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All Money, Tax, Bank & Retirement Tools
Short answer: As of Oct. 26, 2026, the highest standard savings rate VaultRubric verified on a bank's own page is Peak Bank at 4.27% APY ($100 to open, $0 monthly fee). Next: EverBank 4.20% and Bread Savings 4.05%. The median across the 21 online banks we score is 3.50%; the FDIC national average is 0.37%.
Ask answers money questions using VaultRubric pages. If it can't answer, it links up to 3 VaultRubric pages that may help. It's general education, not personal financial, legal or tax advice.
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Yes. Every savings, tax, mortgage, retirement, military, and business calculator on VaultRubric is free to use with the math shown and sources linked.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.