Forbright Bank and Axos Bank share the lead closely in recommendations for fee-free accounts offering competitive interest rates. Capital One 360 Performance Savings is the usual answer when buyers seek accounts with no minimum balance requirements.
Since July, CITrising has become the usual answer for storing wedding funds, while Varofalling and Wealthfrontfalling dropped out of several general savings queries.
Latest insights
Weeks of Sep 21 – Oct 11, 2026
Forbright Bank Gap between platforms:
Forbright Bank Slipping:
Capital One 360 Performance Savings Gap between platforms:
14% of citations point at the ranked brands’ own sites. wsj.com, bankrate.com, nerdwallet.com are the most-cited sites outside the ranked brands’ own domains.
If your bank pays 0% interest, moving your savings to a high-yield savings account (HYSA) is one of the simplest ways to earn money on cash you already have — without taking investment risk.
I'd prioritize three things: a competitive annual percentage yield (APY), no monthly maintenance fee, and no minimum balance requirement to earn interest. Ideally, the account should also have FDIC or NCUA insurance.
The important catch is that the highest advertised rate isn't always the best deal: some accounts have balance caps, introductory rates, or requirements to qualify for the top APY.
My top high-yield savings accounts for October 2026
These are the strongest options I found based on current published rates, fees, and opening requirements.
1. Peak Bank
4.27% APY
(Highest listed rate)
As of October 6, 2026 · $100 opening deposit
No monthly maintenance fee.
No minimum balance to earn the advertised APY.
No debit card or checks; withdrawals are by bank transfer.
Rates are variable and can change. Confirm the current APY and account terms directly before opening an account.
How much more could you earn?
Here's an illustration using a constant APY and a balance that stays in the account for one year.
Savings balance
At 0%
At 4.20% APY
$5,000
$0
$210
$10,000
$0
$420
$25,000
$0
$1,050
$50,000
$0
$2,100
These are approximate earnings before taxes, assuming the rate doesn't change.
Which one would I choose?
My first choice for maximizing interest would be Peak Bank, provided you're comfortable managing withdrawals through bank transfers and the current rate is still available. For a simpler comparison, Newtek Bank and EverBank are also worth checking.
Before opening an account, verify the bank's deposit insurance, transfer limits, and any non-monthly fees.
Let me narrow it down to the best account for you
One quick question: about how much do you plan to deposit? The amount can change which account is best, especially when higher rates require a minimum balance.
Escaping a 0% interest account for a high-yield savings account (HYSA) is one of the easiest ways to put your cash back to work. Online banks and fintechs generally offer the best rates because they don’t have the high overhead of physical brick-and-mortar branches, meaning they can pass those savings on with zero monthly maintenance fees and no minimum balance requirements.
CIT Bank (Platinum Savings) : Frequently paces the market with top-tier rates (hovering around 4.1 0%APY ), though it requires a minimum opening deposit of$1 0 0 . Check details on the CIT Bank Website.
Ally Bank : Known for having no monthly fees or minimums, plus incredible customer service and intuitive budgeting tools like "Savings Buckets". Explore the offering via Ally Bank Savings.
American Express National Bank : Offers a seamless high-yield savings account backed by AmEx customer service with zero monthly fees and no minimums. Read more at the American Express High Yield Savings.
Discover : Famous for zero monthly fees, no minimum deposit requirements, and a straightforward, highly-rated mobile app experience. Check out the Discover Online Savings overview.
Capital One (360 Performance Savings) : Great option if you want strong online rates with the added bonus of having physical cafe/branch access in select areas, backed by zero fees. View details on the Capital One 360 Savings.
Note: Make sure any institution you choose explicitly states they are FDIC-insured (or NCUA-insured if a credit union), which protects your money up to$2 5 0,0 0 0 per depositor, just like a traditional bank.
If you'd like to narrow this down, tell me:
Do you want checking features/a debit card attached, or just a pure savings account?
How much are you planning to transfer over?
I can help you pick the exact right fit for your cash!
Several reputable online banks offer high-yield savings accounts with no minimum balance requirements and no monthly maintenance fees , allowing you to earn strong interest regardless of how much (or how little) you deposit.
Top options available right now include:
Capital One 360 Performance Savings: Features a strong APY, $0 minimum to open or maintain, and no monthly fees. A great perk is that you can also access physical Capital One Cafes and select branches if needed.
