High-Yield Savings · May 2026

The best savings account pays 4.40% APY.

Rate WatchBiggest moves in the last 7 days
PiBank4.40%leader
Newtek Bank4.20%unchanged
LendingClub4.00%-0.40

We rank 46 high-yield accounts daily. Your bank probably pays 0.46%.

FDIC insuredNo affiliate biasNo credit pull
If you parked $25,000Updated today
$985/year you're losing
Top pick: best available · 4.40% APY
Over 5 years that's $4,925 in lost interest — enough for a vacation.
Top 3 — Independently ranked

The three accounts worth your time

Ranked by composite score: rate + trust + ease

#1 · Best overall
PI
PiBank

PiBank

PiBank High Yield Savings

4.40%APY
+3.94% vs avg
Why #1: Online-first savers who want straightforward FDIC-insured savings with competitive rates.
Open account →
#2 · Runner-up
NB
Newtek Bank

Newtek Bank

Newtek Bank High Yield Savings

4.20%APY
+3.74% vs avg
Why #2: Rate-focused savers who want a top-tier APY with no monthly fees from an FDIC-insured bank.
Open account →
#3 · Third pick
LE
LendingClub

LendingClub

LendingClub High Yield Savings

4.00%APY
+3.54% vs avg
Why #3: Savers who can consistently deposit $250+ per month and want a top-tier rate with no fees.
Open account →

Showing 46 of 46 high-yield savings

PiBank

PiBank High Yield Savings

4.40%
APY
+3.94% vs avg
#1 PickBest for no minimums
$0 minimumNo monthly feeFDIC insured

Newtek Bank

Newtek Bank High Yield Savings

4.20%
APY
+3.74% vs avg
Easiest to openBest for no minimums
$0 minimumNo monthly feeFDIC insured

LendingClub

LendingClub High Yield Savings

4.00%
APY
+3.54% vs avg
Easiest to openBest for no minimums
$0 minimumNo monthly feeFDIC insured

Vio Bank

Vio Bank High Yield Savings

4.03%
APY
+3.57% vs avg
Best of both
$100 minimumNo monthly feeFDIC insured

Bread Savings

Bread Savings High Yield Savings

4.00%
APY
+3.54% vs avg
Best of both
$100 minimumNo monthly feeFDIC insured

CIT Bank

CIT Bank High Yield Savings

4.10%
APY
+3.64% vs avg
Steady pick
$100 minimumNo monthly feeFDIC insured

EverBank

EverBank High Yield Savings

3.90%
APY
+3.44% vs avg
Easiest to open
$0 minimumNo monthly feeFDIC insured

Popular Direct

Popular Direct High Yield Savings

3.90%
APY
+3.44% vs avg
Simple saver
$100 minimumNo monthly feeFDIC insured

Openbank

Openbank High Yield Savings

4.00%
APY
+3.54% vs avg
Reliable
$500 minimumNo monthly feeFDIC insured

Western Alliance Bank

Western Alliance Bank High Yield Savings

3.80%
APY
+3.34% vs avg
Good rate
$500 minimumNo monthly feeFDIC insured
1 / 5
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