Track savings yields like a portfolio.
SmartRate monitors high-yield savings, money markets, Treasuries, and CDs so you can compare the best opportunities and follow shifts over time.
Institutions
64
Products
266
Latest Update
6/17/2026
Market Snapshot
Quick context for how savings rates compare right now.
Fed Funds Rate
?
3.63%
Avg HYSA
?
3.27%
Spread
?
-0.36% vs Fed
Trend
?
↑ flat last 30 days
Best Rates Today
Snapshot of the highest yields right now.
Top Rates Comparison
Compare leading institutions for the selected category.
Current Rates
Search, filter, and sort across savings products.
HYSA
Pibank
Pibank Savings
4.40%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Axos
High Yield Savings
4.21%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Newtek Bank
Personal High Yield Savings
4.20%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Forbright Bank
Bright Savings
4.15%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Forbright Bank
Sprout Savings
4.15%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Bask Bank
Bask Interest Savings
4.10%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Jenius Bank
Jenius Savings
4.05%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Vio Bank
Online Savings
4.01%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Peak Bank
Envision Savings
4.01%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
UFB Direct
UFB Portfolio Savings
4.01%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Lending Club
Lending Club
4.00%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
HYSA
Brilliant Bank
Brilliant Bank
4.00%
6/17/2026
Change (6M)
0.00Updated
6/17/2026
Showing 12 of 54 products on page 1 of 5.
Rate Change Alerts
Recent changes detected in the last 7 days.
Bask Bank
Bask Interest Savings
Increased
+0.05 pts
6/12/2026 · UP
PNC
High Yield Savings
Decreased
0.10 pts
6/16/2026 · DOWN
American Express
14-month CD
Decreased
0.75 pts
6/16/2026 · DOWN
Analyst Notes & Quick Guide
Signals from rate moves plus quick product tips for cash decisions.
HYSA
High-yield savings accounts are liquid cash with variable APY. Best for emergency funds and near-term spending goals.
Money Market
Money market products can pay competitive yields, but check minimum balance tiers and transaction limits before moving funds.
CDs
Certificates of deposit lock your rate for a term. Great for planned cash you will not need before maturity.
Treasuries
Treasuries are U.S. government debt with strong safety. Compare their yield to HYSA rates when deciding between liquidity and term commitment.
Quick Screen
Compare APY after fees, withdrawal limits, and minimums before moving cash.
When Rates Move
Large same-day drops can signal promotional pricing ended; check product terms before chasing yield.
Ladder Idea
Split CD balances across terms so part of your cash matures sooner while keeping higher locked rates.
Tip: Keep operating cash in HYSA/MM, then layer CDs or Treasuries for funds you do not need immediately.
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