Best High-Yield Savings Accounts

Up to $400 welcome bonus + 3.80% APY with rate boost

• High-yield savings — 3.10% APY base + a limited time 0.70% rate boost
• Sign-up bonus of $50 or $400 based on direct deposit
• Earn interest on your checking (0.50%) with free transfers from savings

Special Offer 4.00% Variable APY for 3 Months

• New customers get an APY boost of 0.75% for 3 months
• Unlimited withdrawals with no fees on cash
• Base rate of 3.25% variable APY as of 12/12/25

Maximize your savings with competitive rates and a promotional APY boost.

• Top rate of 4.10% APY for 6 months when you add promo code CITBOOST on balances of $5,000 or more (a 0.35% APY boost)
• No transaction limits — use it like a checking account and still earn savings rates
• Even the lowest tier earns 0.25% APY, which is 25x the 0.01% APY many big banks still pay

CNBC's #1 High-Yield Savings Account

• High-yield savings — 3.40% APY base with no fees or minimums
• Up to $250,000 of FDIC insurance
• No deposit requirements, no fees, and no minimums

Up to $1,500 just for opening the account

• High-yield savings — 4.00% APY base with no fees or minimums
• Up to $250,000 of FDIC insurance
• No deposit requirements, no fees, and no minimums

A reliable, fee-free savings account backed by premium 24/7 customer service.

• Earn a highly competitive 3.10% APY to watch your money grow faster than average
• Absolutely no monthly maintenance fees and no minimum balance required to open or maintain the account
• Access to American Express's top-tier, 24/7 customer support

Earn top-tier APY with no monthly fees

• Competitive high APY on your entire balance
• No monthly maintenance, opening, or activity fees
• Requires a minimum deposit of $500 to open

Earn 3.00% APY with zero fees and no minimums.

• Got about 5 minutes? That’s all the time it takes to open an account.
• There are no monthly fees to get between you and your money. Zero never sounded so good.
• With 24/7 access to your account, you can bank on your own schedule.

Earn competitive yield and organize your goals with no monthly fees

• High-yield savings APY when you unlock Cash App Green
• No monthly maintenance fees or minimum opening balance requirements
• Set separate savings goals to organize your funds

Earn a top-tier rate by building a healthy monthly savings habit.

• Earn a competitive 4.00% APY (LevelUp Rate) when you deposit at least $250 per month
• $0 minimum balance requirement to open or maintain the account
• Absolutely no monthly maintenance fees

A straightforward, high-yield account with zero fees and no minimums.

• Earn a highly competitive 3.80% APY on your entire balance
• Absolutely no monthly maintenance fees and no minimum deposit requirement to open the account
• Allows unlimited savings transfers, giving you easy access to your funds without transaction limits (up to $250,000 per day)

Earn a highly competitive rate backed by a 192-year-old financial institution.

• Earn a highly competitive 3.85% APY on balances of $2,500 or more
• Absolutely no monthly maintenance fees
• Includes a free, built-in Money Management tool to budget, track spending, and view your net worth across external accounts

Lock in predictable, guaranteed returns with zero market guesswork.

• Earn up to a 4.20% APY with fixed-dividend rates that shield your money from market swings
• Choose flexible options including a 7-Month Term (4.20% APY) or an 11-Month Term (4.15% APY)
• Requires a low minimum balance of just $100 to open and maintain the account

Maximize your yield and earn a massive cash bonus through the Raisin marketplace.

• Earn a top-tier 4.10% APY on your savings balance
• Access exclusive welcome bonuses up to $1,200 when opening through the Raisin platform
• Open your account with just a $1 minimum deposit

Competitive APY with innovative "buckets" to organize your money

• High APY applied to all balance tiers
• Zero monthly maintenance fees and no opening deposit required
• Sort your money into custom "buckets" for specific savings goals

A foundational account to build your emergency fund

• Standard APY to get your savings started
• Requires a minimum deposit of $50 to open
• The monthly fee is easily waivable

Lock in a guaranteed high yield with a fixed annuity

• Guaranteed high APY for set multi-year terms
• Requires a $1,000 minimum deposit to open
• Allows penalty-free withdrawals of up to 10% per year