9 out of 10 Americans overpay their bank. You don't have to.
The average saver loses roughly $1,200 a year in interest just by staying put. MyBankFinder tracks real APYs across the largest U.S. banks every day — so the better rate isn't hidden from you anymore.
Banks and credit unions we monitor
Rate updates, straight from bank data
Average lost by savers who don't switch
Independent — we're not owned by a bank
Where should your money live now?
Every account type has a best-in-class option. Pick your goal — we'll show you the winners.
the national average APY
High-Yield Savings
The average U.S. savings account still pays 0.40%. The best HYSAs we track pay 10x that — with no fees and no minimums. We rank them by real APY, not marketing.
See top HYSAs →
HAB Bank
CD · 6mo
4.50% APY
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North American Savings Bank FSB
12-Month Jumbo CD Special · 12mo
4.50% APY
Open Now
ValorFI Heroes
CD · 6mo
4.50% APY
Open Now
HAB Bank
CD · 12mo
4.50% APY
Open Now
Quorum Federal Credit Union
CD · 12mo
4.35% APY
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Quorum Federal Credit Union
CD · 6mo
4.30% APY
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ValorFI Heroes
CD · 12mo
4.25% APY
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Ivy Bank
CD · 6mo
4.25% APY
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Finworth
CD · 12mo
4.25% APY
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Barclays
CD · 12mo
4.25% APY
Open Now
Alliant Credit Union
CD · 12mo
4.15% APY
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CIT Bank
Platinum Savings
4.10% APY
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Municipal Credit Union
12 Mo Special- New Money Required · 12mo
4.07% APY
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Peak Bank
Envision High-Yield Savings
4.01% APY
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Barclays
CD · 6mo
4.00% APY
Open Now
Flagler Credit Union
CD · 12mo
4.00% APY
Open NowCommunity Savings
CD · 12mo
4.00% APY
Open Now
Bread Savings
Savings Account
3.95% APY
Open Now
Limelight Bank
High-Yield Savings
3.90% APY
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Popular Direct
Exclusive Savings
3.90% APY
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State Bank of India (California)
CD · 6mo
3.85% APY
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Live Oak Bank
Personal Savings Account
3.80% APY
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Colorado Federal Savings Bank
High Yield Savings
3.80% APY
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Openbank
Savings Account
3.80% APY
Open Now
Integro Bank
CD · 6mo
3.75% APY
Open NowCommunity Savings
CD · 6mo
3.75% APY
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Seattle Bank
CD · 12mo
3.75% APY
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American Bank of Freedom
CD · 6mo
3.65% APY
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American Bank of Freedom
12 Mo Special · 12mo
3.65% APY
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Alliant Credit Union
CD · 6mo
3.60% APY
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Flagler Credit Union
CD · 6mo
3.55% APY
Open Now
Seattle Bank
CD · 6mo
3.50% APY
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Dort Financial Credit Union
CD · 6mo
3.50% APY
Open Now
Dort Financial Credit Union
CD · 12mo
3.50% APY
Open Now
Integro Bank
12 Mo Premier Checking Account Required · 12mo
3.50% APY
Open Now
Municipal Credit Union
CD · 6mo
3.30% APY
Open Now
HAB Bank
CD · 6mo
4.50% APY
Open NowNorth American Savings Bank FSB
12-Month Jumbo CD Special · 12mo
4.50% APY
Open NowValorFI Heroes
CD · 6mo
4.50% APY
Open NowHAB Bank
CD · 12mo
4.50% APY
Open NowQuorum Federal Credit Union
CD · 12mo
4.35% APY
Open NowQuorum Federal Credit Union
CD · 6mo
4.30% APY
Open NowValorFI Heroes
CD · 12mo
4.25% APY
Open NowIvy Bank
CD · 6mo
4.25% APY
Open NowFinworth
CD · 12mo
4.25% APY
Open NowBarclays
CD · 12mo
4.25% APY
Open NowAlliant Credit Union
CD · 12mo
4.15% APY
Open NowCIT Bank
Platinum Savings
4.10% APY
Open NowMunicipal Credit Union
12 Mo Special- New Money Required · 12mo
4.07% APY
Open NowPeak Bank
Envision High-Yield Savings
4.01% APY
Open NowBarclays
CD · 6mo
4.00% APY
Open NowFlagler Credit Union
CD · 12mo
4.00% APY
Open NowCommunity Savings
CD · 12mo
4.00% APY
Open NowBread Savings
Savings Account
3.95% APY
Open NowLimelight Bank
High-Yield Savings
3.90% APY
Open NowPopular Direct
Exclusive Savings
3.90% APY
Open NowState Bank of India (California)
CD · 6mo
3.85% APY
Open NowLive Oak Bank
Personal Savings Account
3.80% APY
Open NowColorado Federal Savings Bank
High Yield Savings
3.80% APY
Open NowOpenbank
Savings Account
3.80% APY
Open NowIntegro Bank
CD · 6mo
3.75% APY
Open NowCommunity Savings
CD · 6mo
3.75% APY
Open NowSeattle Bank
CD · 12mo
3.75% APY
Open NowAmerican Bank of Freedom
CD · 6mo
3.65% APY
Open NowAmerican Bank of Freedom
12 Mo Special · 12mo
3.65% APY
Open NowAlliant Credit Union
CD · 6mo
3.60% APY
Open NowFlagler Credit Union
CD · 6mo
3.55% APY
Open NowSeattle Bank
CD · 6mo
3.50% APY
Open NowDort Financial Credit Union
CD · 6mo
3.50% APY
Open NowDort Financial Credit Union
CD · 12mo
3.50% APY
Open NowIntegro Bank
12 Mo Premier Checking Account Required · 12mo
3.50% APY
Open NowMunicipal Credit Union
CD · 6mo
3.30% APY
Open NowBest banks, CD and savings rates today
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