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Bank savings rates in United States

10 banks, each figure read off the bank's own product page. The number on a card is what you get without meeting any conditions.

The highest rate you can get in United States without conditions is 4.2 % at LendingClub, as of our last check.

LendingClub
4.2 % savings account

нужен приток от $250 в месяц — банк пишет «Earn 4.20% APY with $250+ in deposits»

checked 2026-10-01 · the bank's own page →

Bask Bank
3.9 % savings account

временного буста 4,10% на странице больше нет (проверено 01.10.2026)

checked 2026-10-01 · the bank's own page →

Quontic Bank
3.9 % savings account

3,90% даёт не сберегательный счёт, а Money Market — но там ставка едина для всех тиров

checked 2026-10-01 · the bank's own page →

CIT Bank
3.65 % savings account

advertises 3.75 % — from $5,000 in the account

3.75% only on Platinum Savings and only on balances from $5,000.

checked 2026-10-01 · the bank's own page →

Wealthfront
3.55 % savings account

advertises 4.45 % — salary + newcomer boost

4,45% складываются из базы 3,55% плюс +0,25% за прямое зачисление зарплаты и +0,65% как трёхмесячный буст новым клиентам

checked 2026-10-01 · the bank's own page →

SoFi
3.3 % savings account

advertises 4.2 % — промо на 6 месяцев новичкам

«up to 4.20%» — 3,30% с прямым зачислением зарплаты плюс промо +0,90% на 6 месяцев новым клиентам (счёт до 31.12.2026)

checked 2026-10-01 · the bank's own page →

Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.

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