Compare High-Yield Savings Accounts

Last Updated: December 6, 2025

Today's Top 10 Rates:4.30-5.00% APY|FDIC Insured

FDIC Average 0.40% (as per Nov 17, 2025)

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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, 36 banks offer rates of 4.00% APY or higher, compared to the national average of 0.40% (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

Axos ONE - Elevate your earnings

SponsoredVerified Dec 6, 2025

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:4.6

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.

Find Your Perfect Savings Account

Filter 91 HYSAs by minimums, app ratings, in-person access, and more, to find the right account for your savings goals.

Rates verified: Saturday, December 6, 2025

#	Bank & Rate	Requirements & Features	Minimum Deposit
#1	Varo Bank High-Yield Savings Account Up to5.00%APY Range: 2.50% - 5.00% No min. balance for APY Verified: Dec 5, 2025 Show Details ▼	FDIC Insured Requires Direct Deposit ReqChecking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#2	Fitness Bank Fitness Elite Checking & Fitness Savings Combo 4.75%APY Min. balance: $100 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Checking Bundle Features Low Minimums	$100
#3	Pibank Pibank Savings 4.60%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No Minimums	$0
#4	GO2bank High Yield Savings Up to4.50%APY Range: 0.00% - 4.50% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#5	Neighbors Bank Neighbors Savings Account 4.50%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat Android AppIn-Person Access	$0
#6	Fitness Bank Fitness Savings Account 4.45%APY Min. balance: $100 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low Minimums	$100
#7	TIMBR Premium Savings Account 4.40%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low Minimums	$1,000
#8	Newtek Bank Personal High Yield Savings 4.35%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0.01
#9	Axos Bank Axos ONE 4.31%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#10	SoFi Bank SoFi Savings Up to4.30%APY Range: 3.60% - 4.30% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#11	Ivy Bank High-Yield Savings Account Up to4.25%APY Range: 0.05% - 4.25% Min. balance: $2,500 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Mod. Minimum Features Great iOS App	$2,500
#12	Climate First Bank Super Duper Savings Account 4.21%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person Access	$50
#13	LendingClub LevelUp Savings Up to4.20%APY Range: 3.20% - 4.20% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#14	Openbank High-Yield Savings Account 4.20%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low Minimums	$500
#15	Peak Bank Envision High Yield Savings 4.20%APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$100
#16	Vio Bank Online Savings Account 4.16%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$100
#17	Wealthfront Cash Account Up to4.15%APY Range: 3.50% - 4.15% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#18	Bread Savings High-Yield Savings Account 4.10%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$100
#19	Valley Direct High-Yield Savings Account Up to4.10%APY Range: 3.50% - 4.10% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#20	Elevault High Yield Savings Account 4.08%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No Minimums	$0
#21	MutualOne Bank Mo Premium Savings 4.07%APY Min. balance: $20,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires High Minimum Features Great iOS AppGreat Android AppIn-Person Access	$20,000
#22	Colorado Federal Savings Bank Premier Savings 4.05%APY Min. balance: $50,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires High Minimum Features Great iOS App	$50,000
#23	EverBank Performance Savings 4.05%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No Minimums	$0
#24	Jenius Bank Jenius Savings 4.05%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS App	$0
#25	Zynlo Bank Tomorrow Savings Account 4.05%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$10
#26	My Banking Direct High Yield Savings Account 4.02%APY Min. balance: $1 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$500
#27	Axos Bank Summit Savings 4.00%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#28	Barclays Tiered Savings Up to4.00%APY Range: 3.85% - 4.00% Min. balance: $250,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires High Minimum Features Great iOS AppGreat Android App	$0
#29	BrioDirect High-Yield Savings Account 4.00%APY Min. balance: $25 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Mod. Minimum Features Great iOS AppGreat Android App	$5,000
#30	Carver Bank High Yield Savings 4.00%APY Min. balance: $5,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Mod. Minimum Features Great iOS AppGreat Android App	$5,000
#31	Colorado Federal Savings Bank High Yield Savings 4.00%APY Min. balance: $1 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$1
#32	First Foundation Bank Online Savings 4.00%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#33	Forbright Bank Growth Savings 4.00%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#34	Poppy Bank Poppy Premier Online Savings 4.00%APY Min. balance: $1,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$1,000
#35	Popular Direct Popular Direct Select Savings 4.00%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low Minimums	$100
#36	Presidential Bank Advantage Savings Up to4.00%APY Range: 3.50% - 4.00% No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Mod. MinimumDirect Deposit ReqChecking Bundle Features Great iOS AppGreat Android AppIn-Person Access	$5,000
#37	Rising Bank High-Yield Savings Account 3.95%APY Min. balance: $1,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#38	Bask Bank Interest Savings Account 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppGreat Android App	$0
#39	Live Oak Bank Personal Savings 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No Minimums	$0
#40	Prime Alliance Bank Personal Savings 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS AppIn-Person Access	$0
#41	Sallie Mae Bank High-Yield Savings Account 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No Minimums	$0
#42	SmartyPig SmartyPig Account 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features No MinimumsGreat iOS App	$0
#43	Western Alliance Bank High-Yield Savings Premier 3.90%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low Minimums	$500
#44	ROGER ROGER Savings 3.87%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires Checking Bundle Features No MinimumsGreat iOS AppGreat Android App	$0
#45	Bank5 Connect Jumbo Savings 3.85%APY Min. balance: $25,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires High Minimum Features Great iOS AppGreat Android App	$25,000
#46	FVCbank Advantage Direct Savings 3.85%APY Min. balance: $500 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$500
#47	Primis Bank Primis Savings Account 3.85%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1
#48	High Plains Bank High Yield Savings Account Up to3.82%APY Range: 0.23% - 3.82% Min. balance: $500,000 Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Requires High Minimum Features Great iOS AppGreat Android AppIn-Person Access	$25
#49	TAB Bank TAB Save 3.80%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS AppGreat Android App	$1,000
#50	CIBC Bank USA Agility™ High-Interest Savings Account 3.77%APY No min. balance for APY Verified: Dec 6, 2025 Show Details ▼	FDIC Insured Features Low MinimumsGreat iOS App	$1,000