Ally Bank Savings: Well-known for great customer service and digital tools like "savings buckets," Ally requires no minimum deposit or ongoing balance to earn interest or avoid fees.
Discover Online Savings: Offers a competitive high-yield rate with a $0 monthly maintenance fee and no minimum balance requirements.
Synchrony Bank High Yield Savings: Charges zero monthly fees and has no minimum balance rules, plus options for an ATM/debit card if you need occasional cash access.
SoFi Checking and Savings: Combines checking and savings with top-tier high yields (when setting up direct deposit), with no minimum balance required to earn interest.
Would you prefer an account that is purely online-only , or are you looking for a bank that also offers checking features and a debit card/ATM access?
If your priorities are high APY + easy access + no monthly fee, there isn’t one universal winner—the highest rates often come with balance caps or extra requirements.
As of September 18, 2026, the market’s top advertised savings rates are around 4.50% APY, while NerdWallet’s national comparison shows several straightforward accounts around 4.0%–4.2%.
Account
Current APY*
Monthly fee
Access considerations
Newtek Bank Personal HYSA
4.20%
$0
Strong rate; $100 opening deposit
Axos ONE Savings
Up to 4.21%
$0
Highest rate requires meeting certain requirements
Vibrant Credit Union
Up to 4.40%
—
Highest rate is limited to balances up to $5,001
Capital One 360 Performance Savings
Variable
$0
Excellent convenience; branches/Cafés and easy transfers
Marcus by Goldman Sachs
3.50%
$0
Simple online account with no minimum opening deposit
Rates can change, so the APYs above are snapshots rather than guarantees.
For an emergency fund
I'd focus less on squeezing out the absolute last 0.2–0.5 percentage points and more on reliable transfers, no monthly fee, FDIC/NCUA insurance, and no complicated requirements. A high APY that requires maintaining another account or meeting monthly conditions can be less convenient when you're dealing with an actual emergency.
Capital One 360 Performance Savings is particularly convenient if accessibility is important: Capital One says it has no monthly fee or minimum balance, supports transfers to linked external accounts, offers a mobile app, and has physical Capital One Cafés.
If your overriding goal is maximum APY, I'd investigate Newtek/Axos/Vibrant first. If your goal is a simple emergency-fund account you can easily get money in and out of, Capital One is worth considering.
*APYs are variable and can change. For an emergency fund, keep enough immediately accessible in checking for urgent expenses and the remainder in the HYSA.
When building an emergency fund as a young professional, you want a high-yield savings account (HYSA) that combines a strong APY, $0 monthly maintenance fees, and frictionless access (typically via ACH transfers or an ATM/debit card) in case an urgent expense hits.
Leading online options balance these needs without hidden gotchas:
SoFi Checking and Savings
APY: Up to 4.0 0% (with qualifying direct deposit)
Monthly Fees:$0
Access: Excellent. It combines checking and savings under one roof, meaning you get a debit card for immediate cash access and mobile check depositing without needing separate banks.
Best for: An all-in-one digital banking setup.
CIT Bank (Platinum Savings)
APY: Up to 4.1 0% (typically requires a higher tier balance, like$5,0 0 0+)
Monthly Fees:$0
Access: Good via online and mobile transfers, though it functions strictly as a savings vehicle (no bundled checking/debit card on the core savings side).
For a couple holding a large wedding fund, I’d prioritize FDIC insurance, a competitive savings rate, no withdrawal restrictions that could interfere with vendor payments, and easy access to the money over chasing the absolute highest advertised APY.
The best temporary home is usually a high-yield savings account (HYSA) at an FDIC-insured bank, or a deposit account at an FDIC-insured bank accessed through a reputable savings platform. Since wedding expenses can come due with little notice, keeping the funds liquid is important.
One key consideration: FDIC insurance generally covers up to $250,000 per depositor, per insured bank, per ownership category. A couple should verify how their account is titled and how much is insured rather than assuming that having two names automatically doubles coverage in every situation.
Best accounts to compare right now
Rates change frequently, and a promotional rate isn't always the best choice for a large, short-term balance. The October 2026 comparison from The Wall Street Journal identifies Axos ONE, Ally, American Express, and Capital One among the notable options.
