Our takeOur top rate at 4.2% APY, no opening minimum — best for rate chasers comfortable with a smaller online bank.
1
NB
NB
Newtek BankTop rate
FDIC insuredNo minimum
APY
4.20%
+$955
more per year vs your bank
Your bank pays 0.38%+3.82% higher APY
57 savings accounts · Updated September 24, 2026
Best High-Yield Savings — September 2026
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The best high-yield savings accounts pay around 4.20% APY as of September 2026.
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How we rankWe rank by total value — not the headline teaser rateSponsored offers are labeled and never ranked higher for payingEvery account here is FDIC-insured to $250,000Methodology →
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Your balance$25,000
Your bank pays0.38%
Or enter exact
%
Annual opportunity
$955/yr
The top account pays 4.20% APY — 11x your current rate. Switching is free and FDIC-insured.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: APY, no-fee structure, minimum balance, FDIC/NCUA insurance, and opening friction.
Proof of math
Why Newtek Bank is currently ranked first here
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Showing 57 savings accounts
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Our take4.1% APY with no opening minimum — 10 bps below our top pick.
2
PI
PI
PiBank
FDIC insuredNo minimum
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
Our take4.01% APY with no opening minimum — 19 bps below our top pick.
3
VB
VB
Vio BankTrusted
FDIC insuredNo minimum
APY
4.01%
+$908
more per year vs your bank
Your bank pays 0.38%+3.63% higher APY
Our take4.01% APY with no opening minimum — 19 bps below our top pick.
4
PB
PB
Peak Bank
FDIC insuredNo minimum
APY
4.01%
+$908
more per year vs your bank
Your bank pays 0.38%+3.63% higher APY
Our take4% APY with no opening minimum — 20 bps below our top pick.
5
EA
EA
EagleBank
FDIC insuredNo minimum
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
Our take4% APY with no opening minimum — 20 bps below our top pick.
6
WS
WS
Western State Bank
FDIC insuredNo minimum
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
Our takeOpen with just $100 — earns 4% APY.
7
AC
AC
Accordia
FDIC insured$100 min
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
8
BS
BS
Bread SavingsTrusted
FDIC insuredNo minimum
APY
3.95%
+$893
more per year vs your bank
Your bank pays 0.38%+3.57% higher APY
Our take3.95% APY with no opening minimum — 25 bps below our top pick.
9
TB
TB
TAB Bank
FDIC insuredNo minimum
APY
3.95%
+$893
more per year vs your bank
Your bank pays 0.38%+3.57% higher APY
Our take30 bps under our top rate at 3.9% APY, but a widely recognized brand if you prefer a familiar bank.
10
BB
BB
Bask BankTrusted
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
11
EV
EV
EverBankTrusted
FDIC insuredNo minimum
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
Our takeOpen with just $100 — earns 3.9% APY.
12
PD
PD
Popular DirectTrusted
FDIC insured$100 min
APY
3.90%
+$880
more per year vs your bank
Your bank pays 0.38%+3.52% higher APY
Our take35 bps under our top rate at 3.85% APY, but a widely recognized brand if you prefer a familiar bank.
13
SM
SM
Sallie Mae BankTrusted
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our take3.85% APY with no opening minimum — 35 bps below our top pick.
14
ON
ON
Old National BankTrusted
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our take3.85% APY with no opening minimum — 35 bps below our top pick.
15
ZB
ZB
Zynlo Bank
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our takeOpen with just $1 — earns 3.85% APY.
16
CF
CF
Colorado Federal Savings Bank
FDIC insured$1 min
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our take3.85% APY with no opening minimum — 35 bps below our top pick.
17
FB
FB
Forbright Bank
FDIC insuredNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our takeOpen with just $1 — earns 3.85% APY.
18
PB
PB
Primis Bank
FDIC insured$1 min
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our take3.85% APY with no opening minimum — 35 bps below our top pick.
19
TC
TC
Texas Capital
FDIC insured via bank partnerNo minimum
APY
3.85%
+$868
more per year vs your bank
Your bank pays 0.38%+3.47% higher APY
Our take40 bps under our top rate at 3.8% APY, but a widely recognized brand if you prefer a familiar bank.
20
WA
WA
Western Alliance BankTrusted
FDIC insuredNo minimum
APY
3.80%
+$855
more per year vs your bank
Your bank pays 0.38%+3.42% higher APY
Our take$500 minimum deposit; earns 3.8% APY. Minimum deposit required.
