Banks and Credit Unions We Track

Data last updated: June 30, 2026

Bank	Highest Savings Rate	Early Paycheck?	National Rank	Assets (Millions)	Domestic Assets (Millions)	Domestic Branches	Notes
Chase	0.01%	No	1	$4,091,315	$2,877,877	5,137
Bank of America	0.01%	No	2	$2,654,645	$2,488,356	3,593
Citi	2.80%	No	3	$1,976,180	$1,208,197	660
Wells Fargo	0.15%	Yes	4	$1,907,928	$1,893,462	4,128
Goldman Sachs	3.50%		5	$758,788	$628,208	2
US Bank	3.50%	No	6	$705,555	$695,457	2,097
CapitalOne	3.20%	Yes	7	$662,157	$661,635	243
PNC	3.85%	No	8	$609,772	$603,678	2,376
Truist	0.01%	No	9	$548,346	$548,128	1,927
TD	0.02%	No	13	$342,804	$342,804	1,048
Fifth Third	0.01%	Yes	14	$299,177	$298,606	1,512
Huntington	3.65%	Yes	15	$283,074	$283,074	1,464	Accounts offered in the following states: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Texas, West Virginia, or Wisconsin. Existing Huntington customers residing outside of these states are also eligible to open a new account.
BMO	3.00%		16	$254,973	$254,973	986
Morgan Stanley (E*Trade)	3.75%	No	17	$250,425	$250,425
First-Citizens Bank & Trust	3.75%	No	18	$236,317	$236,244	519	Serves Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin.
Citizens	2.80%	Yes	19	$232,517	$232,517	966
M&T			20	$218,788	$218,761	948	Accounts offered in the following states: CT, DC, DE, MD, NJ, NY, PA, VA, WV.
American Express	3.20%	No	21	$213,946	$213,946
KeyBank		No	22	$188,555	$188,555	948	Laurel Road is a brand of KeyBank N.A., Member FDIC.
Ally	3.20%	Yes	23	$188,184	$188,184
HSBC			25	$173,101	$173,101	20
Regions	0.01%	Yes	26	$159,787	$159,787	1,246
Pinnacle			27	$128,792	$128,792	390
Santander	4.00%		29	$103,965	$98,190	370	Openbank is a division of Santander Bank, N.A.
Zions Bancorporation			32	$89,041	$89,041	431	Amegy Bank is a division of Zions Bancorporation, N.A.
Flagstar	3.20%	No	33	$87,714	$87,714	359	MyBankingDirect is a service of Flagstar Bank, N.A.
Webster	3.75%	No	34	$85,895	$85,895	194	BrioDirect is a sub-brand of Webster Bank. Webster Bank operates under the trade name BrioDirect. This trade name is used by, and refers to, Webster Bank, a single FDIC-insured bank.
First Horizon	3.51%		36	$84,116	$84,116	409
Old National			37	$73,857	$73,857	352	Accounts offered in the following states: IA, IL, IN, KY, MI, MN and WI
UMB	3.86%		38	$71,899	$71,899	191	Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
SouthState			39	$68,794	$68,794	345
CIBC USA	3.75%	No	40	$66,504	$66,504	7
Valley National	3.30%		41	$66,228	$66,228	229
SoFi	3.30%	Yes	43	$56,821	$56,821	3
Associated			46	$51,757	$51,757	213
EverBank	3.90%	No	48	$46,691	$46,691	39
Barclays	3.65%		51	$43,454	$43,454
Hancock Whitney		Yes	55	$36,329	$36,329	185
FNBO	3.00%	No	59	$34,201	$34,201	137
Texas Capital	3.90%		61	$33,623	$33,623	9	Bask Bank is a division of Texas Capital Bank. Member FDIC.
Eastern			65	$31,129	$31,129	128
City National Bank of Florida	4.17%	No	67	$29,112	$29,112	29	TotalDirectBank by TotalBank is a registered Trademark of City National Bank of Florida (CNBFL). All TotalDirectBank deposit products are offered by, and will be opened through, CNBFL. CNBFL is Member FDIC.
