Compare savings and CD rates with the terms that matter.

Personal non-IRA CD. No minimum balance. Fixed APY for the CD term; after maturity, a rollover earns the rate then in effect. Official page states APYs are subject to change before opening.

Monthly fee: $0.00

Relationship requirement: To earn the 4.21% promotional APY, the linked Axos ONE Checking account must either receive at least $1,500 in monthly qualifying direct deposits and maintain at least a $1,500 average daily balance, or receive at least $5,000 in monthly qualifying deposits and maintain at least a $5,000 average daily balance during the qualification period.

Promotional APY applies to the first $249,999.99 when qualification requirements are met; balances of $250,000 and above earn a lower boosted APY. Standard savings APY applies when requirements are not met. Official page states APY accurate as of July 20, 2026.

Monthly fee: $0.00

Fixed-rate personal CD. Early withdrawal penalty may apply; 10-day grace period at maturity. Official rate table states the rate was accurate as of July 20, 2026.

CFG Bank personal 18-month CD. Official personal deposit page lists 4.17% APY, $500 minimum opening and daily balance, and $500,000 maximum initial funding. No additional deposits after initial funding.

Available online and in branch. Official CFG personal deposit page lists 4.15% APY for the 12-month CD, $500 minimum opening and daily balance, and a $500,000 maximum initial funding limit.

Monthly fee: $0.00

Fixed-rate personal CD. Early withdrawal penalty may apply; 10-day grace period at maturity. Official rate table states the rate was accurate as of July 20, 2026.

Bask Bank is a division of Texas Capital Bank. Fixed-rate CD; fund within 10 business days. Early withdrawal penalty may apply.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Monthly fee: $0.00

Pibank states that it is a brand of Intercredit Bank, N.A. and that deposit products are provided by Intercredit Bank. Bankular will reconcile the imported regulatory display name before publishing the institution profile.

Monthly fee: $0.00

Fixed-rate personal CD. Early withdrawal penalty may apply; 10-day grace period at maturity. Official rate table states the rate was accurate as of July 20, 2026.

CFG Bank personal 36-month CD. Official rates are accurate as of July 27, 2026 and list 4.05% APY, $500 minimum opening and daily balance, and no additional deposits after initial funding.

CIBC Bank USA's official Agility CD page lists 4.00% APY for the 18-month digital CD and a $1,000 minimum deposit.

Monthly fee: $0.00

Relationship requirement: Open a new Premium Savings Account during the June 5 through September 30, 2026 enrollment period. The 4.00% promotional APY applies for 180 days after account opening; after that, the account reverts to the variable standard APY.

Banking products and services are provided by Morgan Stanley Private Bank, National Association. Promotional APY is for new Premium Savings Accounts and is fixed for the 180-day promotion period; offer terms may be changed or ended by the bank.

Bask Bank is a division of Texas Capital Bank. Fixed-rate CD; fund within 10 business days. Early withdrawal penalty may apply.

Vio Bank is a division of MidFirst Bank. Official Vio Bank CD page lists 3.95% APY for the 18-month term, $500 minimum opening deposit, daily compounding and FDIC coverage through MidFirst Bank.

Monthly fee: $0.00

Bread Savings deposit product provided by Comenity Capital Bank. Variable APY; interest compounds daily. Personal accounts only.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Monthly fee: $0.00

New accounts only. Variable rate. Available online and by phone; may not apply to existing accounts.

Bask Bank is a division of Texas Capital Bank. Fixed-rate CD; fund within 10 business days. Early withdrawal penalty may apply.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Vio Bank is a division of MidFirst Bank. Official Vio Bank CD page lists 3.85% APY for the 6-month term, $500 minimum opening deposit and daily compounding. Rates are effective as of July 17, 2026.

Monthly fee: $0.00

Forbright Bank's official product-selection page lists a 3.85% standard APY for Growth Savings, no fees and no minimum deposit required. A separate limited-time new-customer APY boost is not used for this comparison rate.

Monthly fee: $0.00

Openbank is a division of Santander Bank, N.A. Its official page states the current service area includes every U.S. state and the District of Columbia, while product availability and the exact rate may vary by residential ZIP and select market. Minimum opening deposit is $500 and the account has no fees.

Bread Savings deposit product provided by Comenity Capital Bank. Interest compounds daily. Early withdrawal penalty applies; 10-day grace period at maturity.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Monthly fee: $0.00

Relationship requirement: New SoFi Checking and Savings members must open their first account by December 31, 2026 and receive an eligible direct deposit or $5,000 in qualifying deposits within 60 days. Qualifying activity must continue every 31 days to retain the boost for up to six months.

Limited-time 0.70% APY boost added to a 3.10% savings APY. New members only. The promotional boost lasts up to six months and the variable rate may change. SoFi's official page states the underlying rate was current as of May 28, 2026 and the promotion runs through December 31, 2026.

