● Updated Oct 26, 2026Rates checked by hand against each bank’s own pageNo sponsored rankings

Savings rates · checked by hand

Where should your cash go?

Compare US savings accounts by what they would actually pay you, or see what banks abroad pay and the currency risk that comes with it.

US savings World deposits

Earnings calculator

What would you actually earn?

A first-year estimate for your balance. Short promos count only for the months they last, then the regular rate. Fees come off the top.

For $10,000 with these choices, Pibank pays the most over a year: about $440.

1
PibankPibank Savings
$440first year
Standard rate
$440 interest on $10,000 ≈ 4.40% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
2
ElevaultElevault Portfolio
$434first year
Standard rate (balances above $500,000 earn nothing)
$434 interest on $10,000 ≈ 4.34% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
3
Peak BankEnvision High Yield Savings
$427first year
New-account rate · needs new customers
$427 interest on $10,000 ≈ 4.27% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
4
EverBankPerformance Savings
$420first year
New-account rate · needs new customers
$420 interest on $10,000 ≈ 4.20% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
5
OpenbankHigh Yield Savings
$418first year
New-customer boost: 4.35% for 6 months · needs new customers
$418 interest on $10,000 ≈ 4.17% over 12 months. After the promo ends: about $400/yr at today’s rate.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
6
X MoneyStored Value Account
$400first year
Standard rate
$400 interest on $10,000 ≈ 4.00% over 12 months.
Pass-through FDIC, conditions applyChecked Oct 25, 2026 · Source ↗
7
E*TRADEPremium Savings Account
$400first year
New-account promo: 4.25% for 6 months (open by Jan 10, 2027) · needs new customers
$400 interest on $10,000 ≈ 4.00% over 12 months. After the promo ends: about $375/yr at today’s rate.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
8
CIT BankPlatinum Savings
$400first year
BOOST50 promo: +0.50 point for 6 months · needs new customers
$400 interest on $10,000 ≈ 4.00% over 12 months. After the promo ends: about $375/yr at today’s rate.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
9
BettermentCash Reserve
$373first year
New-customer boost: 4.25% on up to $1M through Feb 15, 2027 · needs new customers
$373 interest on $10,000 ≈ 3.73% over 12 months. After the promo ends: about $350/yr at today’s rate.
Pass-through FDIC, conditions applyChecked Oct 25, 2026 · Source ↗
10
WealthfrontCash Account
$355first year
Standard rate
$355 interest on $10,000 ≈ 3.55% over 12 months.
Pass-through FDIC, conditions applyCheck date not recordedCheck date not recorded · Source ↗
11
SynchronyHigh Yield Savings
$355first year
Standard rate
$355 interest on $10,000 ≈ 3.55% over 12 months.
FDIC bank depositChecked Oct 13, 2026 · Source ↗
12
MarcusOnline Savings Account
$350first year
Standard rate
$350 interest on $10,000 ≈ 3.50% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
13
BarclaysTiered Savings
$350first year
Balance tiers
$350 interest on $10,000 ≈ 3.50% over 12 months.
FDIC bank depositCheck date not recordedCheck date not recorded · Source ↗
14
Happen BankLevelUp High-Yield Savings
$320first year
New account: LevelUp rate until the first evaluation (about 2 cycles), then standard · needs new customers
$320 interest on $10,000 ≈ 3.20% over 12 months. After the promo ends: about $300/yr at today’s rate.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
15
AllySavings Account
$310first year
Standard rate
$310 interest on $10,000 ≈ 3.10% over 12 months.
FDIC bank depositCheck date not recordedCheck date not recorded · Source ↗
16
Capital One360 Performance Savings
$310first year
Standard rate
$310 interest on $10,000 ≈ 3.10% over 12 months.
FDIC bank depositChecked Oct 13, 2026 · Source ↗
17
American ExpressHigh Yield Savings
$310first year
Standard rate
$310 interest on $10,000 ≈ 3.10% over 12 months.
FDIC bank depositChecked Oct 13, 2026 · Source ↗
18
Citizens AccessSavings
$280first year
Standard rate
$280 interest on $10,000 ≈ 2.80% over 12 months.
FDIC bank depositChecked Oct 13, 2026 · Source ↗
19
Axos BankAxos ONE Savings
$100first year
Without qualifying activity
$100 interest on $10,000 ≈ 1.00% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
20
Varo BankVaro Savings
$100first year
Without qualifying
$100 interest on $10,000 ≈ 1.00% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
21
ChimeHigh-Yield Savings
$100first year
Standard rate
$100 interest on $10,000 ≈ 1.00% over 12 months.
Pass-through FDIC, conditions applyChecked Oct 13, 2026 · Source ↗
22
SoFiSavings · SoFi Plus
$80first year
No direct deposit, no Plus
$80 interest on $10,000 ≈ 0.80% over 12 months.
FDIC bank depositChecked Oct 25, 2026 · Source ↗
23
Wells FargoWay2Save Savings
$1first year
Standard rate
$1 interest on $10,000 ≈ 0.01% over 12 months.
FDIC bank depositChecked Oct 13, 2026 · Source ↗

Not counted: Robinhood (needs paid membership); Newtek Bank (not taking new applications).

How this is worked out. Balance stays the same for 12 months; rates stay where providers publish them today (they are variable); each rate is APY spread evenly by month; before tax. Promos that end on a set date count only until that date. Accounts with an unrecorded or old check date are shown but never put first. Rates checked against provider pages; list checked Oct 25, 2026.

