High-yield savings · by state
Savings rates are national. The rules are set state by state.
An online bank pays the same APY wherever you live, so there's no state-specific rate to chase. What does turn on your state: who charters and supervises the banks and credit unions there, how FDIC and NCUA insurance apply, and the local credit-union options worth comparing against a top online account. Pick your state for that context. New to how savings accounts work? Start with the savings guide.
Educational only — not a bank. ClearValue Banking is an independent education and comparison publisher, not a bank, credit union, or FDIC/NCUA-insured institution. It does not open accounts, hold deposits, or give personalized financial advice. Any account is opened with and held by the partner bank — the FDIC-insured institution; deposit insurance is provided by that bank, not by us.