Rate Watch

Best deposit rates, updated daily.

Live rates from banks and credit unions. Filter by what you're actually eligible for — state, membership type, product. Every link goes directly to the institution.

5.00%Top HYSAtoday
4.10%Top 6-mo CDtoday
4.15%Top 12-mo CDtoday
3.78%3-mo T-BillTreasuryDirect
0.38%FDIC national avgbaseline

Top high-yield savings

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Institution APY Min Eligibility

5.00% $0 Open →

FDIC #5649

4.25% $0 Open →

4.21% $0 Open →

4.20% $0 Open →

4.15% $0 Open →

FDIC #58978

4.10% $0 Open →

4.01% $0 Open →

4.01% $0 Open →

4.00% $0 Open →

FDIC #27392

3.95% $0 Open →

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Rates updated 2026-06-28. MoneyBrief may earn a commission when you open an account through our links — never affects rankings. Full policy.