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Highest savings account rate: 5.00% APY

302 offers from 57 institutions · High-yield and standard savings accounts, ranked by APY.

Highest APY

5.00%
Axos Bank
Axos ONE Savings · promotional, first $49,999.99 · promo

recorded 2026-11-01 · source ↗

302 offers57 institutionsmedian 0.35%

Spread of recorded rates

0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%
01
Wright-Patt Credit Union
TrueSaver: Qualifying Balance
Savings · $0.01 to $1,000.00 · View at bank ↗
7.00 % APYrecorded 2026-11-01
02
Wright-Patt Credit Union
Enhanced Health Savings Account ("HSA")
Savings · $0.01 to $1,000.00 · View at bank ↗
7.00 % APYrecorded 2026-11-01
03
BECU
Savings with Member Advantage
Savings · On the first $500 · View at bank ↗
5.12 % APYrecorded 2026-11-01
04
BECU
Early Saver
Savings · On the first $500 · View at bank ↗
5.12 % APYrecorded 2026-11-01
05
Axos Bank
Axos ONE Savings
Savings · promotional, first $49,999.99 · promo · View at bank ↗
5.00 % APYrecorded 2026-11-01
06
Digital Federal Credit Union
Primary Savings
Savings · Up to and including the first $1,000.00 · View at bank ↗
5.00 % APYrecorded 2026-11-01
07
Langley Credit Union
Langley Saves
Savings · Up to $500 · View at bank ↗
5.00 % APYrecorded 2026-11-01
08
OnPoint Community Credit Union
OnPoint Savers Account
Savings · $5.00 - $500 · View at bank ↗
5.00 % APYrecorded 2026-11-01
09
Openbank by Santander
High Yield Savings
Savings · Intro APY Boost, new customers, first 6 months · promo · View at bank ↗
4.35 % APYrecorded 2026-11-01
10
Axos Bank
Axos ONE Savings
Savings · boosted, first $249,999.99 · View at bank ↗
4.21 % APYrecorded 2026-11-01
11
EverBank (formerly TIAA Bank)
EverBank Performance® Savings
Savings · All Balances · View at bank ↗
4.20 % APYrecorded 2026-11-01
12
LendingClub Bank (now Happen Bank)
LevelUp Savings
Savings · LevelUp Rate: $250+ deposits in the evaluation period · View at bank ↗
4.20 % APYrecorded 2026-11-01
13
Newtek Bank
High Yield Savings
Savings · View at bank ↗
4.20 % APYrecorded 2026-11-01
14
SchoolsFirst FCU
12-Month Coverdell Education Savings Account
Savings · 12 months · View at bank ↗
4.20 % APYrecorded 2026-11-01
15
SchoolsFirst FCU
12-Month College Saver
Savings · 12 months · View at bank ↗
4.05 % APYrecorded 2026-11-01
16
Axos Bank
Summit Savings
Savings · up to 6 months · promo · View at bank ↗
4.01 % APYrecorded 2026-11-01
17
Climate First Bank
Super Duper Savings
Savings · View at bank ↗
4.01 % APYrecorded 2026-11-01
18
UFB Direct
UFB Portfolio Savings
Savings · up to 6 months · promo · View at bank ↗
4.01 % APYrecorded 2026-11-01
19
EagleBank
Eagle High-Yield Savings Account
Savings · View at bank ↗
4.00 % APYrecorded 2026-11-01
20
Ivy Bank
High-Yield Savings Account
Savings · $2,500 to $1,000,000 · View at bank ↗
4.00 % APYrecorded 2026-11-01
21
Openbank by Santander
High Yield Savings
Savings · Standard variable APY · View at bank ↗
4.00 % APYrecorded 2026-11-01
22
Quorum Federal Credit Union
HighMarq Savings
Savings · Tier 2 · from $10,000 · View at bank ↗
4.00 % APYrecorded 2026-11-01
23
Sallie Mae Bank
High-Yield Savings Account
Savings · View at bank ↗
4.00 % APYrecorded 2026-11-01
24
Bask Bank
Bask Interest Savings
Savings · View at bank ↗
3.90 % APYrecorded 2026-11-01
25
Forbright Bank
Growth Savings
Savings · View at bank ↗
3.85 % APYrecorded 2026-11-01
26
Langley Credit Union
High-Yield Savings
Savings · Up to $25,000 · View at bank ↗
3.75 % APYrecorded 2026-11-01
27
Langley Credit Union
High-Yield Savings (with MyDesign Checking Steady Saver)
Savings · Up to $50,000 · View at bank ↗
3.75 % APYrecorded 2026-11-01
28
Presidential Bank
Advantage Savings
Savings · With an Advantage Checking Account · View at bank ↗
3.75 % APYrecorded 2026-11-01
