Bankmatch
Match
Personal

Savings accounts in United States

Instant-access savings with the protected amount and rate conditions in plain sight.

14Offers
—Best APR
6Providers
  • âś“Free to compare
  • âś“Supervised by OCC, FDIC and the CFPB
  • âś“FDIC deposit insurance up to $250,000

read live from provider feeds

Market coverage: 14 providers tracked in this market. Providers pay us, usually only if you take up a product; the order is computed from the rate they publish — read how we order lists and where the figures come from. How we order lists Data sources.

Available now

Savings accounts you can open today

Live from the providers we have a distribution agreement with in your market.

1

Always Bank High Yield CDs

8.54.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

2

Always High-Yield Savings

8.54.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Always High-Yield Savings is 4.10% APY, variable, effective as of 12:01 AM ET on the retrieval date, with $0 monthly fee and $0 minimum. Powered by 22nd State Banking Company, Member FDIC. Alabama law governs the account. Source: always.bank/savings, 2026-08-27.

3

Consumers Credit Union Certificates

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

4

Consumers Credit Union Health Savings

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

5

Consumers Credit Union Savings

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

6

Consumers Credit Union Smart Saver

8.74.4(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

7

Ivy Bank CDs

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

8

Ivy Bank High-Yield Savings

8.64.3(1)
Savings rate
Not shown here
Deposit
$2,500–$1,000,000
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

HYSA APYs effective 18 August 2026: 3.85% at $2,500–$1,000,000 and 0.05% at $10–$2,499.99. Variable. $2,500 minimum opening deposit. Transfers/withdrawals may be limited to six per calendar month. CDs: 1-year 4.05% APY and 3-month 4.00% APY, $1,000 to open. Source: ivybank.com, 2026-08-27.

9

Peak Bank Envision High-Yield Savings

8.54.3(1)
Savings rate
Not shown here
Deposit
$100
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Advertised APY is for new Envision accounts only and is accurate as of 1 August 2026: 4.01% from $0.01 through $499,999.99 and 3.14% at $500,000+. Variable. $100 to open; opening funds subject to a 5-business-day hold. Consumer accounts only — no business accounts. Source: peak.bank/peak-bank/savings, 2026-08-27.

10

Peak Bank High-Yield CDs

8.54.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

11

Quorum Certificate/Term Account (like a CD)

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

12

Quorum HighMarq Savings

8.64.3(1)
Savings rate
Not shown here
Deposit
$10,000
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

HighMarq Savings APY is 4.00% (3.93% dividend rate) as of 13 August 2026 for a $10,000+ average daily balance; variable after opening. No minimum to open; $10 monthly fee without eStatements. Source: quorumfcu.org/savings/highmarq, 2026-08-27.

13

Quorum HighQ Savings

8.64.3(1)
Savings rate
Not shown here
Deposit
n/a
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

14

Western Alliance High-Yield Savings

8.54.3(1)
Savings rate
Not shown here
Deposit
$500–$250,000
  • Free withdrawals
  • CFPB
Open account
Full review

We do not show a rate for this account. The provider publishes one, but not the qualifying balance, opening deposit and rate date that must be shown alongside a yield in this market — and quoting the rate without them would be worse than leaving it out. The provider's own page carries the current figure.

Example

3.80% APY accurate as of 8 January 2026, variable, requires $500 to open and $0.01 to earn. Source: westernalliancebancorporation.com high-yield savings, 2026-08-27.

Labels are derived from the published terms in this list — the lowest rate, the fastest stated payout, the widest amount range — and are recalculated whenever the list changes. They are not paid placements.

Advertiser disclosure. No rate on this page is comparable across the products listed, so the list is not ranked on price. It is ordered alphabetically by provider instead. How this list is ordered

Bankmatch is paid by the providers whose products appear here, in most cases only if you go on to be approved for or take up a product. Payment does not affect the order of this list, or the rates and fees shown, which come from the provider.

The order is calculated before any commercial term is considered. No provider can buy a higher position, no placement here is for sale, and products with no published rate appear last.

Deposit accounts shown are offered by the named institution, not by Bankmatch. Bankmatch is not an FDIC-insured institution and deposits are not made with Bankmatch. Confirm the institution's insured status at FDIC BankFind before you deposit.

NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE. Investment and insurance products are not deposits, are not insured by the FDIC or any federal government agency, are not guaranteed by any bank, and may lose value.

