RATE INDEX · UPDATED OCT 27, 2026
Today's rates, ranked.
The Savings Index sits at 3.54%. The national average is 0.38%. Ranked by APY alone, with the fine print beside each rate.
| # | BANK | APY | VS. NAT. AVG | MIN. DEPOSIT | MONTHLY FEE | INSURED |
|---|---|---|---|---|---|---|
| 01 | Happen Bank LevelUp Savings Formerly LendingClub. Needs $250+ in deposits each statement cycle; otherwise 3.00% | 4.20% | 11.1× | $0 | $0 | FDIC |
| 02 | Bread Savings High-Yield Savings | 4.05% | 10.7× | $100 | $0 | FDIC |
| 03 | Synchrony Bank High Yield Savings | 3.75% | 9.9× | $0 | $0 | FDIC |
| 04 | CIT Bank Platinum Savings · as of Jul 1, 2026 3.75% on balances of $5,000+; 0.25% below | 3.75% | 9.9× | $100 | $0 | FDIC |
| 05 | Marcus by Goldman Sachs Online Savings · via RateBrain | 3.50% | 9.2× | $0 | $0 | FDIC |
| 06 | SoFi Savings · as of Oct 20, 2026 Needs direct deposit or $5,000+ in deposits every 31 days; otherwise 0.80% | 3.30% | 8.7× | $0 | $0 | FDIC |
| 07 | UFB Direct Portfolio Savings A division of Axos Bank. New accounts opened by Oct 31 can get a 4.01% promo for 6 months | 3.26% | 8.6× | $0 | $0 | FDIC |
| 08 | Barclays Online Savings · as of Oct 7, 2026 | 3.20% | 8.4× | $0 | $0 | FDIC |
| 09 | Ally Bank Savings Account | 3.20% | 8.4× | $0 | $0 | FDIC |
| 10 | American Express High Yield Savings | 3.20% | 8.4× | $0 | $0 | FDIC |
| 11 | Capital One 360 Performance Savings | 3.20% | 8.4× | $0 | $0 | FDIC |
| 12 | Alliant Credit Union High-Rate Savings · as of Oct 8, 2026 Membership required. Needs a $100 average daily balance to earn | 3.01% | 7.9× | $5 | $0 | NCUA |
| 13 | Navy Federal Credit Union Share Savings Membership limited to the armed forces, veterans and their families | 0.25% | 0.7× | $5 | $0 | NCUA |
| 14 | Wells Fargo Way2Save Savings $5 fee waived with a $300 daily balance or a recurring transfer from Wells Fargo checking. Rates vary by location | 0.01% | 0.0× | $25 | $5 | FDIC |
| 15 | Chase Chase Savings · via Bankrate · as of Apr 1, 2026 $5 fee waived with a $300 daily balance or a recurring transfer from Chase checking. Rates vary by location | 0.01% | 0.0× | $0 | $5 | FDIC |
APYs are variable for savings and money market accounts and fixed for the CD term. Confirm the current rate with the bank before opening an account. How we rank.