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
50 savings accounts · Updated August 24, 2026
Best High-Yield Savings — August 2026
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Set your balance and what your bank pays today. Every account shows the real dollars you're missing each year. Switching is free and FDIC-insured.
The best high-yield savings accounts pay around 4.20% APY as of August 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
No paid ranking impact
Showing 50 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 takeOpen with just $100 — earns 4.1% APY.
3
CB
CB
CIT Bank
FDIC insured$100 min
APY
4.10%
+$930
more per year vs your bank
Your bank pays 0.38%+3.72% higher APY
Our take20 bps under our top rate at 4% APY, but a widely recognized brand if you prefer a familiar bank.
4
LE
LE
LendingClubTrusted
FDIC insuredNo minimum
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
Our take$1,000 minimum deposit; earns 4% APY. Minimum deposit required.
5
WS
WS
Western State Bank
FDIC insured$1,000 min
APY
4.00%
+$905
more per year vs your bank
Your bank pays 0.38%+3.62% higher APY
Our take$1,000 minimum deposit; earns 4% APY. Minimum deposit required.
6
VD
VD
Valley Direct
FDIC insured$1,000 min
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 3.99% APY.
7
VB
VB
Vio BankTrusted
FDIC insured$100 min
APY
3.99%
+$903
more per year vs your bank
Your bank pays 0.38%+3.61% higher APY
Our takeStraightforward savers who want a competitive rate, low minimum, and zero monthly fees.
8
BS
BS
Bread SavingsTrusted
FDIC insured$100 min
APY
3.95%
+$893
more per year vs your bank
Your bank pays 0.38%+3.57% higher APY
Our takeFee-averse savers who want a competitive yield with zero balance requirements.
9
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.
10
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 take3.85% APY with no opening minimum — 35 bps below our top pick.
11
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.
12
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.
13
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.
14
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 take40 bps under our top rate at 3.8% APY, but a widely recognized brand if you prefer a familiar bank.
15
WA
WA
Western Alliance BankTrusted
FDIC insured$500 min
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.
16
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 take45 bps under our top rate at 3.75% APY, but a widely recognized brand if you prefer a familiar bank.
17
SM
SM
Sallie Mae BankTrusted
FDIC insuredNo minimum
APY
3.75%
+$843
more per year vs your bank
Your bank pays 0.38%+3.37% higher APY
Our take45 bps under our top rate at 3.75% APY, but a widely recognized brand if you prefer a familiar bank.
18
BB
BB
Bask 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.
19
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.
20
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 takeBest for savers who can meet the $5,000 minimum — earns 3.75% APY.
21
BR
BR
BrioDirect
FDIC insured$5,000 min
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 3.7% APY. Minimum deposit required.
22
EA
EA
EagleBank
FDIC insured$1,000 min
APY
3.70%
+$830
more per year vs your bank
Your bank pays 0.38%+3.32% higher APY
Our take3.61% APY with no opening minimum — 59 bps below our top pick.
23
TB
TB
TAB Bank
FDIC insuredNo minimum
APY
3.61%
+$808
more per year vs your bank
Your bank pays 0.38%+3.23% higher APY
Our take$1,000 minimum deposit; earns 3.52% APY. Minimum deposit required.
24
CB
CB
CIBC Bank USA
FDIC insured$1,000 min
APY
3.52%
+$785
more per year vs your bank
Your bank pays 0.38%+3.14% higher APY
Our takeOpen with just $10 — earns 3.51% APY.
25
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.
26
BA
BA
BarclaysTrusted
FDIC insuredNo minimum
APY
3.50%
+$780
more per year vs your bank
Your bank pays 0.38%+3.12% 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
3.50%
+$780
more per year vs your bank
Your bank pays 0.38%+3.12% 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
3.40%
+$755
more per year vs your bank
Your bank pays 0.38%+3.02% higher APY
Our takeBest if you keep a larger balance — the $25,000 minimum earns 3.38% APY.
29
CB
CB
Customers Bank
FDIC insured$25,000 min
APY
3.38%
+$750
more per year vs your bank
Your bank pays 0.38%+3.00% higher APY
Our takeNo-frills savers who want a competitive rate with zero monthly fees.
30
DO
DO
DollarSavingsDirect
FDIC insured$1 min
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.
31
MY
MY
MySavingsDirect
FDIC insured$1 min
APY
3.35%
+$743
more per year vs your bank
Your bank pays 0.38%+2.97% higher APY
Our takeSavers who want a reliably competitive no-fee rate with optional ATM access for quick withdrawals.
32
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 take94 bps under our top rate at 3.26% APY, but a widely recognized brand if you prefer a familiar bank.
33
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 takeCash App users who receive regular direct deposits and want a high rate without a separate bank account.
34
CA
CA
Cash App
FDIC insured$1 min
APY
3.25%
+$718
more per year vs your bank
Your bank pays 0.38%+2.87% higher APY
Our takeExisting Quontic customers who already know the account terms.
35
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 takeOnline savers in eligible ZIP codes who want no monthly fees. Availability varies by location and is not offered everywhere.
36
PB
PB
PNC BankTrusted
FDIC insuredNo minimum
APY
3.15%
+$693
more per year vs your bank
Your bank pays 0.38%+2.77% higher APY
Our takeOpen with just $100 — earns 3.03% APY.
37
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.
38
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.
39
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 take3% APY with no opening minimum — 120 bps below our top pick.
40
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.
41
CA
CA
Citizens Access
FDIC insuredNo minimum
APY
2.80%
+$605
more per year vs your bank
Your bank pays 0.38%+2.42% higher APY
Our take415 bps under our top rate at 0.05% APY, but a widely recognized brand if you prefer a familiar bank.
42
UB
UB
U.S. BankTrusted
FDIC insuredNo minimum
APY
0.05%
+$-82
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take418 bps under our top rate at 0.02% APY, but a widely recognized brand if you prefer a familiar bank.
43
KE
KE
KeyBankTrusted
FDIC insuredNo minimum
APY
0.02%
+$-90
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take419 bps under our top rate at 0.01% APY, but a widely recognized brand if you prefer a familiar bank.
44
RB
RB
Regions BankTrusted
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take419 bps under our top rate at 0.01% APY, but a widely recognized brand if you prefer a familiar bank.
45
TR
TR
TruistTrusted
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take419 bps under our top rate at 0.01% APY, but a widely recognized brand if you prefer a familiar bank.
46
CI
CI
CitizensTrusted
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.01% APY with no opening minimum — 419 bps below our top pick.
47
FT
FT
Fifth Third BankTrusted
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.01% APY with no opening minimum — 419 bps below our top pick.
48
HB
HB
Huntington BankTrusted
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.01% APY with no opening minimum — 419 bps below our top pick.
49
MB
MB
M&T Bank
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Our take0.01% APY with no opening minimum — 419 bps below our top pick.
50
BM
BM
BMO
FDIC insuredNo minimum
APY
0.01%
+$-92
more per year vs your bank
Your bank pays 0.38%+0.00% higher APY
Updated August 24, 2026·FDIC/NCUA coverage shown where verified·How we rank & verify rates·Our data: Bank Gap Index·Advertising disclosure
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