Our Top Choice
1
9.6Exceptional
- APY
- 3.20%
- Min. Deposit
- $0
- Monthly Fee
- $0
Savings Accounts
Best High-Yield Savings Accounts 2026
Make your money work for you with top APYs, no monthly fees and FDIC insurance.
Last updated: October 23, 2026 ·
Highest APY
2
CIT Bank
Platinum Savings - up to 4.25% APY with boost
- 0.50% APY boost for 6 months
- No monthly fees
- Balances up to $10M
9.4Excellent
- APY
- Up to 4.25%
- Min. Deposit
- $100
- Monthly Fee
- $0
3
Marcus by Goldman Sachs
Online Savings - 3.65% APY
- No minimum deposit
- Same-day transfers
- Rate boost referrals
9.2Excellent
- APY
- 3.65%
- Min. Deposit
- $0
- Monthly Fee
- $0
4
9.1Excellent
- APY
- 3.50%
- Min. Deposit
- $0
- Monthly Fee
- $0
5
9.0Excellent
- APY
- 3.40%
- Min. Deposit
- $0
- Monthly Fee
- $0
6
9.0Excellent
- APY
- 3.45%
- Min. Deposit
- $0
- Monthly Fee
- $0
Simple Savings Calculator
Savings Interest Calculator (Compound APY)
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About savings accounts
High-yield savings accounts from online banks pay many times the national average while keeping your cash safe and liquid. We compare APY, minimum deposits and fees so you can pick the right home for your emergency fund or short-term goals.
How we rate
Every brand is scored by our editors on:
- APY
- Fees
- Accessibility
- Digital Experience
- Customer Service
Savings Accounts guides
How High-Yield Savings Accounts Work
Why online banks pay so much more than the big brick-and-mortar banks, and how to pick one.
October 19, 2026 · 5 minHow Big Should Your Emergency Fund Be?
The three-to-six-month rule explained, plus where to keep your safety net.
October 12, 2026 · 4 minCapital One 360 vs. CIT Platinum Savings
Two of our top-rated savings accounts go head to head on rate, minimums and convenience.
October 5, 2026 · 6 min