Online personal CD. Official First Internet Bank rates list 3.76% APY for the 6-month term, $1,000 minimum opening deposit, no monthly maintenance fee, monthly compounding and crediting, and a fixed rate for the term.

Monthly fee: $0.00

Relationship requirement: To earn 3.75% APY on the first $5,000 for the following month, receive at least $1,000 in qualifying direct deposits during the qualifying period and end the month with a positive balance in both the Varo Bank Account and Varo Savings Account.

Varo's official disclosures state APY is accurate as of July 1, 2026. The standard APY is 1.00%; the 3.75% APY applies to the first $5,000 after meeting the monthly qualification requirements, with balances above $5,000 earning the standard APY.

Monthly fee: $0.00

Bask Bank is a division of Texas Capital Bank. Variable APY; account may be closed if unfunded for 15 business days.

Monthly fee: $0.00

Variable-rate personal savings account. No minimum deposit or monthly maintenance fee. Interest compounds daily and is paid monthly. Official rate table states the rate was accurate as of July 20, 2026.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Fixed-rate CD. Early withdrawal penalty applies. 10-Day CD Rate Guarantee. Maximum balance limits apply.

Online personal CD. Official First Internet Bank page lists 3.67% APY for the 12-month term, $1,000 minimum opening deposit, no monthly maintenance fee, monthly compounding and crediting, and fixed rate for the term.

Forbright Bank Growth CD. Official product page lists 3.65% APY for the 12-month term, $1,000 minimum balance to fund and maintain the account, a 10-calendar-day funding period, and a 10-day rate guarantee if the published rate rises after opening or renewal. Principal withdrawal terms are governed by the official disclosure.

Bask Bank is a division of Texas Capital Bank. Fixed-rate CD; fund within 10 business days. Early withdrawal penalty may apply.

My eBanc is a division and trade name of Bradesco Bank. Official current rates list 3.60% APY for the 6-month Online Time Deposit, $5,000 minimum opening deposit, no maintenance fees and daily compounding.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

CIBC Bank USA's official Agility CD page lists 3.56% APY for the 6-month digital CD and a $1,000 minimum deposit.

My eBanc is a division and trade name of Bradesco Bank. The official product page lists 3.55% APY for the 18-month Online Time Deposit, $5,000 minimum opening deposit, no maintenance fees and daily compounding.

Quontic's current official rate sheet, accurate as of July 27, 2026, lists the 6-month CD at 3.50% APY with a $500 minimum opening and daily balance requirement.

Vio Bank is a division of MidFirst Bank. Official Vio Bank CD page lists 3.50% APY for the 36-month term, $500 minimum opening deposit and daily compounding. Rates are effective as of July 17, 2026.

My eBanc is a division and trade name of Bradesco Bank. The official product page lists 3.50% APY for the 24-month Online Time Deposit, $5,000 minimum opening deposit, no maintenance fees and daily compounding.

Vio Bank is a division of MidFirst Bank. Official Vio Bank CD page lists 3.50% APY for the 24-month term, $500 minimum opening deposit, daily compounding and FDIC coverage through MidFirst Bank.

Online consumer CD. Quontic's official rate sheet lists 3.50% APY for the 12-month term and requires a $500 minimum opening and daily balance to obtain the disclosed APY.

Monthly fee: $0.00

Variable-rate personal money market account. No minimum deposit or monthly maintenance fee. Check-writing access is available. Official rate table states the rate was accurate as of July 20, 2026.

My eBanc is a division and trade name of Bradesco Bank. Official current rates list 3.45% APY for the 36-month Online Time Deposit, $5,000 minimum opening deposit, no maintenance fees and daily compounding.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Fixed-rate CD. Early withdrawal penalty applies. APY applies to all CD principal balances.

Monthly fee: $0.00

Variable-rate online savings account. No fees and no minimum deposit. Maximum balance limits apply.

Online personal CD. Official First Internet Bank page lists 3.38% APY for the 18-month term, $1,000 minimum opening deposit, no monthly maintenance fee, monthly compounding and crediting, and a fixed rate for the term.

Online personal CD. Official First Internet Bank rates list 3.30% APY for the 36-month term, $1,000 minimum opening deposit, no monthly maintenance fee, monthly compounding and crediting, and a fixed rate for the term.

Online personal CD. First Internet Bank's official personal CD page lists 3.30% APY for the 24-month term, a $1,000 minimum opening deposit, no monthly maintenance fee, monthly compounding and crediting, and a fixed rate for the term.

Citizens Access is a division of Citizens Bank, N.A. The official rate sheet lists a fixed 3.25% APY for the 1 Year Online CD with a $5,000 minimum opening deposit.

