How we compare savings accounts

The details behind the numbers.

We model legal banks separately from consumer brands. APY is evaluated at your stated balance using the latest recorded observation. A checked rate expires after 24 hours; bank identity verification expires after 30 days. Pending, future and stale observations do not enter current APY rankings. A source capture alone does not approve a rate or verify every term. Confirm eligibility, fees and deposit coverage with the bank and FDIC.

A useful next step