Best High-Yield Savings Accounts
Find the top rates for your balance

Last Updated: January 20, 2026

Today's Top 10 Rates:4.07-5.00% APY|FDIC Insured

FDIC Average 0.39% (as per Jan 20, 2026)

💡 Banksparency Tip

Look beyond the highest rate. The best savings account for you is the one with a minimum deposit or balance requirement you can actually meet, and an app or branch access that fits your lifestyle. Use the filters below to find your match.

New to High-Yield Savings Accounts? (Read Guide)

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Why High-Yield Accounts Pay More

Online banks typically offer higher interest rates because they have lower overhead costs compared to traditional banks. In Banksparency's database, 17 banks offer rates of 4.00% APY or higher, compared to the national average of 0.39% (as per the FDIC).

If you still prefer access to physical branches, you can still get a very good rate at some banks. Use the In-Person filter to find those.

Your Money is Safe

These accounts are protected by FDIC insurance (up to $250,000 per depositor). You can sleep easier knowing your money is secure even if the bank fails.

Beware of Fees and Fine Print

Not all high-yield savings accounts are fee-free. Some might charge monthly fees if your balance drops below a certain minimum. For example, an attractive APY might come with a minimum balance requirement of $2,500 to avoid a $10 monthly fee. Always read the fine print so fees don't eat into your savings.

Rates WILL Change Over Time

Interest rates on these accounts can fluctuate based on economic conditions. A 4% APY today might become 3% next year if market conditions shift. It's beneficial to periodically check the rates offered by other banks to ensure you're still getting the best deal.

How to Pick the Best Account

Look beyond APY. Consider customer service, mobile app quality, and ease of transfers. An account that's easy to manage provides better long-term satisfaction than a slightly higher rate with a terrible app.

For definitions of common terms, see the glossary.

When a High-Yield Savings Account Makes Sense

Emergency Fund (3-12 mo)
FDIC safety + fast access for unexpected costs.
See Emergency Fund Planner
Short-Term Goals (3-24 mo)
Vacation, wedding, car - zero drawdown risk.
Down Payment (<24 mo)
Park your cash safely while you shop for a home.
Taxes & Set-Asides
Keep tax money separate in labeled sub-accounts.
Sinking Funds
Save monthly for insurance, repairs, or property tax.
Travel Fund
Monthly contributions in, periodic withdrawals out.

Not ideal for:Date-certain cash (CDs)>3-year goals (Invest)High-interest debt

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 20, 2026

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

Find Your Perfect Savings Account

Ordered by highest APY. Filter 62 HYSAs by balance, minimum deposit & balances, mobile app ratings, branch access, and more to find the right account.

Rates verified: Tuesday, January 20, 2026

#	Bank & Rate	Requirements & Features	Minimum Deposit
#1	Varo Bank High-Yield Savings Account 5.00%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Direct Deposit ReqChecking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#2	Affinity Bank, National Association Fitness Elite Checking & Fitness Savings Combo 4.75%APY Min. balance: $100 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Checking Bundle Features Low Minimums	$100
#3	Affinity Bank, National Association Fitness Savings Account 4.45%APY Min. balance: $100 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low Minimums	$100
#4	Newtek Bank Personal High Yield Savings 4.35%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0.01
#5	Axos Bank Axos ONE 4.31%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#6	Climate First Bank Super Duper Savings Account 4.21%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person Access	$50
#7	Neighbors Bank Neighbors Savings Account 4.20%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat Android AppIn-Person Access	$0
#8	Santander Bank High-Yield Savings Account 4.20%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$500
#9	Bridgewater Bank Premium Savings Account 4.15%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low Minimums	$1,000
#10	MutualOne Bank Mo Premium Savings 4.07%APY Min. balance: $20,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS AppGreat Android AppIn-Person Access	$20,000
#11	Colorado Federal Savings Bank Premier Savings 4.05%APY Min. balance: $50,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS App	$50,000
#12	Flagstar Bank High Yield Savings Account 4.02%APY Min. balance: $1 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$500
#13	Barclays Tiered Savings 4.00%APY Min. balance: $250,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS AppGreat Android App	$0
#14	Carver Bank High Yield Savings 4.00%APY Min. balance: $5,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Mod. Minimum Features Great iOS AppGreat Android App	$5,000
#15	Colorado Federal Savings Bank High Yield Savings 4.00%APY Min. balance: $1 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS App	$1
#16	LendingClub LevelUp Savings 4.00%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#17	SoFi Bank SoFi Savings 4.00%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS App	$0
#18	EverBank Performance Savings 3.90%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#19	Sallie Mae Bank High-Yield Savings Account 3.90%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No Minimums	$0
#20	Forbright Bank Growth Savings 3.85%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#21	FVCbank Advantage Direct Savings 3.85%APY Min. balance: $500 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS App	$500
#22	PeoplesBank Tomorrow Savings Account 3.85%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low Minimums	$10
#23	Primis Bank Primis Savings Account 3.85%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1
#24	High Plains Bank High Yield Savings Account 3.82%APY Min. balance: $500,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS AppGreat Android AppIn-Person Access	$25
#25	Live Oak Bank Personal Savings 3.80%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No Minimums	$0
#26	Western Alliance Bank High-Yield Savings Premier 3.80%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low Minimums	$500
#27	Axos Bank Summit Savings 3.75%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#28	First Foundation Bank Online Savings 3.75%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#29	Poppy Bank Poppy Premier Online Savings 3.75%APY Min. balance: $1,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS App	$1,000
#30	Presidential Bank Advantage Savings 3.75%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires Mod. MinimumDirect Deposit ReqChecking Bundle Features Great iOS AppGreat Android AppIn-Person Access	$5,000
#31	Prime Alliance Bank Personal Savings 3.75%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppIn-Person Access	$0
#32	Rising Bank High-Yield Savings Account 3.75%APY Min. balance: $1,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#33	CIBC Bank USA Agility™ High-Interest Savings Account 3.66%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS App	$1,000
#34	Marcus by Goldman Sachs Marcus Online Savings Account 3.65%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#35	Sallie Mae Bank SmartyPig Account 3.65%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No Minimums	$0
#36	Synchrony Bank High Yield Savings 3.65%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#37	TAB Bank TAB Save 3.61%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#38	Barclays Online Savings 3.60%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#39	Quontic Bank High Yield Savings 3.50%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$100
#40	U.S. Bank Smartly Savings 3.50%APY Min. balance: $100,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High MinimumChecking Bundle Features Great iOS AppGreat Android AppIn-Person Access	$25
#41	Customers Bank Yield Shield Savings Account 3.48%APY Min. balance: $25,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS App	$25,000
#42	Axos Bank UFB Checking and Savings Bundle 3.46%APY Min. balance: $10,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High MinimumDirect Deposit ReqChecking Bundle Features Great iOS AppGreat Android App	$5000
#43	Forbright Bank Sprout Savings 3.45%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person Access	$1
#44	Forbright Bank Bright Savings 3.45%APY Min. balance: $250,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS AppGreat Android AppIn-Person Access	$250
#45	Flagstar Bank Flagstar Performance Savings 3.40%APY Min. balance: $25,000 Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Requires High Minimum Features Great iOS AppGreat Android App	$1
#46	Ally Bank Savings Account 3.30%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#47	American Express High Yield Savings Account 3.30%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS App	$0
#48	Citibank Citi Accelerate Savings 3.30%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#49	PNC PNC High Yield Savings 3.30%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android AppIn-Person Access	$0
#50	Axos Bank UFB Portfolio Savings 3.26%APY No min. balance for APY Verified: Jan 20, 2026 Show Details ▼	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0