Every account we track

Listed by advertised top rate, which often needs conditions. The calculator above ranks by what you would actually earn.

Top rates may require qualifying activity, fees, or limited balances. How we compare ↓ · Stablecoin yields ↓

01 / CASH & SAVINGS

Cash & savings.

Bank accounts, fintech savings & cash management

PROVIDER / ACCOUNTWHAT TO KNOW

X Money

Highest advertised rate

Stored Value Account

FDIC · Conditional

Base APY4.00%Standard

Top APY6.00%Conditional

6.00% with Premium+ or $1,000+ direct deposit (ACH payroll or X creator payouts) in the last 34 days; 4.00% otherwise.

Checked Oct 25, 2026 · Source ↗

Details

Variable rate. No interest for New York residents. Held at Cross River Bank and swept to partner banks, FDIC-insured up to $10M in total. Premium+ costs about $395/yr.

Pass-through coverage through partner banks; sweep program conditions apply.

Protection: Pass-through FDIC eligibility through Cross River Bank and sweep program banks; conditions and aggregate limits apply.

Rate schedule ↗ · Availability & coverage ↗ · YieldFinder listing (Oct 12, 2026) ↗

Provider rate date: 2026-07-27

Axos Bank

Axos ONE Savings

FDIC · Bank deposit

Base APY1.00%Standard

Top APY5.00%6-cycle promo · first $50k

New Axos/UFB customers: open October 1–31. Up to 5.00% on first $49,999.99 for six statement cycles; qualifying checking activity required.

Checked Oct 25, 2026 · Source ↗

Details

Each month: $1,500 qualifying direct deposits and $1,500 average checking balance, OR $5,000 qualifying deposits and $5,000 average checking balance, by the 25th. Savings average balance must not exceed $249,999.99 for the boost. Other qualifying savings earns 4.21% up to $249,999.99 and 3.50% above; without qualification, 1.00%. No monthly maintenance fee. The opening cycle counts toward the six-cycle promotion. Additional deposit-program coverage has separate conditions.

Axos Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Axos Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Provider rate date: 2026-10-04

SoFi

Savings · SoFi Plus

FDIC · Bank deposit

Base APY0.80%Standard

Top APY4.70%Plus · first $20,000

SoFi Plus costs $10/month. 4.70% applies to the first $20,000 in one eligible savings account; excess earns 3.30%.

Checked Oct 25, 2026 · Source ↗

Details

Without Plus, eligible direct deposit or qualifying deposits earns 3.30%; otherwise 0.80%. New members can instead get a limited-time 1.10-point boost to 4.40% for up to six months with eligible direct deposit or qualifying deposits. That boost cannot stack on the 4.70% tier. Subscription fees reduce net earnings. Rates current as of Oct 20, 2026.

SoFi Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at SoFi Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗ · Plus membership cost & terms ↗ · Alternative new-customer promotion ↗

Provider rate date: 2026-10-20

Wealthfront

Cash Account

FDIC · Conditional

Base APY3.55%Standard

Top APY4.55%Referral + recurring boost

4.55% on up to $150,000 for 3 months: qualifying referral, funded investing account, and recurring deposits.

Check date not recorded · Source ↗

Details

Combines the 3.55% base with a 0.75-point referral boost and a 0.25-point recurring-deposit boost. The recurring boost requires an eligible funded investing account plus $1,000 monthly direct deposits or $2,500 recurring deposits; it has no balance cap or scheduled expiry. The referral boost lasts 3 months on up to $150,000. The separate 0.65-point new-client boost is an alternative to the referral boost, not an additional stack. No Cash Account fees.

Applies to cash swept to program banks, subject to program conditions.

Protection: Cash swept to FDIC-insured program banks. Wealthfront is a brokerage, not a bank; pass-through conditions and aggregate limits apply.

Cash Account rates & terms ↗ · Published maximum & boost combinations ↗ · Referral terms ↗

Provider rate date: 2026-10-01

Marcus

Online Savings Account

FDIC · Bank deposit

Base APY3.50%Standard

Top APY4.50%3-month referral boost

Refer a new customer, or open through a qualifying referral link. +1.00 percentage point for 3 months.

Checked Oct 25, 2026 · Source ↗

Details

Standard APY is 3.50%. Referral boosts apply to accounts where you are the primary owner. New customers must not have held a Marcus savings account or CD in the previous 12 months. Additional referrals extend the boost consecutively rather than increasing the rate. Account balance limits apply. After the boost, the then-current standard rate applies. No monthly fee or minimum deposit.

Goldman Sachs Bank USA; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Savings rate & terms ↗ · Referral eligibility & boost terms ↗

Provider rate date: 2026-10-03

Pibank

Highest standard rate

Pibank Savings

FDIC · Bank deposit

Base APY4.40%Standard

Top APY4.40%Standard rate

No minimum opening balance, monthly fees, or qualifying direct-deposit requirement.

Checked Oct 25, 2026 · Source ↗

Details

Earn interest starting at $0.01. Variable APY (raised from 4.25% to 4.40%, offer valid as of Oct 21, 2026). Pibank is a brand of Intercredit Bank, so balances held under both names count toward the same FDIC limit.

