Best Savings Rates in 2026

Name: Best Savings Rates in 2026
Creator: RateBrain

In 2026, the median savings rate RateBrain tracked was 3.46% across 51 products. The highest was 5.30% APY from Ivy Bank. That median was down from 4.50% in 2025.

« 2025 All years

Every Savings rate we tracked in 2026

Bank	High	Year end
Newtek Bank	5.25%	4.20%
Wealthfront	5.00%	4.20%
Total Direct Bank	5.26%	4.01%
Betterment	5.00%	4.00%
E*TRADE Bank	4.50%	4.00%
Ivy Bank	5.30%	4.00%
LendingClub	5.00%	4.00%
Bread Financial	5.15%	3.95%
SFGI Direct	3.95%	3.95%
Colorado Federal Savings Bank	4.40%	3.90%
EverBank	3.90%	3.90%
Popular Direct	5.05%	3.90%
CFG Bank	5.25%	3.80%
Western Aliiance Bank	5.27%	3.80%
Bask Bank	5.10%	3.75%
First Foundation Bank	4.00%	3.75%
Varo Bank	5.00%	3.75%
BAC Florida	3.70%	3.70%
EagleBank	3.70%	3.70%
Barclays Bank	4.35%	3.65%
Robinhood (Gold members)	3.60%	3.60%
Empower	4.70%	3.50%
Marcus	4.40%	3.50%
Merchants Bank of Indiana	5.00%	3.50%
US Bank	4.25%	3.50%
Citizens National Bank	4.60%	3.46%
Sallie Mae	3.90%	3.40%
SmartyPig	3.90%	3.40%
Dollar Savings Direct	3.35%	3.35%
Ridgewood Savings Bank	3.50%	3.35%
Synchrony Bank	3.65%	3.30%
Upgrade	5.21%	3.30%
Valley Direct	4.75%	3.30%
UFB Direct	5.15%	3.26%
Quontic Bank	4.50%	3.20%
Alliant Credit Union	3.10%	3.01%
Ally Bank	3.30%	3.00%
American Express	3.40%	3.00%
BMO Alto	5.10%	3.00%
Capital One	3.40%	3.00%
ConnectOne Bank	3.00%	3.00%
Discover Bank	3.40%	3.00%
Emigrant Direct	4.00%	3.00%
FNBO Direct	4.75%	3.00%
Able Banking	5.15%	2.75%
Bank Purely	1.50%	1.50%
iGoBanking.com	1.50%	1.50%
First National Community Bank	0.20%	0.20%
Quaint Oak Bank	0.20%	0.20%
Charles Schwab Bank	0.48%	0.15%
Provident NJ	3.25%	0.15%

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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.