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CardCompare

Banking Products

Compare high-yield savings, checking, money market accounts, and CDs

24 products

S

SoFi Checking & Savings

SoFi

4.50%
APY

Up to 4.50% with direct deposit

Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best APY with direct deposit
W

Wealthfront Cash Account

Wealthfront

4.50%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best for investors
G

Marcus 12-Month CD

Goldman Sachs

4.50%
APY
Min. Deposit
$500
Monthly Fee
None
Term
12 mo
Best 12-month CD rate
B

Bread Savings High-Yield Savings

Bread Financial

4.50%
APY
Min. Deposit
$100
Monthly Fee
None
FDIC
Yes
Best APY for new savers
U

UFB Direct High Yield Savings

UFB Direct

4.41%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best no-minimum high-yield savings
G

Marcus High-Yield Savings

Goldman Sachs

4.40%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best overall high-yield savings
B

BMO Alto 6-Month CD

BMO Alto

4.40%
APY
Min. Deposit
$0
Monthly Fee
None
Term
6 mo
Best short-term CD with no minimum
C

CIT Bank Platinum Savings

CIT Bank

4.35%
APY
Min. Deposit
$5,000
Monthly Fee
None
FDIC
Yes
Best money market APY for $5K+ balances
A

Amex High Yield Savings

American Express

4.25%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best for Amex cardholders
D

Discover Online Savings

Discover

4.25%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best for customer service
D

Discover 12-Month CD

Discover

4.25%
APY
Min. Deposit
$2,500
Monthly Fee
None
Term
12 mo
Best CD for customer service
A

Ally Online Savings

Ally Bank

4.20%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best for organizing savings goals
S

Sallie Mae Money Market Account

Sallie Mae

4.20%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best money market for no minimums
B

Barclays 18-Month Online CD

Barclays

4.15%
APY
Min. Deposit
$0
Monthly Fee
None
Term
18 mo
Best CD from a major bank with no minimum
A

Ally 18-Month CD

Ally Bank

4.00%
APY
Min. Deposit
$0
Monthly Fee
None
Term
18 mo
Best no-minimum CD
A

Ally Money Market Account

Ally Bank

4.00%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best money market for everyday access
C

Current Checking Account

Current

4.00%
APY

4.00% on savings pods (up to $6,000)

Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best neobank for rewards on debit purchases
S

SoFi Checking and Savings

SoFi

3.80%
APY

0.50% (checking) / 3.80% (savings vault)

Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best combined checking + savings for young professionals
A

Axos Rewards Checking

Axos Bank

3.30%
APY

Up to 3.30% with qualifying activities

Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best high-yield checking
C

Schwab Investor Checking

Charles Schwab

0.48%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best for travelers & ATM users
C

Capital One 360 Checking

Capital One

0.10%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best free checking with physical branches
D

Discover Cashback Debit

Discover

0.00%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best debit cashback
S

Chime Checking Account

Stride Bank (Chime)

0.00%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best neobank for fee-free overdraft protection
V

Varo Bank Account

Varo Bank

0.00%
APY
Min. Deposit
$0
Monthly Fee
None
FDIC
Yes
Best neobank for small cash advances

Advertiser Disclosure: Some of the offers on this page are from our partners who compensate us. This may influence which products we write about and where they appear on the page. However, this does not affect our evaluations.

APY rates shown are as of March 2026 and are subject to change. FDIC insurance covers up to $250,000 per depositor, per insured bank, unless otherwise noted. Always verify current rates directly with the bank.