Compare the Best High-Yield Savings Account Rates Today
Brian McKay
Brian McKay
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Current national savings rates include 1st National Bank OH1st National Bank OH1000 E Main St, Lebanon, OH 45036A5.0 ★Texas Ratio: 9.28%Real return: +9.20%APY minus 2.8% CPI (February 2026) offering Ohio Homebuyer Plus Savings at 12.00% APY, Quail Creek BankQuail Creek Bank12201 N May Ave, Oklahoma City, OK 73120A+5.0 ★Texas Ratio: 1.89%Real return: +7.72%APY minus 2.8% CPI (February 2026) offering LINQUP Savings at 10.52% APY, First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24%Real return: +7.67%APY minus 2.8% CPI (February 2026) offering SuperSaver Savings at 10.47% APY, SPECTRA Credit UnionSPECTRA Credit Union1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 6.72%Real return: +7.58%APY minus 2.8% CPI (February 2026) offering Brilliant Kids Savings at 10.38% APY, and ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78%Real return: +7.20%APY minus 2.8% CPI (February 2026) offering High Yield Savings at 10.00% APY. Savings rates as of August 31, 2026 according to verified data from MonitorBankRates.
Online savings accounts have revolutionized personal banking by offering interest rates that significantly outperform traditional brick-and-mortar banks. Without the overhead of physical branches, online banks pass these savings directly to you in the form of higher APYs and lower fees. Whether you’re building an emergency fund or saving for a major purchase, a high-yield savings account is one of the safest ways to grow your money faster.
Savings rates reflect recent market quotes and representative offers available to depositors nationwide. Savings Rates Last Updated and Verified: August 31, 2026
Current National High-Yield Savings Account Rates
This account utilizes a split-rate tiered structure. The advertised interest rates and APYs are paid only on the portion of the daily balance residing within each specified tier. Interest is compounded daily and paid monthly.
Earn up to 12% APY on the first $2,500. Rate can change daily. Maximum of $100,000. Terms and conditions apply.
Earn 10.52% APY* on the first $1,000 you deposit to this account and the standard savings account APY on balances of $1,000.01 and above; We'll match your initial deposit to this account up to a $50 maximum*** Additional $50 incentive if you enroll for EZ-Allowance or Direct Deposit ($50 max)***; Matches and incentives are good through June 2025
See disclosures for details on APY calculation.
Save your money faster with 10.00% APY on your first $1,000! Pair it with your CloseEnuff Checking using grow & give and make the most of your cashflow! Rates are subject to change at any time. orsa credit union membership is required.
APY on balances of $.01 to $1,000.00. Balances of $1,000.01 and above earn an APY of 0.10%. Fees could reduce earnings.
Rate = 0.050% | APY* 0.05% for balances $1,000.01 & over.
Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 11/16/2025. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warrior Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.
Receive $1 for every "A" or "B" on their semester report card; Member must redeem their filled sticker card in branch. The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account.
Super-high dividends; Cash rewards for deposits $1-$10 awarded at different transaction intervals; High dividends are paid out quarterly; At account opening, your child is given a special stamp card to track deposits. Once their stamp card is full of 24 stamps, your child is given the option of receiving $10, a movie ticket, or a plush Penny the Hedgehog stuffed animal.
Qualifying balance up to $5,000.00
Qualifications Required: current, valid military ID; accept electronic documents; receive e-statements; make at least one deposit monthly; 8.00% only applies on the first $500 deposited as long as member meets all requirements. Requirements include: a current, valid military ID, accept electronic documents, receive e-statements and make at least one deposit monthly. Dividends compounded and credited quarterly. If the monthly deposit is not posted, the rate will revert to the current share savings rate for that month. This special rate will remain in effect as long as all requirements are met for the first $500. Balances over $500 will earn the regular share savings rate.
See full reward savings details and account requirements here .
***
Dividend rate applies to balances up to and including $1000.00. Balances of $1,000.01 and above will earn the same dividend rate as our Primary Share Savings account.
7.00% on first $500
Available for ages 0-19 years with a parent/guardian joint signer. It earns 7.00% APY on balances up to $500. Regular savings rate applies to balances above $500; dividend rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. $1 to open. APY is accurate as of June 22, 2023.