1. Capital One 360 Performance Savings
Best starting point for simplicity
A good option to evaluate for everyday access to wedding savings, especially if you want a recognizable bank and straightforward online account management. Verify the current APY and transfer timing.
The October comparison lists a promotional APY of up to 5.00%. Check qualifying balance, direct-deposit, account-bundle, and other eligibility requirements before counting on that yield.
These are a shortlist, not a verified ranking of today's exact APYs. I would not choose a winner based on an advertised maximum rate without confirming the terms for your particular deposit.
My recommendation for a large wedding fund
Based on the rates published for October 12, 2026, I'd start by comparing Axos ONE and Vio Bank for yield, then use Capital One as a convenience-oriented alternative. Vio's listed 4.01% APY has no minimum balance requirement to earn that rate, while Axos's 5.00% offer is temporary and has qualifying requirements.
Account
Published APY
Important consideration
Axos ONE
5.00%
Promotional rate for six months; eligibility conditions
Vio Bank High Yield Savings
4.01%
$100 opening deposit; paper-statement fee may apply
Capital One 360 Performance Savings
3.10%
Straightforward online savings option
Online Savings
Rates are published figures from October 12, 2026, not guaranteed future rates. Verify the current offer and account terms before opening.
How much could the wedding savings earn?
For illustration, here's the approximate interest on $100,000 held for six months at a constant APY, before taxes.
Illustrative compound-growth estimate assuming the APY stays constant, with no deposits or withdrawals. Actual earnings vary.
The most important detail: insurance coverage
If your wedding savings exceed $250,000, don't automatically put everything into one account.
A qualifying joint account can generally insure up to $250,000 per co-owner at the same FDIC-insured bank, or $500,000 for two eligible co-owners with no other deposits counting against that joint-account coverage.
Your existing deposits at that bank in the same ownership category count toward the limit.
If your savings exceed the available coverage, consider distributing funds across separately insured banks and verify each bank's legal identity and insurance status.
For wedding money, I'd avoid stocks and long-term CDs when you need to pay vendors on a firm schedule. A liquid, insured savings account is generally the better fit.
One question that would help me narrow this down: Approximately how much are you parking, and when will you need most of it for the wedding — within 3 months, 6 months, or a year or more? The best choice can change substantially with the balance and timeline.
When parking large wedding savings temporarily, you want to balance maximum yield, uncompromised liquidity (since vendor payment deadlines shift), and strict FDIC insurance protection . Top-tier online banks currently offer high-yield savings account (HYSA) rates hovering between 4.20% and 4.50% APY.
If you'd like, let me know:
I can help you decide whether an HYSA, a short-term CD, or splitting across multiple accounts makes the most sense.
We need a safe, FDIC-insured place to keep our wedding fund for a short time. Can you recommend some high-yield savings accounts suitable for large balances?
Google AI Mode· Oct 13, 2026
For short-term holding of a large wedding fund, prioritizing liquidity, safety, and a competitive Annual Percentage Yield (APY) is ideal. Standard FDIC insurance protects your deposits up to $250,000 per depositor, per insured bank. If your wedding fund exceeds this amount, you will want to spread the balance across multiple institutions or look into an Insured Cash Sweep (ICS) program.
Here are top FDIC-insured high-yield savings options well-suited for stable, short-term holding:
If you can share approximately how large the balance is and your timeline for withdrawals (e.g., needed all at once in 3 months vs. incremental vendor payments over a year), I can help you decide between a flexible high-yield savings account or a short-term certificate of deposit (CD).
My partner and I are looking for a safe, FDIC-insured place to store our large wedding savings account temporarily while earning interest. Any recommendations?
If you're willing to meet the checking-account requirements, Axos ONE is the highest APY I'd consider right now. After the promotional period, however, the rate drops substantially, so it's not necessarily the best long-term home for your cash.
For a simpler account, Peak Bank is currently at 4.27% APY with a $100 opening minimum and no monthly maintenance fee, according to today's NerdWallet comparison.
One other advertised 4.50% option, GO2bank, only pays that rate on up to $5,000, making it much less attractive for a larger balance.
If you tell me roughly how much you're putting in (e.g. $10k, $50k, $100k, $250k+), I can compare the actual dollar earnings and find the best account rather than just the highest headline APY.
The top-tier high-yield savings accounts (HYSAs) right now generally offer annual percentage yields (APYs) sitting in the 3.80% to 4.25% range, depending on balance requirements or linked checking accounts.