Sallie Mae	3.60%		69	$28,541	$28,541
WesBanco			72	$27,746	$27,746	214
Customers			75	$26,504	$26,504	6	Accounts offered in the following states: Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Simmons			78	$24,733	$24,733	226
Hawaii			82	$23,808	$23,234	50
Seacoast			89	$21,336	$21,336	105
Merchants Bank of Indiana	3.75%		93	$21,171	$21,171	7
Central Trust			94	$20,308	$20,308	160
Bank of Hope			97	$18,987	$18,987	73
Busey			99	$18,147	$18,147	81
First United			104	$16,594	$16,594	75
Live Oak	4.00%		107	$15,960	$15,960
Dime			113	$15,034	$15,034	62
Popular Direct	3.90%		114	$15,033	$15,033	37
ConnectOne	3.00%		117	$14,402	$14,402	61
Bread Financial	4.05%	No	120	$13,859	$13,859		Bread Savings is a product of Comenity Capital Bank, which is part of Bread Financial.
Happen	4.20%	Yes	127	$12,477	$12,477
Wintrust			147	$9,568	$9,568	36
Amalgamated	1.05%		149	$9,409	$9,409	6
Salem Five	4.10%	No	161	$8,820	$8,820	33
Forbright	3.85%		168	$8,480	$8,480	2
Poppy	4.00%		173	$8,319	$8,319	41
Hanmi			176	$7,954	$7,954	32
Equity	4.00%		180	$7,714	$7,714	82	Brilliant.Bank is a division of Equity Bank.
Northpointe	2.55%		183	$7,529	$7,529
Cambridge Savings	4.00%	No	192	$6,981	$6,981	18	Ivy Bank is a digital banking division of Cambridge Savings Bank which is a Massachusetts state-chartered bank and Member FDIC. Deposits at Ivy Bank and Cambridge Savings Bank are combined for the purpose of calculating FDIC insurance limits (FDIC certificate #17870) and are not separately insured.
Old Second			195	$6,861	$6,861	54
Midland States			203	$6,692	$6,692	55
SMBC MANUBANK			205	$6,597	$6,597	7
CFG	4.05%	No	216	$6,121	$6,121	2
Emigrant	3.35%	No	227	$5,679	$5,679	3
Orrstown			230	$5,612	$5,612	42	Merged with PeoplesBank, a Codorus Valley Company in July 2024
First Internet Bank of Indiana	3.88%		231	$5,526	$5,526
Broadway National		Yes	237	$5,423	$5,423	30
Bridgewater	4.15%		241	$5,378	$5,378	9	TIMBR is a division of Bridgewater Bank.
Northeast			249	$5,228	$5,228	9	ableBanking is a Division of Northeast Bank.
First National Bank Texas			268	$4,645	$4,645	355
Primis	3.85%	Yes	282	$4,337	$4,337	27
Northern Bank Direct	3.50%		338	$3,385	$3,385	11
Banterra			339	$3,359	$3,359	38
Lake Ridge	2.73%		340	$3,353	$3,353	18
Southern Bancorp	4.34%		372	$3,013	$3,013	52
First Fidelity			376	$2,979	$2,979	26
Cedar Rapids			385	$2,900	$2,900	7
Bank Independent			392	$2,860	$2,860	32
Revolut	3.50%		407	$2,760	$2,760	1	Revolut is a technology services provider and program manager; not a bank. Banking services are provided by Lead Bank, Member FDIC.
Republic Bank of Chicago	3.02%		421	$2,611	$2,611	19
State Bank of Texas	3.76%		426	$2,586	$2,586	6
Western State			437	$2,485	$2,485	9
Newtek	4.20%		439	$2,475	$2,475
Pibank	4.40%		454	$2,373	$2,373	4	Pibank is a brand of Intercredit Bank, N.A.