29
Rising Bank
High Yield Savings Account
Savings · $1,000–$500,000 · View at bank ↗
3.75 % APYrecorded 2026-11-01
30
State Employees' Credit Union
Summer Cash
Savings · View at bank ↗
3.75 % APYrecorded 2026-11-01
31
Varo Bank
High Yield Savings Account
Savings · balance up to $5,000 with qualifying deposits · View at bank ↗
3.75 % APYrecorded 2026-11-01
32
Salem Five Direct
eOne Savings
Savings · Daily balances $0.01 to $1,000,000 · View at bank ↗
3.66 % APYrecorded 2026-11-01
33
Climate First Bank
Youth Savings
Savings · View at bank ↗
3.56 % APYrecorded 2026-11-01
34
Lafayette Federal CU
Premier Savings Account
Savings · next $250,000.00 – $99,999,999.99 · View at bank ↗
3.56 % APYrecorded 2026-11-01
35
State Employees' Credit Union
IRA (Traditional, Roth, SEP)
Savings · View at bank ↗
3.56 % APYrecorded 2026-11-01
36
State Employees' Credit Union
Coverdell Education Savings Account
Savings · View at bank ↗
3.56 % APYrecorded 2026-11-01
37
State Employees' Credit Union
Health Savings Account
Savings · View at bank ↗
3.56 % APYrecorded 2026-11-01
38
Atlantic Union Bank
High Yield Savings
Savings · under $50,000 · View at bank ↗
3.50 % APYrecorded 2026-11-01
39
Atlantic Union Bank
High Yield Savings
Savings · $50,000 or more · View at bank ↗
3.50 % APYrecorded 2026-11-01
40
Atlantic Union Bank
High Yield Savings
Savings · View at bank ↗
3.50 % APYrecorded 2026-11-01
41
Axos Bank
Axos ONE Savings
Savings · boosted, above $249,999.99 · View at bank ↗
3.50 % APYrecorded 2026-11-01
42
Marcus by Goldman Sachs
Online Savings Account
Savings · View at bank ↗
3.50 % APYrecorded 2026-11-01
43
OnPoint Community Credit Union
Member Savings
Savings · $0 - $1,000 · View at bank ↗
3.50 % APYrecorded 2026-11-01
44
OnPoint Community Credit Union
OnPoint Premium Savings Account
Savings · $0 - $100,000 · View at bank ↗
3.50 % APYrecorded 2026-11-01
45
Quorum Federal Credit Union
HighQ Savings Account
Savings · View at bank ↗
3.50 % APYrecorded 2026-11-01
46
U.S. Bank
U.S. Bank Smartly Savings
Savings · relationship rate with a Smartly Checking, Safe Debit or Smartly Visa Signature Card · promo · View at bank ↗
3.50 % APYrecorded 2026-11-01
47
Lafayette Federal CU
Premier Savings Account
Savings · next $150,000 · View at bank ↗
3.46 % APYrecorded 2026-11-01
48
Idaho Central Credit Union
High-Yield Online Savings Account
Savings · $1,000 - $24,999 · View at bank ↗
3.40 % APYrecorded 2026-11-01
49
Idaho Central Credit Union
High-Yield Online Savings Account
Savings · $25,000 - $49,999 · View at bank ↗
3.40 % APYrecorded 2026-11-01
50
Idaho Central Credit Union
High-Yield Online Savings Account
Savings · $50,000 - $99,999 · View at bank ↗
3.40 % APYrecorded 2026-11-01
51
Idaho Central Credit Union
High-Yield Online Savings Account
Savings · $100,000 - $249,999 · View at bank ↗
3.40 % APYrecorded 2026-11-01
52
Idaho Central Credit Union
High-Yield Online Savings Account
Savings · $250,000 and up · View at bank ↗
3.40 % APYrecorded 2026-11-01
53
Sallie Mae Bank
SmartyPig Account
Savings · $0.01 - $2,500 · View at bank ↗
3.40 % APYrecorded 2026-11-01
54
Sallie Mae Bank
SmartyPig Account
Savings · $2,500.01 - $10,000 · View at bank ↗
3.40 % APYrecorded 2026-11-01
55
Sallie Mae Bank
SmartyPig Account
Savings · $10,000.01 - $50,000 · View at bank ↗
3.40 % APYrecorded 2026-11-01
56
Sallie Mae Bank
SmartyPig Account
Savings · $50,000.01+ · View at bank ↗
3.40 % APYrecorded 2026-11-01
57
Lafayette Federal CU
Premier Savings Account
Savings · 2nd $50,000 · View at bank ↗
3.35 % APYrecorded 2026-11-01
58
Upgrade
Premier Savings
Savings · Balances of $1,000 or more · View at bank ↗
3.30 % APYrecorded 2026-11-01
59
Affinity Federal Credit Union
Performance Savings
Savings · $250,000 and below · bonus · View at bank ↗