Dividends are earned tax-free and qualified medical expense withdrawals are tax-free also. Balances greater than $1,000 earn a rate of 1.25% - 7.00% APY.
Qualifications Required: Maintain an eligible WEOKIE checking account; Enroll in e-Statements; Complete 4 qualifying transactions monthly; Featured rate on balances up to $1,000.00. Base rate applies to balances over $1,000.00.
Minimum Balance to Open Account: $5.00
Youth up to age 2612 earn a preferred rate on balances up to $1,000.
Promotional rate on balances up to $10,000.00. Balances in excess of $10,000.00 will earn dividends at the Credit Union's regular Money Market rate.
6.00% on first $2500
6.00% APY on balances up to $2,500; balances over $2,500 will earn .01% APY on remaining balance.
Balances up to $3,000: Rate 5.85%, APY 6.00%. Balances over $3,000: Rate 0.05%, APY 0.05%
Qualifying balance up to $2,000.00
Balances above $2,500.00 are paid the standard share savings rate.
Balances up to $3,000: Rate 5.85%, APY 6.00%. Balances over $3,000: Rate 0.05%, APY 0.05%
APY of 6.00% will be paid on the entire balance up to $5,000.00. Earn an interest rate of 0.20% on the portion of the daily balance over the $5,000.00, resulting in a range from 6.00% to 0.20% APY depending on the account's balance. Fees could reduce the earnings on this account. Rates are subject to change at any time without notice. A limit of one Youth Savings Account per account owner (minor). Youth Savings Account limited to owners age 17 and under. Youth Savings Account will automatically convert to Regular Savings Account, upon account owner reaching 18 years of age.
Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday.
APY (Annual Percentage Yield) if balance is above $5; subject to change.
APY (Annual Percentage Yield) if balance is above $5; subject to change.
Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday.
Age: up to 17; Balances up to $500
Balance: $1,000.01 and greater
The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Designed for children and teens under 19, this account has no monthly fees, no minimum balance, and grows with them. 5.50 APY on up to $1,000. Rates are variable and subject to change after account opening.
Qualifications Required: Qualifications Required; First Choice Rewards Savings rates apply if qualifications are met each monthly qualification cycle on First Choice Rewards Checking account. APY range based on balance in account.
Interest-bearing account; First $500 deposited will yield 5.25% interest.
$0-$1,000
Earn 5.25% APY on the first $500 in the account. Get a 0.25% APY boost on your Ignite Savings rate when you pair it with any OCCU checking account. First-year earnings are based on a 12-month average. APY effective 4/16/2026 and subject to change.
Qualifications Required: 5.13% APY will be paid only on the portion of your average daily balance that is greater than $1,000.01 and the portion of your average daily balance $0.00 - $1,000 earns 0.05% APY.; Age: up to 17 (or older with a current student id); Featured rate on balances up to $1,000.00
Available to members under the age of 21 years old and earns 5.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificate accounts. Fees could reduce earnings on the account.
Join the Herd!
Balance tier: $0 - $5,000.00*
Qualifications Required: Must have Snap $tack Savings for Cash Back Activity Credits $1,000.00 minimum average balance in Snap $tack Checking; Must have Online or Mobile Banking with e-Statements enrollment; One (1) signature or PIN based debit card transactions during qualification period; Two (2) auto transfers (ACH or Direct Deposit) required during qualification period; SNAP STACK CHECKING eligibility requirements per qualification period to receive APY of 5.12% on the first $5,000 in SNAP STACK SAVINGS. If requirements are met each qualification period, balances up to $5,000.00 receive APY of 5.12%; the portion of balances over $5,000.00 earn an interest rate of 0.05%, resulting in 5.12% - 0.05% APY, depending on the balance. Qualifying transactions must post to and settle during the qualification period. The qualification period begins on the 27th of the month and runs thru the close of business on the 26th of the following month. Transactions may take one or more banking days from the date the transaction was made to post and settle. If the qualification beginning date falls on a weekend or a Federal Holiday, the period will begin on the next business day start of business. If the period ending date falls on a weekend or Federal holiday, the qualification period will end the prior business day close of business.