Intercredit Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Intercredit Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Provider rate date: 2026-10-21

Openbank

High Yield Savings

FDIC · Bank deposit

Base APY4.00%Standard variable APY

Top APY4.35%6-month new-customer boost

New Openbank customers: 4.00% standard plus a 0.35-point boost for six months (4.35%). $500 minimum to open.

Checked Oct 25, 2026 · Source ↗

Details

The boost is added to the variable standard APY (currently 4.00%) for six months from opening, then the account earns the standard rate in effect. Personal accounts only; cannot be combined with other Santander bonus offers. Fees may reduce earnings; see Openbank's fee schedule.

Santander Bank, N.A.; Openbank and Santander deposits aggregate for coverage.

Protection: Openbank is part of Santander Bank, N.A., Member FDIC. Deposits at Santander Bank and Openbank are combined, not separately insured; the standard $250,000 limit per depositor, bank, and ownership category applies.

Official rate & boost terms ↗

No effective date published on rate page.

Elevault

Elevault Portfolio

FDIC · Bank deposit

Base APY4.34%Standard

Top APY4.34%Standard rate

No minimum deposit or fees. Interest is paid daily on balances up to $500,000; linked-account funding is capped at $2,500 a day.

Checked Oct 25, 2026 · Source ↗

Details

Variable APY of 4.34% (4.25% interest rate), which Elevault states is accurate as of May 5, 2026. Elevault is a product of Southern Bancorp. You must be a US resident aged 18 or older and scan a valid US driver’s license or state ID to enroll. You fund it by linking an account at another bank, and Elevault may close profiles left unfunded for 60 days. Balances above $500,000 do not earn interest. Elevault says VaultKeys (account and routing numbers it assigns to a Vault) let you move more than $2,500, with the sending bank setting the limit.

Southern Bancorp Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Southern Bancorp Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rate & footnotes ↗ · Account agreement & eligibility ↗

Provider rate date: 2026-05-05

Peak Bank

Envision High Yield Savings

FDIC · Bank deposit

Base APY4.27%New accounts · below $500k

Top APY4.27%New accounts · below $500k

$100 to open. New-account APY is 4.27% below $500,000; published tiers at $500,000+ earn 3.40%.

Checked Oct 25, 2026 · Source ↗

Details

No monthly maintenance fee. One account per customer; opening funds have a five-business-day hold. Advertised rates are for new accounts and may differ for existing customers. Rates are variable. Higher balance tiers do not increase FDIC protection.

Idaho First Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Idaho First Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Provider rate date: 2026-10-01

E*TRADE

Premium Savings Account

FDIC · Bank deposit

Base APY3.75%Standard

Top APY4.25%6-month promotion

New Premium Savings Accounts opened by January 10, 2027. Promotional APY applies for six months.

Checked Oct 25, 2026 · Source ↗

Details

Offered by Morgan Stanley Private Bank. No minimum opening deposit or monthly account fee. Promotion applies to eligible new accounts opened September 22, 2026–January 10, 2027, on balances up to $10 million; exceeding the cap may revert the entire balance to the standard rate. Existing accounts are ineligible. After six months, the variable base APY applies. Separate cash bonuses are excluded.

Morgan Stanley Private Bank; enhanced coverage program conditions apply.

Protection: FDIC-insured bank deposit with an enhanced coverage program; depositor, ownership, and program-bank aggregation limits apply.

Savings rates & promotion terms ↗ · Bank rate sheet ↗

No effective date published on rate page.

CIT Bank

Platinum Savings

FDIC · Bank deposit

Base APY3.75%$5,000+ balance

Top APY4.25%6-month BOOST50 promo

Maintain $5,000+ and open with promo code BOOST50: 4.25% for six months. $100 to open, no monthly fee.

Checked Oct 25, 2026 · Source ↗

Details

Base APY is 3.75% at $5,000+, or 0.25% below $5,000 (0.75% during the boost). The 0.50-point boost lasts six months from opening, then the account returns to the then-current base rate.

First-Citizens Bank & Trust Company; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at First-Citizens Bank & Trust Company. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗ · Standard balance tiers ↗

No effective date published on rate page.

Betterment

Cash Reserve

FDIC · Pass-through

Base APY3.50%Standard

Top APY4.25%New-customer boost

4.25% is a 0.75% boost for new Cash Reserve customers on up to $1M, through Feb 15, 2027; 3.50% standard.

Checked Oct 25, 2026 · Source ↗

Details

Variable APY; swept to partner banks (up to $8M joint coverage per Betterment).

Betterment; standard coverage limits apply.

Protection: Pass-through FDIC insurance through partner banks; conditions apply.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

Newtek Bank

Personal High Yield Savings

FDIC · Bank deposit

Base APY4.20%Existing accounts

Top APY4.20%Applications paused

New applications are paused; a waiting list is available. Published APY is for the existing savings product.

Checked Oct 25, 2026 · Source ↗

Details

The bank publishes 4.20% but currently does not accept new Personal High Yield Savings applications. Published account terms specify $100 to open, no ongoing minimum balance, $0.01 to earn interest, and up to six withdrawals/transfers per statement cycle. Do not treat the waiting list as an available account.

Newtek Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Newtek Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

No effective date published on rate page.

EverBank

Performance Savings

FDIC · Bank deposit

Base APY4.20%New accounts

Top APY4.20%New accounts · all balances

$0 to open. New-account APY of 4.20% on all balances; no monthly maintenance fee or minimum balance.