FVC	4.01%		455	$2,363	$2,363	7
OMB			457	$2,359	$2,359	9
American Bank & Trust			483	$2,248	$2,248	20
Climate First	4.01%		537	$1,942	$1,942	2
Legacy Bank & Trust			556	$1,845	$1,845	8
Tab	3.95%	No	612	$1,592	$1,592
Ballston Spa National			692	$1,369	$1,369	20
Idaho First	4.01%		699	$1,359	$1,359	7	Peak Bank is a division of Idaho First Bank.
Patriot	3.00%		719	$1,323	$1,323	7
NBKC	3.00%	No	751	$1,241	$1,241	3
Prime Alliance	3.90%	No	834	$1,086	$1,086
Affinity Bank	3.50%		971	$915	$915	2	FitnessBank is a division of Affinity Bank. FitnessBank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits.
First Independence		No	1,002	$875	$875	4
CIBM			1,061	$820	$820	8
Decorah Bank & Trust			1,092	$794	$794	2
Industrial	0.01%	No	1,110	$774	$774	8
Schertz			1,119	$770	$770	5
Modern			1,272	$649	$649	1
OneUnited		Yes	1,291	$638	$638	8
All America	3.60%		1,337	$611	$611	6
PeoplesBank	4.05%	Yes	1,548	$503	$503	4	ZYNLO is a registered trademark of PeoplesBank.
M&F		No	1,606	$476	$476	6
Citizens Bank of Edmond	4.00%		1,710	$432	$432	1	ROGER is the digital military banking division of Citizens Bank of Edmond.
New Horizon			1,928	$359	$359	2
Varo	3.75%	Yes	2,018	$338	$338
Texana			2,046	$331	$331	6
First Security		No	2,500	$226	$226
Paramount		No	3,357	$87	$87
-Other-
4front
Achieva
Affirm	3.45%						Affirm is a financial technology company, not a bank. Bank services are provided by Cross River Bank, Member FDIC.
Albert		Yes					Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC.
Alliant	3.10%
Altra
Ameriprise	3.10%
Andrews Federal
Apple	3.50%						An eligible iPhone or iPad is required to use Apple financial products. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, Member FDIC.	Our Review
Aspiration		Yes					Aspiration is not a bank. Aspiration Spend and Save Accounts are deposited at one or more FDIC-insured depository institutions.
Axos	4.21%	Yes
Bethpage Federal
Betterment	3.50%	No					Betterment Financial LLC is not a bank. Bank services provided by nbkc bank, Member FDIC.
Blaze
BluPeak
Boeing Employees
Carver Federal Savings	4.00%
Cashapp	3.50%	Yes					Cash App is a financial services platform, not a bank. Banking services are provided by Cash App's bank partner(s).
Chartway
Chime	3.00%	Yes					Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.	Our Review
Citadel CU
Community CU Florida
Community Resource
CommunityAmerica
Country
Credit Karma	2.60%	Yes					Banking services provided by MVB Bank, Inc., Member FDIC.
Credit Union of Texas
Current	4.00%	Yes					Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC.
Delta Community
Dollar Bank							Dollar Bank serves areas surrounding northeast Ohio, western Pennsylvania, the Hampton Roads community in Virginia and the Cumberland Narrows community in Maryland.
Domain Money							Cash deposits are held with Georgia Banking Company, Member FDIC.
EECU
elroy		Yes					IDT Payment Services, Inc. DBA elroy is not a bank. elroy (formerly Wallet by Boss Money) Checking Account and Debit card are provided by Evolve Bank and Trust, Member FDIC.
Empower	3.50%						Empower Personal Cash is offered through Personal Capital Services Corporation (PCSC). PCSC is not a bank. Bank deposit products provided by UMB Bank N.A., Member FDIC.
ESL
Evergreen Wealth							Evergreen Wealth Corporation is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
Experian							Experian is a Program Manager, not a bank. Banking services provided by CFSB, Member FDIC.
