Find a High-Yield Savings Account That Fits Your Balance

By Aviel Fahl

Last Updated: January 7, 2026

Today's Top 10 Rates:4.21-5.00% APY|FDIC Insured
FDIC Average 0.39% (as per Dec 15, 2025)

Find Your Perfect Savings Account

Ordered by highest APY. Filter 92 HYSAs by balance, minimum deposit & balances, mobile app ratings, branch access, and more to find the right account.

Rates verified: Wednesday, January 7, 2026

#1

Varo Bank

High-Yield Savings Account

Up to
5.00%
APY
Jan 7, 2026
APY Range: 2.50% 5.00%
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppZelle® Supported

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.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (Min. $1,000/month)
Deposit InsuranceFDIC Insured(Cert: 59190)
EligibilityUnited States
Zelle®
SupportedRequires history of qualifying direct deposits.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#2

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo

4.75%
APY
Jan 7, 2026
FDIC InsuredChecking BundleLow Minimums

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.

Show Fine Print & Trends
#3

Pibank

Pibank Savings

4.60%
APY
Jan 7, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#4

GO2bank

High Yield Savings

Up to
4.50%
APY
Jan 7, 2026
APY Range: 0.00% 4.50%
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App

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.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#5

Fitness Bank

Fitness Savings Account

4.45%
APY
Jan 7, 2026
FDIC InsuredLow Minimums

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.

Show Fine Print & Trends
#7

Newtek Bank

Personal High Yield Savings

4.35%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18734)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#8

Axos Bank

Axos ONE

4.31%
APY
Jan 7, 2026
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App

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.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required, but is the easiest way to earn the highest APY.
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Sponsored LinkOpen Account

at Axos Bank, Member FDIC

#9

Neighbors Bank

Neighbors Savings Account

4.30%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat Android AppIn-Person Access

What to Watch

Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch AccessOne location in Columbia, Missouri
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.20%
90 days
↘︎ 0.30%
#10

Climate First Bank

Super Duper Savings Account

4.21%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqN/A
Direct DepositNot required
Branch Access3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit InsuranceFDIC Insured(Cert: 59257)
EligibilityUnited States
Zelle®
SupportedVerified in Climate First Bank Personal app.
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
#11

Openbank

High-Yield Savings Account

4.20%
APY
Jan 7, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29950)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#12

Ivy Bank

High-Yield Savings Account

Up to
4.10%
APY
Jan 7, 2026
APY Range: 0.05% 4.10%
FDIC InsuredMod. MinimumGreat iOS App
Show Fine Print & Trends
Min. Deposit$2,500
Min. Balance$2,500
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17870)
EligibilityResidents of California and U.S. Territories (except District of Columbia) are ineligible to apply.
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
#13

Vio Bank

Online Savings Account

4.09%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4063)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.07%
Since 7 days ago
#14

MutualOne Bank

Mo Premium Savings

4.07%
APY
Jan 7, 2026
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$20,000
Min. Balance$20,000
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessFull-service banking offices in Framingham, MA, and Natick, MA
Deposit InsuranceFDIC Insured(Cert: 26395)
EligibilityUnited States
Zelle®
SupportedVerified via website and app descriptions.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#15

Bread Savings

High-Yield Savings Account

4.05%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57570)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.05%
90 days
↘︎ 0.20%
#16

Colorado Federal Savings Bank

Premier Savings

4.05%
APY
Jan 7, 2026
FDIC InsuredHigh MinimumGreat iOS App
Show Fine Print & Trends
#17

Jenius Bank

Jenius Savings

4.05%
APY
Jan 7, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18618)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
#18

My Banking Direct

High Yield Savings Account

4.02%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32541)
EligibilityUnited States
Zelle®
SupportedUses Flagstar/NYCB parent infrastructure.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.18%
Since 90 days ago
#19

Barclays

Tiered Savings

Up to
4.00%
APY
Jan 7, 2026
APY Range: 3.85% 4.00%
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App

What to Watch

The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
#20

Carver Bank

High Yield Savings

4.00%
APY
Jan 7, 2026
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$5,000
Maintenance Fee$0, of minimum balance requirement met. Otherwise $6.
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30394)
EligibilityUnited States
Zelle®
SupportedFull native integration in digital banking.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#21

Colorado Federal Savings Bank

High Yield Savings

4.00%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
#22

Forbright Bank

Growth Savings

4.00%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityUnited States
Zelle®
SupportedBranch accounts only; Growth Savings online does NOT support.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#23

LendingClub

LevelUp Savings

Up to
4.00%
APY
Jan 7, 2026
APY Range: 3.00% 4.00%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

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.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32551)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.20%
Since 30 days ago
#24

SoFi Bank

SoFi Savings

Up to
4.00%
APY
Jan 7, 2026
APY Range: 3.30% 4.00%
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppZelle® Supported

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.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositWhile direct deposit is not required, the alternative is a subscription fee of $10/month
Deposit InsuranceFDIC Insured(Cert: 26881)
EligibilityUnited States
Zelle®
SupportedNative support added in 2024 for banking members.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.30%
90 days
↘︎ 0.50%
#25

Valley Direct

High-Yield Savings Account

Up to
4.00%
APY
Jan 7, 2026
APY Range: 3.40% 4.00%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Promo rate for new customers. 3.40% APY applies to existing customers.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Branch AccessAfter opening online, your accounts can be serviced at one of the Valley branch locations in NJ, NY, FL and AL.
Deposit InsuranceFDIC Insured(Cert: 9396)
EligibilityThe advertised rate is restricted to new customers. Existing Valley Bank or Valley Direct customers may this savings account with a somewhat lower rate.
Zelle®
SupportedAllows Zelle directly on HYSA.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.10%
Since 30 days ago
#26