Varo Bank

High-Yield Savings Account

5.00%

APY

Jan 20, 2026

FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Required (See terms)
Deposit Insurance	FDIC Insured(Cert: 59190)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.6
BBB Rating	A(BBB Accredited)

Rate Stability

Sponsored LinkOpen Account

at Varo Bank, Member FDIC

Min. Deposit	$0
Min. Balance	$250,000
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57203)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.7
BBB Rating	A+(BBB Accredited)

Min. Deposit	$25
Min. Balance	$500,000
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	5 locations in Colorado
Deposit Insurance	FDIC Insured(Cert: 3017)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	Not Rated(Not BBB Accredited)

Min. Deposit	$0
Min. Balance	Enough to earn $0.01 in interest
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57203)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.7
BBB Rating	A+(BBB Accredited)

Min. Deposit	$25
Min. Balance	$100,000
Maintenance Fee	$0, if electronic statements selected, otherwise $5
Compound Freq	Daily
Direct Deposit	Not required
Branch Access	Branches in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, TX, UT, WA, WI, WY
Deposit Insurance	FDIC Insured(Cert: 6548)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.7
BBB Rating	A+(BBB Accredited)

Find Your Perfect Savings Account

Varo Bank

Rate Stability

Affinity Bank, National Association

Rate Stability

Affinity Bank, National Association

Rate Stability

Newtek Bank

Rate Stability

Axos Bank

Rate Stability

Climate First Bank

Rate Stability

Neighbors Bank

Rate Stability

Santander Bank

Rate Stability

Bridgewater Bank

Rate Stability

MutualOne Bank

Rate Stability

Colorado Federal Savings Bank

Rate Stability

Flagstar Bank

Rate Stability

Barclays

Rate Stability

Carver Bank

Rate Stability

Colorado Federal Savings Bank

Rate Stability

LendingClub

Rate Stability

SoFi Bank

Rate Stability

EverBank

Rate Stability

Sallie Mae Bank

Rate Stability

Forbright Bank

Rate Stability

FVCbank

Rate Stability

PeoplesBank

Rate Stability

Primis Bank

Rate Stability

High Plains Bank

Rate Stability

Live Oak Bank

Rate Stability

Western Alliance Bank

Rate Stability

Axos Bank

Rate Stability

First Foundation Bank

Rate Stability

Poppy Bank

Rate Stability

Presidential Bank

Rate Stability

Prime Alliance Bank

Rate Stability

Rising Bank

Rate Stability

CIBC Bank USA

Rate Stability

Marcus by Goldman Sachs

Rate Stability

Sallie Mae Bank

Rate Stability

Synchrony Bank

Rate Stability

TAB Bank

Rate Stability

Barclays

Rate Stability

Quontic Bank

Rate Stability

U.S. Bank