Featured Savings Rates
Featured Accounts

Compare Savings Account Rates

Interest rates on savings accounts vary greatly. That is why we check rates daily at more than 5,000 U.S. banks and credit unions…so that it is easy for you to find the best savings account rate.

Deposit Amount
$1 $100,000
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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

206 Results

Nationwide Only
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DollarSavingsDirectDollar Savings Account14 Reviews
Salem Five DirecteOne Savings - New Money Only19 Reviews
CIT BankPremier High Yield Savings162 Reviews
SFGI DirectSFGI Direct Savings Account9 Reviews
ableBankingMoney Market Savings4 Reviews
PurePoint FinancialOnline Savings
UFB DirectUFB Premium Savings46 Reviews
Incredible BankIncredible Savings25 Reviews
Popular DirectPopular Direct Plus Savings Account
Radius BankRadius High-Yield Savings24 Reviews
American Express Bank, FSB.High Yield Savings Account149 Reviews
FNBO DirectOnline Savings13 Reviews
SmartyPigSmartyPig Savings19 Reviews
The Palladian PrivateBankSavings Account - 1st Yr incl. initial promo rate15 Reviews
Bank of Internet USASmart Savings Account44 Reviews
DCUDCU Ltd Savings18 Reviews
Hanscom FCUHigher-Yield Savings3 Reviews
Sallie Mae BankHigh-Yield Savings44 Reviews
MySavingsDirectMySavings Account34 Reviews
Amboy DirectPersonal eSavings Account3 Reviews
EBSB DirectHigh Yield Savings Account2 Reviews
Capital One360 Savings Account292 Reviews
Utah First FCUDedicated Savings
TIAA DirectHigh Yield Savings5 Reviews

Displaying 1-40 of 206 Results

Savings Account Rates

The savings account table above allows you to compare savings account rates offered by financial institutions like online banks, credit unions, community banks, and big banks. The best savings account rates are published at the top of the rate table and decrease in APY as you scroll down. Feel free to filter the results by location and investment amount for customized results.

Savings Account Rate History – Average APY (%) Rate Trend over Time

What Is A Savings Account?

A savings account is defined by Regulation D of the Federal Reserve Board guidelines as a bank deposit for which there is no expiration date, nor a specific date on which it becomes payable to the depositor. Savings accounts are not considered “transactional” because the number of withdrawals account holders are allowed to make is restricted each month (currently 6 withdrawals/month). Financial institutions pay varying degrees of interest in exchange for your deposit, with the online savings account usually offering some of the highest interest rates.

How To Use A Savings Account

Saving money is one of the primary functions and benefits provided by a savings account. The savings account helps consumers to manage their money better and provides security for your cash. For consumers already with a checking account, opening a savings account can serve as a backup to prevent overdrafts from occurring. A wise strategy is to establish an emergency savings account with enough funds to cover up at least 3 months of expenses. High yield savings accounts are the best option for emergency savings, as you will earn the higher rates of return on your reserves. ACH transfers are another benefit that makes it easy to transfer funds to and from various accounts.

Money Market Accounts are similar to savings accounts, but differ mainly in two ways: MMAs typically offer limited check writing and have minimum balance requirements. Savings accounts typically do not.

Many consumers compare savings accounts regularly as a part of their savings plan, in order to take advantage of the highest savings account rates available at any given time. EpBooks has a savings calculator that will tell you how much compounding interest you can expect from a given account over a certain period of time. Multiple savings accounts can be advantageous as well, especially if you have, or plan to have, an online savings account. Having an account on the web and on the ground (in the form of physical bank branches) could help you take advantage of higher rates while maintaining personal banking relationships.

The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@EpBooks.us to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.