Up to $1,000
TBD Savings; $0 - $1,000; Dividends Paid: Monthly
Includes: Earn Interest Daily No Monthly Service Fee Easy Online Access Quarterly Statements
Balances above $500 earn 0.25% APY.
on the first $1,000 on deposit
Must have a Planters Round Up Checking Account
APY = Annual Percentage Yield. Paid on balance up to $1,000; competitive rate on higher balance.
For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise
As high as
Qualifying balance up to $10,000.00
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.; $0 maintenance service charge requirements: Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month
Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Student Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.; $0 maintenance service charge requirements: Maintain an active 1st Gold Student Checking account and transfer $25+ from your 1st Gold Student checking account to your Optimum Student Savings account at least once per month
Balances <= $3,000.00
Introductory bonus dividend rate is paid on the first $2,500 balance for the first 12 months. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater. Offer subject to change without notice.
Qualifications Required: provide and maintain a valid email address; be enrolled to receive e-statements
Balances up to $1,000.00
Qualifying balance up to $1,000.00
*These rates are blended for balances over $1,000. For example, if a member has $1,000 in savings they would receive dividends at the 5.00% APY rate on the first $1,000 in funds, then dividends at the 0.20% rate on any balances between $1,000.01 and $5,000.00, and then dividends at the 0.15% rate on any balances over $5,000. Earn 5.00% APY on all balances up to $1,000. Rates may change after the account is open. Fees incurred may reduce earnings on the account. Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Rates accurate as of June 1, 2023.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $1,000.00; Upon turning 18, the LevelUp Savings account will automatically convert to a Club Account and receive the then current regular club rate.
Rate: 4.89% on balances up to $1000, 0.05% above $1000; APY: 5.00% on balances up to $1000, 0.05% above $1000
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Qualifications Required: Qualifications Required; 5.00% APY on balances up to $25,000.00
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
UP TO AGE 21
Compounded Quarterly
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Balances under $5,000 earn 5.00% APY; balances $5,000 and above earn 0.50% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings. Contact an Extraco Banks representative for additional information about applicable fees and terms.
Qualifications Required: If Qualifying Criteria Met; Qualifying balance up to $10,000.00
Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly.
Qualifications Required: eStatements only; active online Bill Pay service or Direct Deposit; The APY for an account balance up to $500 in a First500 Account will be 5.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. First500 Youth Accounts will earn 5.00% APY on account balances up to $500 with Digital Banking enrollment and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.
Dividends Earned Monthly
Qualifications Required: Internet access and eStatement only; Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Must have a parent or legal guardian as Joint Owner. Joint Owner must be a member in good standing.
Qualifications Required: If Qualifying Criteria Met; Qualifying balance up to $10,000.00
Balances from $1.00 to $500 earn 5.00% APY. Balances over $500 will earn the current savings APY. Variable rate accounts rates and terms are subject to change without notice. Available for children 16 and under. To obtain the blended dividend rate, there is a limit of one account for each unique minor/joint ownership. Dividends are calculated on daily balance and credited monthly. Fees could reduce earnings. Membership eligibility applies.
On Balances Up To $1000.00
First $1,000 grows at highest available rates. Your next $500 earns 3% APY.
Dividends Earned Monthly
Qualifying balance up to $1,000.00
Balances exceeding $5,000 will earn 0.100% APY.
Balances $1,000.01 and over will earn a lower, standard savings dividend rate than the first $1,000 on deposit in A$pire and AngelSavers accounts.
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Qualifications Required: being age 19 or younger; provide a valid, government issued photo ID or the social security number for minors; parent or legal guardian must be joint on the account; 5.00% applies only on the first $500 deposited as long as the member meets all requirements. Requirements include: being age 19 or younger, you must provide a valid, government issued photo ID or the social security number for minors. For minors, a parent or legal guardian must be joint on the account. At age 20 the balance will transfer to the prime share account. Deposits over $500.00 will earn the regular share savings rate. Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
APY on the first $1,000. Balances above $1,000 will earn our regular savings rate.
