Banks and Credit Unions We Track

Data last updated: December 31, 2025

Bank	Highest Savings Rate	Early Paycheck?	National Rank	Assets (Millions)	Domestic Assets (Millions)	Domestic Branches	Notes
Chase	0.01%	No	1	$3,752,662	$2,811,387	5,085
Bank of America	0.01%	No	2	$2,636,823	$2,474,736	3,606
Citi	3.15%	No	3	$1,836,436	$1,122,027	662
Wells Fargo	0.15%	Yes	4	$1,822,693	$1,811,044	4,139
US Bank	3.50%	No	5	$676,125	$669,239	2,108
CapitalOne	3.10%	Yes	6	$658,464	$657,996	258
Goldman Sachs	3.50%		7	$644,997	$559,805	2
PNC	3.85%	No	8	$568,338	$562,626	2,304
Truist	0.01%	No	9	$539,519	$539,337	1,927
TD	0.02%	No	12	$346,188	$346,188	1,100
Morgan Stanley (E*Trade)	3.25%	No	13	$254,706	$254,706
BMO	3.15%		15	$252,074	$252,074	1,000
First-Citizens Bank & Trust	3.75%	No	16	$229,332	$229,265	520	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	3.15%	Yes	17	$225,864	$225,864	978
Huntington	3.71%	Yes	18	$224,047	$224,047	1,058	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.
Fifth Third	0.01%	Yes	19	$213,730	$213,585	1,141
M&T			20	$212,887	$212,887	973	Accounts offered in the following states: CT, DC, DE, MD, NJ, NY, PA, VA, WV.
American Express	3.20%	No	21	$211,275	$211,275
Ally	3.10%	Yes	22	$184,648	$184,648
KeyBank		No	23	$181,708	$181,708	949	Laurel Road is a brand of KeyBank N.A., Member FDIC.
HSBC			25	$165,262	$165,262	20
Regions	0.01%	Yes	26	$157,412	$157,412	1,247
Santander	4.00%		28	$104,148	$97,399	371	Openbank is a division of Santander Bank, N.A.
Zions Bancorporation			31	$88,990	$88,990	431	Amegy Bank is a division of Zions Bancorporation, N.A.
Flagstar	3.90%	No	32	$87,512	$87,512	359	MyBankingDirect is a service of Flagstar Bank, N.A.
Webster	3.75%	No	33	$83,985	$83,985	195	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	3.25%		34	$83,573	$83,573	414
UMB	3.71%		37	$72,780	$72,780	192	Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
Old National			38	$71,772	$71,772	352	Accounts offered in the following states: IA, IL, IN, KY, MI, MN and WI
SouthState			39	$67,180	$67,180	343
Valley National	3.40%		41	$64,062	$64,062	229
CIBC USA	3.52%	No	42	$63,978	$63,978	15
Pinnacle			44	$57,637	$57,637	139
Barclays	3.75%		49	$47,613	$47,613
SoFi	3.30%	Yes	50	$46,568	$46,568	3
EverBank	3.90%	No	51	$46,034	$46,034	40
Associated			52	$45,145	$45,145	184
Hancock Whitney		Yes	58	$35,458	$35,458	183
FNBO	3.00%	No	62	$34,574	$34,574	140
Texas Capital	3.75%		68	$31,264	$31,264	9	Bask Bank is a division of Texas Capital Bank. Member FDIC.
Eastern			69	$30,579	$30,579	139
Sallie Mae	3.55%		70	$29,734	$29,734
City National Bank of Florida	4.01%	No	71	$28,049	$28,049	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.
WesBanco			74	$27,620	$27,620	250
First			79	$26,481	$26,481	94
Customers			81	$24,881	$24,881	6	Accounts offered in the following states: Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Simmons			82	$24,499	$24,499	227
Hawaii			84	$24,143	$23,574	49
Seacoast			91	$20,831	$20,831	104
Central Trust			93	$20,800	$20,800	156
Merchants Bank of Indiana	3.50%		96	$19,391	$19,391	6
Bank of Hope			99	$18,526	$18,526	72
First United			105	$16,273	$16,273	74
Dime			112	$15,332	$15,332	62
Popular Direct	3.90%		113	$15,061	$15,061	40
Live Oak	3.80%		114	$15,058	$15,058
ConnectOne	3.00%		119	$13,994	$13,994	60
Bread Financial	4.00%	No	121	$13,627	$13,627		Bread Savings is a product of Comenity Capital Bank, which is part of Bread Financial.
First Foundation	3.75%	No	128	$11,882	$11,882	29
Lending Club	4.00%	Yes	131	$11,472	$11,472	1
Wintrust			145	$9,576	$9,576	36
Amalgamated	1.05%		156	$8,867	$8,867	6
Flushing	3.24%	No	158	$8,693	$8,693	30	BankPurely and iGObanking are divisions of Flushing Bank, Member FDIC.
