SwitchWizeFinancial Decisions, Made Clearer

27 verified rates, highest first · Updated November 9, 2026

27 verified (read from the bank's own page and dated), 28 more tracked (read by our scrapers, not yet checked on the bank's page).

Best savings rates of November 2026 (up to 4.40%)

See exactly what your savings should be earning

Set your balance and what your bank pays today. Compare the potential difference, then check each account's terms and deposit insurance before switching.

The best high-yield savings accounts pay around 4.40% APY as of November 2026.

Looking to lock a rate?Compare CDs →Today's rates, checked daily →
RankingCheck the ordering, source dates and account terms.

APY is the yearly rate you earn, including interest on your interest.

Personalize: see what you would earn at your bankbalance, current rate, state taxes
Your balance$25,000
Your bank pays0.38%
Or enter exact
%
Possible gain per year
$1,005/yr
The top verified account pays 4.40% APY — 12x your current rate. Confirm account fees and deposit insurance before switching.

Proof of math

Why PiBank is currently ranked first here

No paid ranking impact

Your current rate

0.38% current rate

Best available

4.40% APY at PiBank

You could earn more

$1,005

per year · $84/mo

How we calculated this

$25,000 × (4.40% - 0.38%) ÷ 100

Assumptions

  • •$25,000 comparison balance.
  • •0.38% current rate entered on this page.
  • •Annualized simple-interest estimate before taxes.

Safety & friction

FDIC Insured~10 min setup

Confirm deposit insurance and account ownership with the institution before opening.

Deposit accounts are intended for liquid cash, subject to account transfer limits and processing times.

Why ranked here: Rank is based on current APY, fees, minimums, trust signals, and the active filters on this page.

Freshness: 55 savings accounts tracked by SwitchWize, checked November 9, 2026

As of October 15, 2026, SwitchWize has a Grasshopper Bank partner relationship through Fintel Connect, and some partner links may compensate SwitchWize.

Rates and terms can change. Verify account details before opening.

See your earnings after taxes
See what you're actually eligible forEstimated from each bank's published terms — verify with the institution before opening an account.
Showing 55 savings accounts
Filters available:
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Our takeOur top rate at 4.4% APY, no opening minimum — best for rate chasers comfortable with a smaller online bank, no monthly fee.
1
PiBankTop rateVerified Nov 9
FDIC insuredNo minimumChecked Nov 9Up from 4.25%
APY
4.40%
+$1,005
more per year vs your bank
Your bank pays 0.38%+4.02% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our take$500 minimum deposit; earns 4.35% APY. Minimum deposit required.
2
OpenbankTracked
FDIC insured$500 minChecked Nov 9Up from 4.15%
APY
4.35%
+$993
more per year vs your bank
Your bank pays 0.38%+3.97% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our takeOpen with just $100 — earns 4.27% APY, no monthly fee.
3
Peak BankVerified Nov 9
FDIC insured$100 minChecked Nov 9
APY
4.27%
+$972
more per year vs your bank
Your bank pays 0.38%+3.89% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
4
EverBankVerified Nov 9Trusted
FDIC insuredNo minimumChecked Nov 9No change in 30 days
APY
4.20%
+$955
more per year vs your bank
Your bank pays 0.38%+3.82% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our take4.2% APY with no opening minimum — 20 bps below our top pick.
5
Newtek BankTracked
FDIC insuredMinimum not verifiedChecked Nov 9No change in 30 days
APY
4.20%
+$955
more per year vs your bank
Your bank pays 0.38%+3.82% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our take4.2% APY with no opening minimum — 20 bps below our top pick.
6
Western State BankTracked
FDIC insuredMinimum not verifiedChecked Nov 9No change in 30 days
APY
4.20%
+$955
more per year vs your bank
Your bank pays 0.38%+3.82% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our take4.1% APY with no opening minimum — 30 bps below our top pick, no monthly fee.
7
Zynlo BankVerified Nov 9
FDIC insuredNo minimumChecked Nov 9Up from 3.85%
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our takeOpen with just $100 — earns 4.1% APY.
8
AccordiaTracked
FDIC insured$100 minChecked Nov 9Up from 4.00%
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
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Our take4.06% APY with no opening minimum — 34 bps below our top pick.
9
Vio BankTrackedTrusted
FDIC insuredMinimum not verifiedChecked Nov 9Up from 4.01%
APY
4.06%
+$920
more per year vs your bank
Your bank pays 0.38%+3.68% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
10
Bread SavingsTrackedTrusted
FDIC insuredMinimum not verifiedChecked Nov 9No change in 30 days
APY
4.05%
+$918
more per year vs your bank
Your bank pays 0.38%+3.67% higher APY
Open account

You'll leave SwitchWize. Verify terms on provider site.

Full review·
Updated November 9, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure

Tools

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Frequently asked questions

What is a high-yield savings account?
A high-yield savings account (HYSA) pays significantly more interest than a traditional savings account. The headline rates currently sit several percentage points above the national average. See the rate card above for today's best APY.
Are high-yield savings accounts safe?
Yes. Every HYSA on this list is FDIC insured up to $250,000 per depositor. Your money is protected even if the bank fails.
How often do HYSA rates change?
HYSA rates are variable and typically move with the Federal Reserve benchmark rate. We review rate observations regularly and link to provider terms for verification.
Is there a penalty for withdrawing from a HYSA?
No. Unlike CDs, HYSAs have no withdrawal penalties. Most banks now allow unlimited transfers.

Learn

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Best Savings Accounts by Switching Friction 2026

High-Yield Savings moved 1 time in the last 30 days
Current spread: 0.38% national average → 4.40% best tracked rate
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