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Know which banks actually
keep their promises

Every bank advertises a high APY. We track who silently cuts it. Ranked by Rate Loyalty Score — not today's rate, but who treats you fairly long-term.

15 Banks Tracked EFFR: 4.33% Last updated: Mar 2, 2026
How much are you leaving on the table?

Rate Loyalty Leaderboard

Ranked by Rate Loyalty Score — who treats you fairly long-term, not just who's highest today

1

SoFi

88 Good
3.80% APY
Rate Gap: 0.53% · 6-Mo: -0.80%
$53/yr on $10K
FDIC Insured Rate Decay

Best for: Mobile-first savers

View Details →
2

Bread Savings

86 Good
4.50% APY
Rate Gap: -0.17% · 6-Mo: -0.65%
$-17/yr on $10K
FDIC Insured Rate Decay

Best for: Rate-loyal savers

View Details →
3

Bask Bank

82 Good
4.00% APY
Rate Gap: 0.33% · 6-Mo: -1.10%
$33/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
4

CIT Bank

81 Good
4.35% APY
Rate Gap: -0.02% · 6-Mo: -0.70%
$-2/yr on $10K
FDIC Insured Rate Decay

Best for: Rate-loyal savers

View Details →
5

Popular Direct

81 Good
4.40% APY
Rate Gap: -0.07% · 6-Mo: -0.80%
$-7/yr on $10K
FDIC Insured Rate Decay

Best for: Rate-loyal savers

View Details →
6

Barclays

75 Good
4.10% APY
Rate Gap: 0.23% · 6-Mo: -1.00%
$23/yr on $10K
FDIC Insured Rate Decay

Best for: Rate-loyal savers

View Details →
7

Wealthfront

74 Fair
4.00% APY
Rate Gap: 0.33% · 6-Mo: -1.00%
$33/yr on $10K
FDIC Insured Rate Decay

Best for: Mobile-first savers

View Details →
8

American Express HYSA

71 Fair
3.90% APY
Rate Gap: 0.43% · 6-Mo: -0.95%
$43/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
9

Discover

68 Fair
3.75% APY
Rate Gap: 0.58% · 6-Mo: -1.00%
$58/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
10

TAB Bank

60 Fair
4.01% APY
Rate Gap: 0.32% · 6-Mo: -1.26%
$32/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
11

Capital One 360

58 Fair
3.80% APY
Rate Gap: 0.53% · 6-Mo: -1.20%
$53/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
12

Marcus by Goldman Sachs

56 Fair
3.90% APY
Rate Gap: 0.43% · 6-Mo: -1.20%
$43/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
13

Betterment

55 Fair
3.75% APY
Rate Gap: 0.58% · 6-Mo: -1.25%
$58/yr on $10K
FDIC Insured Rate Decay

Best for: Mobile-first savers

View Details →
14

Ally Bank

54 Fair
3.80% APY
Rate Gap: 0.53% · 6-Mo: -1.20%
$53/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
15

UFB Direct

36 Poor
3.70% APY
Rate Gap: 0.63% · 6-Mo: -1.55%
$63/yr on $10K
FDIC Insured Rate Decay

Best for: Traditional banking with HYSA

View Details →
Calculator

How much are you leaving on the table?

Enter your bank and balance. See the dollar amount you lost to rate decay last year.

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Fed Rate Benchmarked

Every rate compared against the Effective Federal Funds Rate, not just other banks.

Decay Detection

We track every silent rate cut. "Dropped 0.60% while Fed held steady" — we call it out.

Dollar Impact

Percentages hide the truth. We show dollar amounts: "$490/yr on $50K" hits harder than "0.98%".