Leading options available right now include:
Axos Bank — Offers up to 4.21% APY , though it requires a linked checking account and specific monthly direct deposit or balance requirements.
Happen Bank (formerly LendingClub Bank) — Offers a competitive 4.20% APY with a $0 minimum balance requirement.
CIT Bank (Platinum Savings) — Offers up to 4.10% APY , which typically requires maintaining a higher tier minimum balance (such as $5,000+).
The “best” high-yield savings account depends on what you value: the highest APY, easiest access, a big-name bank, or extra features. Current HYSA rates are unusually competitive, with top accounts around the 4%+ APY range, but rates can change.
You can open a high-yield savings account (HYSA) online in just a few minutes through digital banks, neobanks, credit unions, and wealth management platforms . Because online institutions don't have to fund physical brick-and-mortar branches, they pass those savings on to you by offering interest rates that hover around 4.00% to 4.50% APY —more than 10 times the national average of traditional banks.
📊 Top Places to Open an Account Right Now
The best option depends on whether you want a straightforward account or don't mind meeting certain criteria (like direct deposits) to unlock maximum rates.
As of October 7, 2026, there isn’t one universally “best” HYSA—the highest APY often comes with conditions. Current top accounts are around 4.0–4.5%+, versus roughly 0.38–0.65% for average savings accounts.
Looking for a new high-yield savings account now that interest rates are up. Who has the best APY right now?
4.20%
$0
$0
Marcus by Goldman Sachs
3.50%
$0
$0
Axos ONE Savings
Up to 4.21%
$0
$0
Live Oak's account is particularly straightforward: Bankrate reports 4.00% APY, $0 to open, and no minimum balance. www.bankrate.com Happen Bank offers 4.20%, but its highest rate requires $250 in monthly deposits, so it's not quite as unconditional.
Marcus currently advertises 3.50% APY with no fees and no minimum deposit. www.marcus.com Axos can reach 4.21%, but the higher rate has qualification requirements.
For context, the national average savings rate is only 0.66% APY as of October 3, 2026, so these are substantially above average.
My practical shortlist: If your priority is simply “put any amount in, earn a high rate, and don't worry about maintaining a balance,” I'd look closely at Live Oak and Marcus. If you're willing to meet monthly requirements, Happen and Axos may offer higher yields.
*APYs are variable and can change. Check FDIC insurance and the bank's current terms before opening.
If you tell me roughly how much you plan to keep in savings (e.g. $5k, $25k, $100k), I can compare the accounts by exact annual interest earned, withdrawal/transfer convenience, FDIC coverage, and whether there are any hidden requirements.
Best for: Maximizing headline APY if you plan to stash a larger lump-sum chunk of cash right away.
Ally Bank Savings
APY: Competitive industry-standard rates
Monthly Fees:$0
Access: Stellar. Ally doesn't charge monthly maintenance fees or excessive transaction penalties, and their app features "Savings Buckets" to visually separate your true emergency fund from other short-term goals (like travel or a car).
Best for: User-friendly digital tools and reliable customer service.
Happen Bank LevelUp Savings
APY: 4.0 0% (requires a$2 5 0+ monthly deposit)
Monthly Fees:$0
Access: Unique perk of an attached debit card with unlimited out-of-network ATM fee reimbursements.
Best for: Savers who want physical ATM access directly through their high-yield account.
To help narrow down the ideal choice, let me know:
Do you prefer an all-in-one checking and savings combo , or are you okay keeping them at separate banks?
Approximately how much are you starting your emergency fund with?
For a wedding fund you'll need in the next few months, I'd prioritize FDIC insurance, easy access to your money, no monthly fees, and a competitive savings rate over chasing the absolute highest advertised APY.
The biggest consideration is how much you're saving. Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category. If your wedding fund is larger than that, you'll want to plan your account ownership and deposits carefully so the entire balance, including accrued interest, is protected.
High-yield savings accounts worth comparing
These are good starting points for a short-term wedding fund. Rates are variable, so verify the current APY and account terms before opening an account.
1. Capital One — 360 Performance Savings
(Best all-around starting point)
FDIC-insured · No minimum balance · No monthly fee
A straightforward option for a wedding fund, with no minimum balance requirement and online transfers. Capital One also offers physical locations and cafés. Note that its deposits are combined with Discover Bank deposits for FDIC coverage purposes under the banks' current arrangement.
