Best High-Yield Savings Account Rates 2026
The top US high-yield savings accounts by APY, with minimum balance requirements, fees, and what makes each account distinctive.
Current US high-yield savings account rates
Typical range across leading online high-yield savings accounts. Rates change frequently — verify the current rate at the institution before opening an account.
See top banks →Current rates at these banks may fall outside the range shown above — verify at the institution.
- · Direct deposit bonus eligible
- · FDIC insured via partner banks
- · No monthly fee
- · Same-day transfers (limits apply)
- · No minimum balance
- · No monthly fee
- · No minimum balance
- · Telephone customer service
- · No monthly fee
These are widely-recognized banks offering high-yield savings accounts. APYCalculator does not earn commissions on links from this site and is not affiliated with any of these institutions.
How we choose accounts
We list FDIC-insured online savings accounts available to US residents nationwide. Rates shown are verified directly with each issuing institution as of the date at the top of the comparison table. We refresh rates at minimum monthly; major rate moves (Fed decisions, market shifts) trigger same-week updates.
Inclusion in this comparison reflects our editorial judgment of value for typical savers, not the size of any commission. We disclose affiliate relationships transparently — the "Sponsored" label and FTC disclosure on the comparison table are not optional, and they're present whether or not we'd earn anything from a particular click.
What "APY" means in this comparison
APY (Annual Percentage Yield) is the actual yearly return on your savings, including the effect of compound interest. All US savings products advertise APY (not APR) for consumer savings, so the numbers above are directly comparable. To project how a specific APY will grow your savings, use our APY calculator.
What to check before opening an account
- FDIC insurance. All accounts in the table are FDIC-insured up to $250,000 per depositor. For balances above that, consider Wealthfront's cash account, which spreads deposits across partner banks for higher coverage.
- Rate stability. APY is variable on most savings accounts and can change at any time. Read the bank's rate change history if available.
- Transfer speeds. Some online banks take 3-5 business days for ACH transfers; others offer same-day or instant transfers. Important if you're moving money for an emergency or large purchase.
- Fees. The accounts listed have no monthly fees, but watch for wire transfer fees, paper statement fees, and out-of-network ATM fees.
- Minimum balance. Some accounts require a minimum to earn the advertised APY. The table shows the minimum to open.
- FDIC National Rates and Rate Caps — www.fdic.gov
- Federal Reserve H.15 Selected Interest Rates — www.federalreserve.gov