Best Savings Rates in 2026

Name: Best Savings Rates in 2026
Creator: RateBrain

In 2026, the median savings rate RateBrain tracked was 3.50% across 179 products. The highest was 7.00% APY from WECU. That median was down from 4.30% in 2025.

« 2025 All years

Every Savings rate we tracked in 2026

Bank	High	Year end
WECU	7.00%	7.00%
Accordia Bank	5.10%	5.10%
Axos Bank (with direct deposit)	5.00%	5.00%
Digital Federal Credit Union	5.00%	5.00%
Leader Bank (with direct deposit)	5.00%	5.00%
Nuvision Federal Credit Union	4.50%	4.50%
Pibank	4.40%	4.40%
Vault.Bank	4.35%	4.35%
Elevault	4.34%	4.34%
Western Alliance Bank	5.27%	4.30%
Peak Bank	4.27%	4.27%
Abound Credit Union	4.25%	4.25%
CFBank (Promo)	4.25%	4.25%
E*TRADE	4.25%	4.25%
E*TRADE Bank	4.50%	4.25%
Finworth	4.25%	4.25%
Neighbors Bank	4.25%	4.25%
EverBank	4.20%	4.20%
Happen Bank	4.20%	4.20%
LendingClub	5.00%	4.20%
Newtek Bank	5.25%	4.20%
CNB Bank	4.17%	4.17%
City First Bank	4.15%	4.15%
Patriot Bank	4.15%	4.15%
TIMBR	4.15%	4.15%
Centier Bank	4.12%	4.12%
Citizens National Bank	4.60%	4.11%
Greenwood Credit Union	4.11%	4.11%
Merrick Bank	4.11%	4.11%
Always.bank	4.10%	4.10%
Availa Bank	4.10%	4.10%
Gateway Bank	4.10%	4.10%
NexBank	4.25%	4.10%
OpenSky	4.10%	4.10%
State Exchange Bank	4.10%	4.10%
Zynlo Bank	4.10%	4.10%
316 Financial	4.05%	4.05%
Bread Financial	5.15%	4.05%
Dayspring Bank	4.05%	4.05%
SFGI Direct	4.05%	4.05%
Climate First Bank	4.01%	4.01%
Total Bank	5.26%	4.01%
Vio Bank	4.01%	4.01%
Carver Federal Savings Bank	4.00%	4.00%
Chime	4.00%	4.00%
EagleBank	4.00%	4.00%
First Bank of the Lake	4.00%	4.00%
Flagstar Bank	4.00%	4.00%
Goldwater Bank	4.15%	4.00%
Ivy Bank	5.30%	4.00%
Justice Federal Credit Union	4.00%	4.00%
Live Oak Bank	4.00%	4.00%
mph.bank	4.00%	4.00%
Openbank	4.00%	4.00%
OptimumBank	4.00%	4.00%
Quorum Federal Credit Union	4.00%	4.00%
Roger Bank	4.00%	4.00%
Sallie Mae	4.00%	4.00%
SmartyPig	4.00%	4.00%
Sun Canyon Bank	4.00%	4.00%
Vibrant Credit Union	4.40%	4.00%
CNB Bank (New Mexico)	3.96%	3.96%
Mission Valley Bank	3.96%	3.96%
Union Bank & Trust Company	3.93%	3.93%
Bask Bank	5.10%	3.90%
Popular Direct	5.05%	3.90%
Prime Alliance Bank	3.90%	3.90%
Colorado Federal Savings Bank	4.40%	3.85%
Forbright Bank	3.85%	3.85%
OLOY Bank	3.85%	3.85%
Texas Capital Bank	3.85%	3.85%
CFG Bank	5.25%	3.80%
Liberty Savings Bank	3.76%	3.76%
Able Banking	5.15%	3.75%
CIBC Bank USA	3.75%	3.75%
CIT Bank	3.75%	3.75%
First Foundation Bank	4.00%	3.75%
Langley Federal Credit Union	3.75%	3.75%
Rising Bank	3.75%	3.75%
Synchrony Bank	3.75%	3.75%
BAC Florida	3.70%	3.70%
Empower	4.70%	3.70%
Customers Bank	3.64%	3.64%
Cendera Bank	3.62%	3.62%
Robinhood (Gold members)	3.60%	3.60%
Continental Bank	3.56%	3.56%
Paprika Capital Bank	3.55%	3.55%
USALLIANCE Financial	3.55%	3.55%
