Best High-Yield Savings Account Rates
Compare 16 FDIC-insured savings accounts. All accounts listed have no monthly fees and are available nationwide.
Last updated: February 24, 2026
| Bank | APY | Min. Deposit | Monthly Fee | Notes | |
|---|---|---|---|---|---|
#1Betterment | 4.40% | $0 | $0 | Visit → | |
Vio Bank | 4.03% | $0 | $0 | Visit → | |
Marcus by Goldman Sachs | 4.00% | $0 | $0 | Visit → | |
American Express | 4.00% | $0 | $0 | Visit → | |
SoFi | 4.00% | $0 | $0 | Visit → | |
LendingClub Bank | 4.00% | $0 | $0 | Visit → | |
Bread Savings | 4.00% | $0 | $0 | Visit → | |
Popular Direct | 4.00% | $0 | $0 | Visit → | |
Bask Bank | 4.00% | $0 | $0 | Visit → | |
Wealthfront | 3.95% | $0 | $0 | Visit → | |
Capital One 360 | 3.85% | $0 | $0 | Visit → | |
Barclays US | 3.85% | $0 | $0 | Visit → | |
CIT Bank | 3.65% | $0 | $0 | Visit → | |
Laurel Road | 3.50% | $0 | $0 | Visit → | |
UFB Direct | 3.46% | $0 | $0 | Visit → | |
BMO Alto | 3.15% | $0 | $0 | Visit → |
Frequently Asked Questions
What is a high-yield savings account?
A high-yield savings account (HYSA) is a savings account that pays a significantly higher interest rate than traditional savings accounts. Most HYSAs are offered by online banks, which have lower overhead costs and can pass those savings to customers in the form of higher APYs.
Are high-yield savings accounts safe?
Yes, all HYSAs listed on SafetyYield are FDIC-insured up to $250,000 per depositor, per bank. This means your money is protected by the U.S. government even if the bank fails.
What is the best HYSA rate right now?
The highest HYSA rate we track is currently 4.40% APY. Rates change frequently, so check back weekly for the latest rates.
How often do HYSA rates change?
HYSA rates can change at any time based on the Federal Reserve's interest rate decisions and competitive pressures. Most banks adjust rates monthly or quarterly.