Rate updated · 64 banks tracked
Chime savings account rate: 4.00% APY
Chime pays 4.00% on its savings account — ranking in the top quartile of the 64 banks SwitchWize tracks, where the best available rate is 4.37%. (Updated November 8, 2026.)
Is Chime a good savings rate? Not really. At 4.00% it trails the 4.37% best available rate, leaving about $92 a year on the table on a $25,000 balance.
The gap, in your dollars
At 4.00%, $25,000 earns $1,000/yr here versus $1,092/yr at the field leader — a $92/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
We will email you once when Chime's account rate moves by 0.05 points or more, up or down. No other emails.
One email per rate change. Unsubscribe in one click. We never share your address.
Frequently asked questions
What is Chime's savings account interest rate?▾
Chime pays 4.00% APY on its savings account as of November 8, 2026, based on rates SwitchWize tracks across 64 banks.
Is Chime's savings rate good?▾
Chime's 4.00% ranks in the top quartile of tracked banks. The best available rate is 4.37% and the FDIC national average is 0.38%.
Which banks pay more than Chime?▾
Higher-paying tracked options include mitten, bread, vio. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.