Best Savings Rates in 2025

Name: Best Savings Rates in 2025
Creator: RateBrain

In 2025, the median savings rate RateBrain tracked was 4.30% across 54 products. The highest was 5.30% APY from Ivy Bank. That median was down from 4.35% in 2024.

« 2024 All years 2026 »

Every Savings rate we tracked in 2025

Bank	High	Year end
Ivy Bank	5.30%	5.30%
Western Alliance Bank	5.27%	5.27%
Total Bank	5.26%	5.26%
CFG Bank	5.25%	5.25%
Newtek Bank	5.25%	5.25%
Upgrade	5.21%	5.21%
Able Banking	5.15%	5.15%
Bread Financial	5.15%	5.15%
UFB Direct	5.15%	5.15%
Bask Bank	5.10%	5.10%
BMO Alto	5.10%	5.10%
Popular Direct	5.05%	5.05%
Betterment	5.00%	5.00%
LendingClub	5.00%	5.00%
Merchants Bank of Indiana	5.00%	5.00%
Varo Bank	5.00%	5.00%
Wealthfront	5.00%	5.00%
FNBO Direct	4.75%	4.75%
Valley Direct	4.75%	4.75%
Empower	4.70%	4.70%
Citizens National Bank	4.60%	4.60%
E*TRADE Bank	4.50%	4.50%
Quontic Bank	4.50%	4.50%
Colorado Federal Savings Bank	4.40%	4.40%
Marcus	4.40%	4.40%
Barclays Bank	4.35%	4.35%
MySavingsDirect	4.35%	4.35%
US Bank	4.25%	4.25%
Goldwater Bank	4.15%	4.15%
Emigrant Direct	4.00%	4.00%
First Foundation Bank	4.00%	4.00%
SFGI Direct	4.26%	3.95%
EverBank	4.40%	3.90%
Sallie Mae	4.10%	3.90%
SmartyPig	4.10%	3.90%
Synchrony Bank	4.10%	3.65%
Ridgewood Savings Bank	3.50%	3.50%
American Express	3.80%	3.40%
Capital One	3.80%	3.40%
Discover Bank	3.75%	3.40%
Dollar Savings Direct	4.00%	3.35%
Ally Bank	3.80%	3.30%
Provident NJ	3.25%	3.25%
Alliant Credit Union	3.10%	3.10%
Chime	2.00%	2.00%
Bank5 Connect	1.50%	1.50%
Bank Purely	1.50%	1.50%
Vio Bank	1.10%	1.10%
Axos Bank (with direct deposit)	0.61%	0.61%
Charles Schwab Bank	0.48%	0.48%
Self Help Credit Union	0.30%	0.30%
First National Community Bank	0.20%	0.20%
Quaint Oak Bank	0.20%	0.20%
HSBC Bank	0.05%	0.05%

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.