Salem Five	4.10%	No	160	$8,538	$8,538	33
Forbright	3.85%		174	$7,919	$7,919	1
Hanmi			177	$7,822	$7,822	32
SMBC MANUBANK			180	$7,676	$7,676	7
Poppy	4.00%		182	$7,585	$7,585	37
Northpointe	2.55%		191	$7,023	$7,023
Cambridge Savings	3.85%	No	196	$6,937	$6,937	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			197	$6,900	$6,900	56
Midland States			205	$6,503	$6,503	55
Equity	4.00%		208	$6,327	$6,327	77	Brilliant.Bank is a division of Equity Bank.
MidWestOne			209	$6,254	$6,254	59
Broadway National		Yes	220	$5,889	$5,889	31
Emigrant	3.35%	No	225	$5,767	$5,767	2
CFG	3.80%	No	228	$5,740	$5,740	2
First Internet Bank of Indiana	3.64%		233	$5,549	$5,549
Orrstown			234	$5,542	$5,542	43	Merged with PeoplesBank, a Codorus Valley Company in July 2024
Bridgewater	3.95%		241	$5,398	$5,398	8	TIMBR is a division of Bridgewater Bank.
Northeast			255	$4,947	$4,947	9	ableBanking is a Division of Northeast Bank.
Primis	3.85%	Yes	300	$4,030	$4,030	27
Banterra			342	$3,289	$3,289	39
Lake Ridge	2.84%		346	$3,274	$3,274	18
Northern Bank Direct	3.50%		358	$3,167	$3,167	11
Bank Independent			372	$3,009	$3,009	32
First Fidelity			381	$2,929	$2,929	26
Cedar Rapids			394	$2,871	$2,871	7
Southern Bancorp	3.82%		401	$2,779	$2,779	52
State Bank of Texas	3.76%		402	$2,773	$2,773	6
Republic Bank of Chicago	3.22%		409	$2,723	$2,723	18
Revolut	4.00%		423	$2,616	$2,616	1	Revolut is a technology services provider and program manager; not a bank. Banking services are provided by Lead Bank, Member FDIC.
Western State			430	$2,558	$2,558	9
FVC	4.01%		467	$2,288	$2,288	7
American Bank & Trust			495	$2,148	$2,148	20
OMB			498	$2,110	$2,110	9
Legacy Bank & Trust			554	$1,861	$1,861	8
Newtek	4.20%		577	$1,730	$1,730
Climate First	4.01%		597	$1,625	$1,625	2
Pibank	4.40%		603	$1,611	$1,611	4	Pibank is a brand of Intercredit Bank, N.A.
Tab	3.61%	No	609	$1,601	$1,601
Idaho First	3.82%		667	$1,451	$1,451	7	Peak Bank is a division of Idaho First Bank.
NBKC	3.00%	No	755	$1,256	$1,256	3
Patriot	3.00%		847	$1,089	$1,089	7
Prime Alliance	3.75%	No	855	$1,073	$1,073
Ballston Spa National			969	$929	$929	12
Affinity Bank	4.20%		1,012	$881	$881	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.
CIBM			1,066	$825	$825	8
Industrial	0.01%	No	1,117	$773	$773	8
Decorah Bank & Trust			1,123	$771	$771	2
Schertz			1,124	$770	$770	5
OneUnited		Yes	1,135	$762	$762	8
First Independence		No	1,211	$697	$697	3
Modern			1,247	$664	$664	1
All America	3.85%		1,378	$594	$594	6
PeoplesBank	3.90%	Yes	1,593	$485	$485	4	ZYNLO is a registered trademark of PeoplesBank.
M&F		No	1,613	$480	$480	6
Citizens Bank of Edmond	3.61%		1,774	$418	$418	1	ROGER is the digital military banking division of Citizens Bank of Edmond.
Varo	5.00%	Yes	1,904	$376	$376
Texana			2,030	$340	$340	6
First Security		No	2,386	$255	$255
New Horizon			2,399	$251	$251
Paramount		No	3,443	$83	$83
-Other-
4front
Achieva
Affirm	3.20%						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	3.05%
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	3.25%	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	3.25%	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	3.00%						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	3.50%						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	3.75%	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.
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	4.00%
Northwest
Northwest Federal
OnePay	3.35%	Yes					Banking services provided by Coastal Community Bank, Member FDIC.
Paypal	3.50%	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	3.80%	No
Raisin	3.95%						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	3.40%
T-Mobile	2.50%	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	3.05%	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	3.60%
Visions
Walden Savings
Wealthfront	3.30%	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.