Saved copy from November 13, 2026 · 30 verified
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Savings rates on November 13
Best high-yield savings rates on November 13, 2026: up to 4.40% APY
What rates are doing, what moved, and what your savings would earn. By SwitchWize Research Desk. Every rate on this page came from the bank's own website. How we check
Compare all savings accounts →
Rates change often, so this saved copy may be out of date. See today's rates.
Best rate
4.40%
+0.13 points over 30 days
Typical rate
3.75%
No change in this window
Moved since yesterday
0
0 up, 0 down, 30 same
Gap to a typical bank
4.02 points
Best rate vs the 0.38% national average
PiBank pays 4.40%. That is $440 a year on $10,000.
$402 more than an average savings account would earn ($38).
How the best rate has moved
Green is the best rate each day. Gray is the typical rate, where half of the accounts pay more and half pay less.
What moved since yesterday
No bank changed its rate. All 30 accounts we compared kept the same rate.
Not on our list today: EverBank.
Compared with our check on November 12, 2026.
Showing 10 of 30 accounts, best rate first.
Verified: checked against the bank's own page. The thin line on each bar marks what an average account earns.
- 1
PiBank
Pibank Savings
4.40%
APY
$440 a year
To open $0Monthly fee $0Proof and fine print
Variable rate; the interest rate and APY can change at any time without notice.
No minimum balance is required to open the account or to maintain the stated APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:34 AM ET. See the bank's own page
- 2
Peak Bank
Envision High Yield Savings
4.27%
APY
$427 a year
To open $100Monthly fee $0New customers onlyRate changes with balanceProof and fine print
Variable rate; APY may change at any time without notice. The advertised APY is for new accounts only. Balances of $500,000 and above earn 3.40% APY instead.
$100 minimum deposit to open the account; no minimum balance requirement is stated for earning interest.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:34 AM ET. See the bank's own page
- 3
Zynlo Bank
ZYNLO Tomorrow Savings Account
4.10%
APY
$410 a year
To open $0Monthly fee $0Proof and fine print
APY is subject to change without notice.
No minimum deposit to open; $0.01 minimum balance to earn the APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:36 AM ET. See the bank's own page
- 4
Bread Savings
Bread Savings High-Yield Savings Account
4.05%
APY
$405 a year
To open $100Monthly fee $0Proof and fine print
Variable rate; the APY can change at any time without notice.
A $100 minimum deposit is required to open the account.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:30 AM ET. See the bank's own page
- 5
Axos Bank
Summit Savings
4.01%
APY
$401 a year
To open $0Monthly fee $0New customers onlyStarter bonus rateProof and fine print
Variable rate that is subject to change. The headline rate includes a limited-time promotional boost for new Axos customers. The boost lasts only the first six statement cycles. Prior Axos Bank or UFB Direct customers are not eligible for the boost.
The page states no minimum balance is needed to earn the APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:31 AM ET. See the bank's own page
- 6
Vio Bank
Online Savings Account
4.01%
APY
$401 a year
To open $100Monthly fee $0Possible feeProof and fine print
Rate is subject to change without notice. A $5 monthly fee applies if you receive paper statements.
A $100 minimum is required to open the account; the page does not state a minimum balance to earn the APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:30 AM ET. See the bank's own page
- 7
Apple Bank
My Reserve Savings Account
4.00%
APY
$400 a year
To open $1,000Monthly fee $0New customers onlyProof and fine print
Variable rate; the APY may be changed by the bank at any time, including after account opening. Headline rate requires new money not already on deposit at Apple Bank. Balances over $1,000,000 earn only 0.01%.
$1,000 of new money is required to open the account; a $1.00 minimum daily balance is needed to earn the stated APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:31 AM ET. See the bank's own page
- 8
EagleBank
Eagle High-Yield Savings Account
4.00%
APY
$400 a year
To open $1,000Monthly fee $0Proof and fine print
Variable rate; may change at any time without notice and is not guaranteed until the account is opened. The page refers to a disclosure for interest rate tiers.
$1,000 minimum opening deposit; the page does not state a minimum balance requirement.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:30 AM ET. See the bank's own page
- 9
Live Oak Bank
Live Oak Bank Personal Savings
4.00%
APY
$400 a year
To open $0Monthly fee $0Proof and fine print
Rate is subject to change.
No minimum balance is required to earn the stated APY.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:34 AM ET. See the bank's own page
- 10
Sallie Mae Bank
Sallie Mae High-Yield Savings Account
4.00%
APY
$400 a year
To open $0Monthly fee $0Proof and fine print
Variable rate; the APY may change after account opening.
No minimum balance or minimum deposit is required.
Insured by the FDIC (bank).
We checked this on November 13, 2026 at 6:35 AM ET. See the bank's own page
Ranked by APY only. These rates are variable, which means the bank can change them at any time. The bank's own page always has the final word.
$10,000 → $440/yr
Common questions about savings rates
What is the best high-yield savings rate today?
In our latest check on November 13, 2026, the best rate was 4.40% APY at PiBank (Pibank Savings). We checked 30 accounts against each bank's own page. These rates are variable, so they can change at any time.
How much interest will $10,000 earn in a high-yield savings account?
At 4.40% APY, $10,000 earns about $440 in a year if the rate stays the same. At the 0.38% national average, the same $10,000 earns about $38.
Which savings account pays the most with no minimum and no catches?
PiBank pays 4.40% APY, needs $0 to open, and has no special conditions in its fine print.
What does APY mean?
APY stands for annual percentage yield. It is the interest you earn in one year, including interest on the interest you have already earned. A higher APY means more money for the same savings.
Is the highest rate always the best choice?
Not always. Some top rates only apply to new customers, need monthly deposits, or change with your balance. Read the fine print on each account, and check that the bank or credit union is insured.
Is my money safe in a high-yield savings account?
Money at an FDIC-insured bank, or an NCUA-insured credit union, is protected up to $250,000 per person, per bank, per type of account. Check that the bank or credit union is insured before you open an account.
How often is this page updated?
We recheck every rate against the bank's own page each day. We only call a list current for 36 hours. The latest check shown here was November 13, 2026.
The Fed raised rates. Are savings rates going up?
Some are. The Federal Reserve raised its rate by 0.25 points on September 16, 2026, but banks decide for themselves whether to pass that on. So far 33 of the 85 savings accounts we track have raised their rate.
See if your bank passed it onHow we check these rates
- We read each rate from the bank's own page and keep a saved copy of the exact words as proof. If we cannot confirm a rate, we leave that account out.
- Every rate on this page came from the bank's own website. We recheck every day, and we only call the list current for 36 hours.
- We rank by APY and nothing else.
- The average account rate (0.38%) is the FDIC's national savings rate, published through the Federal Reserve's FRED database.
- See a wrong rate? Tell us and we will check it. You can also read our full method or use the free data feed.