Checked Oct 25, 2026 · Source ↗

Details

Variable APY for new accounts only, which EverBank states is accurate as of October 2, 2026; it may not apply to existing accounts. Interest compounds daily. The account opens only online or by phone, not at EverBank financial centers. Fees may reduce earnings.

EverBank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at EverBank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rate & account terms ↗

Provider rate date: 2026-10-02

Happen Bank

LevelUp High-Yield Savings

FDIC · Bank deposit

Base APY3.00%Standard rate

Top APY4.20%LevelUp · $250+/month deposits

Deposit at least $250 per statement cycle to earn 4.20% on the full balance; otherwise 3.00%. $0 to open, no minimum balance, no account fees.

Checked Oct 25, 2026 · Source ↗

Details

Variable APYs accurate as of October 6, 2026. The rate is evaluated each statement cycle based on deposits in the previous cycle; interest payments, bonuses, credits, and refunds do not count as deposits. New accounts earn the LevelUp Rate until the first evaluation, which is the third statement cycle after opening. Multiple deposits can add up to the $250. Fees may reduce earnings.

Happen Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Happen Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Provider rate date: 2026-10-06

Chime

High-Yield Savings

FDIC · Pass-through

Base APY1.00%Standard

Top APY4.00%Conditional

4.00% as a Chime Prime member or 3.00% as Chime Plus, both need a qualifying direct deposit; 1.00% otherwise.

Checked Oct 13, 2026 · Source ↗

Details

Variable APY.

Chime; standard coverage limits apply.

Protection: Pass-through FDIC insurance through partner banks; conditions apply.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

Varo Bank

Varo Savings

FDIC · Bank deposit

Base APY1.00%Standard

Top APY3.75%Qualifying · first $5,000

Receive $1,000+ qualifying direct deposits and end the month with positive balances in all Varo accounts.

Checked Oct 25, 2026 · Source ↗

Details

Qualify this month to earn 3.75% on up to $5,000 next month; other savings earns 1.00%. Requires a Varo Bank Account. No monthly savings fee or minimum balance. US adult eligibility applies.

Varo Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Varo Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Provider rate date: 2026-07-01

Barclays

Tiered Savings

FDIC · Bank deposit

Base APY3.50%Below $250,000

Top APY3.65%$250k–$1m tier

3.50% below $250,000; 3.65% for $250,000–$1,000,000. No minimum to open or monthly maintenance fee.

Check date not recorded · Source ↗

Details

Variable APY based on the tier containing your end-of-day balance. The published tiers stop at $1 million; confirm treatment of larger balances with Barclays. This is a balance-tier rate, not a temporary boost. The separate Barclays Online Savings account pays 3.20% APY as of September 11, 2026. Cash signup bonuses are excluded from this comparison.

Standard FDIC limits apply; the $250k–$1m yield tier does not increase coverage.

Protection: Barclays Bank Delaware is an FDIC member. The standard limit is $250,000 per depositor, per bank, per ownership category, including other deposits at the same bank. A higher APY balance tier does not increase insurance coverage; amounts above applicable limits may be uninsured.

Tiered Savings rates & balance tiers ↗ · Separate Online Savings rate ↗

Provider rate date: 2026-09-11

Robinhood

High-Yield Cash Program

FDIC · Mixed coverage

Base APY—Membership required

Top APY3.60%Gold membership

Robinhood Gold ($5/month) and enrollment for eligible cash in self-directed taxable investing accounts.

Checked Oct 25, 2026 · Source ↗

Details

Variable rate, effective September 17, 2026. Applies to eligible settled cash, including options collateral. Up to $10,000 of eligible uninvested cash stays in the Brokerage-Held Cash Program; amounts above that are swept to banks. Managed Robinhood Strategies accounts also earn this rate on swept cash without Gold. Fees reduce net earnings.

Swept bank cash is eligible. Brokerage-held cash and options collateral are not FDIC insured.

Protection: Protection depends on where cash is held. Brokerage-held cash is not an FDIC-insured bank deposit; bank-swept cash is subject to program-bank deposit coverage terms. Robinhood is not a bank.

High-Yield Cash rate & eligibility ↗ · Cash sweep coverage ↗ · Program agreement & coverage distinctions ↗

Provider rate date: 2026-09-17

Synchrony

High Yield Savings

FDIC · Bank deposit

Base APY3.55%Standard

Top APY3.55%Standard rate

No minimum deposit or balance, no monthly fee.

Checked Oct 13, 2026 · Source ↗

Details

Variable APY.

Synchrony; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

Ally

Savings Account

FDIC · Bank deposit

Base APY3.10%Standard

Top APY3.10%Standard rate

No minimum opening deposit or monthly maintenance fee.

Check date not recorded · Source ↗

Details

Variable APY, currently the same across all balance tiers. Certain withdrawals and transfers are limited to 10 per statement cycle; consult account terms.

Ally Bank; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Savings rate & terms ↗

Provider rate date: 2026-10-01

Capital One

360 Performance Savings

FDIC · Bank deposit

Base APY3.10%Standard

Top APY3.10%Standard rate

No minimum, no monthly fee. Discover Online Savings now points to this account.

Checked Oct 13, 2026 · Source ↗

Details

Variable APY; same rate on all balances.

Capital One; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

American Express

High Yield Savings

FDIC · Bank deposit

Base APY3.10%Standard

Top APY3.10%Standard rate

No minimum balance or monthly fee.

