Best Savings Rates for April 2026
Compare the best high-yield savings accounts, CD rates, and Treasury bond yields for April 2026. All rates are verified from official sources.
Last updated: April 4, 2026
Top High-Yield Savings Accounts
| Bank | APY | Min. Deposit | Monthly Fee | |
|---|---|---|---|---|
BestSoFi | 4.50% | $0 | None | Visit → |
Betterment | 4.40% | $0 | None | Visit → |
Wealthfront | 4.20% | $0 | None | Visit → |
Popular Direct | 4.10% | $0 | None | Visit → |
Vio Bank | 4.03% | $0 | None | Visit → |
Marcus by Goldman Sachs | 4.00% | $0 | None | Visit → |
American Express | 4.00% | $0 | None | Visit → |
LendingClub Bank | 4.00% | $0 | None | Visit → |
Bread Savings | 4.00% | $0 | None | Visit → |
Bask Bank | 4.00% | $0 | None | Visit → |
Best CD Rates by Term
3 months
4.00%
Brilliant Bank
6 months
4.20%
United Fidelity Bank, fsb
1 year
4.23%
GECU
14 months
4.11%
Langley Federal Credit Union
18 months
4.10%
USALLIANCE Financial
2 years
4.20%
Mountain America Credit Union
3 years
4.10%
United Fidelity Bank, fsb
4 years
4.10%
CoVantage Credit Union
5 years
4.15%
United Fidelity Bank, fsb
Treasury Securities
I-Bonds (Composite)
4.03%
Fixed: 0.9%
EE Bonds
2.5%
Doubles in 20 years
T-Bills (52-week)
3.72%
Latest auction
Frequently Asked Questions
What is the best savings rate in April 2026?
The best HYSA rate in April 2026 is 4.50% from SoFi. Rates are verified and updated regularly.
Should I choose a HYSA or a CD?
A HYSA offers flexibility to withdraw anytime, while CDs lock in a rate for a fixed term. Choose a HYSA for emergency funds and liquidity. Choose a CD if you can commit to a term and want a guaranteed rate.
How often do savings rates change?
HYSA rates can change at any time since they are variable. CD rates are fixed once you open the account. Rates tend to follow Federal Reserve interest rate decisions.