Find a High-Yield Savings Account That Fits Your Balance
Find Your Perfect Savings Account
Ordered by highest APY. Filter 93 HYSAs by balance, minimum deposit & balances, mobile app ratings, branch access, and more to find the right account.
Rates verified: Tuesday, January 6, 2026
| # | Bank & Rate | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | Varo Bank High-Yield Savings Account Up to5.00%APY APY Range: 2.50% - 5.00% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Direct Deposit ReqChecking Bundle Features No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #2 | Fitness Bank Fitness Elite Checking & Fitness Savings Combo 4.75%APY Min. balance: $100 Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Checking Bundle Features Low Minimums | $100 | |
| #3 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #4 | GO2bank High Yield Savings Up to4.50%APY APY Range: 0.00% - 4.50% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App | $0 | |
| #5 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low Minimums | $100 | |
| #6 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low Minimums | $1,000 | |
| #7 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0.01 | |
| #8 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App | $0 | |
| #9 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat Android AppIn-Person Access | $0 | |
| #10 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $50 | |
| #11 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low Minimums | $500 | |
| #12 | Ivy Bank High-Yield Savings Account Up to4.10%APY APY Range: 0.05% - 4.10% Min. balance: $2,500 Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS App | $2,500 | |
| #13 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $100 | |
| #14 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires High Minimum Features Great iOS AppGreat Android AppIn-Person AccessZelle® Supported | $20,000 | |
| #15 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android App | $100 | |
| #16 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires High Minimum Features Great iOS App | $50,000 | |
| #17 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #18 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $500 | |
| #19 | Barclays Tiered Savings Up to4.00%APY APY Range: 3.85% - 4.00% Min. balance: $250,000 Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires High Minimum Features Great iOS AppGreat Android App | $0 | |
| #20 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppGreat Android AppZelle® Supported | $5,000 | |
| #21 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $1 | |
| #22 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #23 | LendingClub LevelUp Savings Up to4.00%APY APY Range: 3.00% - 4.00% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #24 | SoFi Bank SoFi Savings Up to4.00%APY APY Range: 3.30% - 4.00% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Checking Bundle Features No MinimumsGreat iOS AppZelle® Supported | $0 | |
| #25 | Valley Direct High-Yield Savings Account Up to4.00%APY APY Range: 3.40% - 4.00% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $1,000 | |
| #26 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android App | $100 | |
| #27 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #28 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low Minimums | $100 | |
| #29 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #30 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS App | $0 | |
| #31 | Wealthfront Cash Account Up to3.90%APY APY Range: 3.25% - 3.90% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #32 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsZelle® Supported | $500 | |
| #33 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires High Minimum Features Great iOS AppGreat Android AppZelle® Supported | $25,000 | |
| #34 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppZelle® Supported | $500 | |
| #35 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $1 | |
| #36 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS App | $10 | |
| #37 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #38 | High Plains Bank High Yield Savings Account Up to3.82%APY APY Range: 0.23% - 3.82% Min. balance: $500,000 Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires High Minimum Features Great iOS AppGreat Android AppIn-Person AccessZelle® Supported | $25 | |
| #39 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No Minimums | $0 | |
| #40 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android App | $0 | |
| #41 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppZelle® Supported | $0 | |
| #42 | Show Details ▼ | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppGreat Android AppZelle® Supported | $5,000 | |
| #43 | CIT Bank Platinum Savings Up to3.75%APY APY Range: 0.25% - 3.75% Min. balance: $5,000 Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features Great iOS AppGreat Android AppZelle® Supported | $100 | |
| #44 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $1,000 | |
| #45 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppZelle® Supported | $1,000 | |
| #46 | Presidential Bank Advantage Savings Up to3.75%APY APY Range: 3.25% - 3.75% No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredRequires Mod. MinimumDirect Deposit ReqChecking Bundle Features Great iOS AppGreat Android AppIn-Person AccessZelle® Supported | $5,000 | |
| #47 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppIn-Person Access | $0 | |
| #48 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $1,000 | |
| #49 | CIBC Bank USA Agility™ High-Interest Savings Account 3.66%APY No min. balance for APY Verified: Jan 6, 2026 Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppZelle® Supported | $1,000 | |
| #50 | Show Details ▼ | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppZelle® Supported | $100 |
Varo Bank
High-Yield Savings Account
What to Watch
Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required.
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Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
What to Watch
This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.
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Pibank
Pibank Savings
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GO2bank
High Yield Savings
What to Watch
A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.
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Fitness Bank
Fitness Savings Account
What to Watch
This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers.
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TIMBR
Premium Savings Account
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Newtek Bank
Personal High Yield Savings
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Axos Bank
Axos ONE
What to Watch
The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.
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Neighbors Bank
Neighbors Savings Account
What to Watch
Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.
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Climate First Bank
Super Duper Savings Account
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Openbank
High-Yield Savings Account
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Ivy Bank
High-Yield Savings Account
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Vio Bank
Online Savings Account
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MutualOne Bank
Mo Premium Savings
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Bread Savings
High-Yield Savings Account
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Colorado Federal Savings Bank
Premier Savings
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Jenius Bank
Jenius Savings
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My Banking Direct
High Yield Savings Account
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Barclays
Tiered Savings
What to Watch
The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.
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Carver Bank
High Yield Savings
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Colorado Federal Savings Bank
High Yield Savings
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Forbright Bank
Growth Savings
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LendingClub
LevelUp Savings
What to Watch
The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies.
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SoFi Bank
SoFi Savings
What to Watch
Limited offer: The 4.00% includes a temporary 0.70% APY boost for 6 months. It is available with a direct deposit of regular income, or a $10/month subscription. See terms at SoFi Bank. The savings account comes bundled with a checking account with a 0.50% APY.
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Valley Direct
High-Yield Savings Account
What to Watch
Promo rate for new customers. 3.40% APY applies to existing customers.
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Peak Bank
Envision High Yield Savings
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EverBank
Performance Savings
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Popular Direct
Popular Direct Select Savings
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Sallie Mae Bank
High-Yield Savings Account
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SmartyPig
SmartyPig Account
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Wealthfront
Cash Account
What to Watch
Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront.
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Western Alliance Bank
High-Yield Savings Premier
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Bank5 Connect
Jumbo Savings
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FVCbank
Advantage Direct Savings
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Primis Bank
Primis Savings Account
What to Watch
Primis deposit accounts are not available in Puerto Rico or other US territories.
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Zynlo Bank
Tomorrow Savings Account
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Elevault
High Yield Savings Account
What to Watch
The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.
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High Plains Bank
High Yield Savings Account
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Live Oak Bank
Personal Savings
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Axos Bank
Summit Savings
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Bask Bank
Interest Savings Account
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BrioDirect
High-Yield Savings Account
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CIT Bank
Platinum Savings
What to Watch
This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.
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First Foundation Bank
Online Savings
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Poppy Bank
Poppy Premier Online Savings
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Presidential Bank
Advantage Savings
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Prime Alliance Bank
Personal Savings
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Rising Bank
High-Yield Savings Account
What to Watch
Interest is calculated daily based on your deposit balance and credited monthly. However, since the account does not offer compounding, you only earn interest (3.75% APY) on the original deposit and not on any previously earned interest.
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CIBC Bank USA
Agility™ High-Interest Savings Account
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CIT Bank
Savings Connect