We collect what you enter on this form to show you matching products and, where you agree, to email you. We do not sell or share personal information, and we do not disclose it to any lender. Our privacy notice explains what we hold, how long we keep it, and how to access, correct or delete it.

Payment does not affect this order. No provider can buy a higher position, and the order is calculated from published rates before any commercial term is considered. Products with no published rate appear last.

Where two products carry the same rate, the earlier one keeps its place. Products we earn nothing from are ordered the same way as products we do.

We do not cover every product on the market. A provider absent from this list is not a judgement about it.

Quorum Federal Credit Union: Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.

Always Bank: Always High-Yield Savings is 4.10% APY, variable, effective as of 12:01 AM ET on the retrieval date, with $0 monthly fee and $0 minimum. Powered by 22nd State Banking Company, Member FDIC. Alabama law governs the account. Source: always.bank/savings, 2026-08-27.

Ivy Bank: HYSA APYs effective 18 August 2026: 3.85% at $2,500–$1,000,000 and 0.05% at $10–$2,499.99. Variable. $2,500 minimum opening deposit. Transfers/withdrawals may be limited to six per calendar month. CDs: 1-year 4.05% APY and 3-month 4.00% APY, $1,000 to open. Source: ivybank.com, 2026-08-27.

Peak Bank: Advertised APY is for new Envision accounts only and is accurate as of 1 August 2026: 4.01% from $0.01 through $499,999.99 and 3.14% at $500,000+. Variable. $100 to open; opening funds subject to a 5-business-day hold. Consumer accounts only — no business accounts. Source: peak.bank/peak-bank/savings, 2026-08-27.

Quorum Federal Credit Union: HighMarq Savings APY is 4.00% (3.93% dividend rate) as of 13 August 2026 for a $10,000+ average daily balance; variable after opening. No minimum to open; $10 monthly fee without eStatements. Source: quorumfcu.org/savings/highmarq, 2026-08-27.

Western Alliance Bank: 3.80% APY accurate as of 8 January 2026, variable, requires $500 to open and $0.01 to earn. Source: westernalliancebancorporation.com high-yield savings, 2026-08-27.

Local to United States

Products that only exist in this market

HSA

Triple-tax-advantaged health savings account, paired with a high-deductible plan.

529 plan

State-sponsored education savings with tax-free qualified withdrawals.

Certificates of deposit

Fixed-term deposits with FDIC protection and early-withdrawal penalties.

Open the local calculators

Pricing shown is indicative and taken from published price lists for United States. It is a comparison based on published product criteria — not financial advice, and never a promise of approval.

Savings accounts in United States are deposits you can usually reach without a long lock-up. Bankmatch lists licensed providers with a live apply link. Eligible balances are covered by FDIC deposit insurance under OCC, FDIC and the CFPB — a higher advertised rate is not a reason to ignore the licence or the protection limit.

What to compare

  • The advertised rate and the conditions that keep it (minimum balance, new-money only, a teaser period).
  • How fast you can withdraw, and whether a withdrawal kills the rate.
  • Whether the account sits with a deposit-taker covered by FDIC deposit insurance.

A tax wrapper available in this market can change the net return even when the headline rate looks ordinary. Tax wrappers and savings and deposit protection explain those two lines. Sketch growth in the savings calculator or the local tools.

Fixed terms are a different product: term deposits. Everyday banking sits with banks. Borrowing is not saving — start from personal loans if you need credit.

FAQ

Questions readers in this market ask

Answered with local rules, local supervision and local pricing — not a translated US page.

Which savings rate is highest in United States?

Use the rate on a written offer, and check whether it is an introductory bonus. Eligible deposits stay within the FDIC deposit insurance limit of $250,000. We do not invent a market-top figure.

Are there tax-efficient savings products here?

HSA: Triple-tax-advantaged health savings account, paired with a high-deductible plan. 529 plan: State-sponsored education savings with tax-free qualified withdrawals. Certificates of deposit: Fixed-term deposits with FDIC protection and early-withdrawal penalties.

Who supervises the providers compared on Bankmatch in United States?

Every institution listed for United States is supervised by OCC, FDIC and the CFPB. Eligible deposits are covered by FDIC deposit insurance up to $250,000 per depositor and institution.

What does "APR" mean here?

APR is the effective annual cost used in United States, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.

Do you check my credit to show matches?

Providers in United States assess applications with a FICO score. We shortlist on the published minimum criteria only — Bankmatch never runs a credit check.

How current is the pricing on this page?

Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.