The Arca Savings Index
A neutral, weekly snapshot of what savings accounts actually pay — the top high-yield rates against the big banks and the FDIC national average. Free to embed on your site; the chart updates as rates move.
The Arca Savings Index
Bank rates as of
As of November 9, 2026, the top high-yield savings accounts pay up to 5.00% APY, or 4.20% with no requirements for new accounts. The biggest banks pay 0.01%–0.04%, and the FDIC national average is 0.37%. At 4.20%, $10,000 in savings earns about $420 a year; at the biggest banks, $1 to $4.
- Top high-yield savings with requirements*
- 5.00%
- Top high-yield savings no requirements
- 4.20%
- FDIC national average Sep 2026 (FDIC source)
- 0.37%
- Biggest banks standard savings
- 0.01% to 0.04%
*Requirements such as direct deposit or a linked checking account. The no-requirements rate is for new accounts. Top rates include promotional rates, which can expire. Biggest banks: Chase, Bank of America, Wells Fargo. How the Index is built
How this chart is built
- The high-yield lines. The two top high-yield figures are the highest advertised APY, and the highest APY with no requirements, among the major, nationally available high-yield savings accounts Arca tracks. Introductory and promotional rates are included, and the card notes when one sets a top figure, since they expire. Accounts are selected by criteria, not a fixed count, and the set is expanding. Each APY comes from the bank’s own published rate page.
- With vs. without conditions. A rate has requirements when earning it takes more than opening the account — for example a recurring direct deposit, a linked checking account or a minimum balance. The “no requirements” figure is the highest rate earnable with none of them; a rate limited to new accounts still counts, and the card says so.
- The big-bank band. The grey band is the range of standard savings APYs at the largest U.S. retail banks — Chase, Bank of America and Wells Fargo — taken from their published rate pages.
- FDIC national average. The FDIC national average is the FDIC’s published national savings rate, which it updates monthly — so it carries its own month, not the capture date. All APYs on this chart assume a $10,000 balance and are captured weekly and datestamped.
- Independence. Arca has no affiliate relationships today. Accounts are ranked by APY, never by whether Arca could earn a commission.
Updates
- “No conditions” became “no requirements”: an account whose only condition is being a new account now counts toward that figure, and the card says when it does. The two top figures are now the same ones every page on Arca states.
- Introductory and promotional rates now count toward the two top figures, so the Index shows the highest rates on offer; the card notes when a promotional rate sets one.
- The big-bank set is now Chase, Bank of America and Wells Fargo — the three largest U.S. banks by deposits — and introductory rates are excluded from the top figures.
Embed this chart
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<img src="https://arcasavings.com/savings-index.png" alt="The Arca Savings Index: current high-yield savings rates (Arca Savings)" width="1000" height="760" style="max-width:100%;height:auto;border:0" />
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<p>Source: <a href="https://arcasavings.com/rates">Arca Savings Index</a>, current high-yield savings rates</p><iframe src="https://arcasavings.com/embed/savings-index/frame" title="The Arca Savings Index" width="100%" height="860" style="border:0;max-width:760px" loading="lazy"></iframe>
<p>Source: <a href="https://arcasavings.com/rates">Arca Savings Index</a>, current high-yield savings rates</p>
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Free to embed — please keep the linked credit to arcasavings.com/rates.
Next chart on this pageAdvertised vs. actualFree to reuse under a Creative Commons Attribution 4.0 license (CC BY 4.0). Credit “Arca Savings Index” with a link to arcasavings.com/rates. The Rates API is licensed separately, under Arca’s Terms of Use.
Advertised vs. actual: what savings accounts pay before requirements
As of November 9, 2026, some of the savings accounts Arca tracks pay their advertised APY only after a requirement is met; others pay it to anyone who opens the account. The highest rate with no requirements is 4.20% APY at EverBank Performance Savings, for new accounts only. All figures are the rate applicable to a $10,000 balance.
