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Best High Yield Savings Accounts – up to 5.00% APY

List of the best high interest yield accounts, we list ALL high interest accounts – get up to 5.02% on savings accounts and 5.50% on CDs

By Chuck24,770 comments

Here’s a list of the best high interest savings accounts. Get up to 5.10% APY with a basic savings account. There are also accounts with requirements that pay even more. We don’t receive any commissions for any of these, and ALL banks are included in this list.

Best Basic Savings Rates

Leaving money in a regular bank account will usually get you a terrible interest rate. With a little research, we can find accounts that offer competitive rates. These are all ordinary savings accounts with no hoops to jump through, and they are FDIC/NCUA insured up to $250,000.

Please verify insured status for yourself with FDIC and with NCUA before using a bank or credit union. Also please read this article about the FDIC insurance on fintech banks as well. 

Here are the best options available, rated in APY from highest to lowest:

  1. Elevault – 4.34% savings (see this comment)
  2. Intouch CU – 4.25% (discussion)
  3. Valorfi CU – 4.25% (available in most states) (discussion)
  4. Neighbors Bank – 4.25% high yield savings
  5. Newtek Bank – 4.20% savings 
  6. Greenwood – 4.15% savings
  7. Timbr – 4.15% bold savings
  8. Oloy – 4.15% high yield savings ($25k minimum)
  9. 316 Financial – 4.05% savings ($100 checking bonus)
  10. Credit One – 4.05% savings (min. $100,000)
  11. CFG Bank – 4.05% APY high-yield money market (must maintain minimum $1,000)
  12. Climate First Bank – 4.01% super duper savings (e-statements)
  13. TotalBank – 4.01% money market (balances $2,500-$500,000; not available in FL)
  14. Peak Bank – 4.01% Envision savings (new accounts)
  15. WSB – 4.01% digital high yield savings (minimum $25k)
  16. Live Oak Bank – 4.00% APY savings ($300 bonus)
  17. Bank5 – 4.00% money market 
  18. CineFi: 4.00% (some discussion here)
  19. OnPath CU – 4.00% elite money market ($25k minimum; $100 bonus)(see this comment)
  20. Brilliant – 4.00% surge money market ($1,000 minimum)
  21. Limelight – 4.00% high yield savings
  22. Western State Bank – 4.00% online savings
  23. First Bank of the Lake – 4.00% high yield savings (discussion)
  24. Badass Bank – 4.00% money market (discussion)
  25. Roger Bank – 4.00% savings
  26. Ivy Bank – 4.00% savings ($2,500 minimum; nationwide except for CA)
  27. Vio Bank – 3.99% APY online savings
  28. Comenity ‘Bread’ – 3.95% APY savings
  29. TAB Bank – 3.95% high yield savings
  30. Zynlo – 3.90% money market 
  31. Everbank – 3.90% performance savings (new accounts) 
  32. Popular Direct – 3.90% APY savings (see this comment)
  33. Prime Alliance – 3.90% savings 
  34. Quontic – 3.90% money market
  35. Forbright Bank – 3.85% savings (4.15% new customers)
  36. Zynlo – 3.85% savings ($100 bonus)
  37. Primis Bank – 3.85% APY savings (review)
  38. Merchants Bank – 3.82% APY money market
  39. Colorado Federal – 3.80-3.85% APY savings 
  40. Openbank/Santander – 3.80% high yield savings ($180 Verizon Wireless bonus)(.35% boost for new customers)
  41. Western Alliance – 3.80% high yield savings (review)
  42. Galaxy One – 3.75% high yield cash/checking (DoC post)
  43. Hustl – 3.75% money market
  44. Poppy Bank – 3.75% premier savings ($25k monthly withdraw limit)
  45. Presidential Bank – 3.75% Advantage Savings ($5k-$250k; requires checking)
  46. BrioDirect – 3.75% high yield savings (minimum $5,000 to open)
  47. First Foundation – 3.75% online savings
  48. Axos – 3.75% summit savings
  49. Bask – 3.75% savings account
  50. CIT Bank – 3.75% platinum savings ($5,000 minimum)(see this post)
  51. CIBC – 3.75% APY savings (minimum $1,000)
  52. E*Trade – 3.75% APY savings ($400 bonus + 4.25% intro rate)
  53. Sallie Mae – 3.70% APY money market
  54. Primis Bank – 3.70% APY checking (review)
  55. Barclays – 3.65% tiers savings (4.00% AARP + $200 bonus)
  56. Redneck Bank / All America Bank – 3.60% APY money market, up to $100,000 (review)
  57. NASB – 3.60% E-Savings (check incognito) ($10,000 minimum) (see this comment)
  58. Wealthfront – 3.55% cash account (boost offers: 1, 2)
  59. Salem Five Direct – 3.51% APY eOne savings (see this comment)
  60. Marcus Bank – 3.50% APY savings (1% APY referral bonus for 90 days)
  61. Laurel Road – 3.50% high yield savings
  62. Northern Bank – 3.50% money market premier
  63. U.S. Bank – 3.50% Smartly savings (but existing customers get a lower rate)
  64. Betterment – 3.50% saving account (our review)(temporary .75% boost)
  65. Empower/Personal Capital – 3.50% APY cash account (our review)
  66. Republic Bank – 3.46% APY money market (minimum $2,500)(nationwide except IL, IN, WI, MI)
  67. Fulton – 3.45% money market ($10,000 minimum) 
  68. Apple Card/Goldman Sachs – 3.40% savings (our review)
  69. Valley Direct – 3.40% APY savings (14,450 MyPoints signup bonus; 4.00% new customer rate)
  70. Wise – 3.40% interest feature
  71. Customers Bank – 3.38% savings ($25k minimum)(auto-adjusts with fed rate)
  72. MooMoo – 3.35% cash sweep (be sure to activate first)
  73. One Finance – 3.35% savings ($5,000 minimum, $100,000 max)(review)
  74. Vanguard – 3.35% Cash Plus account
  75. Synchrony – 3.30% APY savings (Paypal version here)
  76. Public – 3.30% high yield cash account
  77. Upgrade – 3.30% APY everyday/premier/performance savings (minimum $1,000)(see this comment)
  78. UFB – 3.26% APY savings account (see this comment and this)
  79. Huntington – 3.25% money market (minimum $25,000)
  80. TradeUp – 3.14% Cash+ program ($100k minimum)
  81. American Express – 3.10% APY savings account
  82. Alliant Credit Union – 3.01% APY savings
  83. Lending Club Banking/Happen – 3.00% high yield savings (see below for another option)
  84. Capital One 360 – 3.10% savings
  85. Ally Bank – 3.10% APY savings or money market
  86. Citizens Access – 2.80% APY savings account
  87. PenFed – 2.70% APY premium savings
  88. T-Mobile Money – 2.50% APY savings for anyone (4% on up to $3,000 for T-Mobile customers; our review)
  89. Fidelity – 1.84% cash management account
  90. Chime – .75% savings
  91. American Express – 1.00% APY checking account (our review)

