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
As of June 15, 2026, the top high-yield savings accounts pay up to 4.21% APY — or 3.75% with no conditions — versus 0.01–0.05% at the biggest banks and the FDIC national average of 0.38%.
Conditions vary by account (direct deposit or linked checking) — see Arca for specifics.
FDIC national average, as of June 2026
| Tier | APY |
|---|---|
| Top HYSA · with conditions | 4.21% |
| Top HYSA · no conditions | 3.75% |
| Big banks | 0.01–0.05% |
| FDIC national average | 0.38% |
How this chart is built
- The high-yield lines. The two “Top HYSA” bars are the highest advertised APY, and the highest APY with no conditions, among the major, nationally available high-yield savings accounts Arca tracks. 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 is conditional when earning it takes more than opening the account — for example a recurring direct deposit or a linked checking account. The “no conditions” figure is the highest rate earnable with none of those requirements.
- The big-bank band. The muted band is the range of standard savings APYs at the largest U.S. retail banks — Chase, Bank of America, Wells Fargo, Citibank, and U.S. Bank — taken from their published rate pages.
- FDIC national average. The dashed line is the FDIC’s published national savings rate, which it updates monthly. 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.
Embed this chart
Free to use on your own site. Each block includes a credit link back to Arca — please keep it.
Static imageMax compatibility · works anywhere
<a href="https://arcasavings.com/rates">
<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" />
</a>
<p>Source: <a href="https://arcasavings.com/rates">current high-yield savings rates (Arca Savings)</a></p>Live iframeAuto-updates as rates change
<iframe src="https://arcasavings.com/embed/savings-index/frame" title="The Arca Savings Index" width="100%" height="620" 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>Paste straight into WordPress, Google Docs, or Notion — keeps the linked image.
Free to embed — please keep the linked credit to arcasavings.com/rates.