The three sets of requirements
- Promotional rate
- Open Zeugma Plus Checking: Paired account, required
- Direct deposit: $1,000+/mo
- Opening deposit: $1,000 in new funds from outside Leader Bank, across both accounts
- Monthly activity: Enroll in eStatements and make at least 3 electronic debit transactions each month (payment-app transfers such as PayPal and Venmo do not count)
- New customers only: No owner can have held a Leader Bank deposit account in the past 12 months; one account per household
- Promotional rate: For accounts opened Sep 21 – Nov 30, 2026; 5.00% is guaranteed through Dec 31, 2026, after which the rate may change. Any month the requirements are not met, the whole balance earns 2.50%
- Minimum balance for top APY: $5,000 or more to earn 3.75% APY; balances below $5,000 earn 0.25% APY
- Qualifying product required for relationship rate: Must hold at least one of: U.S. Bank Smartly® Checking, Safe Debit account, or Bank Smartly™ Visa Signature® Card
- Combined Qualifying Balance (CQB) tier for 2.00% APY: CQB of $5,000–$24,999.99 required for 2.00% APY (the tier containing $10,000)
- Minimum opening deposit: $25
- Monthly Maintenance Fee: $5/month
- Monthly fee waiver: Fee waived when account owner holds Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® Card, or account has a minor under age 18
| Account | APY at $10,000, requirements met | APY, requirements not met | Requirements |
|---|---|---|---|
| Zeugma Plus High Yield Savings | 5.00% | 2.50% | Promotional rate; Open Zeugma Plus Checking: Paired account, required; Direct deposit: $1,000+/mo; Opening deposit: $1,000 in new funds from outside Leader Bank, across both accounts; Monthly activity: Enroll in eStatements and make at least 3 electronic debit transactions each month (payment-app transfers such as PayPal and Venmo do not count); New customers only: No owner can have held a Leader Bank deposit account in the past 12 months; one account per household; Promotional rate: For accounts opened Sep 21 – Nov 30, 2026; 5.00% is guaranteed through Dec 31, 2026, after which the rate may change. Any month the requirements are not met, the whole balance earns 2.50% |
| EverBank Performance Savings | 4.20% | 4.20% | None |
| CIT Platinum Savings | 3.75% | 0.25% | Minimum balance for top APY: $5,000 or more to earn 3.75% APY; balances below $5,000 earn 0.25% APY |
| Marcus Online Savings Account | 3.50% | 3.50% | None |
| Ally Bank Online Savings Account | 3.20% | 3.20% | None |
| U.S. Bank Smartly® Savings | 2.00% | 0.05% | Qualifying product required for relationship rate: Must hold at least one of: U.S. Bank Smartly® Checking, Safe Debit account, or Bank Smartly™ Visa Signature® Card; Combined Qualifying Balance (CQB) tier for 2.00% APY: CQB of $5,000–$24,999.99 required for 2.00% APY (the tier containing $10,000); Minimum opening deposit: $25; Monthly Maintenance Fee: $5/month; Monthly fee waiver: Fee waived when account owner holds Bank Smartly® Checking, Safe Debit account, Bank Smartly™ Visa Signature® Card, or account has a minor under age 18 |
All rates are those applicable to a $10,000 balance, captured from each institution’s public rate page. Promotional rates are included and marked. An introductory rate that falls to a lower rate after a set period is not charted, because that lower figure is a later rate, not the rate without requirements. APYs are variable.
All accounts shown are FDIC insured to $250,000 per depositor, per bank, per ownership category.
Arca may earn a commission when a reader opens an account through our links. This does not affect which accounts appear here or how they are ordered — rows are ranked by APY.
Cite this chart
Free to use, including commercially. Paste this line under the chart — it is the only attribution we ask for.
Source: <a href="https://arcasavings.com/embed/savings-index#conditional-spread">current high-yield savings rates (Arca Savings)</a>Free to embed — please keep the linked credit to arcasavings.com/rates.
Next chart on this pageSavings rates vs. Consumer Price InflationSavings rates vs. Consumer Price Inflation
As of November 9, 2026, the top high-yield savings accounts pay up to 5.00% APY — or 4.20% with no requirements, for new accounts — against Consumer Price Inflation of 3.7% for the 12 months through September 2026. The biggest banks pay 0.01%–0.04%.
Conditions vary by account (direct deposit or linked checking) — see Arca for specifics.
Top rates include promotional rates, which can expire.
Consumer Price Index (CPI-U, all items, 12-month change), U.S. Bureau of Labor Statistics — 12 months through September 2026
| Measure | Rate | Against inflation |
|---|---|---|
| Top HYSA · with requirements | 5.00% | +1.30 pp |
| Top HYSA · no requirements | 4.20% | +0.50 pp |
| Big banks | 0.01%–0.04% | −3.66 pp |
| Consumer Price Index (CPI-U, all items), 12-month change | 3.7% |
How this chart is built
- The inflation line. The dashed line is the 12-month change in the Consumer Price Index for All Urban Consumers (CPI-U, U.S. city average, all items, not seasonally adjusted, series CUUR0000SA0), published monthly by the U.S. Bureau of Labor Statistics. It is the headline inflation rate — the figure most widely reported — not the “core” measure that excludes food and energy. The figure beside each bar is that rate’s distance from the line in percentage points above or below Consumer Price Inflation, not a compounded real return.
- The high-yield lines. The two top high-yield figures are the highest advertised APY, and the highest APY with no requirements, among the major, nationally available high-yield savings accounts Arca tracks. Introductory and promotional rates are included, and the card notes when one sets a top figure, since they expire. Accounts are selected by criteria, not a fixed count, and the set is expanding. Each APY comes from the bank’s own published rate page.
- With vs. without conditions. A rate has requirements when earning it takes more than opening the account — for example a recurring direct deposit, a linked checking account or a minimum balance. The “no requirements” figure is the highest rate earnable with none of them; a rate limited to new accounts still counts, and the card says so.
- The big-bank band. The grey band is the range of standard savings APYs at the largest U.S. retail banks — Chase, Bank of America and Wells Fargo — taken from their published rate pages.
- Independence. Arca has no affiliate relationships today. Accounts are ranked by APY, never by whether Arca could earn a commission.
Arca may earn a commission when a reader opens an account through our links. This does not affect which accounts appear here or how they are ordered — rows are ranked by APY.
Embed this chart
Free to use on your own site. Each block includes a credit link back to Arca — please keep it.
<iframe src="https://arcasavings.com/embed/savings-index/inflation/frame" title="Savings rates vs. Consumer Price Inflation" width="100%" height="950" style="border:0;max-width:760px" loading="lazy"></iframe>
<p>Source: <a href="https://arcasavings.com/rates">current high-yield savings rates (Arca Savings)</a></p>Free to embed — please keep the linked credit to arcasavings.com/rates.
Cite this chart
Free to use, including commercially. Paste this line under the chart — it is the only attribution we ask for.
Source: <a href="https://arcasavings.com/rates">current high-yield savings rates (Arca Savings)</a>Free to embed — please keep the linked credit to arcasavings.com/rates.