Top savings accounts right now
We compare high-yield savings accounts from FDIC-insured banks on savings rate (APY), fees, minimum deposit and bonuses. Savings rates are variable — confirm the current APY with the bank before you open a savings account.
How Earny helps you find the best savings account
Compare high-yield savings accounts, savings rates and bonuses in plain English. Earny does the comparing, the math and the fine print.
Compare savings account rates
Earny tracks high-yield savings account APYs every day and shows which banks pay the most on your savings right now.
Savings account bonuses
See current cash bonuses for opening a savings account, the deposit you need and how long your savings must stay in.
See what your savings earn
Tell Earny your savings balance and it shows what you'd earn in interest each month and each year, after fees.
Safe, insured savings
Earny only suggests FDIC-insured banks and NCUA-insured credit unions, and flags savings account fine print worth reading.
Savings account questions, answered
What is the best savings account right now?
The best savings account depends on your balance and goals. Earny compares high-yield savings accounts on APY, fees, minimum deposit and sign-up bonuses, and shows the top savings accounts you can open today in the chart above.
What is a high-yield savings account?
A high-yield savings account is a savings account that pays a much higher interest rate (APY) than a traditional bank savings account. Most are offered by online banks with no monthly fees, and they are FDIC-insured like any other savings account.
How does Earny find the best savings account for me?
Earny asks how much you want to save, how soon you need the money and whether you prefer a bonus or the highest ongoing APY, then filters live savings account, money market and CD offers to the ones that fit.
How much interest will my savings earn?
Your savings earn interest based on the APY and your balance. For example, $10,000 in a savings account at 4.00% APY earns about $400 in a year. Ask Earny with your own balance to see the monthly and yearly numbers.
Is my money safe in a high-yield savings account?
Yes, when the bank is FDIC-insured or the credit union is NCUA-insured. Your savings are protected up to $250,000 per depositor, per institution, per ownership category. Earny only recommends insured savings accounts.
Are the savings rates Earny quotes up to date?
Earny works from savings rate data we refresh continuously. Savings account APYs are variable and can change, so always confirm the final rate on the bank's own page before you deposit.
Is Earny free to use?
Yes, Earny is completely free. PickYourBank may earn a referral fee if you open a savings account through our links, which can affect where offers appear.
Where can I talk to Earny about savings?
Right here in the chat on this page, or on SMS, WhatsApp and Telegram. You can also ask Earny to call you. Same savings AI, same answers.