Find where your money earns more.
Compare Annual Percentage Yield (APY) across cash and crypto.
Avg HYSA
4.39%
12 FDIC banks
Treasury 1-yr
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T-Bill auction
ETH Staking
—
Lido stETH
SOL Staking
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Jito jitoSOL
Final Balance
$15.1K
Total Return
+50.6%
Starting
$10.0K
Interest Earned
$5.1K
Projected Balance
$15.1K
Your money has places to be. Preferably places that pay.
US Treasury T-Bill Yields
Loading…4-Week
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T-Bill
3-Month
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T-Bill
6-Month
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T-Bill
1-Year
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T-Bill
FDIC High-Yield Savings Accounts
Manually verified · Updated weekly · No API available for bank rates| Bank | APY | Type | Min Deposit | Lockup | Protection | Fees | Best For |
|---|---|---|---|---|---|---|---|
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DeFi & Staking Yields
Loading…Lido stETH — 12-Month APY History
via DeFiLlama /chart| Protocol | APY | Category | TVL | Risk | Action |
|---|---|---|---|---|---|
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Data from DeFiLlama yields.llama.fi/pools · Refreshes every 5 minutes
⚠ DeFi yields carry smart contract risk. Not FDIC insured. APY is variable and may change rapidly.
Common questions
What's the difference between APR and APY?
APR is the raw annual rate. APY factors in compounding — it's the number that tells you what you actually earn over a year.
Are DeFi yields safe?
No. DeFi carries smart contract risk and is not FDIC insured. Higher APY reflects higher risk. We label each protocol's risk level clearly.
Where does the data come from?
DeFi rates: DeFiLlama (live, every 5 min). Treasury rates: US Treasury Direct (live, via proxy). Bank rates: manually researched, updated weekly — no free public API exists for retail bank product rates.
How often do bank rates change?
Banks adjust savings rates within days of a Federal Reserve meeting. We update this table manually each week.
EarnAPYon is a free rate comparison tool. We are not a bank, broker, or financial advisor. Rates shown are for informational purposes only and may not reflect current offers. DeFi yields sourced from DeFiLlama. Treasury yields from US Treasury Direct. Bank rates manually researched. Not financial advice.