Best High-Yield Savings Accounts in 2026: top APYs, ranked
Every issuer named, ranked by APY. Rates re-verified against issuer rate sheets and the major June 2026 rate trackers (many issuer pages render rates via JavaScript). Last verified June 13, 2026.
Top 19 High-Yield Savings Accounts
Last verified: June 13, 2026| Rank | Issuer | APY | Min. Open | Monthly Fee | Debit | ATM | Trend |
|---|---|---|---|---|---|---|---|
| 1 | Bread Savings High-Yield Savings | 4.00% | $100 | $0 | No | No | ▲ Up |
| 2 | LendingClub High-Yield Savings | 4.00% | $0 | $0 | No | No | — Stable |
| 3 | EverBank Performance Savings | 3.90% | $0 | $0 | No | No | ▲ Up |
| 4 | Sallie Mae High-Yield Savings | 3.85% | $0 | $0 | No | No | — Stable |
| 5 | Western Alliance High-Yield Savings (via Raisin) | 3.80% | $1 | $0 | No | No | — Stable |
| 6 | SoFi High-Yield Savings | 3.80% | $0 | $0 | Yes | Yes | — Stable |
| 7 | CIT Bank Platinum Savings | 3.75% | $100 | $0 | No | No | — Stable |
| 8 | BrioDirect High-Yield Savings | 3.75% | $25 | $0 | No | No | — Stable |
| 9 | Marcus by Goldman Sachs Online Savings Account | 3.40% | $0 | $0 | No | No | ▼ Down |
| 10 | Synchrony High Yield Savings | 3.40% | $0 | $0 | No | Yes | ▼ Down |
| 11 | Citizens Access Online Savings | 3.35% | $0 | $0 | No | No | ▼ Down |
| 12 | Wealthfront Cash Cash Account | 3.30% | $1 | $0 | Yes | Yes | — Stable |
| 13 | Discover Online Savings | 3.30% | $0 | $0 | No | No | ▼ Down |
| 14 | UFB Direct Portfolio Savings | 3.26% | $0 | $0 | Yes | Yes | ▼ Down |
| 15 | Betterment Cash Reserve Cash Reserve | 3.25% | $10 | $0 | No | No | — Stable |
| 16 | American Express Personal Savings High Yield Savings | 3.10% | $0 | $0 | No | No | ▼ Down |
| 17 | Ally Bank Online Savings | 3.00% | $0 | $0 | No | No | ▼ Down |
| 18 | BMO Alto Online Savings Account | 3.00% | $0 | $0 | No | No | ▼ Down |
| 19 | Capital One 360 Performance Savings | 3.00% | $0 | $0 | No | No | ▼ Down |
Quick notes per issuer
$100 minimum to open. No monthly fees. FDIC insured via Comenity Capital Bank.
View at Bread→4.00% APY requires depositing at least $250 per statement cycle; 3.00% APY without. No minimums or fees. FDIC insured.
View at LendingClub→Formerly TIAA Bank. No minimums or fees. Same rate on all balances. FDIC insured.
View at EverBank→Offered through the Raisin marketplace. No minimum balance to earn the rate. FDIC insured.
View at Western→Top rate requires direct deposit (includes a limited-time boost); lower without. Debit card and ATM access. FDIC insured.
View at SoFi→3.75% APY on balances of $5,000 or more; far lower below that. No monthly fee. FDIC insured.
View at CIT→No minimums, no fees. FDIC insured. One of the most consistently competitive HYSAs.
View at Marcus→Online-only arm of Citizens Bank. Penny minimum to open. FDIC insured.
View at Citizens→FDIC-insured through partner banks via a sweep program. Debit card available. Optional boost with direct deposit.
View at Wealthfront→Rare HYSA with debit card and ATM access. $0 minimum. FDIC insured via Axos Bank.
View at UFB→FDIC-insured via partner bank sweep. No debit card. New-client promotional boosts available.
View at Betterment→No minimums, no fees. Transfer-only access. Good for set-and-forget savers. FDIC insured.
View at American→Most popular online bank. Excellent mobile app. No fees or minimums. Savings buckets feature.
View at Ally→Methodology
We re-verify each APY against the issuer's own rate sheet where it is published in readable form, and otherwise against the major rate trackers (Bankrate, NerdWallet, DepositAccounts) for the same week -- many issuer pages render their rate via JavaScript and cannot be read directly. Every row includes the issuer's source URL. Promotional and tiered rates are flagged in the per-row notes. Rates change frequently; confirm the current figure on the issuer's page before opening.
We rank by APY descending. Tie-breaking uses minimum opening deposit (lower wins) then fee (lower wins). We do not accept payment for ranking position. Sponsored links (if present) are clearly disclosed with rel=sponsored and an inline note.