Banks and Credit Unions We Track

Data last updated: March 31, 2025

Bank	Highest Savings Rate	Early Paycheck?	National Rank	Assets (Millions)	Domestic Assets (Millions)	Domestic Branches	Notes
Chase	0.01%	No	1	$3,643,099	$2,703,246	4,975
Bank of America	0.01%	No	2	$2,615,296	$2,461,940	3,650
Citi	3.50%	No	3	$1,760,921	$1,069,944	651
Wells Fargo	0.15%	Yes	4	$1,711,028	$1,701,356	4,204
US Bank	3.00%	No	5	$659,191	$651,401	2,154
Goldman Sachs	3.65%		6	$598,460	$514,438	2
PNC	3.95%	No	7	$549,324	$545,082	2,299
Truist	0.01%	No	8	$527,488	$527,447	1,928
CapitalOne	3.50%	Yes	9	$490,573	$490,103	257
TD	0.02%	No	11	$366,507	$366,507	1,135
BMO	3.50%		13	$257,049	$257,049	1,001
First-Citizens Bank & Trust	4.00%	No	15	$228,632	$228,568	536	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.
Morgan Stanley (E*Trade)	4.00%	No	16	$223,785	$223,785
Citizens	3.50%	Yes	17	$220,014	$220,014	983
Fifth Third	0.01%	Yes	18	$211,921	$211,783	1,097
M&T			19	$209,801	$209,801	987	Accounts offered in the following states: CT, DC, DE, MD, NJ, NY, PA, VA, WV.
Huntington	3.45%	Yes	20	$208,159	$208,159	1,021	Accounts offered in the following states: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. Existing Huntington customers residing outside of these states are also eligible to open a new account.
American Express	3.50%	No	21	$203,448	$203,448
KeyBank	3.80%	No	22	$185,776	$185,776	954	Laurel Road is a brand of KeyBank N.A., Member FDIC.
Ally	3.50%	Yes	23	$182,323	$182,323
HSBC			24	$166,237	$166,236	20
Regions	0.01%	Yes	26	$158,421	$158,421	1,250
Discover	3.50%	Yes	27	$145,413	$145,413
Santander	4.20%		28	$104,559	$104,551	399	Openbank is a division of Santander Bank, N.A.
Flagstar	4.30%	No	29	$97,568	$97,568	402	MyBankingDirect is a service of Flagstar Bank, N.A.
Zions Bancorporation			31	$87,992	$87,992	429
First Horizon	4.00%		33	$81,202	$81,202	416
Webster	4.30%	No	34	$80,212	$80,212	196	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.
UMB	3.95%		37	$69,014	$69,014	194	Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
SouthState			38	$65,109	$65,109	342
Valley National	3.75%		39	$61,818	$61,818	229
CIBC USA	4.02%	No	40	$61,303	$61,303	18
Pinnacle			42	$54,173	$54,173	137
Old National			43	$53,574	$53,574	285	Accounts offered in the following states: IA, IL, IN, KY, MI, MN and WI
Barclays	4.10%		49	$45,277	$45,277
Associated			50	$43,249	$43,249	183
EverBank	4.30%	No	52	$41,858	$41,858	11
Hancock Whitney		Yes	58	$34,732	$34,732	183
SoFi	3.80%	Yes	60	$32,857	$32,857	3
FNBO	3.25%	No	64	$31,792	$31,792	119
Texas Capital	4.15%		65	$31,103	$31,103	10	Bask Bank is a division of Texas Capital Bank. Member FDIC.
WesBanco			71	$27,321	$27,321	252
City National Bank of Florida	4.41%	No	72	$27,175	$27,175	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.
First			74	$27,110	$27,110	94
Simmons			75	$26,749	$26,749	227
Eastern			77	$24,985	$24,985	109
Hawaii			79	$23,853	$23,263	49
Customers			83	$22,416	$22,416	6	Accounts offered in the following states: Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Central Trust			86	$19,551	$19,551	155
Merchants Bank of Indiana	4.25%		88	$18,741	$18,741	6
Bank of Hope			96	$17,063	$17,063	46
First United			100	$16,287	$16,287	73
Seacoast			103	$15,723	$15,723	79
Popular Direct	4.10%		106	$14,529	$14,529	42
Dime			109	$14,085	$14,085	61
Sandy Spring			111	$13,766	$13,766	52	Accounts offered in DC, DE, MD, PA, VA, and WV only
Live Oak	4.00%		114	$13,504	$13,504
Veritex	4.00%		118	$12,561	$12,561	33
First Foundation	4.25%	No	119	$12,557	$12,557	29
Lending Club	4.20%	Yes	131	$10,344	$10,344	1
ConnectOne	3.75%		137	$9,752	$9,752	23
Wintrust			141	$9,642	$9,642	36
Flushing	3.90%	No	148	$9,008	$9,008	28	BankPurely and iGObanking are divisions of Flushing Bank, Member FDIC.
Amalgamated	2.25%		158	$8,290	$8,290	6
Salem Five	4.10%	No	162	$8,046	$8,046	33
Hanmi			170	$7,684	$7,684	32
Midland States			177	$7,447	$7,447	56
Forbright	4.25%		180	$7,287	$7,287	1
Cambridge Savings	4.25%	No	193	$6,844	$6,844	17	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.
Poppy	4.25%		194	$6,791	$6,791	32
SMBC MANUBANK	4.20%		196	$6,662	$6,662	7	Jenius Bank is the digital banking division of SMBC MANUBANK.
