High-yield savings, comparedUS high-yield savings accounts, checking-savings combos, and cash management accounts, with rates and terms verified against official pages and dated trackers.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
51 high-yield savings accounts compared; 30 of 48 in the main list were re-read in the last 14 days (newest read Oct 28, 2026). Ranking rule: We sort by the APY we verified on each bank's own page, current prints first. A rate we last checked more than 14 days ago stays listed with its date but never outranks a current one. It is the same order as the live rate table. How we rate
Each pick wins a specific rule, written on its label, and is chosen from the numbers on its own page. They are listed in the order of our ranking, and who pays us has no say in it.
Also: Best savings with checking
4.50% APY on up to a $5,000 average daily balance, paid quarterly; $5 monthly fee unless you get direct deposit
No minimum deposit, $5 monthly fee.
Rate note: 4.50% APY (4.41% interest rate) on up to a $5,000 average daily balance of all savings during the quarter, paid quarterly…
4.40% APY with no minimum balance and no fees (as of 10/21/2026), from Pibank, a brand of Intercredit Bank, N.A.
No minimum deposit and no monthly fee.
Rate note: Pibank's page, read on October 27, 2026, states 4.40% APY with the offer valid as of 10/21/2026. Variable…
3.6% APY on eligible cash for Robinhood Gold members ($5/month, first 30 days free), as of Sept 17, 2026
No minimum deposit, $5 monthly fee.
Rate note: Requires Robinhood Gold ($5/month…
Many of the highest savings APYs carry a balance cap, a deposit habit or a promotional window, and the big-brand online banks pay less: Ally 3.20%, American Express 3.20%, Marcus 3.50%. The FDIC national average savings rate was 0.37% in its September 21, 2026 release. The spread between a good and a mediocre account is real money: each percentage point of APY is about $100 a year per $10,000 saved. Every APY we show carries the date we read it on the bank's own page, because savings rates are variable and change without notice.
| High-yield savings | APY | Min. deposit | Monthly fee | Verified |
|---|---|---|---|---|
| 4.50% | None | $5/mo | Oct 27, 2026 |
| 4.40% | None | None | Oct 27, 2026 |
 | 4.34% | None | None | Oct 21, 2026 |
 | 4.21% | See terms | None | Oct 27, 2026 |
 | 4.20% | None | None | Oct 27, 2026 |
 | 4.20% | None | None | Oct 21, 2026 |
| 4.05% | None | None | Oct 28, 2026 | |
 | 4.00% | None | See terms | Oct 21, 2026 |
| 4.00% | $2,500 | None | Oct 27, 2026 | |
 | 4.00% | $500 | None | Oct 27, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
At 4.40% APY (the highest-ranked account here whose APY applies to a $10,000 balance, Pibank Savings), $10,000 earns about $2,402.31 in 5 years. At the FDIC national savings average of 0.38%, it earns about $191.45.
| Year | Balance at 4.40% APY | Balance at the 0.38% national average |
|---|---|---|
| Today | $10,000.00 | $10,000.00 |
| Year 1 | $10,440.00 | $10,038.00 |
| Year 2 | $10,899.36 | $10,076.14 |
| Year 3 | $11,378.93 | $10,114.43 |
| Year 4 | $11,879.60 | $10,152.87 |
| Year 5 | $12,402.31 | $10,191.45 |
Inputs: $10,000 deposited once, no deposit or withdrawal after, before tax; the APY is assumed to stay the same for 5 years, though savings rates are variable and can change at any time. 4.40% APY read on the provider's own page on Oct 27, 2026: check its balance tiers and terms on its page. National average: FDIC National Rates and Rate Caps, October 19, 2026.
In ranking order. Each one lists the numbers that decide the choice, its main strengths and its main catches.
4.50% APY on up to a $5,000 average daily balance, paid quarterly; $5 monthly fee unless you get direct deposit
Rate note: 4.50% APY (4.41% interest rate) on up to a $5,000 average daily balance of all savings during the quarter, paid quarterly, if the account is in good standing…
GO2bank's Savings Vaults advertise 4.50% APY, but on an average daily balance of up to $5,000, which makes this a starter emergency fund product and an option for cash-heavy users. The honest verdict: a high stated rate on a small balance, with conditions.
Watch out
4.40% APY with no minimum balance and no fees (as of 10/21/2026), from Pibank, a brand of Intercredit Bank, N.A.
Rate note: Pibank's page, read on October 27, 2026, states 4.40% APY with the offer valid as of 10/21/2026. Variable…
Pibank Savings is the online savings account from Pibank, a brand of Intercredit Bank, N.A. in Miami: 4.40% APY with no minimum balance to open or maintain the APY and no fees related to the account.
