on SavingsYieldHub are FDIC insured. The FDIC insures deposits up to $250,000 per depositor, per institution. This means your money is protected even if the bank fails.
What is a CD (Certificate of Deposit)?
A Certificate of Deposit (CD) is a savings product that holds a fixed amount of money for a fixed period of time (term) and pays a fixed interest rate. CD rates are often higher than HYSA rates but your money is locked in for the term.
What is a Money Market Account?
A Money Market Account (MMA) is a type of savings account that typically offers higher interest rates than regular savings accounts. MMAs often come with check-writing privileges and debit cards, combining features of checking and savings accounts.