Compare Savings Accounts in United States

Live offers across tracked providers in United States — updated daily from the Giraffy database.

Live offers

45 live offers compared from 21 providers, from $0. Updated daily.

Synchrony High Yield Savings Synchrony Bank

$0

One of the highest savings APYs. No minimum balance. FDIC insured.

  • APY: 4.65%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

UFB Direct Portfolio Savings UFB Direct

$0

Top-tier HYSA with no minimum balance. Powered by Axos Bank.

  • APY: 4.83%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes (via Axos Bank)
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

SoFi High-Yield Savings SoFi

$0

Top APY with qualifying direct deposit. Bundled with free checking account.

  • APY: 4.60% (with direct deposit)
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes (up to $2M via sweep)
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Marcus Online Savings Account Marcus by Goldman Sachs

$0

Competitive high-yield savings from Goldman Sachs. No minimum deposit.

  • APY: 4.40%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Ally Online Savings Account Ally Bank

$0

Established online bank. Strong APY with no monthly fees or minimums.

  • APY: 4.20%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Discover Online Savings Account Discover Bank

$0

Competitive HYSA with 24/7 US-based customer service. No minimum deposit.

  • APY: 4.25%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

American Express High-Yield Savings American Express

$0

HYSA from American Express. No minimum deposit. No monthly fee.

  • APY: 4.15%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Capital One 360 Performance Savings Capital One

$0

Competitive APY from Capital One. No minimum balance and no monthly fee.

  • APY: 4.10%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Barclays Online Savings Account Barclays US

$0

Competitive HYSA from Barclays US. Online-only bank with no fees.

  • APY: 4.35%
  • Minimum Balance: $0
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Popular Direct High-Yield Savings Popular Direct

$0

High-yield savings from Popular Direct. Minimum $100 to open.

  • APY: 4.65%
  • Minimum Balance: $100
  • Monthly Fee: $0/month
  • FDIC Insured: Yes
  • Account Type: High-Yield Savings
  • Tutela del deposito: FDIC — up to $250,000

Chase Savings Account Chase

0.01% AER

  • APY: 0.01% APY
  • Minimum Balance: $0
  • Monthly Fee: $5/mo (waivable)
  • FDIC Insured: Yes
  • Account Type: Traditional Savings
  • Tutela del deposito: FDIC — up to $250,000

Schwab One Interest Charles Schwab

0.45% AER

  • APY: 0.45% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Brokerage Cash
  • Tutela del deposito: FDIC — up to $250,000

UFB Direct Plan UFB Direct

$3 /month

  • Provider: UFB Direct

We have answers Ally Bank

$3.75 /month

  • Provider: Ally Bank

Ally Online Savings Ally Bank

4.20% AER

  • APY: 4.20% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Discover Online Savings Discover Bank

4.25% AER

  • APY: 4.25% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Capital One 360 Performance Savings Capital One

4.25% AER

  • APY: 4.25% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Wealthfront Cash Account Wealthfront

4.25% AER

  • APY: 4.25% APY
  • Minimum Balance: $1
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Cash Management
  • Tutela del deposito: FDIC — up to $250,000

American Express High-Yield Savings American Express National Bank

4.25% AER

  • APY: 4.25% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Barclays Tiered Savings Barclays US

4.35% AER

  • APY: 4.35% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Marcus High-Yield Savings Marcus by Goldman Sachs

4.40% AER

  • APY: 4.40% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

SoFi High-Yield Savings SoFi

4.60% AER

  • APY: 4.60% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Synchrony High-Yield Savings Synchrony Bank

4.65% AER

  • APY: 4.65% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Sallie Mae High-Yield Savings Sallie Mae Bank

4.65% AER

  • APY: 4.65% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Popular Direct Savings Popular Direct

4.70% AER

  • APY: 4.70% APY
  • Minimum Balance: $100
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Bread Savings High-Yield Bread Savings

4.75% AER

  • APY: 4.75% APY
  • Minimum Balance: $100
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Betterment Cash Reserve Betterment

4.75% AER

  • APY: 4.75% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Cash Management
  • Tutela del deposito: FDIC — up to $250,000

Fidelity Cash Management Fidelity Investments

4.99% AER

  • APY: 4.99% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Cash Management
  • Tutela del deposito: FDIC — up to $250,000

Chase SavingsSM Chase

$5 /month

  • Provider: Chase

CIT Bank Platinum Savings CIT Bank

5% AER

  • APY: 5.00% APY
  • Minimum Balance: $5,000
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Tiered Savings
  • Tutela del deposito: FDIC — up to $250,000

Way2Save® Savings Ally Bank

$5 /month

  • Minutes: 5 mins
  • Provider: Ally Bank

Optimize with boosters Ally Bank

$5 /month

  • Provider: Ally Bank

Chase Savings SM Ally Bank

$5 /month

  • Minutes: 5 mins
  • Provider: Ally Bank

Recurring Transfers Ally Bank

$5 /month

  • Provider: Ally Bank

Round Ups Ally Bank

$5 /month

  • Provider: Ally Bank

Financial Resources UFB Direct

$5.10 /month

  • Provider: UFB Direct

BMO Alto Online Savings BMO Alto

5.10% AER

  • APY: 5.10% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Identity Theft: How to Prevent It & How to Repair the Damage UFB Direct