Make a debit purchase - We'll put 5 into a Unitus Rewards savings account for every purchase of $5.00 and up. Round up your purchase. Available with Unitus Checking.
5% Annual Percentage Yield on balances up to $5,000*; Account must be opened with eligible fair sale proceeds; Help local youth build financial confidence; eStatements
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
APY on first $500; 0.25% APY on funds over $500. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date of 10/16/2025 and subject to change without notice. Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Dividends paid on daily balances of up to $500; variable APY of 5.00%. If actual daily balance exceeds $500, the remaining balance will receive variable APY of 5%-0.25%. Dividends are calculated based on the daily balance with the sum of the daily earnings credited on the last day of each month.
Featured rate on balances up to $10,000.00; Just 4.00% APY on the balance you were already holding.
$0-500
Balances up to $1,000.00
For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
Qualifications Required; Qualifying balance up to $25,000.00
Age: 0-13 years. Account automatically changes to SmartPlus Savings account at age 14. Gesa will match deposits up to $25, in $5 increments, within the first year that the account is opened. If less than $5 is deposited at one time, a savings match equaling the amount deposited will be made within one business day of the account deposit. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit. Limit of one savings match of $5, per member, per day. Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered. Super Student Incentive deposit will be made within one business day of the presentation of a report card. Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student Match per member, per season. The incentive payments may be subject to required IRS reporting.
5.00% APY on balances up to $5,000, balances over $5,000 will earn 0.100% APY on remaining balance. Rates are subject to change.
1
Qualifying balance up to $1,000.00
Earn 5% interest on your savings for the first $1,000 saved. Rates are current as of 5/15/2025 and are subject to change without notice.
Qualifying balance up to $5,000.00. Ability to set up automatic transfers from your checking account to your savings account each month or more frequently. FDIC-Insured account.
No minimum to earn blended rate interest. No monthly service charge. Checking account required to open.
Balance: Up to and including the first $2,000.00; Qualifying balance up to $2,000.00
APY effective as of 2/09/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. $5 fee assessed for each withdrawal in excess of two during a calendar month. $10 fee charged if the account is closed within 180 days of opening. $5 service charge if balance drops below $100 at any time during the month.
A dividend rate of 5.00% will be paid on the balance in your account up to the first $1,000.00. A dividend rate of 0.10% will be paid on the portion of your balance in your account that exceeds $1,000.00. For example, a balance between $1,000-$2,000 would earn between 5.116%-2.551% APY. Assumes that all funds, including dividends, remain on deposit for 365 days.
APY (ANNUAL PERCENTAGE YIELD) IS EFFECTIVE AS OF NOVEMBER 3, 2025. APY IS SUBJECT TO CHANGES DAILY. FEES MAY REDUCE EARNINGS ON YOUR ACCOUNT. TO OPEN THIS ACCOUNT, THE BANK REQUIRES A RELATIONSHIP ACCOUNT. RELATIONSHIP IS DEFINED AS OPENING AND USING A CONSUMER OR BUSINESS CHECKING ACCOUNT WITH 1ST SECURITY BANK. VARIABLE RATE INFORMATION. THE INTEREST RATE OF THE TIER WILL BE PAID ONLY FOR THAT PORTION OF YOUR DAILY BALANCE THAT FALLS WITHIN THE TIER MINIMUM AND MAXIMUM. THE ANNUAL PERCENTAGE YIELD FOR EACH TIER WILL VARY, DEPENDING ON THE BALANCE IN THE ACCOUNT. FOR EXAMPLE, A BUSINESS OPTIMUM SAVINGS ACCOUNT WITH A DAILY BALANCE OF $150,000 WOULD EARN AN INTEREST RATE OF 4.89% ON THE FIRST $5,000. THE ACCOUNT WOULD EARN AN INTEREST RATE OF 0.25% ON THE REMAINING $145,000.; $0-$5,000
Qualifying balances of $250,000 or less only
eStatements: Free
eStatements: Free
The portion of your daily balance that ranges from $0.01 - $1,000.00, the interest rate on your account will be 4.50% and an APY of 0.00% to 4.60%. The portion of your daily balance that ranges from $1,000.01 and above, the interest rate on your account will be 0.50% and an APY of 0.50% - 4.60%.
