Our takeOur top rate at 4.2% APY, no opening minimum — best for rate chasers comfortable with a smaller online bank.
1
NB
NB
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
46 savings accounts · Updated July 9, 2026
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How we rankWe rank by total value — not the headline teaser rateSponsored offers are labeled and never ranked higher for payingEvery account here is FDIC-insured to $250,000Methodology →
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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.Ranked by true cost: APY, no-fee structure, minimum balance, FDIC/NCUA insurance, and opening friction.
Proof of math
Why Newtek Bank is currently ranked first here
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: 46 savings accounts tracked by SwitchWize, checked July 9, 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 46 savings accounts
Filters available:
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Our take4.15% APY with no opening minimum — 5 bps below our top pick.
2
FB
FB
Forbright Bank
FDIC insuredNo minimum
APY
4.15%
+$943
more per year vs your bank
Your bank pays 0.38%+3.77% higher APY
Our take4.1% APY with no opening minimum — 10 bps below our top pick.
3
PI
PI
PiBank
FDIC insuredNo minimum
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
Our takeOpen with just $100 — earns 4.1% APY.
4
CB
CB
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
Our takeOpen with just $100 — earns 4.01% APY.
5
VB
VB
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
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
6
BS
BS
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
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
7
EV
EV
EverBankTrusted
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
Our takeOpen with just $100 — earns 3.9% APY.
8
PD
PD
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
Our takeOpen with just $100 — earns 3.9% APY.
9
LB
LB
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
Our take3.85% APY with no opening minimum — 35 bps below our top pick.
10
ZB
ZB
Zynlo Bank
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Updated July 9, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure
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