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Highest Savings Rates
Find the best account for your balance

By Aviel Fahl

Rates verified: August 22, 2026

Today's Top 10 Savings Rates:4.01-5.00% APY
FDIC Savings Average 0.38% (as of Aug 2026) | 3.63% (as of Aug 20, 2026)

Find Your Perfect Savings Account

Ordered by highest APY. Filter 128 HYSAs by balance, minimum deposit & balances, mobile app ratings, in-branch access, and more to find the right account.

Rates verified: Saturday, August 22, 2026

#1

First Federal Bank of Kansas City

Grow Savings Account

Up to
5.00%
APY
Aug 22, 2026
APY Range: 0.10% 5.00%
FDIC InsuredChecking BundleLow MinimumsIn-Person Access

What to Watch

An active consumer checking account is required to open this account. The stated APY applies only to balances up to $2,499.99. Once the balance reaches $2,500 the bank quotes a blended APY for the account.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29047)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Official SiteFirst Federal Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

#2

GO2bank

High Yield Savings

4.50%
APY
Aug 22, 2026
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App

What to Watch

A GO2bank checking account is required to open a savings account. The stated 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
Mobile Ratings
BBB Rating
F(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteGO2bank

Direct Link to Product Page (Not Sponsored)

#3

Elevault

High Yield Savings Account

4.34%
APY
Aug 20, 2026
FDIC InsuredNo Minimums

What to Watch

The APY is available 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
Mobile Ratings
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteElevault

Direct Link to Product Page (Not Sponsored)

#4

Axos Bank

Axos ONE Savings

Up to
4.21%
APY
Aug 22, 2026
APY Range: 3.50% 4.21%
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App

What to Watch

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. 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
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Sponsored LinkOpen Account

at Axos Bank, federally insured

#5

Newtek Bank

Personal High Yield Savings

4.20%
APY
Aug 22, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

What to Watch

Newtek Bank has paused new applications for this account. New customers can only join a waitlist. The advertised APY applies to existing accounts.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18734)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteNewtek Bank

Direct Link to Product Page (Not Sponsored)

#6

Forbright Bank

Growth Savings

Up to
4.15%
APY
Aug 22, 2026
APY Range: 3.85% 4.15%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported

What to Watch

Limited offer: The stated APY includes a temporary 0.30% APY boost for new customers. Only people who never had a Forbright Bank Growth Savings or Growth CD account can get the boost. The account must be opened online, and a one-time balance of $1,000 must be reached by 08/31/2026. The boost ends on 12/31/2026, and a lower APY applies after that. Existing customers get the standard APY. See terms at Forbright Bank.

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
A+(BBB Accredited)

Rate Stability

Rate Increased
+0.30%
Since 90 days ago
Official SiteForbright Bank

Direct Link to Product Page (Not Sponsored)

#7

Neighbors Bank

Neighbors Savings Account

4.10%
APY
Aug 22, 2026
FDIC InsuredNo MinimumsGreat Android App

What to Watch

Balances up to $250,000 earn the stated APY. Anything above will earn less.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 7 days ago
Official SiteNeighbors Bank

Direct Link to Product Page (Not Sponsored)

#8

Pibank

Pibank Savings

4.10%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago
Official SitePibank

Direct Link to Product Page (Not Sponsored)

#9

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo

4.05%
APY
Aug 22, 2026
FDIC InsuredChecking BundleLow 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
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10. Waived for average daily balances > $100
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29510)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Official SiteFitness Bank

Direct Link to Product Page (Not Sponsored)

#10

Climate First Bank

Super Duper Savings Account

4.01%
APY
Aug 22, 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 Freqdaily
Direct DepositNot required
In-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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteClimate First Bank

Direct Link to Product Page (Not Sponsored)

#11

FVCbank

Advantage Direct Savings

4.01%
APY
Aug 22, 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
B-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteFVCbank

Direct Link to Product Page (Not Sponsored)

#12

Peak Bank

Envision High Yield Savings

Up to
4.01%
APY
Aug 22, 2026
APY Range: 3.14% 4.01%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

What to Watch

The advertised APY is for new accounts only. There is a limit of one Envision High Yield Savings account per customer. Opening funds are subject to a five business day hold.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58095)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.01%
Since 7 days ago
Official SitePeak Bank

Direct Link to Product Page (Not Sponsored)

#13

Betterment

Cash Reserve

Up to
4.00%
APY
Aug 22, 2026
APY Range: 3.25% 4.00%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
BBB Rating
A-(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBetterment

Direct Link to Product Page (Not Sponsored)

#14

Carver Bank

High Yield Savings

4.00%
APY
Aug 22, 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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteCarver Bank

