How much are you leaving on the table?
The national average savings rate is 0.38% APY (FDIC, April 2026). Top high-yield accounts pay 4.5%+. Same FDIC protection. The difference is just where your money lives.
$
Your total savings, checking, or money market balance
0.38
%
National average (FDIC, Apr 2026)
0.00%
5.00%
Annual interest you're missing
—
Based on your balance and current rate vs. 4.5% APY
Your current rate
—
—/yr
Top HYSA rate
4.50%
—/yr
Timeframe
At your rate
At 4.50% HYSA
Accounts worth moving to
SoFi High-Yield Savings
No minimum · No fees · Up to $2M FDIC via partner banks
4.50%
Marcus by Goldman Sachs
No minimum · No fees · Standard FDIC insurance
4.40%
Ally Bank High Yield Savings
No minimum · No fees · 24/7 support
4.20%
American Express High Yield Savings
No minimum · No fees · Trusted brand
4.10%
Rates as of April 2026. FDIC-insured up to $250,000. Always verify current rates before opening.
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