3.25 % APYrecorded 2026-11-01
60
Lafayette Federal CU
Preferred Savings Account
Savings · $20,000 or more · View at bank ↗
3.25 % APYrecorded 2026-11-01
61
Lafayette Federal CU
Premier Savings Account
Savings · 1st $50,000 · View at bank ↗
3.25 % APYrecorded 2026-11-01
62
Lafayette Federal CU
IRA Savings Account
Savings · Min. to Open $50 · View at bank ↗
3.25 % APYrecorded 2026-11-01
63
Presidential Bank
Advantage Savings
Savings · Without an Advantage Checking Account · View at bank ↗
3.25 % APYrecorded 2026-11-01
64
Wells Fargo
Platinum Savings
Savings · new savings customers, balance of $25,000 or more · bonus · View at bank ↗
3.25 % APYrecorded 2026-11-01
65
Ally Bank
Savings
Savings · View at bank ↗
3.2 % APYrecorded 2026-11-01
66
Ally Bank
IRA Savings
Savings · View at bank ↗
3.2 % APYrecorded 2026-11-01
67
Lafayette Federal CU
Preferred Savings Account
Savings · up to $19,999 · View at bank ↗
3.20 % APYrecorded 2026-11-01
68
Andrews Federal Credit Union
High-Yield Savings
Savings · on balances up to $250,000 · View at bank ↗
3.15 % APYrecorded 2026-11-01
69
PNC
High Yield Savings Account
Savings · View at bank ↗
3.15 % APYrecorded 2026-11-01
70
Digital Federal Credit Union
Advantage Savings
Savings · No minimum · View at bank ↗
3.00 % APYrecorded 2026-11-01
71
LendingClub Bank (now Happen Bank)
LevelUp Savings
Savings · Standard Rate: under $250 of deposits in the evaluation period · View at bank ↗
3.00 % APYrecorded 2026-11-01
72
Affinity Federal Credit Union
SmartStart Savings
Savings · $0 to $10,000 · View at bank ↗
2.65 % APYrecorded 2026-11-01
73
Affinity Federal Credit Union
High-Yield Savings
Savings · $100,000 and above · View at bank ↗
2.50 % APYrecorded 2026-11-01
74
Desert Financial Credit Union
IRA and Health Savings
Savings · View at bank ↗
2.25 % APYrecorded 2026-11-01
75
Delta Community Credit Union
IRA and Coverdell Savings
Savings · $1,000,000.00 - and above · View at bank ↗
2.15 % APYrecorded 2026-11-01
76
BankUnited
High Yield Savings
Savings · View at bank ↗
2.10 % APYrecorded 2026-11-01
77
ESL Federal Credit Union
Tiered Savings
Savings · $1,000,000.00 and greater · View at bank ↗
2.10 % APYrecorded 2026-11-01
78
Langley Credit Union
Langley Saves
Savings · From $500 to $1,000 · View at bank ↗
2.00 % APYrecorded 2026-11-01
79
OnPoint Community Credit Union
OnPoint Premium Savings Account
Savings · $100,000.01 and higher · View at bank ↗
2.00 % APYrecorded 2026-11-01
80
EagleBank
Eagle Savings
Savings · View at bank ↗
1.93 % APYrecorded 2026-11-01
81
EagleBank
Eagle Retirement Savings
Savings · View at bank ↗
1.93 % APYrecorded 2026-11-01
82
Baxter Credit Union
Rainy Day Savings
Savings · On balances above $25,000 and up to $50,000 · View at bank ↗
1.90 % APYrecorded 2026-11-01
83
ESL Federal Credit Union
Tiered Savings
Savings · $250,000.00 - $999,999.99 · View at bank ↗
1.80 % APYrecorded 2026-11-01
84
Andrews Federal Credit Union
Kasasa Saver
Savings · up to $100,000 · View at bank ↗
1.75 % APYrecorded 2026-11-01
85
Quorum Federal Credit Union
IRA Savings
Savings · Tier 5 · from $250,000 · View at bank ↗
1.70 % APYrecorded 2026-11-01
86
Affinity Federal Credit Union
MoreSavings
Savings · $250,000.01 and above · View at bank ↗
1.50 % APYrecorded 2026-11-01
87
ESL Federal Credit Union
Tiered Savings
Savings · $100,000.00 - $249,999.99 · View at bank ↗
1.45 % APYrecorded 2026-11-01
88
Baxter Credit Union
Rainy Day Savings
Savings · On balances up to $25,000 · View at bank ↗
1.40 % APYrecorded 2026-11-01
89
Delta Community Credit Union
IRA and Coverdell Savings
Savings · $500,000.00 - $999,999.99 · View at bank ↗
1.35 % APYrecorded 2026-11-01
90
Affinity Federal Credit Union
Revolution Save
Savings · $0 - $2,500 · View at bank ↗
1.25 % APYrecorded 2026-11-01
91
