Live savings offers from our tracked data, ranked by net dollars per day after opportunity cost. Each offer shows its verification level and last-verified date.
Not financial advice. Some links may earn us a commission. Rankings are math-only and never paid. Every offer links its source and shows when we last checked it.
2 offers · sorted by net $/day · checked Nov 4, 2026
The 4.00% APY was read on Live Oak's page; the $300 bonus and its terms are only on Doctor of Credit so far. Savings has no debit card or checks; incoming portal ACH held 5 business days.
Expires: No end date. Not published.
Cash parked $20,000 · Opportunity cost vs 4.00% savings $0 · Net $300 · Bonus as APY 6.08%
Also see: https://www.liveoakbank.com/personal-savings/ (APY 4.00% confirmed; bonus not shown there)
$200 plus 4.25% APY for 6 months (promo code SAVE200)
—net / day
Ends in 26 daysEffort not verified
No direct deposit.
Qualifying-deposit amount not confirmed: E*TRADE's banner says 'qualifying deposits' without the figure in the text we read. The older $400-$800 tiers listed by aggregators were not on E*TRADE's site on 2026-11-04.
Two aggregators disagree on details (DoC: 4% APY; NerdWallet: 4.25% for 6 months). The E*TRADE savings URL we tried returned 404. Re-verify before featuring.
Expires: Nov 30, 2026. E*TRADE's site banner (read 2026-11-04): open and fund a new Premium Savings Account with qualifying deposits by November 30, 2026. Terms apply.
Cash parked — · Opportunity cost vs 4.00% savings — · Net —
Also see: https://us.etrade.com/bank/premium-savings-account