Too close to call. Ally (92.0%) and Openbank (91.7%) are within 0.3 points, under our 3-point threshold, so we don't name a winner.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Openbank and Ally are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
| Fact | Openbank | Ally |
|---|---|---|
| APY (standard) | 3.8% src · 2026-10-12 | 3.1% src · 2026-10-12 |
| APY conditions | not found | not found |
| Promo (not scored) | boost: 0.35% for 6 months (up to 4.15%), open_by: 2026-11-03 src · 2026-10-10 | not found |
| Minimum to earn APY | $0.01 ⚑ third-party source src · 2026-10-09 | $0 src · 2026-10-10 |
| Monthly fee | $0 ⚑ third-party source src · 2026-10-09 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC; Openbank is a division of Santander Bank, N.A. (combined coverage) | Up to $250,000 src · 2026-10-10 FDIC; Ally Bank (cert 57803 per third party) |
| FDIC cert | 29950 (Santander Bank, N.A.) src · 2026-10-10 | 57803 (Ally Bank) src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | none found in last 5 yrs src · 2026-10-10 |
| Official page | savings account ↗ | savings account ↗ |
Too close to call: Ally and Openbank are within 0.3 points (under 3). Pick on the criteria you care about most.
| Criterion (weight) | Ally | Openbank |
|---|---|---|
| APY (standard rate) (17%) | 8.2/10 | 10.0/10 |
| Minimum to earn APY (17%) | 10.0/10 | 10.0/10 |
| Fees (17%) | 10.0/10 | 10.0/10 |
| Deposit insurance (17%) | 9.0/10 | 9.0/10 |
| Regulatory record (17%) | 10.0/10 | 10.0/10 |
| Access (ATM/app/support) (17%) | 8.0/10 | 6.0/10 |
| Overall | 92.0% coverage 100% | 91.7% coverage 100% |
0.167×8.2 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×8.0 = 9.20 → 92.0%0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×6.0 = 9.17 → 91.7%Opens the tool with these platforms filled in, so you can change the weights.
Facts-only answers: Is Openbank a good savings account? · Is Ally a good savings account?
Too close to call on equal weights (91.7% vs 92.0%). Change the weights in the tool to match your priorities.
Standard APY in our data: Openbank 3.8% (as of 2026-10-12), Ally 3.1% (as of 2026-10-12). Rates are variable; check each bank's site.
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.