Best high-yield savings rates
Savings accounts ranked by APY, verified at the bank's own page. Rates move often, so each row shows the date we last checked it.
Corda Credit Union's Youth Savings Account earns 6.00% APY on balances up to $2,500. This rate applies to youth account holders and grows their savings with high returns on limited balances.
Youth Savings earns 5.00% APY on the first $1,000 in the account and 0.15% APY on balances above $1,000. This special account encourages thrift and fiscal responsibility for young people under age 18. The account converts to a regular savings account when the member reaches age 18.
Extraco Banks First Savings account earns 5.00% APY on balances up to $5,000, with no minimum deposit required to open. Balances of $5,000 and above earn only 0.50% APY. Rates are tiered and may change after account opening.
North Coast Credit Union offers 5% APY on the first $5,000 in a new Thrive Savings account. The rate applies to new savings accounts opened to help members grow their savings. Balances above $5,000 earn a lower rate.
Primary Savings earns 5.00% APY on balances up to $1,000, with a $5 minimum deposit to open. This is a variable rate that may change at any time at DCU's discretion. Rates are effective as of the date stated on the page.
SoFi Plus members earn 4.50% APY on up to $20,000 in one savings account, and 3.10% on additional balances. The higher rate requires an active paid SoFi Plus subscription at $10 per month. There is no minimum balance requirement, though APY is variable and subject to change.
Neighbors Bank offers 4.10% APY on balances up to $250,000 in its Neighbors Savings Account. Balances exceeding $250,000 earn 0.05% APY. The account is FDIC-insured and limited to one per primary owner, not available in Delaware.
Waterfront Federal Credit Union offers up to 4.07% APY on a high-yield savings account. The rate applies to deposits in this account type. No minimum deposit or other restrictions are stated.
E*TRADE's Premium Savings account pays a 4.00% APY boost for the first 6 months on new accounts opened by September 30, 2026, then reverts to its variable base rate of 3.50%. There is no monthly fee and no minimum balance.
New members earn 4% APY on their first $10,000 for one year with a minimum $500 deposit to open. The promotional rate applies only to the first $10,000; balances above that amount earn a different rate.
Revolut offers 4.00% APY on high-yield savings accounts for standard plan members on balances up to $10,000. The rate is variable and may change at any time. The maximum combined balance across all savings accounts is $250,000 per customer.
Monroe Savings Bank offers 4.00% APY on Advantage Savings accounts for balances up to $5,000. A lower variable rate applies to balances above $5,000. This is an ongoing rate subject to change.
Live Oak Bank's Personal High-Yield Savings account earns 3.90% APY with no minimum deposit required. Interest is earned on balances of $0.01 or more, and rates are subject to change at any time.
Dollar Bank's Smart Savings Account earns 3.75% APY. The page does not state a minimum deposit or balance requirement.
Varo's savings account earns 3.75% APY on balances up to $5,000 and 1.00% APY on amounts above that, when you receive at least $1,000 in direct deposits monthly and end each month with a positive balance. Without meeting these qualifications, the rate drops to 1.00% APY on the full balance.
Garden Savings Accelerate Savings earns 3.75% APY on balances up to $15,000, with no monthly maintenance fee. Balances over $15,000 earn 1.00% APY. This is an ongoing rate with no stated early withdrawal penalty.
Keys Federal Credit Union offers 3.75% APY for 6 months on savings accounts. After the intro period ends, the rate adjusts to the regular rate. This is a promotional offer available to new members.
Marcus by Goldman Sachs pays 3.40% APY on its Online Savings account, with no minimum balance and no fees. The rate is variable and moves with the market, so check the last-checked date before you rely on it.
Acorns Emergency Savings earns 3.35% APY to help your money grow. This is a savings account feature within the Acorns app available to account holders. The page does not state early withdrawal penalties or other restrictions.
Online Personal Savings earns up to 3.30% APY with a $250 minimum opening balance. Interest rate and APY may change after account opening. Fees could reduce earnings.
Avidia Bank offers 3.25% APY on its America 250 Savings account for new customers. The page does not state a minimum deposit or other conditions to earn this rate.
The Village Bank High Yield Savings account earns 3.25% APY on balances up to $4,999,999.99. The account is available to new or existing customers depositing new money not currently or previously on deposit with the bank. Balances above $4,999,999.99 earn a blended rate with the excess earning 0.05% APY.
BMO's online brand, Alto, pays 3.15% APY on its Online Savings account, with no monthly fee and no minimum balance. The rate is variable, so check the last-checked date before you rely on it.
EMpeople Credit Union offers 3.10% APY on high yield savings accounts with a minimum balance of $5,000. This is an ongoing rate for qualifying members.
Lake Trust's Aspire Savings earns 3.00% APY on the first $5,000 in your account. This is an ongoing rate for qualifying members. Balances above $5,000 earn a lower rate.
American Express National Bank pays 3.00% APY on its High Yield Savings account, with no minimum balance and no monthly fee. The rate is variable and applies to all balance tiers.
Frankenmuth Credit Union offers 3.00% APY on its Personal Savings account with no minimum balance requirement and no monthly service fee. Balances up to $50,000 earn this rate. The account is a liquid savings account that links with Kasasa Checking.
The Save'n Up account earns 3% APY on funds accumulated through automatic round-ups of debit card transactions. There is no minimum balance requirement or monthly maintenance fee. Navigator matches 50% of savings for the first 30 days when enrolled in e-statements, then matches 5% quarterly.
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