4.34% APY paid daily on balances up to $500,000; variable rate, no minimum deposit, no monthly fee
Rate note: 4.34% APY (4.25% interest rate), variable and subject to change at any time; Elevault dates the figure 05/05/26. Interest is paid daily on balances up to $500,000…
Elevault pays 4.34% APY on balances up to $500,000, with interest paid daily, but linked accounts are limited to $2,500 a day in deposits and withdrawals.
4.21% APY on balances up to $249,999.99 (3.50% above) with monthly checking requirements met; 1.00% otherwise
Rate note: Savings 4.21% APY on balances up to $249,999.99 and 3.50% above…
Axos ONE pays direct-deposit customers 4.21% APY on balances up to $249,999.99 when the monthly checking requirements are met.
Watch out
4.20% APY on all balances for new accounts, with no monthly fee and no minimum deposit
Rate note: 4.20% APY on all balances for new accounts, accurate as of 10/09/2026 per EverBank. The advertised APY is for new accounts and may not apply to existing accounts…
EverBank Performance Savings is EverBank's savings account for new customers who want one rate on every balance.
Happen Bank (formerly LendingClub) pays 4.20% APY with $250+ in deposits per statement cycle, 3.00% without
Rate note: LevelUp Rate 4.20% APY on the full balance with deposits of $250 or more in the statement cycle…
Happen Bank LevelUp Savings (formerly LendingClub) is a high-yield savings account that pays its headline rate as a reward for a deposit habit rather than for parking a large balance.
4.05% APY money market with no monthly fee, no minimum deposit and no stated transaction limits (as of Oct 10, 2026)
Rate note: 4.05% APY (3.97% interest rate) on all balances per ZYNLO's rate sheet effective October 10, 2026…
What it is: Zynlo Money Market is a money market account from ZYNLO Bank, a division of PeoplesBank in Holyoke, Massachusetts. It is aimed at savers who want money market flexibility without a minimum deposit or a monthly fee.
Savings Pods pay a 4.00% Boost rate on up to $6,000 with a $200+ payroll deposit, 0.25% without
Rate note: 4.00% annual Boost rate (variable; Current calls it a Boost rate…
Current's Savings Pods pay a variable Boost rate on the first $2,000 in each of up to 3 pods, $6,000 in total. The rate is 4.00% annually with a qualifying payroll deposit and 0.25% without, and balances above the cap earn 0.00%.
Watch out
Cambridge Savings Bank's digital brand pays 4.00% APY on balances of $2,500 to $1,000,000, with no monthly fee.
Rate note: Rates effective as of 9/22/26. 4.00% APY on balances of $2,500 up to $1,000,000; balances of $10 to $2,499.99 earn 0.05% APY. Tiered variable rate…
Ivy Bank is the online-only division of Cambridge Savings Bank, a Massachusetts bank that Ivy says has over 192 years of experience. The High-Yield Savings account is its savings product: a straightforward, no-monthly-fee account with a tiered variable rate.
Watch out
4.00% standard variable APY, 4.35% for 6 months for new customers; $500 minimum to open, from Santander's Openbank
Rate note: Standard variable APY is currently 4.00% and can change at any time. New Openbank customers also get a 0.35% APY boost for 6 months from account opening (4.35% in total)…
Openbank is the US digital arm of Santander Bank, N.A., and this is its online high yield savings account. It pairs a variable standard rate with a limited-time boost for new customers, a $500 minimum to open and a thin product lineup.
Watch out
Savings accounts for a US business. They are ranked separately so a business APY never takes a personal emergency-fund pick's place.
Chosen by rule from each card's own numbers, like the personal card picks above.
Also: Highest current APY with no fee or minimum
Axos Business Premium Savings pays 3.50% APY on every tier with no minimum opening deposit and no monthly fee, plus a 0.41% boost for up to six cycles.
No minimum deposit, no monthly fee.
Rate note: 3.50% APY (3.44% rate) on every tier from $0 to $4,999,999.99, accurate as of 10/17/2026 per Axos. A BOOST41 promotion adds 0.41% APY for up to six…
| High-yield savings | APY | Min. deposit | Monthly fee | Verified |
|---|---|---|---|---|
| 3.50% | None | None | Oct 17, 2026 | |
| 3.25% | $100 | None | Oct 25, 2026 | |
| 0.20% | $1,000 | $5/mo | Oct 17, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
38 more high-yield savings accounts we cover ranked below the top 10. We show the facts that matter most for each, and say plainly when one fits a narrower need.
