Banks and Credit Unions We Track

Data last updated: March 31, 2026

Bank	Highest Savings Rate	Early Paycheck?	National Rank	Assets (Millions)	Domestic Assets (Millions)	Domestic Branches	Notes
Chase	0.01%	No	1	$4,016,571	$2,857,519	5,098
Bank of America	0.01%	No	2	$2,672,192	$2,508,023	3,604
Citi	3.00%	No	3	$1,933,622	$1,169,418	662
Wells Fargo	0.15%	Yes	4	$1,852,239	$1,840,358	4,142
Goldman Sachs	3.40%		5	$751,776	$623,351	2
US Bank	3.50%	No	6	$683,380	$676,352	2,100
CapitalOne	3.00%	Yes	7	$672,010	$671,561	256
PNC	3.85%	No	8	$567,949	$561,746	2,292
Truist	0.01%	No	9	$541,180	$541,038	1,927
TD	0.02%	No	13	$345,611	$345,611	1,049
Fifth Third	0.01%	Yes	14	$296,118	$295,573	1,501
Huntington	3.65%	Yes	15	$284,135	$284,135	1,460	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	$251,965	$251,965	986
Morgan Stanley (E*Trade)	3.50%	No	17	$241,388	$241,388
First-Citizens Bank & Trust	3.75%	No	18	$235,521	$235,452	518	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	$227,134	$227,134	965
American Express	3.00%	No	20	$217,569	$217,569
M&T			21	$214,201	$214,201	972	Accounts offered in the following states: CT, DC, DE, MD, NJ, NY, PA, VA, WV.
KeyBank		No	22	$185,983	$185,983	949	Laurel Road is a brand of KeyBank N.A., Member FDIC.
Ally	3.00%	Yes	23	$185,664	$185,664
HSBC			25	$167,706	$167,706	20
Regions	0.01%	Yes	26	$159,430	$159,430	1,246
Pinnacle			27	$122,628	$122,628	388
Santander	3.80%		29	$106,095	$99,963	371	Openbank is a division of Santander Bank, N.A.
Zions Bancorporation			32	$87,957	$87,957	431	Amegy Bank is a division of Zions Bancorporation, N.A.
Flagstar	3.90%	No	33	$87,129	$87,129	359	MyBankingDirect is a service of Flagstar Bank, N.A.
Webster	3.75%	No	34	$85,527	$85,527	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%		35	$83,824	$83,824	412
Old National			37	$72,614	$72,614	352	Accounts offered in the following states: IA, IL, IN, KY, MI, MN and WI
UMB	3.71%		38	$72,350	$72,350	191	Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
SouthState			39	$67,871	$67,871	345
CIBC USA	3.52%	No	41	$65,130	$65,130	9
Valley National	3.40%		42	$64,388	$64,388	229
SoFi	3.10%	Yes	46	$49,668	$49,668	3
EverBank	3.90%	No	47	$47,233	$47,233	39
Barclays	3.65%		48	$46,648	$46,648
Associated			50	$45,538	$45,538	184
Hancock Whitney		Yes	56	$35,533	$35,533	184
FNBO	3.00%	No	58	$34,725	$34,725	139
Texas Capital	3.75%		61	$33,206	$33,206	9	Bask Bank is a division of Texas Capital Bank. Member FDIC.
Eastern			66	$30,620	$30,620	128
Sallie Mae	3.50%		67	$29,457	$29,457
First			68	$29,363	$29,363	94
City National Bank of Florida	4.01%	No	69	$28,626	$28,626	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	$27,420	$27,420	223
Customers			77	$25,862	$25,862	6	Accounts offered in the following states: Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Simmons			79	$24,649	$24,649	227
Hawaii			82	$23,876	$23,299	50
Seacoast			89	$21,134	$21,134	104
Central Trust			92	$20,473	$20,473	157
Merchants Bank of Indiana	3.50%		93	$20,263	$20,263	6
Bank of Hope			96	$18,652	$18,652	73
First United			102	$16,404	$16,404	75
Live Oak	3.80%		109	$15,230	$15,230
Dime			111	$14,991	$14,991	61
Popular Direct	3.90%		112	$14,953	$14,953	37
ConnectOne	3.00%		115	$14,200	$14,200	61
Bread Financial	3.95%	No	118	$13,311	$13,311		Bread Savings is a product of Comenity Capital Bank, which is part of Bread Financial.
