Featured Savings Rates
Featured Accounts

Compare Savings Account Rates

Interest rates on savings accounts vary greatly. That is why we check rates daily at more than 5,000 U.S. banks and credit unions…so that it is easy for you to find the best savings account rate.

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Deposit Amount
$1 $100,000

168 Results


Nationwide Only
Popular DirectPopular Direct Savings
1.26%
$5k-$315
Northpointe BankUltimateSavings Promo7 Reviews
1.12%*
$10k$500k$280
Incredible BankIncredible Savings22 Reviews
1.11%
--$278
Salem Five DirecteOne Savings - New Money Only15 Reviews
1.10%*
-$500k$275
The Palladian PrivateBankSavings Account - 1st Yr incl. initial promo rate15 Reviews
1.10%
$10k-$275
SFGI DirectSFGI Direct Savings Account8 Reviews
1.06%
$500-$265
1.00%
--$250
1.00%
--$250
ableBankingMoney Market Savings2 Reviews
1.00%
$250-$250
Radius BankRadius High-Yield Savings19 Reviews
1.00%*
$2,500-$250
1.00%*
$25k-$250
CIT BankHigh Yield Savings92 Reviews
0.95%
--$238
FNBO DirectOnline Savings8 Reviews
0.95%
-$1m$238
0.95%
$500-$238
0.90%*
-$250k$225
American Express Bank, FSB.High Yield Savings Account115 Reviews
0.90%
--$225
Pacific National BankSavings Online Special1 Review
0.90%
--$225
EBSB DirectHigh Yield Savings Account1 Review
0.88%*
$5k-$220
Digital FCUDCU Ltd Savings12 Reviews
0.85%
$25k-$213
MySavingsDirectMySavings Account26 Reviews
0.85%
--$213
0.85%
$2,500-$213
Sallie Mae BankUpromise GoalSaver Account40 Reviews
0.85%
--$213
Amboy DirectPersonal eSavings Account4 Reviews
0.80%*
$3k$100k$200
EH National BankPersonal Savings
0.79%
--$198
Capital One 360360 Savings Account175 Reviews
0.75%
--$188
ProvidentNJ DirectPower Savings
0.75%*
$10k-$188
SmartyPigSmartyPig Savings16 Reviews
0.75%*
--$188
0.75%*
$2,500-$188
0.70%*
$2k-$175
TIAA DirectHigh Yield Savings7 Reviews
0.70%*
--$175
1st Constitution Bank1st Choice Super Savings3 Reviews
0.65%*
$10k-$163
0.65%
$10k-$163
0.61%
--$152
EverBankYield Pledge Savings20 Reviews
0.61%
--$152

Displaying 1-40 of 168 Results


Compare Savings Account Rate Trend

Savings Account Rates

The savings account table above allows you to compare savings account rates offered by financial institutions like online banks, credit unions, community banks, and big banks. The best savings account rates are published at the top of the rate table and decrease in APY as you scroll down. Feel free to filter the results by location and investment amount for customized results.

What Is A Savings Account?

A savings account is defined by Regulation D of the Federal Reserve Board guidelines as a bank deposit for which there is no expiration date, nor a specific date on which it becomes payable to the depositor. Savings accounts are not considered “transactional” because the number of withdrawals account holders are allowed to make is restricted each month (currently 6 withdrawals/month). Financial institutions pay varying degrees of interest in exchange for your deposit, with the online savings account usually offering some of the highest interest rates.

How To Use A Savings Account

Saving money is one of the primary functions and benefits provided by a savings account. The savings account helps consumers to manage their money better and provides security for your cash. For consumers already with a checking account, opening a savings account can serve as a backup to prevent overdrafts from occurring. A wise strategy is to establish an emergency savings account with enough funds to cover up at least 3 months of expenses. High yield savings accounts are the best option for emergency savings, as you will earn the higher rates of return on your reserves. ACH transfers are another benefit that makes it easy to transfer funds to and from various accounts.

Money Market Accounts are similar to savings accounts, but differ mainly in two ways: MMAs typically offer limited check writing and have minimum balance requirements. Savings accounts typically do not.

Many consumers compare savings accounts regularly as a part of their savings plan, in order to take advantage of the highest savings account rates available at any given time. DepositAccounts has a savings calculator that will tell you how much compounding interest you can expect from a given account over a certain period of time. Multiple savings accounts can be advantageous as well, especially if you have, or plan to have, an online savings account. Having an account on the web and on the ground (in the form of physical bank branches) could help you take advantage of higher rates while maintaining personal banking relationships.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial instututions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.