Maximize My Savings

Stop leaving money at your bank. Find high-yield savings accounts earning 10× the national average — fully FDIC insured, same liquidity, and no fees to switch.

Your action plan

Know your current rate

Check your bank app or last statement. The national average is 0.38% APY. If you're earning less than 4%, you have a Rate Gap.

Open a high-yield account

Online banks consistently offer 10–15× more than traditional banks. Applications take 10 minutes. FDIC insured to $250K.

Build a CD ladder

For money you won't need for 6–24 months, CDs lock in today's high rates before Fed cuts bring them down.

Set a rate alert

Get notified when top rates change meaningfully. Don't leave money earning less than the best available rate.

💡 Key insight

Moving $25K from a 0.38% national-average account to a 4.20% HYSA earns an extra $955 per year with no lock-up period — same FDIC insurance coverage, same liquidity.

Source: S&P Capital IQ Pro; SNL Financial Data. Calculations: FDIC. Reflects the $2,500 product tier for savings and interest checking accounts.