Direct Link to Product Page (Not Sponsored)

#15

First County Bank

FirstMaturedCD Savings

4.00%
APY
Aug 22, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18204)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst County Bank

Direct Link to Product Page (Not Sponsored)

#16

Happen Bank

LevelUp Savings

4.00%
APY
Aug 22, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

What to Watch

The advertised "LevelUp Rate" APY is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" 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
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteHappen Bank

Direct Link to Product Page (Not Sponsored)

#17

Poppy Bank

Poppy Premier Online Savings

4.00%
APY
Aug 22, 2026
FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57903)
EligibilityUnited States
Zelle®
SupportedOfficial Zelle partner bank.
Mobile Ratings
BBB Rating
B+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePoppy Bank

Direct Link to Product Page (Not Sponsored)

#18

Valley Direct

High-Yield Savings Account

Up to
4.00%
APY
Aug 22, 2026
APY Range: 3.30% 4.00%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported

What to Watch

Promo rate for new customers. A lower 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
Deposit InsuranceFDIC Insured(Cert: 9396)
EligibilityUnited States
Zelle®
SupportedAllows Zelle directly on HYSA.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteValley Direct

Direct Link to Product Page (Not Sponsored)

#19

Vio Bank

Online Savings Account

3.99%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

30 days
↘︎ 0.01%
90 days
↘︎ 0.04%
Official SiteVio Bank

Direct Link to Product Page (Not Sponsored)

#20

Bread Savings

High-Yield Savings Account

3.95%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

Rate Adjusted
-0.05%
Since 90 days ago
Official SiteBread Savings

Direct Link to Product Page (Not Sponsored)

#21

TIMBR

Premium Savings Account

3.95%
APY
Aug 22, 2026
FDIC InsuredLow Minimums
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58210)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteTIMBR

Direct Link to Product Page (Not Sponsored)

#22

Wealthfront

Cash Account

Up to
3.95%
APY
Aug 22, 2026
APY Range: 3.30% 3.95%
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 the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
BBB Rating
F(Not BBB Accredited)

Rate Stability

Rate Increased
+0.05%
Since 30 days ago
Official SiteWealthfront

Direct Link to Product Page (Not Sponsored)

#23

Colorado Federal Savings Bank

Premier Savings

3.90%
APY
Aug 22, 2026
FDIC InsuredHigh MinimumGreat iOS App
Show Fine Print & Trends
Min. Deposit$50,000
Min. Balance$50,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33111)
EligibilityNew customers only
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Increased
+0.05%
Since 90 days ago
Official SiteColorado Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#24

EverBank

Performance Savings

3.90%
APY
Aug 22, 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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteEverBank

Direct Link to Product Page (Not Sponsored)

#25

Live Oak Bank

Personal Savings

3.90%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.10%
Since 7 days ago
Official SiteLive Oak Bank

Direct Link to Product Page (Not Sponsored)

#26

Popular Direct

Popular Direct Exclusive Savings

3.90%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePopular Direct

Direct Link to Product Page (Not Sponsored)

#27

Colorado Federal Savings Bank

High Yield Savings

3.85%
APY
Aug 22, 2026
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 33111)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Increased
+0.05%
Since 90 days ago
Official SiteColorado Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#28

Ivy Bank

High-Yield Savings Account

3.85%
APY
Aug 21, 2026
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)
EligibilityUnited States
Mobile Ratings
BBB Rating
A-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteIvy Bank

Direct Link to Product Page (Not Sponsored)

#29

Primis Bank

Primis Savings Account

3.85%
APY
Aug 22, 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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePrimis Bank

Direct Link to Product Page (Not Sponsored)

#30

High Plains Bank

High Yield Savings Account

Up to
3.82%
APY
Aug 21, 2026
APY Range: 0.23% 3.82%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$0.01
Maintenance Fee$0
Compound Frequnknown
Direct DepositNot required
In-Branch Access5 locations in Colorado
Deposit InsuranceFDIC Insured(Cert: 3017)
EligibilityUnited States
Zelle®
SupportedAvailable via the HPBGo mobile app.
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteHigh Plains Bank

Direct Link to Product Page (Not Sponsored)

#31

MutualOne Bank

Mo Premium Savings

3.82%
APY
Aug 21, 2026
FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Earn the stated APY up to $1,000,000.01, after which a lower APY applies.