Checked Oct 13, 2026 · Source ↗

Details

Variable APY.

American Express; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

Citizens Access

Savings

FDIC · Bank deposit

Base APY2.80%Standard

Top APY2.80%Standard rate

No fees; same rate on all balances.

Checked Oct 13, 2026 · Source ↗

Details

Variable APY. Bank lists the rate as accurate as of Jul 28, 2026.

Citizens Access; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Observed: 2026-10-13

Wells Fargo

Way2Save Savings

FDIC · Bank deposit

Base APY0.01%Standard

Top APY0.01%Standard rate

Big-bank benchmark: what most branch savings pay.

Checked Oct 13, 2026 · Source ↗

Details

Ethereum

0.22%

USDE · $251M in pool

How we compare: base vs. top APY, checks, caveats

BEHIND THE NUMBERS

Read the rate.
Then the terms.

Base vs. top

Coverage is curated across US providers; CDs, targeted offers, and cash signup bonuses are excluded. Base is the standard rate for the stated tier. Top is the highest verified public offer for the listed account, including referral boosts, promotions, and qualifying tiers. Caps, fees, and eligibility appear alongside it; boosts are combined only where the provider permits.

Checked, not streamed

This is a reviewed snapshot of official provider pages, checked 2026-10-25. Rates are rechecked daily against those pages, not streamed live. Every listing links to its sources and provider date when available.

APY isn’t take-home yield

APY includes compounding. Membership costs, taxes, balance caps, and temporary boosts affect what you earn. Rates are variable; a three-month promotion is not a one-year return.

What FDIC coverage means

FDIC coverage is generally $250,000 per depositor, per insured bank, per ownership category. Deposits held directly or through different apps at the same bank count together. Pass-through coverage requires program conditions to be met. It covers insured bank failure, not a fintech platform’s failure or crypto losses. FDIC coverage rules ↗

How we source this

Every rate and card term comes from the institution’s own website, not from comparison sites. Each row shows when we last checked. We cover the biggest US banks by assets, the major fintech apps, and newer startups. Nobody pays to be listed or ranked higher.

Institution	Product	Status	Checked
JPMorgan Chase	Chase Savings	Not listed: Rate only shown after entering a ZIP code	2026-10-25
Bank of America	Advantage Savings	Not listed: Rate only shown after entering a ZIP code	2026-10-25
Citi	Citi Accelerate Savings	Checked: Page would not load for our check	2026-10-25
Wells Fargo	Way2Save Savings	Checked	2026-10-25
U.S. Bank	Standard Savings	Not listed: Only an "up to" bundled rate shown; base rate varies by location	2026-10-25
PNC	High Yield Savings	Not listed: Headline rate shown without its conditions or state availability	2026-10-25
Capital One	360 Performance Savings	Checked	2026-10-25
Goldman Sachs (Marcus)	Marcus High-Yield Savings	Checked	2026-10-25
Truist	Truist One Savings	Not listed: Rate only shown after entering a ZIP code	2026-10-25
American Express	Amex High Yield Savings	Checked	2026-10-25
Discover	Online Savings	Checked: Now redirects to Capital One 360 Performance Savings	2026-10-25
Ally	Online Savings	Checked	2026-10-25
Synchrony	High Yield Savings	Checked	2026-10-25
Citizens	Citizens Access Savings	Checked	2026-10-13
Fifth Third	Momentum Savings	Not listed: Page would not load for our check	2026-10-13
SoFi	Checking & Savings	Checked	2026-10-25
Chime	Chime Savings	Checked	2026-10-13
Robinhood	Gold cash sweep	Checked	2026-10-25
Wealthfront	Cash Account	Checked	2026-10-25
Betterment	Cash Reserve	Checked	2026-10-25
Apple	Apple Card Savings	Not listed: Savings page moved; no rate found	2026-10-13
PayPal	PayPal Savings	Not listed: Savings page moved; no rate found	2026-10-13
Revolut	Revolut US savings	Not listed: "Up to" rate; which plan earns it is not stated	2026-10-25
Varo	Varo Savings	Not listed: could not verify	2026-10-13
Current	Savings Pods	Not listed: No savings rate published on the homepage	2026-10-25
X Money	X Money balance	Checked	2026-10-25
Mercury	Mercury Treasury	Not listed: Business accounts only	2026-10-25
Jiko	Jiko T-bill account	Not listed: No rate published	2026-10-25
Atomic	Atomic Treasury	Not listed: No rate published	2026-10-25

↑ Filters

Banks abroad · 10 tracked countries

Higher rates abroad come with currency risk.

Banks in some countries pay far more than US savings, but in their own currency. If that currency falls against the dollar, it can wipe out the extra interest, or more.

This covers the 10 countries we track, not the whole world. The highest headline rate here is Turkey at 44.5% (32 days).

Why Kyrgyzstan gets extra detail: we track 8 of its banks, more than any other country here. It is not the highest rate on this list. The KGS moved +1.7% against the dollar from Oct 12, 2023 (NBKR official USD/KGS) to Oct 26, 2026; that says nothing about what it will do next.

Compare the 10 countries

Sorted by the bank’s advertised rate in local money. Switch to see a dollar estimate that includes the currency.

