Updated July 5, 2026

Compare top high-yield savings accounts for 2026

Today's top HYSA rates from the largest and most-trusted U.S. banks and online-only leaders. Sorted by APY. All accounts are FDIC-insured up to $250,000 per depositor.

HYSAVariable
SoFi logo

SoFi

HYSA

APY as of 7/5/2026

4.25%

Min. deposit

$0

Type

Savings

Note: Requires direct deposit for top APY

HYSAVariable
Forbright Bank logo

Forbright Bank

High-Yield Savings

APY as of 7/5/2026

4.15%

Min. deposit

$0

Type

Savings
HYSAVariable
CIT Bank logo

CIT Bank

Platinum Savings

APY as of 7/5/2026

4.10%

Min. deposit

$100

Type

Savings
HYSAVariable
Peak Bank logo

Peak Bank

Envision High-Yield Savings

APY as of 7/5/2026

4.01%

Min. deposit

$100

Type

Savings
HYSAVariable
Vio Bank logo

Vio Bank

Savings Account

APY as of 7/5/2026

4.01%

Min. deposit

$100

Type

Savings
HYSAVariable
Happen Bank logo

Happen Bank

LevelUp Savings

APY as of 7/5/2026

4.00%

Min. deposit

$0

Type

Savings
HYSAVariable
Bread Savings logo

Bread Savings

Savings Account

APY as of 7/5/2026

3.95%

Min. deposit

$100

Type

Savings
HYSAVariable
Limelight Bank logo

Limelight Bank

High-Yield Savings

APY as of 7/5/2026

3.90%

Min. deposit

$100

Type

Savings
HYSAVariable
EverBank logo

EverBank

Performance Savings

APY as of 7/5/2026

3.90%

Min. deposit

$0

Type

Savings
HYSAVariable
Popular Direct logo

Popular Direct

Exclusive Savings

APY as of 7/5/2026

3.90%

Min. deposit

$100

Type

Savings
HYSAVariable
Colorado Federal Savings Bank logo

Colorado Federal Savings Bank

High Yield Savings

APY as of 7/5/2026

3.80%

Min. deposit

$1

Type

Savings
HYSAVariable
Openbank logo

Openbank

Savings Account

APY as of 7/5/2026

3.80%

Min. deposit

$500

Type

Savings
HYSAVariable
Live Oak Bank logo

Live Oak Bank

Personal Savings Account

APY as of 7/5/2026

3.80%

Min. deposit

$0

Type

Savings
HYSAVariable
Marcus by Goldman Sachs logo

Marcus by Goldman Sachs

HYSA

APY as of 7/5/2026

3.40%

Min. deposit

$0

Type

Savings

Note: No fees, no minimum, FDIC insured

HYSAVariable
American Express logo

American Express

HYSA

APY as of 7/5/2026

3.10%

Min. deposit

$0

Type

Savings

Note: No fees, no minimums

HYSAVariable
Ally Bank logo

Ally Bank

HYSA

APY as of 7/5/2026

3.00%

Min. deposit

$0

Type

Savings

Note: No fees, no minimums

APYs shown are representative and may differ from the bank's current published rate. Always confirm with the institution before opening an account.