Best high-yield savings accounts
The savings accounts we cover — from top-rate online banks to flexible cash accounts. Pick the one that matches how you like to save.
SoFi Checking & Savings
Up to 4.20% APY and up to a $400 welcome offer
Western Alliance Bank High-Yield Savings
Top-tier APY with no monthly fees, via Raisin
Betterment Cash Reserve
Special offer: 4.25% APY until February 15, 2027
Capital One 360 Performance Savings
Top-tier APY with zero fees and no minimums
Axos ONE®
Up to 5.00% APY on savings for 6 months
Live Oak Bank High-Yield Savings
A straightforward 3.80% APY with zero fees and no minimums
Ivy Bank High-Yield Savings
A 4.00% APY backed by a 192-year-old institution, with built-in budgeting tools
Quorum Federal Credit Union Term Savings
Lock in up to 4.20% APY with a fixed-term, NCUA-insured account
American Express® High Yield Savings
A reliable, fee-free 3.10% APY backed by premium 24/7 customer service
EverBank High-Yield Savings (via Raisin)
A top-tier 4.10% APY plus a cash bonus up to $1,200 through Raisin
Ally Bank Online Savings
Competitive APY with "buckets" to organize your money
Synchrony Bank
3.50% APY with no fees or minimums
Raisin + Centier Bank
Up to $1,500 just for opening the account
Cash App Savings
Competitive yield and savings goals with no monthly fees
Gainbridge FastBreak Annuity
Lock in a guaranteed high yield with a fixed annuity
Truist One Savings
A foundational account to build your emergency fund
Happen Bank LevelUp Savings
Earn 4.00% APY for a low $250/month deposit habit
Ivy Bank 1-Year CD
Lock in a 4.05% APY for one year with a $1,000 minimum, FDIC insured
For most people, the best account is the highest rate you will actually keep money in. If you want top APY, look at Western Alliance or SoFi; if you want simple automation, Ally and Capital One are hard to beat.