3.90% APY, 0.60 percentage points below the top of this list
No minimum deposit, no monthly fee
3.75% APY, 0.75 percentage points below the top of this list
$5,000 minimum deposit, no monthly fee
3.75% APY, 0.75 percentage points below the top of this list
$100 minimum deposit, no monthly fee
3.75% APY, 0.75 percentage points below the top of this list
No minimum deposit, no monthly fee
3.75% APY, 0.75 percentage points below the top of this list
No minimum deposit, no monthly fee
3.60% APY, 0.90 percentage points below the top of this list
No minimum deposit, $5 monthly fee
3.55% APY, 0.95 percentage points below the top of this list
No minimum deposit, no monthly fee
3.55% APY, 0.95 percentage points below the top of this list
$1 minimum deposit, no monthly fee
3.50% APY, 1.00 percentage points below the top of this list
No monthly fee
3.50% APY, 1.00 percentage points below the top of this list
No minimum deposit, no monthly fee
3.50% APY, 1.00 percentage points below the top of this list
$10 minimum deposit, no monthly fee
3.50% APY, 1.00 percentage points below the top of this list
$1 minimum deposit, no monthly fee
3.50% APY, 1.00 percentage points below the top of this list
No minimum deposit, no monthly fee
3.30% APY, 1.20 percentage points below the top of this list
No minimum deposit, no monthly fee
3.20% APY, 1.30 percentage points below the top of this list
No minimum deposit, no monthly fee
3.20% APY, 1.30 percentage points below the top of this list
No minimum deposit, no monthly fee
3.20% APY, 1.30 percentage points below the top of this list
No minimum deposit, no monthly fee
0.01% APY, 4.49 percentage points below the top of this list
No minimum deposit, $5 monthly fee
0.01% APY, 4.49 percentage points below the top of this list
$50 minimum deposit, $5 monthly fee
0.01% APY, 4.49 percentage points below the top of this list
$25 minimum deposit, $5 monthly fee
4.30% APY, 0.20 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
$1 minimum deposit, no monthly fee
4.25% APY, 0.25 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
4.05% APY, 0.45 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
$100 minimum deposit, no monthly fee
3.85% APY, 0.65 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
3.85% APY, 0.65 percentage points below the top of this list; last verified Oct 1, 2026, older than 14 days
$1 minimum deposit, no monthly fee
3.61% APY, 0.89 percentage points below the top of this list; last verified Aug 11, 2026, older than 14 days
No minimum deposit, no monthly fee
3.50% APY, 1.00 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
3.30% APY, 1.20 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
3.30% APY, 1.20 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
$1,000 minimum deposit, no monthly fee
3.26% APY, 1.24 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
3.20% APY, 1.30 percentage points below the top of this list; last verified Aug 11, 2026, older than 14 days
$100 minimum deposit, no monthly fee
3.15% APY, 1.35 percentage points below the top of this list; last verified Aug 11, 2026, older than 14 days
No monthly fee
3.00% APY, 1.50 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
2.80% APY, 1.70 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
$0.01 minimum deposit, no monthly fee
1.96% APY, 2.54 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
No minimum deposit, no monthly fee
0.04% APY, 4.46 percentage points below the top of this list; last verified Oct 14, 2026, older than 14 days
$100 minimum deposit, $8 monthly fee
No APY on file yet, so it cannot be ranked
No minimum deposit, $4.50 monthly fee
No APY on file yet, so it cannot be ranked
$100 minimum deposit, $5 monthly fee
Rate-chasing is a trap if it costs you FDIC clarity or usable access. Check these five things in order.
A bank charter with direct FDIC coverage ($250k per depositor) is the clean case. Fintech accounts (Wealthfront, Elevault, Current) pass deposits through partner banks: coverage can be much higher via sweep networks, or limited to a single program bank. Know which one you are buying before the rate.
The rates we read with no deposit habit and no balance floor include Elevault (4.34%, on balances up to $500,000), Pibank (4.40%), EverBank (4.20%, for new accounts), Bread Savings (4.05%) and Forbright (3.85%). Many other high rates carry a catch: a balance cap (GO2bank's 4.50% applies to an average daily balance of up to $5,000), a direct-deposit requirement (Axos ONE, 4.21%; SoFi, 3.30%), a monthly deposit habit (Happen Bank LevelUp, 4.20%, needs a deposit of $250 or more in the statement cycle, otherwise 3.00%), or a balance floor (CIT's 3.75% needs $5,000; under that it pays 0.25%).
Savings APYs are variable and can change at any time, and several banks advertise their best rate to new accounts only: EverBank's rate is stated for new accounts, and Openbank adds a 0.35% boost for the first 6 months to new customers. Each product page lists the changes we have confirmed under "Recent changes to these figures", so look at how often a bank moves its rate before you rely on the headline.