Country	Top rate we track	Currency vs $	Est. 12-month USD result*	Deposit insurance	Checked
Turkey3 banks tracked	44.5%Türk Ticaret Bankası · 32 days · TRY	−44.2% since Oct 12, 2023 (−17.5%/yr)Today 49.76 per $ · official	+19.2%	Limit not verified	Oct 26, 2026 · Source ↗
Nigeria1 bank tracked	22.4%Ecobank Nigeria · varies · NGN	−43.7% since Oct 12, 2023 (−17.2%/yr)Today 1,367 per $ · official	+1.3%	Limit not verified	Oct 25, 2026 · Source ↗
Uzbekistan2 banks tracked	20.05%AVO Bank · 12 mo · UZS	+3.1% since Oct 12, 2023 (+1.0%/yr)Today 11,844 per $ · market rate, not official	+21.3%	200,000,000 UZS (≈$16,887)	Oct 25, 2026 · Source ↗
Argentina1 bank tracked	19.25%Banco de la Nación · 30 days · ARS	−77.3% since Oct 12, 2023 (−38.6%/yr)Today 1,541 per $ · official	−26.8%	Limit not verified	Oct 25, 2026 · Source ↗
Kazakhstan2 banks tracked	18%Kaspi Bank · 3 mo · KZT	+5.7% since Oct 12, 2023 (+1.8%/yr)Today 451.1 per $ · official	+20.2%	10,000,000 KZT (≈$22,170)	Oct 26, 2026 · Source ↗
Kyrgyzstan8 banks tracked	14.5%Capital Bank · 24–36 mo · KGS	+1.7% since Oct 12, 2023 (+0.6%/yr)Today 87.45 per $ · official	+15.1%	1,000,000 KGS (≈$11,435)	Oct 25, 2026 · Source ↗
Brazil1 bank tracked	13.65%Nubank · daily liquidity · BRL	−8.2% since Oct 12, 2023 (−2.8%/yr)Today 5.501 per $ · official	+10.5%	250,000 BRL (≈$45,449)	Oct 25, 2026 · Source ↗
Georgia2 banks tracked	9.25%Bank of Georgia · 12 mo · GEL	+3.8% since Oct 12, 2023 (+1.2%/yr)Today 2.597 per $ · official	+10.6%	50,000 GEL (≈$19,256)	Oct 25, 2026 · Source ↗
Armenia2 banks tracked	9.2%Ameriabank · 550–730 days · AMD	+10.2% since Oct 12, 2023 (+3.2%/yr)Today 360.9 per $ · official	+12.7%	Limit not verified	Oct 25, 2026 · Source ↗
United States (baseline)1 bank tracked	4.27%Peak Bank · no term · USD	—	+4.3%	250,000 USD	Oct 25, 2026 · Source ↗

*A what-if, not a forecast: the headline rate for 12 months (rolled over at the same rate), then converted at a rate that moved the same amount per year as it did since Oct 12, 2023. Before tax and conversion costs. Past currency moves don’t predict future ones, and a steady stretch doesn’t make a currency safe. Start rates from each central bank (links per country below); today’s rates from each central bank where we can reach it (otherwise a market rate, labelled in the table), Oct 26, 2026. Insurance limits in local money with an approximate dollar value at today’s rate; deposit rates checked Oct 26, 2026.

Dollar calculator

What would you have in dollars?

Change the currency move to see how much a fall can cost. The break-even tells you how far the currency can fall before you’d have done better keeping dollars.

Negative = the local currency falls against the dollar. The 1% conversion cost is our assumption; ask your bank for its real spread.

At 44.5% a year for 1 month, the deposit earns 3.7% in TRY over the whole term (the annual rate is not what you get unless the term is 12 months).

Currency rises 10%$11,181$1,181 vs your $10,000

Currency moves +0%$10,164$164 vs your $10,000

Currency falls 10%$9,148$-852 vs your $10,000

US savings instead$10,037Pibank, 4.4%

Break-even: you lose dollars if the TRY falls more than 1.6% over the term, and you do worse than US savings if it falls more than 1.3%.

Assumptions. Simple interest paid at the end of the term (no compounding inside the deposit); the rate is annual, so a 3-month deposit earns a quarter of it. Money converted to local currency at the start and back to dollars at the end. US comparison: Pibank at 4.4%, held for the same term. Before tax; US taxpayers owe US tax on foreign interest and may need to file FBAR/FATCA reports.

Bank-by-bank details, how foreigners open accounts, and a look back at Kyrgyzstan

LOOKING BACK · KYRGYZSTAN (HINDSIGHT, NOT A PREDICTION)

$500,000 in a som deposit, October 2023 → today

Converted at the NBKR rate of 88.92 KGS/USD on 2023-10-12, compounded yearly for 3 years, converted back at today’s 87.45. The som moved -1.7% against the dollar, so the currency barely hurt. We don’t have a verified 2023 rate sheet yet, so these are scenarios, not what a bank actually paid then. Kyrgyz rates on the table today top out at 14.5% (Capital Bank, 24–36 mo). The US baseline is 4.27% for 3 years = $566,824.

Scenario	Rate	Start (KGS)	After 3 yrs (KGS)	In USD today	Gain
Caller’s “up to 15%” scenario	15%	44,460,000 KGS	67,618,102 KGS	$773,220	+54.6%
Best KGS rate on the table today (14.5%)	14.5%	44,460,000 KGS	66,739,956 KGS	$763,178	+52.6%

Before tax. Most products don’t compound inside one deposit; this assumes you roll it over each year at the same rate. The insurance cap is 1M som (about $11,435), so $500k is almost all uninsured unless you spread it over many banks. Other risks: devaluation, rules on moving money out of the country, and AML checks on large inbound wires. US taxpayers owe US tax on foreign interest and must file FBAR/FATCA reports.