Wright-Patt Credit Union
Enhanced Health Savings Account ("HSA")
Savings · $1,000.01 and Higher · View at bank ↗
1.25 % APYrecorded 2026-11-01
92
ESL Federal Credit Union
Tiered Savings
Savings · $50,000.00 - $99,999.99 · View at bank ↗
1.20 % APYrecorded 2026-11-01
93
Quorum Federal Credit Union
IRA Savings
Savings · Tier 4 · from $25,000 · View at bank ↗
1.20 % APYrecorded 2026-11-01
94
Visions Federal Credit Union
IRA Accumulator
Savings · Average daily balance $250,000 & Over · View at bank ↗
1.20 % APYrecorded 2026-11-01
95
Visions Federal Credit Union
IRA Accumulator
Savings · Average daily balance $50,000 - $99,999.99 · View at bank ↗
1.10 % APYrecorded 2026-11-01
96
Visions Federal Credit Union
IRA Accumulator
Savings · Average daily balance $100,000 - $249,999.99 · View at bank ↗
1.10 % APYrecorded 2026-11-01
97
Visions Federal Credit Union
IRA Accumulator
Savings · Average daily balance $0.01 - $9,999.99 · View at bank ↗
1.05 % APYrecorded 2026-11-01
98
Visions Federal Credit Union
IRA Accumulator
Savings · Average daily balance $10,000 - $49,999.99 · View at bank ↗
1.05 % APYrecorded 2026-11-01
99
Affinity Federal Credit Union
MoreSavings
Savings · $100,000.01 - $250,000 · View at bank ↗
1.00 % APYrecorded 2026-11-01
100
Axos Bank
Axos ONE Savings
Savings · base rate, up to · View at bank ↗
1.00 % APYrecorded 2026-11-01
101
Delta Community Credit Union
IRA and Coverdell Savings
Savings · $250,000.00 - $499,999.99 · View at bank ↗
1.00 % APYrecorded 2026-11-01
102
Ent Credit Union
Health Savings Account
Savings · $50,000.00 And Above · View at bank ↗
1.00 % APYrecorded 2026-11-01
103
ESL Federal Credit Union
Tiered Savings
Savings · $0 - $49,999.99 · View at bank ↗
1.00 % APYrecorded 2026-11-01
104
SchoolsFirst FCU
My Club Account
Savings · 6 to 18 months maturity · View at bank ↗
1.00 % APYrecorded 2026-11-01
105
SchoolsFirst FCU
Accumulation IRA
Savings · View at bank ↗
1.00 % APYrecorded 2026-11-01
106
Varo Bank
High Yield Savings Account
Savings · balances over $5,000 · View at bank ↗
1.00 % APYrecorded 2026-11-01
107
Varo Bank
High Yield Savings Account
Savings · without qualifying deposits · View at bank ↗
1.00 % APYrecorded 2026-11-01
108
Delta Community Credit Union
Health Savings Account
Savings · $100,000.00 - and above · View at bank ↗
0.85 % APYrecorded 2026-11-01
109
Delta Community Credit Union
IRA and Coverdell Savings
Savings · $100,000.00 - $249,999.99 · View at bank ↗
0.85 % APYrecorded 2026-11-01
110
Ent Credit Union
IRA Savings
Savings · $25,000.00 And Above · View at bank ↗
0.80 % APYrecorded 2026-11-01
111
Ent Credit Union
Health Savings Account
Savings · $25,000.00 - $49,999.99 · View at bank ↗
0.80 % APYrecorded 2026-11-01
112
First Internet Bank
Free Savings
Savings · View at bank ↗
0.80 % APYrecorded 2026-11-01
113
Connexus Credit Union
Health Savings Account
Savings · $15,000 and over · View at bank ↗
0.75 % APYrecorded 2026-11-01
114
Delta Community Credit Union
Health Savings Account
Savings · $50,000.00 - $99,999.99 · View at bank ↗
0.70 % APYrecorded 2026-11-01
115
Delta Community Credit Union
IRA and Coverdell Savings
Savings · $50,000.00 - $99,999.99 · View at bank ↗
0.70 % APYrecorded 2026-11-01
116
Quorum Federal Credit Union
IRA Savings
Savings · Tier 3 · from $10,000 · View at bank ↗
0.70 % APYrecorded 2026-11-01
117
Ent Credit Union
IRA Savings
Savings · $10,000.00 - $24,999.99 · View at bank ↗
0.60 % APYrecorded 2026-11-01
118
Ent Credit Union
Health Savings Account
Savings · $10,000.00 - $24,999.99 · View at bank ↗
0.60 % APYrecorded 2026-11-01
119
UW Credit Union
Savings & Checking
Savings · College Fund · View at bank ↗
0.60 % APYrecorded 2026-11-01
120
VyStar Credit Union
IRA Savings
Savings · $100,000 or more · View at bank ↗
0.56 % APYrecorded 2026-11-01

