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Best High-Yield Savings Accounts of 2026

Earn significantly more on your savings than a traditional bank. These online savings accounts offer competitive APYs, no monthly fees, and FDIC insurance up to $250,000.

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Why switch to a high-yield account?

The national average savings rate is 0.46% APY. High-yield accounts currently offer 4–5% APY — that is 10x more interest on the same balance, with the same FDIC protection as your current bank.

Best no-annual-fee card

UFB Direct High Yield Savings

UFB Direct

5.25%
APY
Annual FeeNone
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Best no-annual-fee card

Bread Savings High-Yield Savings

Bread Financial

5.15%
APY
Annual FeeNone
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Best no-annual-fee card

CIT Bank Platinum Savings

CIT Bank

5%
APY
Annual FeeNone
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Best no-annual-fee card

Synchrony High-Yield Savings

Synchrony Bank

4.75%
APY
Annual FeeNone
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Best no-annual-fee card

Synchrony High Yield Savings

Synchrony

4.75%
APY
Annual FeeNone
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Best no-annual-fee card

SoFi High-Yield Savings

SoFi

4.6%
APY
Annual FeeNone
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Best no-annual-fee card

SoFi High-Yield Savings Account

SoFi

4.6%
APY
Annual FeeNone
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Best no-annual-fee card

Marcus High-Yield Savings

Goldman Sachs

4.5%
APY
Annual FeeNone
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Best no-annual-fee card

American Express High Yield Savings

American Express

4.35%
APY
Annual FeeNone
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Best no-annual-fee card

Ally Online Savings

Ally Bank

4.35%
APY
Annual FeeNone
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APY rates shown are current estimates and subject to change without notice. This is not financial advice. Always verify current rates with the financial institution before opening an account.