Find where your money earns more.
Compare savings accounts and Treasury bills. Every rate checked against the bank's own page.
Top savings
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FDIC insured
Avg savings
-
FDIC banks
Treasury 1-yr
-
T-Bill
Treasury 3-mo
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Short-term cash
Final Balance
$15.1K
Total Return
+50.6%
Starting
$10.0K
Interest Earned
$5.1K
Projected Balance
$15.1K
Your money has places to be. Preferably places that pay.
US Treasury T-Bill Yields
Loading…4-Week
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T-Bill
3-Month
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T-Bill
6-Month
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T-Bill
1-Year
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T-Bill
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FDIC High-Yield Savings Accounts
Checked against each bank's own page · Unverified banks are not listed| Bank | APY | Type | Min Deposit | Lockup | Protection | Fees | Best For |
|---|---|---|---|---|---|---|---|
| Loading rates… | |||||||
⚠ Every rate here was checked against the bank's own page. Banks change rates without notice, so confirm before you open an account. Rates shown are not offers. Banks we could not verify are left out rather than shown stale.
Looking for crypto yields?
Staking and DeFi are a different asset class with different risk. They have their own page so the numbers here stay comparable.
Common questions
What's the difference between APR and APY?
APR is the raw annual rate. APY factors in compounding — it's the number that tells you what you actually earn over a year.
Are DeFi yields safe?
No. DeFi carries smart contract risk and is not FDIC insured. Higher APY reflects higher risk. We label each protocol's risk level clearly.
Where does the data come from?
DeFi rates: DeFiLlama. Treasury rates: US Treasury Direct. Bank rates are checked by hand against each bank's own page, because no free public API exists for retail bank product rates. A bank we cannot verify is left off the table rather than listed with a stale number. See our disclosures for how current each source is.
How often do bank rates change?
Banks adjust savings rates within days of a Federal Reserve meeting, so a rate here can fall behind quickly. Check the date stamp in the header, and confirm the rate with the bank before you act on it.
EarnAPYon is a free rate comparison tool. We are not a bank, broker, or financial advisor. Rates shown are for informational purposes only and may not reflect current offers. DeFi yields sourced from DeFiLlama. Treasury yields from US Treasury Direct. Bank rates manually researched. Not financial advice.