Showing 120 of 302. All rows: JSON.

Regular savers

These pay their rate on fixed monthly deposits (for example £25 to £300 a month), so the balance earning it stays small. Listed apart from the ranking above.

01
VyStar Credit Union
Regular Savings
Savings · $50 or more · View at bank ↗
0.05 % APYrecorded 2026-11-01
02
Baxter Credit Union
Regular Savings
Savings · View at bank ↗
0.01 % APYrecorded 2026-11-01

More banks machine-read

These rates come from rate pages RateSonar found on 3 banks' own websites and read with a general parser rather than one written for that page. Each row links to its source; check the figure there before relying on it.

01
Texas Capital Bank
Star High-Yield Savings Account Only available in Texas
Savings · $0.01 - $1,000,000 $1,000,000.01 or more · View at bank ↗
3.85 % APYrecorded 2026-11-01
02
Texas Capital Bank
Star High Yield Savings Only available in Texas
Savings · $0.01 - $1,000,000 $1,000,000.01 or more · View at bank ↗
3.85 % APYrecorded 2026-11-01
03
CIBC Bank USA
Your savings goals made simple
Savings · View at bank ↗
3.75 % APYrecorded 2026-11-01
04
Texas Capital Bank
Star Elite Savings
Savings · All Balances · View at bank ↗
3.65 % APYrecorded 2026-11-01
05
First National Bank of Pennsylvania
FirstRate Savings Account
Savings · View at bank ↗
3.00 % APYrecorded 2026-11-01
06
Texas Capital Bank
Star Savings
Savings · All Balances · View at bank ↗
2.12 % APYrecorded 2026-11-01
07
Texas Capital Bank
Shooting Star Savings
Savings · All Balances · View at bank ↗
2.12 % APYrecorded 2026-11-01
08
Texas Capital Bank
Edge Business Savings
Savings · All Balances · View at bank ↗
1.00 % APYrecorded 2026-11-01
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Questions

What is the best savings account rate in the US right now?

Axos Bank Axos ONE Savings (promotional, first $49,999.99) at 5.00% APY, recorded 1 Nov 2026. RateSonar compared 302 offers from 57 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.