High-yield savings, ranked by APY and access
APY is the headline, but the account only works if the money is still there when you need it. Every account below is listed with its published APY, minimum balance, and fee structure, and every rate carries the date it was checked.
- Best rate
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Sorted by highest apy. Open a row for fees, terms, and the rate source.
Provider-published rates onlyNo verified offers in this category yet.
We only list products whose published rates we can verify. This category is being populated now.
See other categoriesHow we make money. LendyWendy does not get paid a commission on any product listed on this page today. Ranking is based on published rates, fees, and terms. If a product on this page starts paying us, this disclosure will name it before the link goes live. Rates and terms are set by the provider and can change without notice. Confirm every number on the provider's site before you apply.
What to understand before you compare high-yield savings
A high-yield savings account is a deposit account, not an investment. The principal does not fluctuate, the rate is variable, and withdrawals are usually unlimited, though some banks limit transfers per statement.
The difference between 0.40% and 4.00% APY is roughly $3,600 a year on $100,000. That gap is the entire reason to move cash out of a branch account.
Other categories: Credit Cards · Personal Loans · Mortgage rates
Common questions
Is a high-yield savings APY guaranteed?+
No. Savings APYs are variable and move with the federal funds rate. A promotional APY can expire after a fixed period, and the account then reverts to a lower rate. The note under each rate says whether the APY is standard or promotional.
Is my money insured?+
Deposits at an FDIC-insured bank are covered up to $250,000 per depositor, per bank, per ownership category. Credit union deposits are covered by the NCUA at the same limit. Confirm the charter before depositing more than the limit.
Why do online banks pay more than branches?+
They carry less branch and staffing cost, so they can pass more of the deposit margin back as interest. The tradeoff is usually no cash deposits and limited in-person service.
Should I lock a CD instead?+
A CD pays a fixed rate for a fixed term, which helps when rates are falling but locks the money up. A savings account stays liquid at a variable rate. Splitting between the two is common when the rate outlook is unclear.
How we rank
Three rules govern every table on this site. They are the reason a product can be listed without paying for placement, and the reason a high payout never moves a row up.
Total cost first
Every product is scored on what it costs to hold or repay, not on the size of the welcome offer. For loans that means APR plus fees. For cards that means annual fee plus the rate on a carried balance. For savings that means APY net of minimums and fees.
Published terms only
Rates come from the provider's own published terms. Each number carries a source link and the date it was checked. If a provider does not publish the number, the field stays empty instead of being estimated.
Compensation never ranks
Placement is computed from published rates, fees, and terms before any compensation data is applied. A product with no affiliate program can rank first, and a high payout never moves a row up.