Fidelity
Financial Plus
First Service
First Technology Federal
FirstLight Federal
Firstmark
Future							Future is not a bank. Banking services are provided by Piermont Bank, Member FDIC.
GalaxyOne	3.75%						GalaxyOne is a financial technology company, not a bank. Bank services are provided by Cross River Bank, Member FDIC.
Great River Federal
GreenFi	1.00%						GreenFi is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
Greenwood	4.15%	Yes					Greenwood is not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
Grind24		Yes					Grind24 is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank, N.A.; Member FDIC.
Hiway
HMBradley							HM Bradley, Inc. (HMBradley) is a financial technology company, not a bank. Deposit accounts provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC.
iTHINK Financial CU
JSC							JSC Federal Credit Union does business as Wellby Financial.
Juno		Yes					Juno (CapitalJ Inc.) is a financial technology company, not a bank. Banking services provided by Evolve Bank and Trust, Members FDIC.	Our Review
Keypoint
Liberty
Liberty Savings		Yes					mph.bank is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.
Loyalty CU
M1		Yes					M1 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC.
Mercury							Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC.
MidFirst
MoCaFi		No					MoCaFi is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A.
MoneyLion		Yes					MoneyLion is a financial technology company, not a bank. RoarMoney is powered by MetaBank, N.A., Member FDIC.
MUFG Union
MutualOne	3.82%
Navy Federal
Neighborhood
NerdWallet
Netspend							Banking services provided by Pathward, National Association, Member FDIC
Newtown Savings
North American Savings	3.60%
Northwest
Northwest Federal
OnePay	3.35%	Yes					Banking services provided by Coastal Community Bank, Member FDIC.
Paypal	3.75%	Yes					PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC.
Pennsylvania State Employees	4.00%
Pentagon Federal
Police & Fire
Premier America CU
Public	3.30%						Funds in your High-Yield Cash Account are automatically deposited into partner banks, where that cash earns interest and is eligible for FDIC insurance.
Quontic	3.90%	No
Raisin	4.15%						Raisin is an online marketplace where you can access deposit products from different institutions and manage them all from one account. Custodian bank services provided by Lewis and Clark Bank.	Our Review
Robinhood		Yes					Uninvested cash in your brokerage account is swept to partner banks, where it becomes eligible for FDIC insurance.
SchoolsFirst
Sesame Cash		Yes
Skyla
SkyOne Federal
St. Mary's
Step	3.00%	Yes					Step is a financial technology company, not a bank. Banking services provided by Evolve Bank and Trust, Members FDIC.
Stoneham
Suffolk
Synchrony	3.75%
T-Mobile	4.00%	Yes
TBK							TBK Bank is a State Savings Bank serving Colorado, Illinois, Iowa, Kansas, New Mexico, and Texas and a subsidiary of Triumph Financial.
Texans
Texas Trust
Third Federal
Tower Federal
Travis
TruStone Financial
TTCU
U.S. Senate Federal
UFB Direct	3.26%	No					Bank products and services are offered by Axos Bank
Unity One
Upgrade	3.30%	Yes					Upgrade is a financial technology company, not a bank. Bank services are provided by Cross River Bank, Member FDIC.	Our Review
USAA		Yes					Membership is open to current and former military and their spouses. Children of USAA members may be able to join too.
USC
Venmo		Yes					Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457). Your entire Venmo balance is eligible for FDIC insurance up to $250,000 through partner banks, Wells Fargo Bank and The Bancorp Bank.
Vio	3.40%
Visions
Walden Savings
Wealthfront	3.55%	Yes					Wealthfront has partnered with Green Dot Bank, Member FDIC, to bring you checking features.
Wings
WSFS
Wysh							Wysh Financial, LLC is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.
X Money	6.00%	Yes					X Payments LLC is not an FDIC-insured bank. Deposit accounts are held at Cross River Bank, Member FDIC, and insured up to $250,000.