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The FDIC put the national average savings rate at 0.38% APY as of 06/15/26. Eight accounts advertise well above that — here's the rate each one lists, and the deposit test, tier, or promotional window attached to it.
A high-yield savings account can help your money earn higher interest while keeping your cash accessible. See how these accounts work, where they make sense, and what to check before moving your emergency fund or short-term savings.
American Express National Bank pays 3.00% APY on every balance with no minimum deposit and no monthly fee, but the account has no debit card, no ATM access, and no way to deposit cash. Here's how it stacks up against higher-paying alternatives.
A survey of 1,000 U.S. adults found that the most common reason people bank where they bank isn't the rate or the app — it's how close the branch is to home. Here's what else the data shows about how people pick banks, when they pick them, and how rarely they change their minds.
Learn how the FDIC insurance limit works, which bank accounts qualify for coverage, and how ownership categories can protect deposits above $250,000.
Five current bank bonuses skip the direct deposit requirement — and replace it with a transaction count, a monthly savings habit, or a balance you can't touch for months. Here's what each one asks for, what it pays, and when the money lands.
