Banks and Credit Unions We Track

Data last updated: September 30, 2025

Bank	Highest Savings Rate	Early Paycheck?	National Rank	Assets (Millions)	Domestic Assets (Millions)	Domestic Branches	Notes
Chase	0.01%	No	1	$3,813,431	$2,747,665	5,021
Bank of America	0.01%	No	2	$2,651,090	$2,491,192	3,624
Citi	3.30%	No	3	$1,844,189	$1,107,837	660
Wells Fargo	0.15%	Yes	4	$1,767,105	$1,757,039	4,158
US Bank	3.00%	No	5	$679,293	$671,238	2,115
CapitalOne	3.40%	Yes	6	$652,138	$651,634	258
Goldman Sachs	3.65%		7	$644,020	$540,971	2
PNC	3.85%	No	8	$563,953	$558,832	2,300
Truist	0.01%	No	9	$535,540	$535,378	1,927
TD	0.02%	No	12	$350,852	$350,852	1,100
BMO	3.25%		14	$249,342	$249,342	1,002
Morgan Stanley (E*Trade)	3.50%	No	15	$240,201	$240,201
First-Citizens Bank & Trust	3.75%	No	16	$233,167	$233,099	519	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	$222,111	$222,111	979
Fifth Third	0.01%	Yes	18	$212,207	$212,099	1,114
American Express	3.40%	No	19	$211,134	$211,134
M&T			20	$210,742	$210,742	973	Accounts offered in the following states: CT, DC, DE, MD, NJ, NY, PA, VA, WV.
Huntington	3.45%	Yes	21	$209,541	$209,541	1,025	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.
KeyBank	3.50%	No	22	$184,695	$184,695	951	Laurel Road is a brand of KeyBank N.A., Member FDIC.
Ally	3.30%	Yes	23	$180,089	$180,089
HSBC			25	$162,240	$162,240	20
Regions	0.01%	Yes	26	$158,598	$158,598	1,248
Santander	4.20%		27	$97,746	$97,736	379	Openbank is a division of Santander Bank, N.A.
Flagstar	4.02%	No	29	$91,593	$91,593	359	MyBankingDirect is a service of Flagstar Bank, N.A.
Zions Bancorporation			31	$88,533	$88,533	431	Amegy Bank is a division of Zions Bancorporation, N.A.
Webster	3.75%	No	32	$83,097	$83,097	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.
First Horizon	3.25%		33	$82,887	$82,887	415
UMB	3.51%		36	$71,519	$71,519	195	Accounts offered in the following states: Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas.
Old National			37	$70,997	$70,997	355	Accounts offered in the following states: IA, IL, IN, KY, MI, MN and WI
SouthState			39	$66,028	$66,028	343
Valley National	3.40%		40	$62,959	$62,959	229
CIBC USA	3.66%	No	41	$61,487	$61,487	17
Pinnacle			43	$55,868	$55,868	139
Barclays	4.00%		48	$46,823	$46,823
EverBank	3.90%	No	49	$44,814	$44,814	38
Associated			50	$44,394	$44,394	184
SoFi	3.30%	Yes	53	$41,250	$41,250	3
Hancock Whitney		Yes	57	$35,747	$35,747	182
FNBO	3.00%	No	62	$32,341	$32,341	119
Texas Capital	3.75%		63	$32,246	$32,246	10	Bask Bank is a division of Texas Capital Bank. Member FDIC.
City National Bank of Florida	4.01%	No	69	$27,771	$27,771	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			70	$27,466	$27,466	250
First			76	$26,621	$26,621	94
Eastern			77	$25,448	$25,448	109
Customers			79	$24,261	$24,261	6	Accounts offered in the following states: Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas.
Simmons			80	$24,164	$24,164	228
Hawaii			83	$23,980	$23,407	49
Merchants Bank of Indiana	3.50%		90	$19,297	$19,297	6
Central Trust			91	$19,188	$19,188	156
Bank of Hope			94	$18,501	$18,501	72
Seacoast			98	$16,667	$16,667	84
First United			101	$16,455	$16,455	74
Popular Direct	3.90%		107	$14,940	$14,940	40
Live Oak	3.90%		109	$14,582	$14,582
Dime			110	$14,528	$14,528	62
ConnectOne	3.00%		115	$14,014	$14,014	60
Veritex			117	$12,715	$12,715	33	Veritex Community Bank will become part of The Huntington National Bank but will continue to operate independently until systems integration is complete in 2026.
First Foundation	3.75%	No	122	$11,886	$11,886	29
Lending Club	4.00%	Yes	125	$10,967	$10,967	1
Wintrust			140	$9,405	$9,405	36
Flushing	3.46%	No	148	$8,872	$8,872	29	BankPurely and iGObanking are divisions of Flushing Bank, Member FDIC.
