LearnVaultsAPI

    DeFi yields vs U.S. bank savings rates

    DeFi yields vs bank savings

    Average savings rates in the U.S. and the eurozone sit near zero. Below, the same dollars (or euros) compared against the best high-yield savings accounts on each side of the Atlantic and a few of the safest DeFi vaults we track (30-day average APY). Our top low-risk vault currently earns roughly 25× the U.S. national average.

    U.S. savings accounts

    National average vs the best high-yield savings account

    U.S. national average
    0.39%
    FDIC average savings rate
    Varo Bank
    5.00%
    best U.S. high-yield savings account · on balances ≤ $5,000

    European savings accounts (EUR)

    Eurozone average vs the best EUR high-yield savings account

    Eurozone average
    0.26%
    ECB overnight household deposit rate
    Trade Republic
    3.00%
    best EUR high-yield savings account · €100k deposit-guaranteed

    DeFi vaults

    30-day average APY

    Yield-bearing vaults we track, by risk tier

    Low risk vaults

    Aave USDC
    9.92%
    Aave USDT
    2.72%
    Aave Dai
    2.51%
    Liquity V2 ETH Stability Pool
    2.87%
    ETH-denominated

    Medium risk vaults

    Morpho Steakhouse Prime USDC
    4.32%
    Morpho Gauntlet USDC Prime
    4.33%

    DeFi APYs are the 30-day moving average for each vault (click a name for the full report). U.S. bank rates from Fortune / FDIC; euro-area rates from the ECB and Trade Republic. DeFi yields are variable and not FDIC/deposit-guarantee insured; the Liquity pool is ETH-denominated. Updated June 2026.