Rates last checked: November 9 to 11, 2026. Updated weekly.
This tracker lists the rates major online banks are paying on savings accounts, CDs and money market accounts, read directly on each bank’s own website. Every row shows the date we checked it, and the conditions you need to meet to earn the rate. It isn’t a complete list of every bank in the country, and no bank pays to be included.
High-yield savings accounts
| Bank and account | APY | Earned on $10,000 in a year | Minimum to open | Conditions | Checked |
|---|---|---|---|---|---|
| EverBank Performance Savings | 4.20% | $420 | $0 | Rate for new accounts | Nov. 6, 2026 |
| Synchrony High Yield Savings | 3.75% | $375 | $0 | None | Nov. 11, 2026 |
| Marcus by Goldman Sachs Online Savings | 3.50% | $350 | $0 | None | Nov. 10, 2026 |
| SoFi Savings | 3.30% (up to 4.40%) | $330 | $0 | 4.40% for up to 6 months with qualifying direct deposits | Oct. 20, 2026 |
| Ally Online Savings | 3.20% | $320 | $0 | None | Nov. 9, 2026 |
| Capital One 360 Performance Savings | 3.20% | $320 | $0 | None | Nov. 11, 2026 |
| American Express High Yield Savings | 3.20% | $320 | $0 | None | Nov. 10, 2026 |
| Varo Savings | 1.00% (up to 3.75%) | $100 | $0 | 3.75% only if you meet Varo’s direct deposit and balance requirements | Oct. 5, 2026 |
| FDIC national average, savings | 0.38% | $38 | — | Average of all banks and credit unions | October 2026 |
Savings rates are variable and can change at any time after you open an account. Earnings assume the APY stays the same for a full year and you add no money; your real earnings will differ.
CDs
| Bank | Term | APY | Earned on $10,000 by maturity | Minimum to open | Checked |
|---|---|---|---|---|---|
| Capital One 360 CD | 12 months | 4.45% | $445 | $0 | Nov. 11, 2026 |
| Marcus by Goldman Sachs High-Yield CD | 12 months | 4.40% | $440 | $500 | Nov. 10, 2026 |
| Synchrony CD | 12 months | 4.40% | $440 | $0 | Nov. 11, 2026 |
| EverBank CD | 13 months | 4.30% | $467 | $1,000 | Nov. 6, 2026 |
| American Express CD | 10 months | 4.50% | $374 | $0 | Nov. 11, 2026 |
| Ally High Yield CD | 18 months | 4.50% | $683 | $0 | Nov. 10, 2026 |
| EverBank CD | 24 months | 4.50% | $920 | $1,000 | Nov. 6, 2026 |
| Synchrony CD | 24 months | 4.70% | $962 | $0 | Nov. 11, 2026 |
| Synchrony CD | 60 months | 4.80% | $2,642 | $0 | Nov. 11, 2026 |
| FDIC national average, 12-month CD | 12 months | 1.76% | $176 | — | October 2026 |
| FDIC national average, 60-month CD | 60 months | 1.41% | $725 | — | October 2026 |
Earnings assume interest compounds at the stated APY and stays in the CD until maturity. Most CDs charge an early withdrawal penalty if you take money out before the term ends; check each bank’s penalty before you open one. Plan several terms at once with our CD ladder calculator.
Money market accounts
| Bank and account | APY | Earned on $10,000 in a year | Checked |
|---|---|---|---|
| Synchrony Money Market Account | 2.00% | $200 | Nov. 11, 2026 |
| FDIC national average, money market | 0.63% | $63 | October 2026 |
Several online banks we track pay more on their high-yield savings accounts than on money market accounts right now. A money market account can still make sense if you want check-writing or a debit card on your savings.
How this tracker works
- Checked at the source. We read each rate on the bank’s own website and note the date shown there. National averages come from the FDIC’s monthly national rates.
- Updated weekly. Each row keeps its own “Checked” date, so you can see exactly how fresh it is.
- Conditions shown. If a rate needs direct deposit, a minimum balance or is only for new accounts, we say so in the row.
- Not a ranking for sale. No bank pays to appear here. Read how we rate banks and our advertising disclosure.
- Confirm before you open. All banks listed are FDIC-insured, but rates change often. Confirm the rate and terms on the bank’s site before you apply.
Frequently asked questions
Why are online banks paying so much more than the national average?
The FDIC’s national average includes large branch banks that pay very little on savings. Online banks have lower costs and compete for deposits with higher rates, so the gap can be ten times or more.
Should I choose a CD or a high-yield savings account right now?
A CD locks in today’s rate for the term, which helps if rates fall, but you usually pay a penalty to withdraw early. A savings account keeps your money available and its rate can move up or down. Many people keep their emergency fund in savings and put money they won’t need for a while in CDs. Compare both in our savings vs. CD vs. money market guide.
Is my money safe at these banks?
The banks listed are FDIC members, so deposits are insured up to $250,000 per depositor, per bank, per ownership category. Check your own coverage with our FDIC insurance calculator.
Sources: rate and account pages of each bank listed (dates shown in each row); FDIC National Rates and Rate Caps, October 2026. Rates are for personal accounts and may vary by state or how you open the account. This page is for information only and isn’t financial advice.
Related: High-Yield Savings Guide · CD Rates Guide · Savings Calculator · CD Calculator · Build an Emergency Fund