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 August 11, 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, 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.
<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><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>Free to embed — please keep the linked credit to arcasavings.com/rates.
Next chart on this pageAdvertised vs. actualAdvertised vs. actual: what savings accounts pay before conditions
As of August 11, 2026, some of the savings accounts Arca tracks pay their advertised APY only after a condition is met; others pay it to anyone who opens the account. The highest rate available with no conditions attached is 3.75% APY. All figures are the rate applicable to a $10,000 balance.
The three sets of conditions
- Linked Axos ONE® Checking Account Required: Must hold an Axos ONE® Checking account; both accounts must be open and active on the 25th of the month and on the date interest is paid.
- Option 1: Monthly Qualifying Direct Deposits: At least $1,500 in total monthly qualifying direct deposits AND average daily balance of at least $1,500 in Axos ONE® Checking.
- Option 2: Monthly Qualifying Deposits (alternative to Option 1): At least $5,000 in total monthly qualifying deposits AND average daily balance of at least $5,000 in Axos ONE® Checking.
- 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, conditions met | APY, no conditions met | Conditions |
|---|---|---|---|
| Axos ONE® Savings | 4.21% | 1.00% | Linked Axos ONE® Checking Account Required: Must hold an Axos ONE® Checking account; both accounts must be open and active on the 25th of the month and on the date interest is paid.; Option 1: Monthly Qualifying Direct Deposits: At least $1,500 in total monthly qualifying direct deposits AND average daily balance of at least $1,500 in Axos ONE® Checking.; Option 2: Monthly Qualifying Deposits (alternative to Option 1): At least $5,000 in total monthly qualifying deposits AND average daily balance of at least $5,000 in Axos ONE® Checking. |
| 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 |
| Axos Summit Savings | 3.75% | 3.75% | None |
| Marcus Online Savings Account | 3.40% | 3.40% | None |
| U.S. Bank Smartly® Savings | 3.00% | 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 |
| Ally Bank Online Savings Account | 3.00% | 3.00% | None |
| American Express High Yield Savings Account | 3.00% | 3.00% | None |
All rates are those applicable to a $10,000 balance, captured from each institution’s public rate page. Promotional and introductory rates are excluded. 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 August 11, 2026, the top high-yield savings accounts pay up to 4.21% APY — or 3.75% with no conditions — against Consumer Price Inflation of 3.4% (July 2026). The biggest banks pay 0.01–0.05%.
Conditions vary by account (direct deposit or linked checking) — see Arca for specifics.
Consumer Price Index (CPI-U, all items, 12-month change), U.S. Bureau of Labor Statistics — July 2026
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 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, and U.S. Bank — 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="560" 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.