Wealthfront	5.00%	3.55%
Adda Bank	3.50%	3.50%
Atlantic Union Bank	3.50%	3.50%
Betterment	5.00%	3.50%
BTG Pactual US	3.50%	3.50%
First Tech Federal Credit Union	3.50%	3.50%
Marcus	4.40%	3.50%
Merchants Bank of Indiana	5.00%	3.50%
Mercury	3.50%	3.50%
Nationwide Bank	3.50%	3.50%
US Bank	4.25%	3.50%
Dollar Savings Direct	3.35%	3.35%
MySavingsDirect	4.35%	3.35%
Ridgewood Savings Bank	3.50%	3.35%
SoFi (with direct deposit)	4.00%	3.30%
Upgrade	5.21%	3.30%
Valley Direct	4.75%	3.30%
UFB Direct	5.15%	3.26%
Banc of California	3.25%	3.25%
Service Credit Union	3.25%	3.25%
Ally Bank	3.30%	3.20%
American Express	3.40%	3.20%
Barclays Bank	4.35%	3.20%
Capital One	3.40%	3.20%
HSBC Bank	3.20%	3.20%
Lafayette Federal Credit Union	3.56%	3.20%
Quontic Bank	4.50%	3.20%
Sharonview Federal Credit Union	3.20%	3.20%
Andrews Federal Credit Union	3.15%	3.15%
RBMAX	3.15%	3.15%
Alliant Credit Union	3.10%	3.01%
Apple Federal Credit Union	3.00%	3.00%
BMO Alto	5.10%	3.00%
ConnectOne Bank	3.00%	3.00%
Discover Bank	3.40%	3.00%
Emigrant Direct	4.00%	3.00%
First National Community Bank	3.00%	3.00%
FNBO Direct	4.75%	3.00%
Riverland Credit Union	3.00%	3.00%
USAA	3.00%	3.00%
WebBank	3.00%	3.00%
Provident Credit Union	2.90%	2.90%
Citizens Access	2.80%	2.80%
Shelby Savings Bank	2.80%	2.80%
First National Bank of America	4.00%	2.50%
Space Coast Credit Union	2.27%	2.27%
Blue Federal Credit Union	2.25%	2.25%
Signature Federal Credit Union	2.25%	2.25%
HUSTL Financial	1.75%	1.75%
Lake Michigan Credit Union	1.75%	1.75%
Bank5 Connect	1.50%	1.50%
Bank Purely	1.50%	1.50%
iGoBanking.com	1.50%	1.50%
DR Bank	3.90%	1.25%
Amalgamated Bank	1.05%	1.05%
Princeville State Bank	1.01%	1.01%
HOPE Credit Union	1.00%	1.00%
American State Bank	1.00%	1.00%
KS StateBank	1.00%	1.00%
OMB Bank	1.00%	1.00%
Salem Five	1.00%	1.00%
Varo Bank	5.00%	1.00%
Heritage Bank	0.75%	0.75%
All In Credit Union	0.65%	0.65%
HAB Bank	0.60%	0.60%
Harborstone Credit Union	0.50%	0.50%
WSB Digital	0.50%	0.50%
Bank of Utah	0.38%	0.38%
Northpointe Bank	4.30%	0.35%
Self Help Credit Union	0.30%	0.30%
Davis Trust Company	4.11%	0.25%
Navy Federal Credit Union	0.25%	0.25%
Provident NJ	3.25%	0.25%
United Republic Bank	0.25%	0.25%
Quaint Oak Bank	0.20%	0.20%
Charles Schwab Bank	0.48%	0.15%
Latino Community Credit Union	0.15%	0.15%
Genisys Credit Union	0.10%	0.10%
NASA Federal Credit Union	0.10%	0.10%
Ponce Bank	0.10%	0.10%
Global Credit Union	0.08%	0.08%
Androscoggin Bank	0.10%	0.05%
First Mid Bank & Trust	3.85%	0.05%
Great Lakes Credit Union	0.05%	0.05%
InTouch Credit Union	0.05%	0.05%
Luana Savings Bank	0.05%	0.05%
Patelco	0.05%	0.05%
Raymond James Bank	0.05%	0.05%
OceanFirst Bank	0.03%	0.03%
Austin Capital Bank	4.13%	0.01%
UNCLE Credit Union	0.01%	0.01%

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.