Access is part of the price. If you want checking, a debit card or buckets in the same app, the full-service digital banks (Ally, 3.20%; SoFi, 3.30% with eligible direct deposit and 0.80% without) trade some rate for it, while savings-only accounts such as Pibank (4.40%) and Forbright (3.85%) list higher figures. Check each product page for transfer times and card access before you decide what the gap is worth.
Promotional rates and cash bonuses apply to new customers and expire: E*TRADE's boosted rate runs for 6 months on accounts opened September 22, 2026 to January 10, 2027, and Openbank's 0.35% boost lasts 6 months. Compute the twelve-month blended yield including the bonus before moving, and compare it with the plain rate of a no-catch account.
Axos Bank Business Premium Savings lists 3.50% with no monthly fee and no opening minimum. Grasshopper Bank Innovator Savings lists 3.25% from $25,000 and 1.55% below. Axos Bank Business Savings lists 0.20%. They are ranked in the business section of this table and on /best/business-bank-accounts, so a business APY never takes a personal emergency-fund pick's place.
Products that do one thing unusually well, with the catch we would want to know before applying.
3.55% base APY with free instant withdrawals to eligible accounts, and deposits swept to up to 32 program banks for up to $8M of FDIC coverage ($16M joint). It is not itself a bank, which is the one thing to understand before parking serious money. New clients get a boost for 3 months; the base rate is what you keep.
Read the review4.20% on the whole balance in any statement cycle with deposits of $250 or more, otherwise the standard rate of 3.00%. The account was LendingClub's and is now Happen Bank LevelUp Savings. Forget one cycle and you earn the lower rate, so automate the deposit.
Read the review4.05% variable, a single APY from $100 up to $1 million, with no monthly fee. No balance tiers and no deposit habit to track, which makes it easy to compare with the rest of this list.
Read the review3.50% on every tier, no monthly fee, no opening minimum. A business account, ranked in the business section so it does not take a personal pick's place.
Read the review3.25% from $25,000 and 1.55% below, $100 to open, no monthly fee. A business account. Read the tier that matches the balance you will actually hold.
Read the reviewWe sort by the APY we verified on each bank's own page, current prints first. A rate we last checked more than 14 days ago stays listed with its date but never outranks a current one. It is the same order as the live rate table.
Providers cannot pay to change this order: a list sorted by rate never includes a paid placement.
Every APY is read off the bank's own rate page and carries the date we checked it.
Monthly fees and minimum deposits come from the account disclosure. A high APY that needs a $1,000 minimum or costs $5 a month is shown with both.
Balance caps, direct deposit requirements and promotional windows are noted on each product page so a conditional rate is never passed off as the base rate.
FDIC coverage, or the partner-bank structure behind it, is on each account's page.
Checked in the last 14 days
Date of the newest issuer-page stamp
GO2bank Savings Vaults pays the highest APY among the rates we re-checked in the last 14 days, 4.50% as of Oct 27, 2026, though it charges a $5 monthly fee. Its rate comes with conditions, such as a balance cap or a deposit requirement, written on its page. With no fee and no minimum, the highest is Pibank Savings at 4.40%. Next on the list: Elevault High-Yield Savings, Axos ONE and EverBank Performance Savings. APYs are variable and can change at any time, so confirm the rate on the bank's own page before you open an account.
At 4.40% APY (Pibank Savings, no fee and no minimum), $10,000 earns about $440 over a year if the rate holds. At the 0.38% FDIC national savings average (October 19, 2026), the same balance earns about $38. Rates are variable and some accounts cap the balance that earns the top rate, so treat this as an illustration, not a promise.
Yes. 23 of the 48 accounts we list charge no monthly fee and ask for no minimum deposit. The highest APY among them is Pibank Savings at 4.40%, verified Oct 27, 2026.
Most accounts here sit at FDIC-insured banks, which covers up to $250,000 per depositor, per bank, per ownership category. Some products, mostly brokerage cash management accounts, spread your money across partner banks instead, and a few hold it in funds that are not FDIC insured. The coverage we found is listed on each product page.
We sort by the APY we verified on each bank's own page, current prints first. A rate we last checked more than 14 days ago stays listed with its date but never outranks a current one. It is the same order as the live rate table.
Business savings is compared in its own section below this list (3 accounts), so it does not compete with a personal emergency-fund pick.
Best High-Yield Savings Accounts was last updated in October 2026 and uses rates and fees we verified against each provider's own page. Spot something out of date? Tell us.