21
OP
OP
Openbank
FDIC insured$500 min
APY
3.80%
+$855
more per year vs your bank
Your bank pays 0.38%+3.42% higher APY
Our take3.75% APY with no opening minimum — 45 bps below our top pick.
22
AB
AB
Axos BankTrusted
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our take3.75% APY with no opening minimum — 45 bps below our top pick.
23
PA
PA
Prime Alliance Bank
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our take3.75% APY with no opening minimum — 45 bps below our top pick.
24
BR
BR
BrioDirect
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our take$1,000 minimum deposit; earns 3.75% APY. Minimum deposit required.
25
CB
CB
CIBC Bank USA
FDIC insured$1,000 min
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our take3.75% APY with no opening minimum — 45 bps below our top pick.
26
CB
CB
CIT Bank
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our takeE*TRADE brokerage customers wanting seamless cash integration and a fee-free high-yield savings account.
27
ET
ET
E*TRADE
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our takeFee-averse savers who want a no-minimum, no-fee account with daily compounding from a trusted brand.
28
MB
MB
Marcus by Goldman SachsTrusted
FDIC insuredNo minimum
APY
3.65%
+$818
more per year vs your bank
Your bank pays 0.38%+3.27% higher APY
Our take3.63% APY with no opening minimum — 57 bps below our top pick.
29
CB
CB
Customers Bank
FDIC insuredNo minimum
APY
3.63%
+$813
more per year vs your bank
Your bank pays 0.38%+3.25% higher APY
Our takeWealthfront investors and savers who want a top-tier rate with expanded FDIC coverage and seamless investment integration.
30
WE
WE
WealthfrontTrusted
FDIC insuredNo minimum
APY
3.55%
+$793
more per year vs your bank
Your bank pays 0.38%+3.17% higher APY
Our takeOpen with just $10 — earns 3.51% APY.
31
SF
SF
Salem Five Direct
FDIC insured$10 min
APY
3.51%
+$783
more per year vs your bank
Your bank pays 0.38%+3.13% higher APY
Our take70 bps under our top rate at 3.5% APY, but a widely recognized brand if you prefer a familiar bank.
32
BE
BE
BettermentTrusted
FDIC insuredNo minimum
APY
3.50%
+$780
more per year vs your bank
Your bank pays 0.38%+3.12% higher APY
Our takeNo-frills savers who want a competitive rate with zero monthly fees.
33
DO
DO
DollarSavingsDirect
FDIC insuredNo minimum
APY
3.35%
+$743
more per year vs your bank
Your bank pays 0.38%+2.97% higher APY
Our takeSavers seeking a no-fee, no-minimum HYSA without the need for branch access.
34
MY
MY
MySavingsDirect
FDIC insuredNo minimum
APY
3.35%
+$743
more per year vs your bank
Your bank pays 0.38%+2.97% higher APY
Our take90 bps under our top rate at 3.3% APY, but a widely recognized brand if you prefer a familiar bank.
35
SO
SO
SoFiTrusted
FDIC insured via bank partnerNo minimum
APY
3.30%
+$730
more per year vs your bank
Your bank pays 0.38%+2.92% higher APY
Our takeSavers who want a reliably competitive no-fee rate with optional ATM access for quick withdrawals.
36
SY
SY
SynchronyTrusted
FDIC insuredNo minimum
APY
3.30%
+$730
more per year vs your bank
Your bank pays 0.38%+2.92% higher APY
Our take3.3% APY with no opening minimum — 90 bps below our top pick.
37
VD
VD
Valley Direct
FDIC insuredNo minimum
APY
3.30%
+$730
more per year vs your bank
Your bank pays 0.38%+2.92% higher APY
Our take94 bps under our top rate at 3.26% APY, but a widely recognized brand if you prefer a familiar bank.
38
UD
UD
UFB DirectTrusted
FDIC insuredNo minimum
APY
3.26%
+$720
more per year vs your bank
Your bank pays 0.38%+2.88% higher APY
Our take100 bps under our top rate at 3.2% APY, but a widely recognized brand if you prefer a familiar bank.
39
BA
BA
BarclaysTrusted
FDIC insuredNo minimum
APY
3.20%
+$705
more per year vs your bank
Your bank pays 0.38%+2.82% higher APY
Our takeExisting Quontic customers who already know the account terms.
