SwitchWizeSmart financial decisions

42 savings accounts · Updated June 24, 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
$1,005/yr
The top account pays 4.40% APY — 12x your current rate. Switching is free and FDIC-insured.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.

Proof of math

Why PiBank is currently ranked first here

No paid ranking impact

Current

0.38% current rate

Alternative

4.40% APY at PiBank

Annual gap

$1,005

$25,000 × (4.40% - 0.38%) ÷ 100

Assumptions

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

Safety and friction

  • • Insurance type: FDIC
  • • Coverage is generally up to $250,000 per depositor, per insured institution, per ownership category.
  • • Estimated setup: 10 minutes
  • • 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: 42 savings accounts tracked by SwitchWize, checked June 24, 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 42 savings accounts
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Our takeOur top rate at 4.4% APY, no opening minimum — best for rate chasers comfortable with a smaller online bank.
1
PiBankTop rate
FDIC insuredNo minimum
APY
4.40%
+$1,005
more per year vs your bank
Your bank pays 0.38%+4.02% higher APY
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Full review·
Our take4.2% APY with no opening minimum — 20 bps below our top pick.
2
Newtek Bank
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 — 25 bps below our top pick.
3
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 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 takeOpen with just $100 — earns 4.01% APY.
5
Vio BankTrusted
FDIC insured$100 min
APY
4.01%
+$908
more per year vs your bank
Your bank pays 0.38%+3.63% higher APY
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Full review·
Our take40 bps under our top rate at 4% APY, but a widely recognized brand if you prefer a familiar bank.
6
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 takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
7
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.
8
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·
Our takeOpen with just $100 — earns 3.9% APY.
9
Popular DirectTrusted
FDIC insured$100 min
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·
Our takeRate-focused savers who want one of the highest available APYs with no monthly fees.
10
Limelight Bank
FDIC insured$100 min
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 June 24, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure