9 out of 10 Americans overpay their bank. You don't have to.
The average saver loses roughly $1,200 a year in interest just by staying put. MyBankFinder tracks real APYs across the largest U.S. banks every day — so the better rate isn't hidden from you anymore.
Banks and credit unions we monitor
Rate updates, straight from bank data
Average lost by savers who don't switch
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Where should your money live in 2026?
Every account type has a best-in-class option. Pick your goal — we'll show you the winners.
the national average APY
High-Yield Savings
The average U.S. savings account still pays 0.40%. The best HYSAs we track pay 10x that — with no fees and no minimums. We rank them by real APY, not marketing.
See top HYSAs →
Rising Bank
CD · 6mo
4.21% APY
Open Now
Credit One Bank N.A.
12 Mo · 12mo
4.15% APY
Open Now
Rising Bank
12 Mo · 12mo
4.11% APY
Open Now
CIT Bank
Platinum Savings
4.10% APY
Open Now
Municipal Credit Union
12 Mo · 12mo
4.07% APY
Open NowCredit One Bank N.A.
CD · 6mo
4.05% APY
Open Now
Peak Bank
Envision High-Yield Savings
4.01% APY
Open Now
Finworth
12 Mo · 12mo
3.95% APY
Open Now
Bread Savings
Savings Account
3.95% APY
Open Now
Limelight Bank
High-Yield Savings
3.90% APY
Open Now
Popular Direct
Exclusive Savings
3.90% APY
Open Now
EverBank
Performance Savings
3.90% APY
Open Now-01.png&w=3840&q=75)
State Bank of India (California)
CD · 6mo
3.85% APY
Open NowCommunity Savings
12 Mo · 12mo
3.80% APY
Open Now
Live Oak Bank
Personal Savings Account
3.80% APY
Open Now
Colorado Federal Savings Bank
High Yield Savings
3.80% APY
Open Now
Openbank
Savings Account
3.80% APY
Open Now
Alliant Credit Union
12 Mo · 12mo
3.80% APY
Open Now.jpg&w=3840&q=75)
Bank Iowa
12 Mo · 12mo
3.76% APY
Open Now
Integro Bank
CD · 6mo
3.75% APY
Open Now
American Bank of Freedom
12 Mo · 12mo
3.75% APY
Open Now
Seattle Bank
12 Mo · 12mo
3.75% APY
Open NowAmerican Bank of Freedom
6 Mo Special · 6mo
3.75% APY
Open NowCommunity Savings
CD · 6mo
3.75% APY
Open Now
Alliant Credit Union
6 Mo Insured by NCUA · 6mo
3.60% APY
Open Now
Barclays
CD · 6mo
3.50% APY
Open NowSeattle Bank
CD · 6mo
3.50% APY
Open NowIntegro Bank
12 Mo · 12mo
3.50% APY
Open NowMunicipal Credit Union
CD · 6mo
3.30% APY
Open Now
Old Dominion National Bank
12 Mo · 12mo
3.25% APY
Open NowBarclays
12 Mo · 12mo
3.25% APY
Open Now
Flagler Credit Union
12 Mo · 12mo
2.70% APY
Open Now
Dort Financial Credit Union
12 Mo · 12mo
2.70% APY
Open NowFlagler Credit Union
6 Mo · 6mo
2.65% APY
Open NowDort Financial Credit Union
CD · 6mo
2.65% APY
Open Now
Rising Bank
CD · 6mo
4.21% APY
Open NowCredit One Bank N.A.
12 Mo · 12mo
4.15% APY
Open NowRising Bank
12 Mo · 12mo
4.11% APY
Open NowCIT Bank
Platinum Savings
4.10% APY
Open NowMunicipal Credit Union
12 Mo · 12mo
4.07% APY
Open NowCredit One Bank N.A.
CD · 6mo
4.05% APY
Open NowPeak Bank
Envision High-Yield Savings
4.01% APY
Open NowFinworth
12 Mo · 12mo
3.95% APY
Open NowBread Savings
Savings Account
3.95% APY
Open NowLimelight Bank
High-Yield Savings
3.90% APY
Open NowPopular Direct
Exclusive Savings
3.90% APY
Open NowEverBank
Performance Savings
3.90% APY
Open NowState Bank of India (California)
CD · 6mo
3.85% APY
Open NowCommunity Savings
12 Mo · 12mo
3.80% APY
Open NowLive Oak Bank
Personal Savings Account
3.80% APY
Open NowColorado Federal Savings Bank
High Yield Savings
3.80% APY
Open NowOpenbank
Savings Account
3.80% APY
Open NowAlliant Credit Union
12 Mo · 12mo
3.80% APY
Open NowBank Iowa
12 Mo · 12mo
3.76% APY
Open NowIntegro Bank
CD · 6mo
3.75% APY
Open NowAmerican Bank of Freedom
12 Mo · 12mo
3.75% APY
Open NowSeattle Bank
12 Mo · 12mo
3.75% APY
Open NowAmerican Bank of Freedom
6 Mo Special · 6mo
3.75% APY
Open NowCommunity Savings
CD · 6mo
3.75% APY
Open NowAlliant Credit Union
6 Mo Insured by NCUA · 6mo
3.60% APY
Open NowBarclays
CD · 6mo
3.50% APY
Open NowSeattle Bank
CD · 6mo
3.50% APY
Open NowIntegro Bank
12 Mo · 12mo
3.50% APY
Open NowMunicipal Credit Union
CD · 6mo
3.30% APY
Open NowOld Dominion National Bank
12 Mo · 12mo
3.25% APY
Open NowBarclays
12 Mo · 12mo
3.25% APY
Open NowFlagler Credit Union
12 Mo · 12mo
2.70% APY
Open NowDort Financial Credit Union
12 Mo · 12mo
2.70% APY
Open NowFlagler Credit Union
6 Mo · 6mo
2.65% APY
Open NowDort Financial Credit Union
CD · 6mo
2.65% APY
Open Now
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