Wealthy PotBest High-Yield Savings Accounts
A side-by-side look at the best high-yield savings accounts (HYSAs) in 2026. Almost all charge no fees and no minimum, so the number that matters is the APY — and it moves with the Fed. Sort by rate to find today's leaders, and always confirm the live APY on the provider's site before you open.
Last updated: September 2026
A high-yield savings account pays many times the national-average savings rate, is FDIC-insured, and lets you withdraw when you need to — the ideal home for an emergency fund or short-term savings. The table below compares 14 accounts on APY, minimums, and fees. APYs are variable and change often — the figures here are re-checked regularly, but confirm the current rate on the provider's official page. Nothing here is financial advice.
Compare high-yield savings accounts
| Account | Type | APY | Min to open | Monthly fee | Best for |
|---|---|---|---|---|---|
| Happen Bank (LendingClub)Happen Bank, N.A. (formerly LendingClub Bank)Top APY | Online bank | 4.00% APY "LevelUp" rate (needs $250+ in deposits per period; otherwise 3.00%) | $0 | $0 | Savers who reliably add money each month and want a top APY plus an ATM card |
| Bread SavingsBread FinancialTop APY | Online bank | 3.95% APY | $100 | $0 | Savers who want a high APY and strong CD options in one place |
| OpenbankSantanderTop APY | Online bank | 3.80% APY (variable; may vary by ZIP) | $500 | $0 | Rate-chasers who want a strong APY from a big global bank |
| CIT BankFirst CitizensTop APY | Online bank | 3.75% APY (Platinum Savings, $5k+ balance; 0.25% below $5k) | $100 | $0 | Savers with a larger balance who want a high tiered APY |
| Bask BankTexas Capital BankTop APY | Online bank | 3.75% APY (Interest Savings; or earn American Airlines miles instead) | $0 | $0 | Savers who want a solid APY or the option to earn airline miles instead |
| BarclaysBarclays | Online bank | up to 3.65% APY (Tiered Savings, balance-tiered) | $0 | $0 | Savers who want a solid tiered APY with no minimum and reliable CDs |
| MarcusGoldman Sachs | Online bank | 3.40% APY | $0 | $0 | Savers who want a simple, no-fee HYSA from a big-name bank |
| Synchrony BankSynchrony | Online bank | 3.30% APY | $0 | $0 | Savers who want a solid APY, no minimum, and an optional ATM card |
| Wealthfront CashWealthfront | Brokerage cash | 3.30% base APY (up to 4.20% with new-client and direct-deposit boosts) | $1 | $0 | Wealthfront users who want a flexible cash account with huge FDIC coverage |
| UFB DirectAxos Bank | Online bank | 3.26% APY (flat across all balance tiers) | $0 | $0 | Savers who want a flat, no-minimum APY with an optional ATM card |
| SoFiSoFi | Neobank | 3.10% APY with qualifying direct deposit (0.80% base without) | $0 | $0 | People who want high-yield savings bundled with checking and investing |
| Ally BankAlly Financial | Online bank | 3.00% APY (single rate, all balances) | $0 | $0 | Savers who want great tools (savings buckets) from a full online bank |
| Capital One 360 Performance SavingsCapital One | Online bank | 3.00% APY | $0 | $0 | Savers who want a no-minimum HYSA from a big bank with some branches |
| American Express SavingsAmerican Express | Online bank | 3.00% APY | $0 | $0 | Existing Amex customers who want a trusted, no-frills HYSA |
No accounts match those filters.
How to choose a high-yield savings account
- Just want the top rate? Sort the table by APY — online-only banks like Bread Savings, Openbank, and CIT Bank usually lead (some top rates carry conditions).
- Want a big trusted name? Marcus (Goldman Sachs), American Express, and Capital One 360 are dependable.
- Want savings tools and a checking account too? Ally (buckets) and SoFi pair savings with full banking.
- Have a large cash balance? Wealthfront Cash offers extended FDIC coverage through partner banks.
- Keep a bigger balance? CIT's top tiered rate rewards $5,000+.
Looking for a banking app rather than just a rate? See our neobanks & banking apps comparison. Ready to invest longer-term money instead? Compare online brokers and robo-advisors, and size your emergency fund with the free emergency-fund calculator.
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Deciding between two specific accounts? These head-to-head breakdowns go deeper:
How we compare
We track each account's current APY, minimum to open, minimum balance to earn the top rate, monthly fee, and FDIC status, and summarize the experience rather than reprinting marketing copy. APYs are variable and change with the rate cycle; figures are re-checked regularly against each provider's official page. Some are brokerage cash accounts insured through partner banks rather than traditional bank savings — check each provider's disclosures. Some links may be affiliate links; that never changes which accounts we include or how we rank them. Nothing here is financial advice.