FDIC-insured · No minimum deposit · No monthly fee
Particularly useful for organizing wedding expenses using savings buckets. Ally lists a 3.00% APY as of September 10, 2026, though the variable rate may change.
No minimum deposit · No fees · Same-day transfers up to $100,000, subject to conditions
Worth comparing if you expect a large balance and may need to move money quickly to pay wedding vendors. Marcus notes that maximum balance limits apply, so confirm that your planned deposit is eligible before opening an account.
4. American Express National Bank — High Yield Savings
FDIC-insured · No minimum opening balance or APY threshold
A simple online savings option if you want to park your funds without maintaining a minimum balance. Check the current rate and transfer timing before committing your wedding money.
The FDIC rules matter more than a small difference in interest rates.
Under $250,000: One eligible account at an FDIC-insured bank may be sufficient, provided you account for other deposits you already have at that bank in the same ownership category.
Over $250,000: Consider spreading the money across separately chartered FDIC-insured banks or using an eligible ownership category with adequate coverage. A joint account can qualify for up to $250,000 per co-owner, subject to FDIC requirements.
Allow room for interest: Keep the balance below your applicable insurance limit so earned interest doesn't push you over it.
Keep it liquid: For money due to vendors soon, a savings account is generally more practical than a CD with an early-withdrawal penalty.
To find the absolute best high-yield savings account (HYSA) for your specific situation, it helps to match your banking style with current market options. Right now, competitive online savings rates generally hover around 4.00% to 4.50% APY , completely crushing the national traditional average.
Top-rated options break down based on what you might prioritize:
CIT Bank — Offers around 4.10% APY with a low $100 minimum opening deposit, making it a solid choice if you want a reliable yield without hoops to jump through.
Happen Bank or Live Oak Bank — Both sit right around 4.00% APY with no minimum deposit requirements and no monthly maintenance fees, great if you're starting small or want hassle-free banking.
Axos Bank — Can push higher yields (up to 4.21% APY), but it requires maintaining specific direct deposits and linking a checking account, ideal if it's going to be your primary everyday digital ecosystem.
Discover or American Express — Excellent choices if you value a long-standing track record, stellar customer service, and an easy-to-use interface over chasing the absolute fractional peak of market interest rates.
No fees, no minimum deposits, and unlimited transfers backed by a household Wall Street name.
Credit Unions
Abound Credit Union
4.25% APY
High rate, but limited to your first $5,000 and requires a credit union membership.
🔎 Key Details to Keep in Mind
Before choosing where to click "Open Account," weigh these potential trade-offs:
Hidden Fees vs. Minimums: While most top HYSAs waive monthly maintenance fees, some require a minimum opening deposit (e.g., $100 for Bread Savings or $5,000 for CIT Bank).
Accessing Your Cash: Online savings accounts typically do not provide debit cards or paper checks. Moving money back to your local bank takes 1 to 3 business days via standard ACH transfer. If immediate cash access matters, pick a hybrid account like Happen Bank or SoFi.
Variable Rates: Savings account APYs are variable, meaning they change based on market environments and Federal Reserve adjustments.
Safety Guardrails: Ensure that whatever institution you pick is federally backed—look for the FDIC Insured logo for banks, or the NCUA Insured logo for credit unions. This protects your deposits up to $250,000 per person, per institution.
🗒 How to Open an Account
Apply Online: Visit the provider's website or download their app.
Provide Documentation: You will need a Social Security Number (SSN), a valid U.S. government-issued ID (like a driver's license), and a physical U.S. address.
Link Your Old Bank: Securely connect your current checking account using your routing and account numbers.
Fund the Account: Make your initial transfer to start earning interest immediately.
To narrow this down, let me know:
Approximately how much cash do you plan to deposit? (Some banks yield more for larger balances, while others have limits)
Are you comfortable shifting your direct deposit to get a higher rate, or do you just want a passive account to leave your money in?
Do you need an ATM card for quick cash withdrawals?
If you’re in the U.S., you can open a high-yield savings account (HYSA) online with an FDIC-insured bank. As of September 2026, competitive accounts are generally around 3–4.5% APY, versus roughly 0.38% for the national average.
A few places worth comparing:
Marcus by Goldman Sachs — about 3.4–3.5% APY; straightforward online savings.