Varo Bank

High-Yield Savings Account

Up to

5.00%

APY

Dec 5, 2025

FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App

Range: 2.50% – 5.00%

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Required (Min. $1,000/month)
Deposit Insurance	FDIC Insured(Cert: 59190)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.6
BBB Rating	A(BBB Accredited)

Important Note

Earn 5.00% APY on up to $5,000 and 2.50% APY on the rest. A Varo bank account & direct deposit required.

Rate Stability

Very StableNo rate changes in last 90 days

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)

Find Your Perfect Savings Account

Varo Bank

Important Note

Rate Stability

Fitness Bank

Important Note

Rate Stability

Pibank

Rate Stability

GO2bank

Important Note

Rate Stability

Neighbors Bank

Important Note

Rate Stability

Fitness Bank

Important Note

Rate Stability

TIMBR

Rate Stability

Newtek Bank

Rate Stability

Axos Bank

Important Note

Rate Stability

SoFi Bank

Important Note

Rate Stability

Ivy Bank

Rate Stability

Climate First Bank

Rate Stability

LendingClub

Important Note

Rate Stability

Openbank

Rate Stability

Peak Bank

Rate Stability

Vio Bank

Rate Stability

Wealthfront

Important Note

Rate Stability

Bread Savings

Rate Stability

Valley Direct

Important Note

Rate Stability

Elevault

Important Note

Rate Stability

MutualOne Bank

Rate Stability

Colorado Federal Savings Bank

Rate Stability

EverBank

Rate Stability

Jenius Bank

Rate Stability

Zynlo Bank

Rate Stability

My Banking Direct

Rate Stability

Axos Bank

Rate Stability

Barclays

Important Note

Rate Stability

BrioDirect

Rate Stability

Carver Bank

Rate Stability

Colorado Federal Savings Bank

Rate Stability

First Foundation Bank

Rate Stability

Forbright Bank

Rate Stability

Poppy Bank