$5.10 /month

  • Provider: UFB Direct

UFB Secure Savings UFB Direct

5.25% AER

  • APY: 5.25% APY
  • Minimum Balance: $0
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Redneck Bank High-Yield Savings Redneck Bank

5.30% AER

  • APY: 5.30% APY
  • Minimum Balance: $500
  • Monthly Fee: $0/mo
  • FDIC Insured: Yes
  • Account Type: Online Savings
  • Tutela del deposito: FDIC — up to $250,000

Advantage Savings Ally Bank

$8 /month

  • Minutes: 8 mins
  • Provider: Ally Bank

and we won't hide the fees we do have Ally Bank

$15 /month

  • Provider: Ally Bank

Chase Premier SavingsSM Chase

$25 /month

  • Provider: Chase

Deposit accounts FDIC insured up to$250K individual and$500K joint UFB Direct

$250 /month

  • Provider: UFB Direct

Customer Login UFB Direct

$250 /month

  • Rate: 0.20%
  • Provider: UFB Direct

What are Savings Accounts in the US?

A savings account is a deposit account that pays interest while keeping your money liquid and safe. In the United States the biggest divide is between traditional brick-and-mortar bank accounts, which often pay tiny rates, and high-yield savings accounts (HYSAs) from online banks that can pay many times more. Interest is quoted as an annual percentage yield (APY), which includes compounding. Savings accounts are ideal for emergency funds and short-term goals where you cannot risk market losses.

How the US market works

Rates on savings accounts track the Federal Reserve's benchmark, so they rise and fall with Fed policy. Online-only banks pass on higher rates because they have no branch overhead, while large national banks compete on convenience and branch access rather than yield. Federal Regulation D historically limited certain withdrawals to six per month, though that cap was relaxed in 2020 and many banks no longer enforce it. Interest earned is taxable as ordinary income and reported on Form 1099-INT.

Benefits

High-yield APY — Online HYSAs pay far more than the national average, meaningfully growing an emergency fund.

Full liquidity — Funds stay accessible for transfers and withdrawals, unlike CDs that lock your money.

FDIC safety — Deposits are federally insured up to $250,000 per depositor, per bank.

Low or no fees — Many online savings accounts charge no monthly fee and require no minimum balance.

How to choose

Compare the APY first, but read whether it is a promotional teaser rate or an ongoing rate, and check for balance tiers. Look at minimum-balance and monthly-fee rules, transfer speed to and from your checking account, and whether the bank offers a linked ATM or debit access. Ensure the institution is FDIC-insured (or NCUA-insured if it is a credit union). If you value branch access alongside yield, weigh that against the higher rates from online-only banks.

Leading providers in the US

Online specialists UFB Direct, Synchrony Bank, Marcus by Goldman Sachs, Ally Bank and Discover Bank consistently offer among the highest APYs with no monthly fees. SoFi pairs a competitive savings rate with checking and direct-deposit perks. Capital One's 360 Performance Savings blends online rates with some branch and café access, while Chase represents the large traditional banks that emphasize convenience and bundled relationships over top-tier yield.

What it costs

The best online savings accounts charge no monthly fee, though rates span a wide range—from about 0.01% APY at some big traditional banks to well over 4% at leading online banks in higher-rate environments. Watch for potential fees such as excess-withdrawal charges, outgoing wire fees, or paper-statement fees, but the headline high-yield accounts are generally free to open and maintain.

Protections and regulation

Bank savings accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, per ownership category; credit-union accounts carry equivalent NCUA insurance. Banks are supervised by federal and state regulators, and the Consumer Financial Protection Bureau (CFPB) enforces disclosure rules requiring clear APY and fee statements under the Truth in Savings Act.

Common questions

Are online banks safe? Yes, as long as they are FDIC-insured—the same $250,000 protection applies. Can my APY change? Yes, variable rates move with the Fed, so today's rate is not guaranteed. How do I exceed $250,000 in coverage? Spread deposits across multiple banks or ownership categories, or use a sweep network that distributes funds.

The cheapest Savings Accounts in United States is $0 from Synchrony Bank.

Savings Accounts in United States — FAQ

What is the highest savings rate in United States right now?

Giraffy tracks 5 savings accounts across Synchrony Bank,UFB Direct,SoFi,Marcus by Goldman Sachs,Ally Bank providers in United States. The highest tracked rate on Giraffy is currently $0. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.

Is my money safe in a savings account?

Yes — the FDIC insures deposits up to $250,000 per depositor, per bank. Always confirm your institution is FDIC-insured before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.

What does APY mean on a savings account?

APY (Annual Percentage Yield) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using APY rather than the gross or monthly rate.

What is the difference between easy access and fixed-rate savings?

Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.

Do I pay tax on savings interest?

Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.

Can I open multiple savings accounts at different banks?

Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection ($250,000 under the FDIC per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.

How quickly can I access my money in an easy access savings account?

Most easy access accounts transfer funds to a linked checking account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.