Show Fine Print & Trends
Min. Deposit$20,000
Min. Balance$20,000
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
In-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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteMutualOne Bank

Direct Link to Product Page (Not Sponsored)

#32

Waterman Bank

High Yield Savings

3.82%
APY
Aug 22, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 10878)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteWaterman Bank

Direct Link to Product Page (Not Sponsored)

#33

Openbank

High-Yield Savings Account

3.80%
APY
Aug 19, 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
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Official SiteOpenbank

Direct Link to Product Page (Not Sponsored)

#34

SoFi Bank

SoFi Savings

Up to
3.80%
APY
Aug 22, 2026
APY Range: 3.10% 3.80%
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppZelle® Supported

What to Watch

Limited offer: The stated APY 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 an interest-bearing checking account.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 26881)
EligibilityUnited States
Zelle®
SupportedNative support added in 2024 for banking members.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.20%
Since 90 days ago
Official SiteSoFi Bank

Direct Link to Product Page (Not Sponsored)

#35

Western Alliance Bank

High-Yield Savings Premier

3.80%
APY
Aug 19, 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
D+(Not BBB Accredited (Information provided is for Alliance Association Bank, a trade name of Western Alliance Bank))

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteWestern Alliance Bank

Direct Link to Product Page (Not Sponsored)

#36

Axos Bank

Summit Savings

3.75%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteAxos Bank

Direct Link to Product Page (Not Sponsored)

#37

Bask Bank

Interest Savings Account

3.75%
APY
Aug 20, 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
B(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 7 days ago
Official SiteBask Bank

Direct Link to Product Page (Not Sponsored)

#38

BrioDirect

High-Yield Savings Account

3.75%
APY
Aug 19, 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
B-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBrioDirect

Direct Link to Product Page (Not Sponsored)

#39

Chime

Chime High-Yield Savings Account

3.75%
APY
Aug 19, 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 FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteChime

Direct Link to Product Page (Not Sponsored)

#40

CIT Bank

Platinum Savings

Up to
3.75%
APY
Aug 22, 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 stated APY requires meeting the $5,000 balance requirement. Lower balances earn a lower APY.

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
A+(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company))

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteCIT Bank

Direct Link to Product Page (Not Sponsored)

#41

Fitness Bank

Fitness Savings Account

3.75%
APY
Aug 22, 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
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10. Waived for average daily balances > $100
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29510)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Official SiteFitness Bank

Direct Link to Product Page (Not Sponsored)

#42

Presidential Bank

Advantage Savings

3.75%
APY
Aug 19, 2026
FDIC InsuredMod. MinimumChecking 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 DepositNot required
In-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
A-(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePresidential Bank

Direct Link to Product Page (Not Sponsored)

#43

Prime Alliance Bank

Personal Savings

3.75%
APY
Aug 19, 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
In-Branch AccessOne location in Utah
Deposit InsuranceFDIC Insured(Cert: 57920)
EligibilityUnited States
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePrime Alliance Bank

Direct Link to Product Page (Not Sponsored)

#44

Rising Bank

High-Yield Savings Account

3.75%
APY
Aug 19, 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 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 FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1058)
EligibilityUnited States
Zelle®
SupportedAdded native support in 2025.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteRising Bank

Direct Link to Product Page (Not Sponsored)

#45

Sallie Mae Bank

High-Yield Savings Account

3.75%
APY
Aug 22, 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
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteSallie Mae Bank

Direct Link to Product Page (Not Sponsored)

#46

Varo Bank

High-Yield Savings Account

3.75%
APY
Aug 19, 2026
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppZelle® Supported

What to Watch

Earn the stated APY on up to $5,000 and a lower 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 (See terms)
Deposit InsuranceFDIC Insured(Cert: 59190)
EligibilityUnited States
Zelle®
SupportedRequires history of qualifying direct deposits.
Mobile Ratings
BBB Rating
A(BBB Accredited)

Rate Stability

Rate Adjusted
-1.25%
Since 30 days ago
Official SiteVaro Bank

Direct Link to Product Page (Not Sponsored)

#47

Bank5 Connect

Jumbo Savings

3.65%
APY
Aug 22, 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
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank5 Connect

Direct Link to Product Page (Not Sponsored)

#48

Barclays

Tiered Savings

Up to
3.65%
APY
Aug 22, 2026
APY Range: 3.50% 3.65%
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

What to Watch

The top APY is only available for balances over $250,000. For lower balances, a lower APY applies.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.35%
Since 7 days ago
Official SiteBarclays

Direct Link to Product Page (Not Sponsored)

#49

CIT Bank

Savings Connect

3.65%
APY
Aug 22, 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
A+(Not BBB Accredited (Information provided is for First Citizens Bank & Trust Company))

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteCIT Bank

Direct Link to Product Page (Not Sponsored)

#50

ROGER

ROGER Savings

3.61%
APY
Aug 19, 2026
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App

What to Watch

The stated APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4084)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteROGER

Direct Link to Product Page (Not Sponsored)