ratee tracks high-yield savings and CD rates across the US — verified weekly, sourced, and dated. The average savings account pays 0.38%. Yours shouldn't.
The five highest nationally-available APYs we're tracking right now.
| Account | APY | Key condition |
|---|---|---|
| Go2bank | up to 4.50% | Vault balances up to $5,000; checking account active and in good standing |
| Elevault | 4.34% | No minimum balance or requirements |
| NexBank via Raisin | 4.25% | $1 minimum; rate guaranteed 60 days from funds posting |
| E*TRADE Premium Savings | 4.25% | $0 minimum; rate guaranteed 6 months |
| Pibank | 4.25% | $0 minimum to open or earn |
Go2bank, on vault balances up to $5,000 (conditions apply). Roughly 12× the FDIC national average of 0.38%.
Capital Credit Union 10-month and Dakota Community Bank 36/60-month CDs (WSJ, Sept 30, 2026).
Every table on ratee is re-verified against primary sources on a weekly cycle, and carries its verification date.
Twelve nationally-available accounts compared: APY, minimums, and the catch behind each headline rate.
Lock in a fixed yield from 3 months to 5 years. See which terms pay the most right now.
How much does an extra 3% APY earn you on $10,000 over five years? Do the math.