Other Basic Options

All of these rates will fluctuate over time, and we’re constantly updating this list. There is an advantage to a bank who has a proven track record of giving good interest rates since some of the top rates might be ‘bait-and-switch’ soon to be lowered. Banks like CFG, CIT, Marcus, Ally and some others have been known to offer competitive interest rates for many years. Their rates will also fluctuate but will likely always be a good rate. See also What’s The Best Simple High-Yield Savings Account?

Another thing to keep in mind is that while most banks automatically increase your rate as interest rates increase, some don’t. We wrote data points on which do and which don’t here. Keep that in mind when choosing a bank.

Most of these are savings accounts, with a few checking accounts mixed in. We wrote about options for getting a high yield on your checking account in this post.

Alternative High-Yield Options

Best CD Rates

Nationwide CD Offers:

11 Months or Less

12-18 Months

19+ Months

Best Business Savings Rates

Requirement High-Interest (Nationwide)

Aside from basic accounts offering competitive interest rates, there are ultra high-yield options which are more involved and take time and patience to deal with. Bear in mind, all of the best options have velocity limits, sometimes it’s $5k, $10k, $15k, or $20k. You’ll never be netting more than $1,000 in annual interest from any of these accounts, and it’s usually much less than that. Someone who is impatient or doesn’t have spare time would best use a standard high-interest savings account options and forget about the velocity-limited accounts.

Below you’ll find all mega high interest accounts which are available nationwide, and in the next segment we list the regional options.

Highlights:

All others:

More Restrictive Options:

Requirement High-Interest (Regional)

Below are the regional accounts we’ve reviewed on the site. There are many more as well.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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