0.45% APY is not a savings rate.

The national average savings rate is 0.45% APY. These accounts pay up to ten times that — FDIC-insured.

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Top savings rates (illustrative)

BankAPYMinimumAccess
Crestbank Direct4.60%$0Same-day transfers
Lumen Savings4.45%$100ATM card included
Fairhaven Online4.30%$0Buckets & auto-save
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Advertiser disclosure. RocketWallet is compensated by partners whose products appear on this page; compensation may affect how and where offers appear. Rates shown are illustrative examples, not offers of credit, and are subject to partner approval. Loan products offered through RocketWallet Lending Partners, NMLS Consumer Access #0000000 (synthetic example).