✓ 每日更新

今日最佳储蓄和定期存款利率

比较FDIC保险银行的最高APY — 每日更新

UFB Direct

4.25%

APY

Bask Bank

4.20%

APY

Western Alliance Bank

4.15%

APY

仅限无费用账户

Min Deposit:

排名	银行	产品	APY	最低存款	无费用	FDIC保险
#1	UFB Direct	High-Yield Savings	4.25%	$0	✓	FDIC Insured	开户
#2	Bask Bank	High-Yield Savings	4.20%	$0	✓	FDIC Insured	开户
#3	Western Alliance Bank	High-Yield Savings	4.15%	$1	✓	FDIC Insured	开户
#4	Vio Bank	High-Yield Savings	4.10%	$100	✓	FDIC Insured	开户
#5	Bread Savings	High-Yield Savings	4.05%	$1,500	✓	FDIC Insured	开户
#6	TAB Bank	High-Yield Savings	4.05%	$0	✓	FDIC Insured	开户
#7	CIT Bank	High-Yield Savings	4.00%	$100	✓	FDIC Insured	开户
#8	Sallie Mae Bank	High-Yield Savings	3.95%	$0	✓	FDIC Insured	开户
#9	Popular Direct	High-Yield Savings	3.95%	$100	✓	FDIC Insured	开户
#10	LendingClub Bank	High-Yield Savings	3.90%	$0	✓	FDIC Insured	开户
#11	Quontic Bank	High-Yield Savings	3.90%	$100	✓	FDIC Insured	开户
#12	Synchrony Bank	High-Yield Savings	3.85%	$0	✓	FDIC Insured	开户
#13	Marcus by Goldman Sachs	High-Yield Savings	3.80%	$0	✓	FDIC Insured	开户
#14	SoFi Bank	High-Yield Savings	3.80%	$0	✓	FDIC Insured	开户
#15	Barclays Online	High-Yield Savings	3.75%	$0	✓	FDIC Insured	开户
#16	Ally Bank	High-Yield Savings	3.70%	$0	✓	FDIC Insured	开户
#17	EverBank	High-Yield Savings	3.70%	$1,500	✓	FDIC Insured	开户
#18	American Express National Bank	High-Yield Savings	3.65%	$0	✓	FDIC Insured	开户
#19	Discover Bank	High-Yield Savings	3.60%	$0	✓	FDIC Insured	开户
#20	Capital One 360	High-Yield Savings	3.50%	$0	✓	FDIC Insured	开户

#1

UFB Direct

4.25%

FDIC InsuredNo Fee

#2

Bask Bank

4.20%

FDIC InsuredNo Fee

#3

Western Alliance Bank

4.15%

FDIC InsuredNo Fee

#4

Vio Bank

4.10%

FDIC InsuredNo Fee

#5

Bread Savings

4.05%

FDIC InsuredNo Fee

#6

TAB Bank

4.05%

FDIC InsuredNo Fee

#7

CIT Bank

4.00%

FDIC InsuredNo Fee

#8

Sallie Mae Bank

3.95%

FDIC InsuredNo Fee

#9

Popular Direct

3.95%

FDIC InsuredNo Fee

#10

LendingClub Bank

3.90%

FDIC InsuredNo Fee

#11

Quontic Bank

3.90%

FDIC InsuredNo Fee

#12

Synchrony Bank

3.85%

FDIC InsuredNo Fee

#13

Marcus by Goldman Sachs

3.80%

FDIC InsuredNo Fee

#14

SoFi Bank

3.80%

FDIC InsuredNo Fee

#15

Barclays Online

3.75%

FDIC InsuredNo Fee

#16

Ally Bank

3.70%

FDIC InsuredNo Fee

#17

EverBank

3.70%

FDIC InsuredNo Fee

#18

American Express National Bank

3.65%

FDIC InsuredNo Fee

#19

Discover Bank

3.60%

FDIC InsuredNo Fee

#20

Capital One 360

3.50%

FDIC InsuredNo Fee

储蓄计算器

查看您的储蓄可以增长多少

初始存款 ($)

每月供款 ($)

APY (%)

年限

Best Of Lists

Best No-Fee HYSAs

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%

常见问题

什么是高收益储蓄账户（HYSA）？

高收益储蓄账户（HYSA）是一种比传统储蓄账户赚取更多利息的储蓄账户。网络银行通常提供APY为4-5%的HYSA，而全国平均水平约为0.46%。

APY和APR有什么区别？

APY（年收益率）包括复利效果，而APR（年利率）则不包括。APY为您提供实际年收益的更准确图景。

网络银行储蓄账户是否受FDIC保险？

是的，SavingsYieldHub上列出的所有银行均受FDIC保险。FDIC每家机构每位存款人保障最高25万美元的存款。

什么是定期存款（CD）？

定期存款（CD）是一种在固定期限内持有固定金额并支付固定利率的储蓄产品。CD利率通常高于HYSA，但您的资金在期限内被锁定。

什么是货币市场账户？

货币市场账户（MMA）是一种通常提供比普通储蓄账户更高利率的储蓄账户类型。MMA通常具有支票开具特权和借记卡，结合了支票和储蓄账户的功能。