Best High-Yield Savings Account Rates

7 high-yield savings accounts compared. Sorted by APY (highest first). Sample rates shown — verify each rate at the institution before opening an account.

Rate environment · as of 2026-05-21

Current US high-yield savings account rates

3.80% – 4.10% APY

Typical range across leading online high-yield savings accounts. Rates change frequently — verify the current rate at the institution before opening an account.

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Top US online savings banks

Current rates at these banks may fall outside the range shown above — verify at the institution.

SoFi Checking & Savings
  • · Direct deposit bonus eligible
  • · FDIC insured via partner banks
  • · No monthly fee
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Marcus by Goldman Sachs
  • · Same-day transfers (limits apply)
  • · No minimum balance
  • · No monthly fee
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Synchrony Bank
  • · Optional ATM card
  • · No minimum balance
  • · No monthly fee
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American Express National Bank
  • · No minimum balance
  • · Telephone customer service
  • · No monthly fee
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Discover Bank
  • · 24/7 customer service
  • · No minimum balance
  • · No monthly fee
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Ally Bank
  • · Buckets feature for goals
  • · No minimum balance
  • · No monthly fee
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Capital One 360
  • · No minimum balance
  • · Branch + cafe access
  • · No monthly fee
Visit →

These are widely-recognized banks offering high-yield savings accounts. APYCalculator does not earn commissions on links from this site and is not affiliated with any of these institutions.

Want to understand this account type first?

Compare current high-yield savings account rates from major US banks. Learn how HYSAs work, how FDIC insurance protects your deposits, and what to verify before opening an account.

→ Read the full High-Yield Savings Account guide