TOP RATE WE TRACK, BY COUNTRY

Country	Top tracked rate	Bank	Currency	Currency vs USD since start date	Deposit insurance
Turkey	44.5%	Türk Ticaret Bankası	TRY	−44%	TMSF covers up to a set lira amount per person per bank (check…
Nigeria	22.4%	Ecobank Nigeria	NGN	−44%	NDIC per-depositor limit (check current figure)
Uzbekistan	20.05%	AVO Bank	UZS	+3%	Up to 200 million soum per depositor per bank (Deposit Guarantee…
Argentina	19.25%	Banco de la Nación	ARS	−77%	SEDESA guarantee up to a set peso amount (check current limit)
Kazakhstan	18%	Kaspi Bank	KZT	+6%	Up to 10 million tenge for tenge savings deposits (KDIF; limits…
Kyrgyzstan	14.5%	Capital Bank	KGS	+2%	Up to 1,000,000 som per depositor (Deposit Protection Agency, per…
Brazil	13.65%	Nubank	BRL	−8%	FGC up to R$250,000 per CPF per institution
Georgia	9.25%	Bank of Georgia	GEL	+4%	Up to GEL 50,000 per depositor per bank, non-residents included
Armenia	9.2%	Ameriabank	AMD	+10%	Deposit Guarantee Fund of Armenia (check current limit)
United States (baseline)	4.27%	Peak Bank	USD	—	FDIC $250,000 per depositor per bank per ownership category

Local-currency rates. Tap a country below for every bank, terms, how foreigners open accounts and sources.

BANK BY BANK

Kyrgyzstan · best 14.5% (Capital Bank, KGS) · 8 products

Today 1 USD = 87.45 KGS · 2023-10-12: 88.92 (NBKR official USD/KGS) · local currency gained 2% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Capital Bank Kapital Standard term deposit	KGS	14.5% 24–36 mo; bank states effective up to 14.37%	24–36 mo	1,000 KGS / 50 USD	USD 2.0% (36 mo)	Branch (confirm non-resident rules)	source ↗ verified 2026-10-25
MBANK Term deposit online (app)	KGS	14.1% 18 mo offer from Oct 14, 2026; 12.5% at 24–36 mo	18 mo	1,000 KGS / 100 USD	USD 3.0% (up to 12 mo)	MBANK app; residents and non-residents per the bank listing (confirm)	source ↗ verified 2026-10-25
BAKAI Bank Online deposit (app)	KGS	14%	24 mo	1,000 KGS	USD up to 2.0% (36 mo)	Opened in the BAKAI app by existing clients; becoming a client means a branch visit with passport (confirm)	source ↗ verified 2026-10-25
Aiyl Bank (ABank) Kench term deposit	KGS	14% effective up to 14.66%	36 mo	1,000 KGS / 20 USD	USD effective up to 2.01%	Branch (confirm non-resident rules)	source ↗ verified 2026-10-25
DemirBank Standard time deposit (online)	KGS	13.5%	24–36 mo	2,500 KGS online / 5,000 KGS branch	USD 3.5% (36 mo, online)	Branch or internet/mobile banking once a client (confirm non-resident rules)	source ↗ verified 2026-10-25
FINCA Bank Term deposit	KGS	13.5% effective up to 14.37%	24–36 mo	7,000 KGS	USD effective up to 2.02%	Branch (confirm)	source ↗ verified 2026-10-25
KICB Time deposit	KGS	13%	36 mo	10,000 KGS / 100 USD	USD 2.0% (24 mo)	Branch (confirm)	source ↗ verified 2026-10-12
Optima Bank Optimal Income (USD)	USD	3.5%	18 mo	see bank	new rates from Oct 12, 2026	Branch (confirm)	source ↗ verified 2026-10-12

Deposit insurance: Up to 1,000,000 som per depositor (Deposit Protection Agency, per bank pages)

Uzbekistan · best 20.05% (AVO Bank, UZS) · 2 products

Today 1 USD = 11,844 UZS · 2023-10-12: 12,216 (CBU official USD/UZS (via bank.uz archive)) · local currency gained 3% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
AVO Bank AVO Deposit (app)	UZS	20.05% up to 22% with monthly compounding	12 mo	100,000 UZS for full rate	—	Fully online in the app (non-resident eligibility: confirm)	source ↗ verified 2026-10-25
ANORBANK Term deposit	UZS	20%	24 mo	see bank	—	App/branch (confirm)	source ↗ verified 2026-09-23

Deposit insurance: Up to 200 million soum per depositor per bank (Deposit Guarantee Agency, Law ZRU-1031)

Kazakhstan · best 18% (Kaspi Bank, KZT) · 2 products

Today 1 USD = 451.1 KZT · 2023-10-12: 476.8 (National Bank of Kazakhstan official USD/KZT) · local currency gained 6% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Kaspi Bank Savings Kaspi Deposit	KZT	18% effective, from Oct 2, 2026	3 mo	100,000 KZT	—	Kaspi app; needs Kazakh IIN (confirm)	source ↗ verified 2026-10-26
Halyk Bank Universal	KZT	14.32% 15.3% effective (6 mo)	6–12 mo	1,000 KZT	USD/EUR 0.98% (12 mo)	Branch/app (confirm)	source ↗ verified 2026-10-25