Peak Bank

Envision High Yield Savings

3.99%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58095)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.21%
Since 7 days ago
#27

EverBank

Performance Savings

3.90%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34775)
EligibilityUnited States
Zelle®
SupportedNative integration verified.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
#28

Popular Direct

Popular Direct Select Savings

3.90%
APY
Jan 7, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34967)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.10%
90 days
↘︎ 0.15%
#29

Sallie Mae Bank

High-Yield Savings Account

3.90%
APY
Jan 7, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#30

SmartyPig

SmartyPig Account

3.90%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#31

Wealthfront

Cash Account

Up to
3.90%
APY
Jan 7, 2026
APY Range: 3.25% 3.90%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

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.

Show Fine Print & Trends
#32

Western Alliance Bank

High-Yield Savings Premier

3.90%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsZelle® Supported
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57512)
EligibilityUnited States
Zelle®
SupportedAvailable via the Western Bank mobile app.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
#33

Bank5 Connect

Jumbo Savings

3.85%
APY
Jan 7, 2026
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$25,000
Min. Balance$25,000
Maintenance Fee$0, if receiving eStatements. Otherwise $1 per statement.
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23286)
EligibilityUnited States
Zelle®
SupportedNative support via parent BankFive platform.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
#34

FVCbank

Advantage Direct Savings

3.85%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58696)
EligibilityUnited States
Zelle®
SupportedIntegrated into mobile app.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
#35

Primis Bank

Primis Savings Account

3.85%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported

What to Watch

Primis deposit accounts are not available in Puerto Rico or other US territories.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57968)
EligibilityUnited States
Zelle®
SupportedSupports Zelle for personal and small business.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#36

Zynlo Bank

Tomorrow Savings Account

3.85%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90213)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.20%
90 days
↘︎ 0.35%
#37

Elevault

High Yield Savings Account

3.82%
APY
Jan 7, 2026
FDIC InsuredNo Minimums

What to Watch

The 3.82% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1528)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.26%
90 days
↘︎ 0.52%
#38

High Plains Bank

High Yield Savings Account

Up to
3.82%
APY
Jan 7, 2026
APY Range: 0.23% 3.82%
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$500,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch Access5 locations in Colorado
Deposit InsuranceFDIC Insured(Cert: 3017)
EligibilityUnited States
Zelle®
SupportedAvailable via the HPBGo mobile app.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
#39

Live Oak Bank

Personal Savings

3.80%
APY
Jan 7, 2026
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58665)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

7 days
↘︎ 0.10%
90 days
↘︎ 0.20%
#40

Axos Bank

Summit Savings

3.75%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.25%
Since 30 days ago
#41

Bask Bank

Interest Savings Account

3.75%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34383)
EligibilityUnited States
Zelle®
SupportedAvailable for Interest Checking; not for standalone savings.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.15%
90 days
↘︎ 0.30%
#42

BrioDirect

High-Yield Savings Account

3.75%
APY
Jan 7, 2026
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Zelle®
SupportedAccessed via the Webster Bank mobile app.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.45%
#43

CIT Bank

Platinum Savings

Up to
3.75%
APY
Jan 7, 2026
APY Range: 0.25% 3.75%
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported

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%.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$5,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11063)
EligibilityUnited States
Zelle®
SupportedSupported for eChecking users post-First Citizens merger.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Sponsored LinkOpen Account

at CIT Bank, Member FDIC

#44

First Foundation Bank

Online Savings

3.75%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58647)
EligibilityUnited States
Zelle®
SupportedFull integration in digital banking suite.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.35%
#45

Presidential Bank

Advantage Savings

Up to
3.75%
APY
Jan 7, 2026
APY Range: 3.25% 3.75%
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Zelle®
SupportedNative integration; Advantage Savings supports Zelle.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.75%
#46

Prime Alliance Bank

Personal Savings

3.75%
APY
Jan 7, 2026
FDIC InsuredNo MinimumsGreat iOS AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOne location in Utah
Deposit InsuranceFDIC Insured(Cert: 57920)
EligibilityUnited States
Zelle®
Not Supported
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
#47

Rising Bank

High-Yield Savings Account

3.75%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported

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.

Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqDoesn't compound
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1058)
EligibilityUnited States
Zelle®
SupportedAdded native support in 2025.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.20%
90 days
↘︎ 0.35%
#48

CIBC Bank USA

Agility™ High-Interest Savings Account

3.66%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33306)
EligibilityUnited States
Zelle®
SupportedSupported via the CIBC US mobile app.
Mobile Ratings
BBB Rating

Rate Stability

30 days
↘︎ 0.11%
90 days
↘︎ 0.26%
#49

CIT Bank

Savings Connect

3.65%
APY
Jan 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 11063)
EligibilityUnited States
Zelle®
SupportedSupported for eChecking users post-First Citizens merger.
Mobile Ratings
BBB Rating

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Sponsored LinkOpen Account

at CIT Bank, Member FDIC

#50

Forbright Bank

Bright Savings

Up to
3.65%
APY
Jan 7, 2026
APY Range: 2.75% 3.65%
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers.

Show Fine Print & Trends
Min. Deposit$250
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Branch AccessLocations in the Washington D.C. area (Maryland and Virginia)
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityThis account must be opened in a Forbright branch (Washington, D.C. metro area)
Zelle®
SupportedBranch accounts only; Growth Savings online does NOT support.
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days