Forbright Growth Savings Logo
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About Forbright Growth Savings
Forbright Growth Savings is the current mainstream APY leader: the highest widely available uncapped rate from a conventional bank, with only a low $1,000 hurdle. The honest verdict: the best headline rate you can actually get right now, with the caveat that it is labeled promotional. The account pays a promotional 4.15% APY with a $1,000 minimum balance as of July 17, 2026 (NerdWallet ranks it the #1 rate); below $1,000 the standard rate is 3.85%. There is no minimum deposit to open and no monthly fee, and interest compounds daily. Deposits are held directly at Forbright Bank, Member FDIC, insured to $250,000 per depositor. The bank runs a climate-focused lending mission centered on decarbonization. The catches: the promotional label means the rate can drop to 3.85% at any time, Forbright is a savings-only shop with no ATM or checking, and the brand has less recognition than the majors.
See full Forbright Growth Savings review on Financeradar