Deposit insurance: Up to 10 million tenge for tenge savings deposits (KDIF; limits differ by deposit type)

Turkey · best 44.5% (Türk Ticaret Bankası, TRY) · 3 products

Today 1 USD = 49.76 TRY · 2023-10-12: 27.75 (ECB reference via Frankfurter) · local currency lost 44% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Türk Ticaret Bankası Salkım Hesap	TRY	44.5% 90-day welcome rate; first 100k TRY earns no interest; 17.5% withholding	32 days	see bank	—	Needs Turkish tax number (confirm)	source ↗ verified 2026-10-26
Alternatifbank Time deposit	TRY	44%	32 days	100,000 TRY tier	—	Needs Turkish tax number (confirm)	source ↗ verified 2026-10-25
ON Dijital Time deposit	TRY	41.5%	181–365 days	100,000 TRY tier	—	Digital (confirm)	source ↗ verified 2026-10-25

Deposit insurance: TMSF covers up to a set lira amount per person per bank (check current limit)

Nigeria · best 22.4% (Ecobank Nigeria, NGN) · 1 product

Today 1 USD = 1,367 NGN · 2023-10-12: 770 (CBN official central USD/NGN) · local currency lost 44% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Ecobank Nigeria Fixed deposit (CBN-reported avg)	NGN	22.4%	varies	see bank	—	Needs BVN (confirm)	source ↗ verified 2026-10-25

Deposit insurance: NDIC per-depositor limit (check current figure)

Argentina · best 19.25% (Banco de la Nación, ARS) · 1 product

Today 1 USD = 1,541 ARS · 2023-10-12: 349.9 (BCRA official USD/ARS) · local currency lost 77% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Banco de la Nación Plazo fijo online (TNA)	ARS	19.25%	30 days	see bank	—	Needs CUIL/CUIT and local account	source ↗ verified 2026-10-25

Deposit insurance: SEDESA guarantee up to a set peso amount (check current limit)

Brazil · best 13.65% (Nubank, BRL) · 1 product

Today 1 USD = 5.501 BRL · 2023-10-12: 5.048 (ECB reference via Frankfurter) · local currency lost 8% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Nubank Caixinha (100% of CDI)	BRL	13.65% gross; income tax on yield	daily liquidity	none	—	Needs CPF (confirm)	source ↗ verified 2026-10-25

Deposit insurance: FGC up to R$250,000 per CPF per institution

Georgia · best 9.25% (Bank of Georgia, GEL) · 2 products

Today 1 USD = 2.597 GEL · 2023-10-12: 2.696 (National Bank of Georgia official USD/GEL) · local currency gained 4% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Bank of Georgia Term deposit	GEL	9.25% effective, as of Aug 2026	12 mo	see bank	—	Non-residents can open (in person; confirm)	source ↗ verified 2026-10-25
TBC Bank Term deposit	GEL	8.85% effective, as of Aug 2026	12 mo	see bank	—	Non-residents can open (in person; confirm)	source ↗ verified 2026-10-25

Deposit insurance: Up to GEL 50,000 per depositor per bank, non-residents included

Armenia · best 9.2% (Ameriabank, AMD) · 2 products

Today 1 USD = 360.9 AMD · 2023-10-12: 397.7 (Central Bank of Armenia official USD/AMD) · local currency gained 10% vs USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Ameriabank Ameria Deposit	AMD	9.2%	550–730 days	see bank	—	Branch (confirm)	source ↗ verified 2026-10-25
Ardshinbank Standard deposit	AMD	9%	550–730 days	see bank	—	Branch (confirm)	source ↗ verified 2026-10-25

Deposit insurance: Deposit Guarantee Fund of Armenia (check current limit)

United States (baseline) · best 4.27% (Peak Bank, USD) · 1 product

Today 1 USD = 1 USD

Bank / product	Cur.	Rate	Term	Minimum	USD/EUR option	Foreigners / how to open	Source
Peak Bank High-yield savings	USD	4.27%	no term	see bank	—	Online, US residents	source ↗ verified 2026-10-25

Deposit insurance: FDIC $250,000 per depositor per bank per ownership category

Where should your cash go?

What would you actually earn?

Every account we track

Cash & savings.

X Money

Axos Bank

SoFi

Wealthfront

Marcus

Pibank

Openbank

Elevault

Peak Bank

E*TRADE

CIT Bank

Betterment

Newtek Bank

EverBank

Happen Bank

Chime

Varo Bank

Barclays

Robinhood

Synchrony

Ally

Capital One

American Express

Citizens Access

Wells Fargo

Stablecoin lending pays about the same as top savings, but with no FDIC insurance.

Sky

Maple

Ethena

Morpho

Morpho

Maple

Maple

Aave v3

Sky

Spark

Sky

Spark

Aave v3

Spark

Aave v3

Aave v3

Aave v3

Aave v3

Aave v3

Read the rate.Then the terms.

Base vs. top

Checked, not streamed

APY isn’t take-home yield

What FDIC coverage means

Higher rates abroad come with currency risk.

Compare the 10 countries

What would you have in dollars?

$500,000 in a som deposit, October 2023 → today

Read the rate.
Then the terms.