The funds in the account that are over $1,000 will earn the regular savings rate. When a member turns 18, the entire account will earn the regular savings rate.
The Youth Savings matures on the child's 13th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Deposits can be added at any time. No withdrawals allowed prior to the age of 18. Rates may change once account is opened. The account type must be changed or the account closed when the beneficiary attains age 21.
Any Amount
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
National Savings Rate Trends
Weekly national average APYs across savings account types — compiled from 8,500+ banks & credit unions, updated nightly.
National high-yield savings rates fell 0.050 points this week to 1.985%, down from 2.035% last week.
National standard savings rates fell 0.022 points this week to 0.775%, down from 0.797% last week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current national high-yield savings average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current national high-yield savings average of 1.985% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Savings Account Earnings at Today’s National Averages
Annual interest earnings at current national average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.985% APY) | Monthly Earnings | Standard Savings (0.775% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $99.23 / year | $8.27 | $38.75 / year | $3.23 |
| $10,000 | $198.46 / year | $16.54 | $77.49 / year | $6.46 |
| $25,000 | $496.15 / year | $41.35 | $193.73 / year | $16.14 |
| $50,000 | $992.30 / year | $82.69 | $387.45 / year | $32.29 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: national savings rate averages as of September 1, 2026. | ||||
About Our National Savings Rate Database
MonitorBankRates monitors savings account rates from 8,500+ banks and credit unions across all 50 states. The national table above surfaces the highest-yield offers available to depositors nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top national rate: 1st National Bank OH offers a savings account at 12.00% APY with a minimum deposit of $500. Use the rate table above to compare all current national offers.
How to Find the Best Savings Rates
What to compare when shopping for a high-yield savings account
To find the best savings APYs, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits. Use the state filter in the table above to see how local institutions stack up against the national leaders.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current national high-yield savings average is 1.985% — but top institutions are offering as high as 12.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. National high-yield savings rates currently average 1.985% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account keeps idle cash working harder while remaining fully accessible and federally insured.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → CD rates
- You want check-writing flexibility → Money market rates
- You need daily transaction access → Checking rates
U.S. Saver Snapshot
National demographics and economic context for savers — Source: U.S. Census Bureau
At today’s national high-yield savings average of 1.985%, saving 10% of the U.S. median salary ($4,734/year) would earn an additional $94 annually in interest — and the top national offers in the table above pay even more.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Deposit Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions nationwide.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current National Avg APY | 1.985% | 0.775% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects national averages tracked in our database as of September 1, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
High-Yield Savings Calculator
See how much a high-yield savings account can earn you. Enter your deposit, monthly contribution, and time frame — or click any current national rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Savings rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from institutions’ own digital properties and manually verifying yields daily, every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield national online banks available to savers in all 50 states.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency into when that specific rate was confirmed.
Frequently Asked Questions about High-Yield Savings Accounts
What is a High-Yield Savings Account (HYSA)?
Is my money safe in an online savings account?
Savings Account vs. Certificate of Deposit (CD)?
How often do savings rates change?
Do I have to pay taxes on interest earned?
Are online banks better than local banks for savings?
How do I open an online savings account?
Can I lose money in a savings account?
Do I need a minimum deposit to open a savings account?
What are the best High-Yield Savings rates nationally right now?
- 1st National Bank OH
Ohio Homebuyer Plus Savings — 12.00% APY - Quail Creek Bank
LINQUP Savings — 10.52% APY - First FSB of Twin Falls
SuperSaver Savings — 10.47% APY - SPECTRA Credit Union
Brilliant Kids Savings — 10.38% APY - ORSA Credit Union
High Yield Savings — 10.00% APY
Savings Calculators
At the top national savings rate of 12.00% from 1st National Bank OH, a $10,000 deposit earns $1,200 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median U.S. earner is roughly $11,800. At 1.985% APY, saving $990/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsThe national high-yield savings average is 1.985% APY — variable and always accessible. A CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median U.S. earner makes $47,340/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 1.985% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.985% APY grows to roughly $37,037 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Savings Rates by State
