Rates today, datedHigh-yield savings rates today
As of October 14, 2026, the Marcus 18 months CD at 4.4% APY pays 90 basis points more than Marcus Online Savings at 3.5% APY (savings stamp October 14, 2026). Take the CD if you can lock the money for 18 months. Take the savings account if you need same-day access. Stale rows stay listed with their real stamp.
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Last issuer-page stamp in this table: October 28, 2026
Verified in the last 14 days
Current prints, highest APY first.
| Product | APY | Fee | Minimum | Verified |
|---|---|---|---|---|
| GO2bank Savings Vaults | 4.50% | $5/mo | None | October 27, 2026 |
| Pibank Savings | 4.40% | No monthly fee | None | October 27, 2026 |
| Elevault High-Yield Savings | 4.34% | No monthly fee | None | October 21, 2026 |
| Axos ONE | 4.21% | No monthly fee | - | October 27, 2026 |
| EverBank Performance Savings | 4.20% | No monthly fee | None | October 27, 2026 |
| Happen Bank LevelUp Savings (formerly LendingClub) | 4.20% | No monthly fee | None | October 21, 2026 |
| Zynlo Money Market | 4.05% | No monthly fee | None | October 28, 2026 |
| Current Savings Pods | 4.00% | FDIC: see page | None | October 21, 2026 |
| Ivy Bank High-Yield Savings | 4.00% | No monthly fee | $2,500 | October 27, 2026 |
| Openbank High Yield Savings | 4.00% | No monthly fee | $500 | October 27, 2026 |
| Bask Interest Savings | 3.90% | No monthly fee | None | October 28, 2026 |
| BrioDirect High-Yield Savings | 3.75% | No monthly fee | $5,000 | October 28, 2026 |
| CIT Bank Platinum Savings | 3.75% | No monthly fee | $100 | October 28, 2026 |
| E*TRADE Premium Savings | 3.75% | No monthly fee | None | October 27, 2026 |
| Varo Savings | 3.75% | No monthly fee | None | October 28, 2026 |
| Robinhood Gold Cash Sweep | 3.60% | $5/mo | None | October 27, 2026 |
| Synchrony High Yield Savings | 3.55% | No monthly fee | None | October 21, 2026 |
| Wealthfront Cash Account | 3.55% | No monthly fee | $1 | October 28, 2026 |
| Apple Card Savings account | 3.50% | No monthly fee | - | October 27, 2026 |
| Axos Bank Business Premium Savings | 3.50% | No monthly fee | None | October 17, 2026 |
| Barclays Tiered Savings | 3.50% | No monthly fee | None | October 22, 2026 |
| Betterment Cash Reserve | 3.50% | No monthly fee | $10 | October 28, 2026 |
| Cash App Savings | 3.50% | No monthly fee | $1 | October 22, 2026 |
| Vanguard Cash Plus | 3.50% | No monthly fee | None | October 27, 2026 |
| Upgrade Premier Savings | 3.30% | No monthly fee | None | October 28, 2026 |
| Grasshopper Bank Innovator Savings | 3.25% | No monthly fee | $100 | October 25, 2026 |
| Ally Online Savings | 3.20% | No monthly fee | None | October 27, 2026 |
| American Express High Yield Savings | 3.20% | No monthly fee | None | October 27, 2026 |
| Capital One 360 Performance Savings | 3.20% | No monthly fee | None | October 27, 2026 |
| Axos Bank Business Savings | 0.20% | $5/mo | $1,000 | October 17, 2026 |
| Chase Savings | 0.01% | $5/mo | None | October 22, 2026 |
| Truist One Savings | 0.01% | $5/mo | $50 | October 22, 2026 |
| Wells Fargo Way2Save Savings | 0.01% | $5/mo | $25 | October 22, 2026 |
Older prints, still listed
These APYs are the last issuer-page check, not a claim they still hold today.
| Product | APY | Fee | Minimum | Verified |
|---|---|---|---|---|
| Raisin | 4.30% | No monthly fee | $1 | October 14, 2026older than 14 days |
| Poppy Bank Premier Online Savings | 4.25% | No monthly fee | None | October 14, 2026older than 14 days |
| Bread Savings High-Yield Savings Account | 4.05% | No monthly fee | $100 | October 14, 2026older than 14 days |
| Forbright Growth Savings | 3.85% | No monthly fee | None | October 14, 2026older than 14 days |
| Primis Savings Account | 3.85% | No monthly fee | $1 | October 1, 2026older than 14 days |
| TAB Save High Yield Savings | 3.61% | No monthly fee | None | August 11, 2026older than 14 days |
| Marcus Online Savings | 3.50% | No monthly fee | None | October 14, 2026older than 14 days |
| SoFi Checking & Savings | 3.30% | No monthly fee | None | October 14, 2026older than 14 days |
| Valley Direct High Yield Savings Account | 3.30% | No monthly fee | $1,000 | October 14, 2026older than 14 days |
| UFB Portfolio Savings | 3.26% | No monthly fee | None | October 14, 2026older than 14 days |
| Quontic Bank High Yield Savings | 3.20% | No monthly fee | $100 | August 11, 2026older than 14 days |
| PNC High Yield Savings | 3.15% | No monthly fee | - | August 11, 2026older than 14 days |
| BMO Alto Online Savings Account | 3.00% | No monthly fee | None | October 14, 2026older than 14 days |
| Citizens Access Savings | 2.80% | No monthly fee | $0.01 | October 14, 2026older than 14 days |
| Fidelity Cash Management Account | 1.96% | No monthly fee | None | October 14, 2026older than 14 days |
| Chime Savings | 1.00% | No monthly fee | None | October 14, 2026older than 14 days |
| Bank of America Advantage Savings | 0.04% | $8/mo | $100 | October 14, 2026older than 14 days |
Prefer a short list? See our ranked picks, with the best choice for each need.
Frequently asked questions
What is the best high-yield savings account right now?
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.
How much would $10,000 earn in a high-yield savings 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.
Are there high-yield savings accounts with no fees and no minimum?
Yes. 24 of the 49 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.
Are these accounts FDIC insured?
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.
How do you rank savings accounts?
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.
Are business savings accounts included?
Business savings is compared in its own section below this list (3 accounts), so it does not compete with a personal emergency-fund pick.