Bank Rates Comparison
Educational estimates · Updated Apr 2026 · Not financial advice
Compare high-yield savings (HYSA), CD, money market, and mortgage rates from 20+ major U.S. banks. Use the credit score selector to see how your credit profile affects mortgage rates — powered by AI.
🏦 Online banks win on savings
Online-only banks offer 8–10× the national average APY with no monthly fees.
📅 CDs beat HYSA for fixed terms
Lock in a 1-year CD at 5%+ APY if you won't need the money for 12 months.
📊 Credit score affects mortgages
Excellent credit saves $200–$400/mo vs. fair credit on a typical mortgage.
Federal Funds Rate: 4.25% – 4.50% (as of Apr 2026)
The Fed benchmark drives savings APYs and mortgage rates. When the Fed cuts rates, HYSA/CD APYs typically fall within weeks — lock in CDs now to secure today's rates.
Best HYSA
4.81%
UFB Direct
9.6× national avg
Best 1-Yr CD
5.10%
Synchrony Bank
vs 1.85% national avg
Best 30-Yr Fixed
6.65%
Better.com
Lowest mortgage rate
1–10 of 51 results
6.00%
Rate
~$3,375/mo on $400k
6.05%
Rate
~$3,386/mo on $400k
6.10%
Rate
~$3,397/mo on $400k
6.10%
Rate
~$3,397/mo on $400k
6.15%
Rate
~$3,408/mo on $400k
6.20%
Rate
~$3,419/mo on $400k
6.65%
Rate
~$2,568/mo on $400k
6.70%
Rate
~$2,581/mo on $400k
6.70%
Rate
~$2,581/mo on $400k
6.75%
Rate
~$2,594/mo on $400k
Rates are educational estimates as of Apr 2026. AI-adjusted rates are illustrative only. Actual rates depend on your full credit profile, loan-to-value ratio, and lender policies. Always verify directly with the institution before making financial decisions. Links go to each bank's official website.
Calculate your savings earnings
Use our free savings calculator to estimate how much you'll earn at any APY.