Amalgamated	1.05%		149	$8,686	$8,686	6
Salem Five	4.10%	No	156	$8,426	$8,426	33
Hanmi			166	$7,812	$7,812	32
Forbright	4.00%		168	$7,693	$7,693	1
SMBC MANUBANK	4.05%		169	$7,505	$7,505	7	Jenius Bank is the digital banking division of SMBC MANUBANK.
Poppy	4.00%		177	$7,317	$7,317	37
Old Second			184	$6,982	$6,982	56
Cambridge Savings	4.10%	No	186	$6,950	$6,950	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.
Midland States			187	$6,903	$6,903	55
Northpointe	2.55%		189	$6,839	$6,839
Equity	4.00%		199	$6,356	$6,356	77	Brilliant.Bank is a division of Equity Bank.
Broadway National		Yes	210	$5,810	$5,810	33
Emigrant	3.35%	No	211	$5,801	$5,801	2
First Internet Bank of Indiana	3.64%		222	$5,616	$5,616
CFG	3.90%	No	226	$5,474	$5,474	2
Orrstown			227	$5,470	$5,470	45	Merged with PeoplesBank, a Codorus Valley Company in July 2024
Bridgewater	4.40%		232	$5,351	$5,351	9	TIMBR is a division of Bridgewater Bank.
Northeast			279	$4,171	$4,171	9	ableBanking is a Division of Northeast Bank.
Primis	3.85%	Yes	289	$3,939	$3,939	27
Banterra			335	$3,249	$3,249	38
Northern Bank Direct	3.40%		339	$3,230	$3,230	11
Lake Ridge	2.98%		346	$3,179	$3,179	17
First Fidelity			373	$2,895	$2,895	25
Bank Independent			377	$2,861	$2,861	32
State Bank of Texas	3.76%		382	$2,813	$2,813	6
Cedar Rapids			387	$2,769	$2,769	7
Republic Bank of Chicago	3.46%		409	$2,593	$2,593	18
Western State	3.25%		435	$2,400	$2,400	9
FVC	3.85%		449	$2,315	$2,315	7
American Bank & Trust			497	$2,020	$2,020	20
OMB			500	$2,006	$2,006	9
Legacy Bank & Trust			548	$1,835	$1,835	8
Tab	3.61%	No	582	$1,629	$1,629
Newtek	4.35%		628	$1,498	$1,498
Climate First	4.21%		670	$1,387	$1,387	2
Pibank	4.60%		698	$1,328	$1,328	4	Pibank is a brand of Intercredit Bank, N.A.
Idaho First	4.20%		730	$1,249	$1,249	7	Peak Bank is a division of Idaho First Bank.
NBKC	3.00%	No	764	$1,166	$1,166	3
Prime Alliance	3.90%	No	829	$1,066	$1,066
Patriot	3.00%		922	$952	$952	7
Affinity Bank	4.45%		947	$925	$925	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			955	$914	$914	12
Decorah Bank & Trust			1,105	$750	$750	2
Industrial	0.01%	No	1,108	$746	$746	8
First Independence		No	1,176	$700	$700	3
Modern			1,233	$660	$660	1
OneUnited		Yes	1,290	$622	$622	8
All America	3.85%		1,331	$600	$600	6
M&F		No	1,544	$491	$491	6
PeoplesBank	4.10%	Yes	1,600	$469	$469	4	ZYNLO is a registered trademark of PeoplesBank.
Citizens Bank of Edmond	3.61%		1,762	$412	$412	1	ROGER is the digital military banking division of Citizens Bank of Edmond.
-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	3.10%
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	4.31%	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
Bread Financial	4.05%	No					Bread Savings is a product of Comenity Capital Bank, which is part of Bread Financial.
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	3.50%	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	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 Security		No
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	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
Netspend							Banking services provided by Pathward, National Association, Member FDIC
New Horizon
Newtown Savings
North American Savings	4.00%
Northwest
Northwest Federal
OnePay	3.35%	Yes					Banking services provided by Coastal Community Bank, Member FDIC.
Paramount		No
Paypal	3.65%	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	4.25%	No
Raisin	4.04%						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	3.70%
SchoolsFirst
Sesame Cash		Yes
Skyla
SkyOne Federal
Southern Bancorp	3.82%
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	3.65%
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	2.50%
Tower Federal
Travis
TruStone Financial
TTCU
U.S. Senate Federal
UFB Direct	3.40%	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	3.77%
Visions
Walden Savings
Wealthfront	3.25%	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.