Happen	4.00%	Yes	130	$11,846	$11,846	1
First Foundation	3.75%	No	131	$11,344	$11,344	29
Wintrust			147	$9,279	$9,279	36
Amalgamated	1.05%		150	$9,168	$9,168	6
Flushing	3.24%	No	158	$8,861	$8,861	29	BankPurely and iGObanking are divisions of Flushing Bank, Member FDIC.
Salem Five	4.10%	No	164	$8,568	$8,568	33
Forbright	3.85%		171	$8,251	$8,251	1
Poppy	4.00%		177	$7,796	$7,796	38
Hanmi			178	$7,790	$7,790	32
SMBC MANUBANK			180	$7,729	$7,729	7
Equity	4.00%		184	$7,654	$7,654	84	Brilliant.Bank is a division of Equity Bank.
Northpointe	2.55%		189	$7,396	$7,396
Cambridge Savings	3.85%	No	197	$6,913	$6,913	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			198	$6,847	$6,847	56
Midland States			209	$6,540	$6,540	55
Emigrant	3.35%	No	225	$5,853	$5,853	2
Broadway National		Yes	229	$5,741	$5,741	31
CFG	3.80%	No	230	$5,731	$5,731	2
First Internet Bank of Indiana	3.64%		232	$5,683	$5,683
Orrstown			236	$5,577	$5,577	42	Merged with PeoplesBank, a Codorus Valley Company in July 2024
Bridgewater	3.95%		246	$5,323	$5,323	9	TIMBR is a division of Bridgewater Bank.
Northeast			255	$5,034	$5,034	9	ableBanking is a Division of Northeast Bank.
Primis	3.85%	Yes	288	$4,239	$4,239	27
Lake Ridge	2.73%		340	$3,334	$3,334	18
Northern Bank Direct	3.50%		351	$3,267	$3,267	11
Banterra			353	$3,260	$3,260	38
Bank Independent			380	$2,951	$2,951	32
First Fidelity			382	$2,934	$2,934	26
Cedar Rapids			390	$2,867	$2,867	7
Southern Bancorp	4.34%		398	$2,810	$2,810	52
State Bank of Texas	3.76%		403	$2,765	$2,765	6
Revolut	4.00%		414	$2,681	$2,681	1	Revolut is a technology services provider and program manager; not a bank. Banking services are provided by Lead Bank, Member FDIC.
Western State			427	$2,585	$2,585	9
Republic Bank of Chicago	3.02%		435	$2,539	$2,539	19
FVC	4.01%		461	$2,331	$2,331	7
American Bank & Trust			475	$2,243	$2,243	20
OMB			482	$2,206	$2,206	9
Newtek	4.20%		488	$2,162	$2,162
Pibank	4.10%		513	$2,029	$2,029	4	Pibank is a brand of Intercredit Bank, N.A.
Legacy Bank & Trust			554	$1,827	$1,827	8
Climate First	4.01%		570	$1,751	$1,751	2
Tab	3.61%	No	608	$1,592	$1,592
Idaho First	3.82%		689	$1,372	$1,372	7	Peak Bank is a division of Idaho First Bank.
NBKC	3.00%	No	757	$1,228	$1,228	3
Patriot	3.00%		784	$1,181	$1,181	7
Prime Alliance	3.75%	No	853	$1,059	$1,059
Ballston Spa National			945	$942	$942	12
Affinity Bank	3.75%		966	$924	$924	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	1,009	$875	$875	4
CIBM			1,065	$824	$824	8
Decorah Bank & Trust			1,110	$780	$780	2
Industrial	0.01%	No	1,118	$775	$775	8
Schertz			1,133	$762	$762	5
Modern			1,205	$696	$696	1
All America	3.70%		1,330	$615	$615	6
OneUnited		Yes	1,340	$609	$609	8
PeoplesBank	3.90%	Yes	1,548	$503	$503	4	ZYNLO is a registered trademark of PeoplesBank.
M&F		No	1,580	$489	$489	6
Citizens Bank of Edmond	3.61%		1,701	$440	$440	1	ROGER is the digital military banking division of Citizens Bank of Edmond.
Varo	3.75%	Yes	1,899	$374	$374
Texana			1,972	$353	$353	6
New Horizon			2,284	$279	$279	1
First Security		No	2,412	$248	$248
Paramount		No	3,357	$89	$89
-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
Busey
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	2.75%	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	3.30%						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 National Bank Texas
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		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	3.30%	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	4.01%						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	3.30%
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	3.05%	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	3.50%
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.