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Bank savings rates in United States

10 banks, each figure read off the bank's own product page. The number on a card is what you get without meeting any conditions.

The highest rate you can get in United States without conditions is 4 % at LendingClub, as of our last check.

LendingClub
4 % savings account

requires $250+ in deposits a month — the bank writes 'Earn 4.00% APY with $250+ in deposits'

checked 2026-08-30 · the bank's own page →

Quontic Bank
3.8 % savings account

3.80% comes from the Money Market account, not the savings account — though there the rate is the same across all tiers.

checked 2026-08-30 · the bank's own page →

Bask Bank
3.75 % savings account

advertises 4.1 % — limited-time promo

4.10% is a temporary boost 'on completing qualifying activities', which the bank does not disclose.

checked 2026-08-30 · the bank's own page →

CIT Bank
3.65 % savings account

advertises 3.75 % — from $5,000 in the account

3.75% only on Platinum Savings and only on balances from $5,000.

checked 2026-08-30 · the bank's own page →

Wealthfront
3.3 % savings account

advertises 4.2 % — salary + newcomer boost

4.20% is made up of a 3.30% base plus +0.25% for direct salary deposit and +0.65% as a three-month boost for new clients.

checked 2026-08-30 · the bank's own page →

Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.

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