SwitchWizeSmart financial decisions

40 savings accounts · Updated August 11, 2026

See exactly what your savings should be earning

Set your balance and what your bank pays today. Every account shows the real dollars you're missing each year. Switching is free and FDIC-insured.

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Your balance$25,000
Your bank pays0.38%
Or enter exact
%
Annual opportunity
$955/yr
The top account pays 4.20% APY — 11x your current rate. Switching is free and FDIC-insured.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.

Proof of math

Why Newtek Bank is currently ranked first here

No paid ranking impact

Your current rate

0.38% current rate

Best available

4.20% APY at Newtek Bank

You could earn more

$955

per year · $80/mo

How we calculated this

$25,000 × (4.20% - 0.38%) ÷ 100

Assumptions

  • •$25,000 comparison balance.
  • •0.38% current rate entered on this page.
  • •Annualized simple-interest estimate before taxes.

Safety & friction

FDIC Insured~10 min setup

Coverage is generally up to $250,000 per depositor, per insured institution, per ownership category.

Deposit accounts are intended for liquid cash, subject to account transfer limits and processing times.

Why ranked here: Rank is based on current APY, fees, minimums, trust signals, and the active filters on this page.

Freshness: 40 savings accounts tracked by SwitchWize, checked August 11, 2026

SwitchWize may earn compensation from some partners. Sponsored status is disclosed and can be hidden with the page filter.

Rates and terms can change. Verify account details before opening.

Showing 40 savings accounts
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Our takeOur top rate at 4.2% APY, no opening minimum — best for rate chasers comfortable with a smaller online bank.
1
Newtek BankTop rate
FDIC insuredNo minimum
APY
4.20%
+$955
more per year vs your bank
Your bank pays 0.38%+3.82% higher APY
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Full review·
Our take4.15% APY with no opening minimum — 5 bps below our top pick.
2
Forbright Bank
FDIC insuredNo minimum
APY
4.15%
+$943
more per year vs your bank
Your bank pays 0.38%+3.77% higher APY
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Full review·
Our take4.1% APY with no opening minimum — 10 bps below our top pick.
3
PiBank
FDIC insuredNo minimum
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
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Full review·
Our takeOpen with just $100 — earns 4.1% APY.
4
CIT Bank
FDIC insured$100 min
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
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Full review·
Our take20 bps under our top rate at 4% APY, but a widely recognized brand if you prefer a familiar bank.
5
LendingClubTrusted
FDIC insuredNo minimum
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
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Full review·
Our takeRate-focused savers who want one of the highest available APYs with no monthly fees.
6
Limelight Bank
FDIC insured$100 min
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
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Full review·
Our take$1,000 minimum deposit; earns 4% APY. Minimum deposit required.
7
Valley Direct
FDIC insured$1,000 min
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
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Full review·
Our takeOpen with just $100 — earns 3.99% APY.
8
Vio BankTrusted
FDIC insured$100 min
APY
3.99%
+$903
more per year vs your bank
Your bank pays 0.38%+3.61% higher APY
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Full review·
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
9
Bread SavingsTrusted
FDIC insured$100 min
APY
3.95%
+$893
more per year vs your bank
Your bank pays 0.38%+3.57% higher APY
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Full review·
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
10
EverBankTrusted
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
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Full review·
Updated August 11, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure

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