On a $50,000 balance, the biggest branch banks pay 0.01%–0.05% on savings. Verified high-yield accounts pay up to 3.95% — same FDIC insurance, same dollars, different address. Your receipt is below.
Simple first-year difference before compounding and taxes. Standard, nationally available APYs only — verified July 31, 2026against each bank’s own published page plus one independent source. Rates are variable and change without notice; FDIC insurance limits apply.
Every figure below is checked against the bank’s own published rate page andone independent public source, then dated. When we can’t verify a rate, we don’t show it.
The banks below don’t pay us, don’t sponsor placement, and can’t buy a better position. These are standard, no-strings rates — no six-month teasers, no sign-up-bonus fine print. Every button links straight to the bank’s own page; we earn nothing if you open an account. We publish this because finding money for regular households is our whole business.
| Institution | APY | High-yield savings | Money market | Standard rate | No strings | Min to open | Link to the bank’s own rate page |
|---|---|---|---|---|---|---|---|
| Bread SavingsHigh-Yield SavingsAPY applies to all balances | 3.95% | Yes | No | Yes | Yes | $100 | See rate → |
| EverBankPerformance SavingsAPY applies to all balances | 3.90% | Yes | No | Yes | Yes | None | See rate → |
| Popular DirectExclusive SavingsAPY applies to all balances | 3.90% | Yes | No | Yes | Yes | $100 | See rate → |
| Zynlo BankMoney MarketAPY applies to all balances | 3.90% | No | Yes | Yes | Yes | None | See rate → |
| Zynlo BankTomorrow SavingsAPY applies to all balances | 3.85% | Yes | No | Yes | Yes | None | See rate → |
| Quontic BankMoney MarketAPY applies to all balance tiers | 3.80% | No | Yes | Yes | Yes | $100 | See rate → |
| CFG BankHigh Yield Money Market$1,000 daily minimum to earn APY and avoid a $10 monthly fee | 3.80% | No | Yes | Yes | Yes | $1,000 | See rate → |
Every row verified July 31, 2026against the bank’s own published page plus one independent source. All Member FDIC. “Standard rate” means the bank’s everyday published APY — never a promotional teaser. “No strings” means no new-customer, direct-deposit, or activity requirements to earn it.
All FDIC-insured. Promotional and limited-time rates excluded on principle. FDIC national average savings rate: 0.38% (as of July 20, 2026).
The same check, run on the eleven biggest branch banks — with each bank’s own rate page and phone number, so you can confirm every figure yourself.
| Institution | APY |
|---|---|
| JPMorgan ChaseChase Savings | 0.01% |
| Bank of AmericaAdvantage Savings | 0.04% |
| CitibankCiti Savings | 0.03% |
| Wells FargoWay2Save Savings | 0.01% |
| U.S. BankBank Smartly Savings | 0.05% |
| PNC BankStandard Savings | 0.02% |
| TruistTruist One Savings | 0.01% |
| TD BankTD Simple Savings | 0.02% |
| Citizens BankOne Deposit Savings | 0.01% |
| Webster BankPersonal Savings | 0.01% |
| M&T BankRelationship Savings | 0.01% |
| Online-only arms of big institutions | |
| Capital One360 Performance Savings | 3.00% |
| Goldman Sachs Bank USAMarcus Online Savings | 3.40% |
| Morgan Stanley Private BankPremium Savings (via E*TRADE) | 3.50% |
Online-only arms are branchless products, listed separately — no branch network is part of how they pay near-top rates. Fifth Third Bank and KeyBank: standard rates could not be re-verified against the banks’ own pages, so no figure is shown.
The other half is what you’re paying — a typical 1% advisory fee quietly compounds against you. Our sister calculator shows that number in about a minute.
Only standard, nationally available, no-strings APYs are listed. Promotional, new-customer, limited-time, and activity-conditioned rates are excluded. Every row must be verifiable against the institution's own published rate page plus at least one independent public source. If a row cannot be re-verified, it is marked stale and keeps its last verified figure and date; unverified numbers are never published.
A Connecticut-registered, flat-fee fiduciary — real financial advice for $100 a month, from a CFA Charterholder & CFP® practitioner. Verifying numbers like these is the day job.