40
QB
QB
Quontic Bank
FDIC insured$100 min
APY
3.20%
+$705
more per year vs your bank
Your bank pays 0.38%+2.82% higher APY
Our take3.2% APY with no opening minimum — 100 bps below our top pick.
41
FB
FB
Flagstar Bank
FDIC insuredNo minimum
APY
3.20%
+$705
more per year vs your bank
Your bank pays 0.38%+2.82% higher APY
Our takeAmex cardholders and savers who want a no-fee, no-minimum high-yield account from a trusted brand.
42
AE
AE
American ExpressTrusted
FDIC insuredNo minimum
APY
3.10%
+$680
more per year vs your bank
Your bank pays 0.38%+2.72% higher APY
Our takeOpen with just $100 — earns 3.03% APY.
43
AB
AB
Apple Bank
FDIC insured$100 min
APY
3.03%
+$663
more per year vs your bank
Your bank pays 0.38%+2.65% higher APY
Our takeDigital-first savers who want a no-fee account with goal-tracking tools from a well-known brand.
44
AL
AL
AllyTrusted
FDIC insuredNo minimum
APY
3.00%
+$655
more per year vs your bank
Your bank pays 0.38%+2.62% higher APY
Our take120 bps under our top rate at 3% APY, but a widely recognized brand if you prefer a familiar bank.
45
CO
CO
Capital OneTrusted
FDIC insuredNo minimum
APY
3.00%
+$655
more per year vs your bank
Your bank pays 0.38%+2.62% higher APY
Our takeSavers who can consistently deposit $250+ per month and want a top-tier rate with no fees.
46
LE
LE
LendingClubTrusted
FDIC insured via bank partnerNo minimum
APY
3.00%
+$655
more per year vs your bank
Your bank pays 0.38%+2.62% higher APY
Our take120 bps under our top rate at 3% APY, but a widely recognized brand if you prefer a familiar bank.
47
NB
NB
NBKC BankTrusted
FDIC insuredNo minimum
APY
3.00%
+$655
more per year vs your bank
Your bank pays 0.38%+2.62% higher APY
Our take3% APY with no opening minimum — 120 bps below our top pick.
48
AB
AB
Alto Bank
FDIC insuredNo minimum
APY
3.00%
+$655
more per year vs your bank
Your bank pays 0.38%+2.62% higher APY
Our take2.8% APY with no opening minimum — 140 bps below our top pick.
49
CA
CA
Citizens Access
FDIC insuredNo minimum
APY
2.80%
+$605
more per year vs your bank
Your bank pays 0.38%+2.42% higher APY
Our take2.5% APY with no opening minimum — 170 bps below our top pick.
50
EW
EW
East West Bank
FDIC insuredNo minimum
APY
2.50%
+$530
more per year vs your bank
Your bank pays 0.38%+2.12% higher APY
Our take2% APY with no opening minimum — 220 bps below our top pick.
51
WB
WB
Wintrust Bank
FDIC insuredNo minimum
APY
2.00%
+$405
more per year vs your bank
Your bank pays 0.38%+1.62% higher APY
Our takeCash App users who receive regular direct deposits and want a high rate without a separate bank account.
52
CA
CA
Cash App
FDIC insuredNo minimum
APY
1.50%
+$280
more per year vs your bank
Your bank pays 0.38%+1.12% higher APY
Our take0.25% APY with no opening minimum — 395 bps below our top pick.
53
FH
FH
First Horizon BankTrusted
FDIC insuredNo minimum
APY
0.25%
+$-32
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.15% APY with no opening minimum — 405 bps below our top pick.
54
SB
SB
SouthState BankTrusted
FDIC insuredNo minimum
APY
0.15%
+$-57
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.1% APY with no opening minimum — 410 bps below our top pick.
55
HB
HB
HSBC BankTrusted
FDIC insuredNo minimum
APY
0.10%
+$-70
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.1% APY with no opening minimum — 410 bps below our top pick.
56
FC
FC
First Citizens Bank
FDIC insuredNo minimum
APY
0.10%
+$-70
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our takeOpen with just $50 — earns 0.05% APY.
57
WS
WS
Washington Savings Bank
FDIC insured$50 min
APY
0.05%
+$-82
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Updated September 24, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure
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