Ranking · Savings Accounts · 2026
Best Savings Accounts in the U.S.
Ranked by the highest advertised APY. Ties are broken by the lowest minimum opening deposit.
We compared 5 major U.S. banks to build this ranking, using figures each bank discloses publicly. Every product links back to its source — check the verification date before relying on it for a decision.
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Your figures
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Related reading
A ranking is only as useful as the criteria behind it. These explain the ones we used.
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including compounding. It's the number to compare — not the interest rate alone.Guide · 3 min read
- HYSA vs. Traditional Savings: You Are Probably Losing Money Right NowA high-yield savings account is the same product as the savings account you already have — same insurance, same access, same $0 to open at most banks. The only difference is the rate, and the gap between the best and the worst in our own lineup is large enough to notice.Guide · 4 min read
- Which of the 10 Banks We Track Pays the Most on Savings Right NowCapital One's 360 Performance Savings leads our lineup at 4.10% APY, more than double the next-highest rate. Three of the ten banks we track pay 0.02% or less.News · 3 min read
Run the numbers
The ranking says which product pays or costs more. These say what the difference is worth on your own figures.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
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