Capital One 360 Performance Savings — about 3.0% APY; useful if you want access to Capital One branches/cafés.
Ally Bank — about 3.0% APY; established online bank with a broad banking platform.
SoFi — up to about 4.0% APY, but the higher rate can depend on meeting account requirements.
CIT Bank — up to about 4.1% APY depending on the account/balance.
EverBank — about 3.9% APY currently.
What I'd look at before opening one: APY, minimum balance, monthly fees, withdrawal/transfer rules, whether the rate is promotional, and FDIC insurance. FDIC coverage is generally $250,000 per depositor, per insured bank, per ownership category.
If you tell me roughly how much you want to deposit (e.g. $5k, $25k, $100k), I can compare the current accounts and calculate approximately how much interest you'd earn per year.
These rates are current as reported this week and can change at any time.
🏆 What I'd choose
For a pure emergency fund:Peak Bank at 4.27% looks strongest right now if you're comfortable with an online-only bank. Bankrate lists a $100 minimum deposit, while NerdWallet highlights its strong APY and app ratings.
For convenience rather than squeezing out the last 0.5%: I'd consider SoFi or Capital One 360. SoFi can reach 4.20%, but its highest rate requires qualifying direct deposits or qualifying deposits, whereas Capital One offers a much lower 3.10% but has the advantage of physical locations.
One important point: don't choose solely based on the headline APY. Check whether the rate is promotional, requires direct deposit, applies only to a certain balance, or requires other conditions. For example, some accounts advertising 5% have significant qualification requirements.
If you tell me roughly how much you're putting in (e.g. $10k, $50k, $100k) and whether you need ATM/branch access, I can compare the 5–10 best accounts and calculate exactly how much interest you'd earn with each.
The best high-yield savings accounts (HYSAs) currently offer annual percentage yields (APYs) ranging between 3.85% and 4.21% , heavily outperforming the national traditional savings average of roughly 0.40% APY . Following the Federal Reserve's recent interest rate hike, top-tier online banking platforms are yielding maximum returns while maintaining full liquidity and standard FDIC protection up to $250,000.
The right account depends on whether you prefer the absolute highest rate, a premium cash bonus, or zero minimum deposit hoops.
📊 Top High-Yield Savings Accounts Compared
Bank Account
Current APY
Minimum Deposit / Fee
Standout Feature
Axos Bank High-Yield Savings
Up to 4.21%
$0 monthly fee / Requirements apply
Highest potential APY when fulfilling monthly direct deposit or balance requirements.
CIT Bank Platinum Savings
4.10%
$100 minimum deposit
Top baseline tier without requiring aggressive checking account linkage.
Live Oak Bank Personal Savings
📈 Visualizing Your Earnings Potential
The math behind shifting your cash out of a brick-and-mortar mega-bank is stark. If you keep $10,000 in savings over a single year, a high-yield account at 4.10% APY nets you $410 in passive interest , compared to a meager $40 at the national average rate.
💡 Core Strategic Tips for Savers
Keep an eye on variable rate shifts: High-yield accounts do not lock in your interest rate like a Certificate of Deposit (CD). While rates are high today due to economic climates, banks can adjust their APYs dynamically at any time.
Watch out for hidden tier requirements: Ultra-high outlier rates (like Axos at 4.21%) typically mandate linked checking activity or massive minimum balance floors to unlock the premium tier. If you want a "set-and-forget" emergency fund, choose a flat-rate bank like Live Oak or CIT.
Prioritize transfer speed: Because online banks lack physical branches, check how quickly you can move money to your primary external checking account. Many fintech partners now provide seamless 1-to-2-day external transfers.
To narrow down the absolute perfect option for your wallet, tell me:
Do you already have a specific deposit amount ready to move?
Are you looking for a purely passive savings account , or do you want a checking/savings combo package?
Do you prioritize getting a one-time cash sign-up bonus , or just the highest ongoing interest rate?
python
# Let's verify savings growth example using Python to ensure exact calculations.
# Compounding example: $10,000 principal at 4.10% APY vs 0.40% APY (national average) over 1 year
p = 10000
r_hysa = 0.0410
r_avg = 0.0040
interest_hysa = p * r_hysa
interest_avg = p * r_avg
print(f"HYSA interest: {interest_hysa}, National Avg interest: {interest_avg}")