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Compare savings rates in the
United States
No wading through promo pages. Tell us your situation and we'll line up CDs, savings, and Treasuries that fit.
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Not financial advice — always confirm the details with the provider.
In the USA
FDIC & NCUA
Bank savings and CDs are usually FDIC-insured up to $250,000 per depositor, per bank. Credit unions often use NCUA instead — same idea, different badge. Either way, your cash at a member institution is protected if the place goes under.
Coverage applies per ownership category — worth a quick read on fdic.gov if you're holding a lot in one place.
Before you commit
Guides for savers in the USA
Plain-English explainers on rates, terms, early withdrawal, and deposit protection — written for savers, not bankers.
Browse the guidesRead first
Terms, products, and trade-offs
- 01 Fixed income · 10 min Fixed-rate savings: do not chase the top rate alone A fixed rate only helps if you can leave the money until the end date. Start with when you need the cash, then look at the rate.
- 02 Fixed income · 10 min CDs: only lock money you will not need early A certificate of deposit can be a good home for money with a clear end date. Read the early-withdrawal penalty before you open one.
- 03 Fixed income · 9 min How to use APY when comparing US savings APY helps you compare yields fairly. First decide whether you need easy access or a locked CD, then compare APYs inside that choice.
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Fixed and easy-access rates matched to the USA. Comparison only — not financial advice.