Emigrant	3.75%	No	212	$5,953	$5,953	2
Northpointe	3.25%		214	$5,860	$5,860
First Internet Bank of Indiana	4.42%		216	$5,830	$5,830
Old Second			217	$5,726	$5,726	53
Broadway National		Yes	221	$5,671	$5,671	33
Orrstown			230	$5,442	$5,442	45	Merged with PeoplesBank, a Codorus Valley Company in July 2024
Equity	4.35%		231	$5,434	$5,434	71	Brilliant.Bank is a division of Equity Bank.
CFG	4.25%	No	232	$5,426	$5,426	2
Bridgewater	4.40%		243	$5,127	$5,127	9	TIMBR is a division of Bridgewater Bank.
Northeast			282	$4,229	$4,229	9	ableBanking is a Division of Northeast Bank.
Primis	4.20%	Yes	308	$3,667	$3,667	27
Banterra			342	$3,171	$3,171	38
Northern Bank Direct	3.75%		349	$3,131	$3,131	11
Lake Ridge	3.19%		355	$3,102	$3,102	17
First Fidelity			375	$2,903	$2,903	26
State Bank of Texas	4.18%		392	$2,790	$2,790	6
Bank Independent			393	$2,788	$2,788	32
Republic Bank of Chicago	4.01%		408	$2,651	$2,651	18
Cedar Rapids			411	$2,622	$2,622	7
Western State	3.75%		436	$2,442	$2,442	9
FVC	4.35%		461	$2,235	$2,235	7
American Bank & Trust			512	$1,941	$1,941	19
Legacy Bank & Trust			520	$1,915	$1,915	9
OMB			521	$1,905	$1,905	8
Tab	4.15%	No	583	$1,644	$1,644
Evergreen			663	$1,401	$1,401	2
Newtek	4.35%		725	$1,248	$1,248
Pibank	4.60%		742	$1,211	$1,211	4	Pibank is a brand of Intercredit Bank, N.A.
NBKC	3.00%	No	780	$1,134	$1,134	3
Climate First	4.46%		849	$1,032	$1,032	2
Idaho First	4.35%		911	$962	$962	7	Peak Bank is a division of Idaho First Bank.
Patriot	3.00%		916	$957	$957	7
Affinity Bank	4.45%		951	$912	$912	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.
Ballston Spa National			961	$899	$899	12
Prime Alliance	4.05%	No	974	$887	$887
Industrial	0.01%	No	1,100	$754	$754	8
Modern			1,113	$744	$744	1
Decorah Bank & Trust			1,129	$730	$730	2
First Independence		No	1,177	$691	$691	3
All America	3.85%		1,311	$613	$613	6
OneUnited		Yes	1,322	$607	$607	8
M&F		No	1,541	$499	$499	6
PeoplesBank	4.40%	Yes	1,646	$457	$457	4	ZYNLO is a registered trademark of PeoplesBank.
Citizens Bank of Edmond	4.12%		1,755	$413	$413	1	ROGER is the digital military banking division of Citizens Bank of Edmond.
Varo	5.00%	Yes	1,939	$355	$355
-Other-
4front
Achieva
Affirm	3.85%						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	3.00%
Andrews Federal
Apple	3.65%						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	4.46%	Yes
Bethpage Federal
Betterment	4.00%	No					Betterment Financial LLC is not a bank. Bank services provided by nbkc bank, Member FDIC.
Blaze
BluPeak
Boeing Employees
Bread Financial	4.25%	No					Bread Savings is a product of Comenity Capital Bank, which is part of Bread Financial.
Carver Federal Savings	4.00%
Cashapp	4.00%	Yes					Cash App is a financial services platform, not a bank. Banking services are provided by Cash App's bank partner(s).
Chartway
Chime	3.75%	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
CIBM
Citadel CU
Community CU Florida
Community Resource
CommunityAmerica
Country
Credit Karma	3.10%	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	3.75%						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	5.00%						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
Fierce	4.25%						Fierce is a financial technology company, not a bank. Bank services are provided by Cross River Bank, Member FDIC.
Financial Plus
First Security		No
First Service
First Technology Federal
FirstLight Federal
Firstmark
Future	4.10%						Future is not a bank. Banking services are provided by Piermont Bank, Member FDIC.
Great River Federal
GreenFi							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	4.00%	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
MidWestOne
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	4.07%
Navy Federal
Neighborhood
NerdWallet
New Horizon
Newtown Savings
North American Savings	4.00%
Northwest
Northwest Federal
OnePay	3.75%	Yes					Banking services provided by Coastal Community Bank, Member FDIC.
Paramount		No
Paypal	3.80%	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	4.10%						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	4.25%	No
Raisin	4.31%						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
Revolut							Revolut is a technology services provider and program manager; not a bank. Banking services are provided by Lead Bank, Member FDIC.
Robinhood		Yes					Uninvested cash in your brokerage account is swept to partner banks, where it becomes eligible for FDIC insurance.
Sallie Mae	3.85%
SchoolsFirst
Sesame Cash		Yes
Skyla
SkyOne Federal
Southern Bancorp	4.60%
St. Mary's
Step	4.00%	Yes					Step is a financial technology company, not a bank. Banking services provided by Evolve Bank and Trust, Members FDIC.
Stoneham
Suffolk
Synchrony	3.80%
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	3.00%
Tower Federal
Travis
TruStone Financial
TTCU
U.S. Senate Federal
UFB Direct	4.01%	No					Bank products and services are offered by Axos Bank
Unity One
Upgrade	4.02%	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	4.31%
Visions
Walden Savings
Wealthfront	4.00%	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.