Bank5 Connect is an online division of BankFive; FDIC insurance is under Fall River Five Cents Savings Bank, certificate 23286. Official current rates list 3.20% APY for the 6-month CD with a $500 minimum deposit and balance to earn APY.

Bank5 Connect is an online division of BankFive; FDIC insurance is under Fall River Five Cents Savings Bank, certificate 23286. Official Bank5 Connect rates list 3.20% APY for the 18-month CD with a $500 minimum deposit and balance to earn APY.

Quontic's current official rate sheet, accurate as of July 27, 2026, continues to list the 24-month CD at 3.15% APY with a $500 minimum opening and daily balance requirement.

Monthly fee: $0.00

American Express National Bank's official High Yield Savings page displays 3.10% APY. Variable APY, no minimum balance required to open or earn the disclosed APY, no monthly fee, and interest compounds daily.

Citizens Access is a division of Citizens Bank, N.A. The official rate sheet lists a fixed 3.00% APY for the 2 Year Online CD with a $5,000 minimum opening deposit.

CIBC Bank USA's official Agility CD page lists 3.00% APY for the 24-month digital CD and a $1,000 minimum deposit.

Monthly fee: $0.00

Citizens Access is a division of Citizens Bank, N.A. The current official rate sheet served by Citizens Access lists 3.00% APY for both published balance tiers, with a 2.96% interest rate. Variable rate; no service fees.

Monthly fee: $0.00

Ally Bank's official Savings Account page displays 3.00% APY as of August 5, 2026. Variable rate, no monthly maintenance fee, no minimum opening deposit, and interest compounds daily.

Relationship requirement: Requires an HSBC Premier checking relationship. The Relationship APY is automatic for the account-opening month plus the next three full calendar months; after that, customers must meet at least one monthly qualification such as $500 in eligible debit-card purchases/payments, $500 in payments to linked HSBC credit cards, $5,000 in qualifying direct deposits, an eligible HSBC U.S. mortgage, or Premier Elite status.

Official HSBC rate table lists a 0.05% Standard APY and 3.00% Relationship APY on balances of $1 or more. APYs are variable and subject to change.

Quontic's current official rate sheet, accurate as of July 27, 2026, lists the 36-month CD at 2.85% APY with a $500 minimum opening and daily balance requirement.

Monthly fee: $0.00

Personal non-IRA account. Variable APY; charges for specific services may reduce earnings.

Citizens Access is a division of Citizens Bank, N.A. The official rate sheet lists a fixed 2.75% APY for the 3 Year Online CD with a $5,000 minimum opening deposit.

Alto is an online BMO brand. The official Alto CD page lists 2.50% APY for the 6-month term as of July 9, 2026, with no minimum opening deposit or minimum balance requirement.

Monthly fee: $0.00

Bask Bank is a division of Texas Capital Bank. Interest checking with no monthly account fee or minimum balance requirement.

Bank5 Connect is an online division of BankFive; FDIC insurance is under Fall River Five Cents Savings Bank, certificate 23286. Official current rates list 0.85% APY for the 36-month CD and a $500 minimum deposit and balance to earn APY.

BMO's official Standard CD table lists 0.75% APY for the 36-month term for ZIP code 60603, with a $1,000 minimum balance required. BMO CD rates vary by ZIP code, so this rate is stored as a local-market example rather than a nationwide offer.

BMO's official Standard CD table lists 0.75% APY for the 24-month term for ZIP code 60603, with a $1,000 minimum balance required. BMO CD rates vary by ZIP code, so this rate is stored as a local-market example rather than a nationwide offer.

BMO's official Standard CD table lists 0.75% APY for the 18-month term for ZIP code 60603, with a $1,000 minimum balance required. BMO CD rates vary by ZIP code, so this rate is stored as a local-market example rather than a nationwide offer.

BMO's official Standard CD table lists 0.75% APY for the 12-month term for ZIP code 60603, with a $1,000 minimum balance required. BMO CD rates vary by ZIP code, so this rate is stored as a local-market example rather than a nationwide offer.

Monthly fee: $0.00

Official BMO page lists 0.60% APY as of July 18, 2026 for the displayed 60603 ZIP and states that this APY applies to residents of Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri or Wisconsin. Variable rate; fees or withdrawals may reduce earnings.

Monthly fee: $0.00

FDIC-insured savings account offered by Charles Schwab Bank, SSB. Official Schwab page lists 0.15% APY and no monthly service fee.

Monthly fee: $0.00

Official First Citizens page lists 0.10% APY on the daily balance, a $50 minimum opening deposit, no monthly service charge, and a maximum $1,000,000 balance for the advertised APY. Account opening is subject to bank approval.

Eligibility: USAA membership eligibility and product restrictions apply.

Official USAA savings rate table lists 0.01% APY across the published USAA Savings balance tiers. Variable APYs were current as of July 10, 2026 on the official rate modal.