Financeradar Data
High-Yield Savings Accounts Statistics 2026
Data on high-yield savings accounts, computed from the Financeradar catalog. Every rate and fee is verified by Financeradar against each provider's own published rate or disclosure. Each figure carries the date it was read; the page itself does not certify anything newer than the newest of those dates.
3.21%
Average APY across the 50 high-yield savings accounts with a published APY (of 52 tracked).
Figures were read between July 23, 2026 and October 22, 2026 (median age 7 days).
Average of the 50 high-yield savings accounts with a published APY (of 52 tracked), read between Aug 11, 2026 and Oct 22, 2026, median age 7 days. It is not a national index. It depends on which accounts are in the catalog, so it can move when accounts are added or removed even if no rate changes; averages quoted in older articles and reports describe the accounts tracked on their own dates.
Computed October 25, 2026 from the catalog; newest figure read October 22, 2026. Edited by Louis Corneloup.
Key findings
- The average APY across the 50 high-yield savings accounts with a published APY (of 52 tracked) is 3.21%, from figures read between Aug 11, 2026 and Oct 22, 2026.
- 42 of the 51 high-yield savings accounts with a published monthly fee (82%) charge no monthly maintenance fee.
- 30 of the 49 high-yield savings accounts with a published minimum (61%) can be opened with no minimum deposit.
- 52 of the 52 high-yield savings accounts tracked (100%) state FDIC insurance on their own pages.
- GO2bank Savings Vaults has the highest APY on file, 4.50% (read on October 21, 2026).
verified by Financeradar against each provider's own published rate or disclosure Sample: 50 of 52 high-yield savings accounts tracked.
Headline numbers
Average APY across the 50 high-yield savings accounts with a published APY (of 52 tracked)
Source: Financeradar high-yield savings accounts data, 50 of 52 with a published APY, range 0.01% to 4.50%, read between Aug 11, 2026 and Oct 22, 2026, median age 7 days
High-Yield Savings Accounts tracked in the Financeradar catalog
Source: Financeradar catalog, published status
Share of high-yield savings accounts with no monthly maintenance fee
Source: Financeradar fee data, 42 of 51 high-yield savings accounts
Share of high-yield savings accounts you can open with no minimum deposit
Source: Financeradar minimum-deposit data, 30 of 49 high-yield savings accounts
Share of high-yield savings accounts that state FDIC insurance
Source: Financeradar deposit-insurance data, 52 of 52 high-yield savings accounts
| Metric | Value | Sample and source |
|---|---|---|
| Average APY across the 50 high-yield savings accounts with a published APY (of 52 tracked) | 3.21% | Source: Financeradar high-yield savings accounts data, 50 of 52 with a published APY, range 0.01% to 4.50%, read between Aug 11, 2026 and Oct 22, 2026, median age 7 days |
| Share of high-yield savings accounts with no monthly maintenance fee | 82% | Source: Financeradar fee data, 42 of 51 high-yield savings accounts |
| Share of high-yield savings accounts you can open with no minimum deposit | 61% | Source: Financeradar minimum-deposit data, 30 of 49 high-yield savings accounts |
| Share of high-yield savings accounts that state FDIC insurance | 100% | Source: Financeradar deposit-insurance data, 52 of 52 high-yield savings accounts |
Highest APY on file: high-yield savings accounts
The 5 high-yield savings accounts with the highest APY in the catalog. Each row shows the date its own figure was read; an older reading can be out of date, check the provider's page.
Explore high-yield savings accounts
Methodology and sources
Every figure is computed live from the Financeradar catalog, published high-yield savings accounts only. Each rate and fee is verified by Financeradar against each provider's own published rate or disclosure and date-stamped (the "as of" date shown above). Averages, ranges and shares are taken across the products that carry a published figure for that field, and the sample size is stated next to each number. Nothing here is financial advice. See how we rate.