Saved copy from November 9, 2026 · 27 verified
Best high-yield savings rates on November 9, 2026: up to 4.40% APY
APY is the interest you earn in one year. By SwitchWize Research Desk. Every rate on this page came from the bank's own website. How we check
Rates change often, so this saved copy may be out of date. See today's rates.
Every account below shows what that amount would earn in a year at today's rate. Rates can change at any time.
What matters most?
PiBank pays 4.40%. That is $440 a year on $10,000.
$402 more than an average savings account would earn ($38).
See PiBankShowing 7 of 27 accounts, best rate first.
Verified: checked against the bank's own page. The thin line on each bar marks what an average account earns.
- 1
PiBank
Pibank Savings
4.40%
APY
$440 a year
To open $0Monthly fee $0Proof and fine print
Variable rate; the interest rate and APY can change at any time without notice.
No minimum balance is required to open the account or to maintain the stated APY.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:35 AM ET. See the bank's own page
- 2
Peak Bank
Envision High Yield Savings
4.27%
APY
$427 a year
To open $100Monthly fee $0New customers onlyRate changes with balanceProof and fine print
Variable rate; APY may change at any time without notice. The advertised APY is for new accounts only. Balances of $500,000 and above earn 3.40% APY instead.
$100 minimum deposit to open the account; no minimum balance requirement is stated for earning interest.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:35 AM ET. See the bank's own page
- 3
EverBank
EverBank Performance Savings
4.20%
APY
$420 a year
To open $0Monthly fee $0New customers onlyProof and fine print
Variable rate; APY may change without notice. The quoted APY is for new accounts only and may not apply to existing accounts. Can only be opened online or by phone.
No minimum opening deposit; the page says no minimum balance is required to earn interest.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:32 AM ET. See the bank's own page
- 4
Zynlo Bank
ZYNLO Tomorrow Savings Account
4.10%
APY
$410 a year
To open $0Monthly fee $0Proof and fine print
APY is subject to change without notice.
No minimum deposit to open; $0.01 minimum balance to earn the APY.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:37 AM ET. See the bank's own page
- 5
Apple Bank
My Reserve Savings Account
4.00%
APY
$400 a year
To open $1,000Monthly fee $0New customers onlyProof and fine print
Variable rate; the APY may be changed by the bank at any time, including after account opening. Headline rate requires new money not already on deposit at Apple Bank. Balances over $1,000,000 earn only 0.01%.
$1,000 of new money is required to open the account; a $1.00 minimum daily balance is needed to earn the stated APY.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:31 AM ET. See the bank's own page
- 6
EagleBank
Eagle High-Yield Savings Account
4.00%
APY
$400 a year
To open $1,000Monthly fee $0Proof and fine print
Variable rate; may change at any time without notice and is not guaranteed until the account is opened. The page refers to a disclosure for interest rate tiers.
$1,000 minimum opening deposit; the page does not state a minimum balance requirement.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:30 AM ET. See the bank's own page
- 7
Sallie Mae Bank
Sallie Mae High-Yield Savings Account
4.00%
APY
$400 a year
To open $0Monthly fee $0Proof and fine print
Variable rate; the APY may change after account opening.
No minimum balance or minimum deposit is required.
Insured by the FDIC (bank).
We checked this on November 9, 2026 at 6:36 AM ET. See the bank's own page
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Common questions about savings rates
What is the best high-yield savings rate today?
In our latest check on November 9, 2026, the best rate was 4.40% APY at PiBank (Pibank Savings). We checked 27 accounts against each bank's own page. These rates are variable, so they can change at any time.
How much interest will $10,000 earn in a high-yield savings account?
At 4.40% APY, $10,000 earns about $440 in a year if the rate stays the same. At the 0.38% national average, the same $10,000 earns about $38.
Which savings account pays the most with no minimum and no catches?
PiBank pays 4.40% APY, needs $0 to open, and has no special conditions in its fine print.
What does APY mean?
APY stands for annual percentage yield. It is the interest you earn in one year, including interest on the interest you have already earned. A higher APY means more money for the same savings.
Is the highest rate always the best choice?
Not always. Some top rates only apply to new customers, need monthly deposits, or change with your balance. Read the fine print on each account, and check that the bank or credit union is insured.
Is my money safe in a high-yield savings account?
Money at an FDIC-insured bank, or an NCUA-insured credit union, is protected up to $250,000 per person, per bank, per type of account. Check that the bank or credit union is insured before you open an account.
How often is this page updated?
We recheck every rate against the bank's own page each day. We only call a list current for 36 hours. The latest check shown here was November 9, 2026.
Did any bank change its rate since yesterday?
No. All 24 accounts we compared kept the same rate.
New on our list: Langley FCU, Ridgewood Savings Bank, CIT Bank.
Compared with our check on November 8, 2026.
The Fed raised rates. Are savings rates going up?
Some are. The Federal Reserve raised its rate by 0.25 points on September 16, 2026, but banks decide for themselves whether to pass that on. So far 33 of the 85 savings accounts we track have raised their rate.
See if your bank passed it onHow the best rate has moved
Green is the best rate each day. Gray is the typical rate, where half of the accounts pay more and half pay less.
How we check these rates
- We read each rate from the bank's own page and keep a saved copy of the exact words as proof. If we cannot confirm a rate, we leave that account out.
- Every rate on this page came from the bank's own website. We recheck every day, and we only call the list current for 36 hours.
- We rank by APY and nothing else.
- The average account rate (0.38%) is the FDIC's national savings rate, published through the Federal Reserve's FRED database.
- See a wrong rate? Tell us and we will check it. You can also read our full method or use the free data feed.