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A sample of three accounts, ordered by ongoing APY at a $10,000 balance, without promotional or qualified-rate boosts. The full comparison ranks highest advertised APYs, including those offers.

Bank / accountAPYMonthly feeLast verified
FourLeaf Federal Credit UnionSimple Savings
Monthly fee $10 · Last verified 		4.50%$10Last verified
PibankPibank Savings
Monthly fee $0 · Last verified 		4.40%$0Last verified
Vault.Bank (Bank of Brodhead)Vault Savings
Monthly fee $4.95 · Last verified 		4.35%$4.95Last verified
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Guides & tools

Why you might not earn that advertised savings APY

A practical guide to balance requirements, promotional rates and qualification rules, with steps to check the offer before opening an account and verify what you earn afterward.

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