Our takeOnline-first savers who want straightforward FDIC-insured savings with competitive rates.
1
PI
PiBankTop rate
FDIC insuredNo minimum
APY
4.40%
+$1,005
more per year vs your bank
your rate 0.38%top 4.40%
45 savings accounts · Updated daily
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.
Independent rankingsMethodology →
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 →
Looking to lock a rate?Compare CDs →
Your balance$25,000
Your bank pays0.38%
%
Not sure? Use national average.
Annual opportunity
$1,005/yr
The top account pays 4.40% APY — 12x your current rate. Switching is free and FDIC-insured.
Advertising disclosure: Some products are from partners. This does not affect rankings.
Full disclosure →Methodology
How rankings work
We rank for overall fit: APY, fees, insurance status, minimums, access, and opening friction.
Daily checkedSponsored labeled
Last checkedJun 5, 2026
Data sourcesProvider pages, public rate observations, and manual review.
Confidence ruleAccounts with missing APY, fee, or insurance data are excluded from top rankings.
After clickRates and promo terms can change after click; verify on the provider site.
Sponsored products are labeled and compensation does not determine rank.
Showing 45 savings accounts
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Our takeRate-focused savers who want a top-tier APY with no monthly fees from an FDIC-insured bank.
2
NB
Newtek Bank
FDIC insuredNo minimum
APY
4.20%
+$955
more per year vs your bank
your rate 0.38%top 4.20%
Our takeSavers willing to open a linked checking account to unlock CIT's top savings rate.
3
CB
CIT Bank
FDIC insured$100 min
APY
4.10%
+$930
more per year vs your bank
your rate 0.38%top 4.10%
Our takeRate-focused savers who want a no-fee online savings account backed by a large, stable private bank.
4
VB
Vio BankTrusted
FDIC insured$100 min
APY
4.03%
+$913
more per year vs your bank
your rate 0.38%top 4.03%
Our takeSavers who can consistently deposit $250+ per month and want a top-tier rate with no fees.
5
LE
LendingClubTrusted
FDIC insuredNo minimum
APY
4.00%
+$905
more per year vs your bank
your rate 0.38%top 4.00%
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
6
BS
Bread SavingsTrusted
FDIC insured$100 min
APY
4.00%
+$905
more per year vs your bank
your rate 0.38%top 4.00%
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
7
EV
EverBankTrusted
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
your rate 0.38%top 3.90%
Our takeRate-focused savers who want a top-tier APY from an FDIC-insured bank with no monthly fees.
8
PD
Popular DirectTrusted
FDIC insured$100 min
APY
3.90%
+$880
more per year vs your bank
your rate 0.38%top 3.90%
Our takeRate-focused savers who want one of the highest available APYs with no monthly fees.
9
LB
Limelight Bank
FDIC insured$100 min
APY
3.90%
+$880
more per year vs your bank
your rate 0.38%top 3.90%
Our takeEveryday spenders who want to automate savings and earn a strong no-fee APY.
10
ZB
Zynlo Bank
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
your rate 0.38%top 3.85%