The leading savings account rate in the country can fluctuate at any time, as banks and credit unions are free to adjust their rates on savings accounts whenever it suits their purposes. However, what you can see from our rankings of the top rates is that many of the best APYs come from Internet-only banks. Rounding out the top contenders are some online arms of traditional banks and a few credit unions that offer broad, nationwide membership eligibility. What you also may notice is the absence of the biggest bank names you know. Chase Bank, Bank of America, and Wells Fargo—three of the country's four largest banks by assets—offer savings account rates far below the national average. Competing heavily for deposit funds is something they simply don't do, as their business model and size enable them to secure sufficient capital from other sources. Among the big-four banks, only Citibank offers a savings account product with a competitive interest rate. What you can count on from our rankings is that these are the definitively highest savings account rates offered in the country from institutions that are open to customers nationwide. We do not rank them according to advertising or sponsorship relationships, or any criteria other than APY, nationwide availability, and a minimum deposit of $25,000 or less.