Bank Rates
Compare CD rates, savings account APYs, money market rates, and mortgage rates from top banks. Browse by state or explore our national rate comparisons.
All savings accounts and CDs listed here are at FDIC-insured banks, meaning deposits up to $250,000 per institution are federally protected. Rates move with Federal Reserve policy — verify current rates directly with each institution before opening an account. For independent rate benchmarks, see Bankrate.
National High-Yield Savings Rates
| Bank | Savings APY | 12-Month CD APY | Min. Deposit | Review |
|---|---|---|---|---|
| Bread Savings | 4.15% | 4.50% | $0 | Review |
| Synchrony Bank | 4.10% | 4.50% | $0 | Review |
| Popular Direct | 4.10% | 4.55% | $0 | Review |
| CIT Bank | 4.05% | 4.40% | $0 | Review |
| Ally Bank | 4.00% | 4.50% | $0 | Review |
| Discover Bank | 4.00% | 4.50% | $0 | Review |
| Marcus by Goldman Sachs | 4.00% | 4.50% | $0 | Review |
| Barclays | 4.00% | 4.40% | $0 | Review |
| SoFi | 4.00% | N/A | $0 | Review |
| Current | 4.00% | N/A | $0 | Review |
| American Express Bank | 3.90% | 4.25% | $0 | Review |
| Varo | 3.00% | N/A | $0 | Review |
| Chime | 2.00% | N/A | $0 | Review |
Rates shown are for illustration. Verify current rates directly with each institution. See Bankrate for additional CD rate comparisons.
Best CD Rates by State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Best Savings Accounts by State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Best Mortgage Rates by State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Rate Guides
High-Yield Savings Accounts Guide 2026
How they work, which banks win, and how to squeeze every dollar out of them.
CD Laddering: Maximize Your Returns
Build a CD ladder for locked-in rates and rolling liquidity with real numbers.
Fixed vs Adjustable Rate Mortgages
The math, the scenarios, and the real answer for 2026.