Best High-Yield Savings Accounts of 2026
High-yield savings accounts offer significantly better APY than traditional banks. These accounts deliver the best returns on your cash with minimal fees.
How We Rank
Accounts are ranked using category-specific criteria. Each account earns points for APY, fee structure, and features that matter most for this use case. Learn more about our methodology →
Wealthfront Cash Account
by WealthfrontWealthfront Cash Account from Wealthfront offers a competitive 4.20% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #1
- Strong 4.20% APY
- No monthly fees
- FDIC insured
CIT Bank Platinum Savings
by CIT BankCIT Bank Platinum Savings from CIT Bank offers 3.75% APY with no monthly fees and a $100 minimum opening deposit. Interest compounds daily and the account is FDIC insured.
Why it's #2
- Competitive 3.75% APY
- No monthly fees
- FDIC insured
Barclays Tiered Savings Account
by BarclaysBarclays Tiered Savings Account from Barclays offers 3.65% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #3
- Competitive 3.65% APY
- No monthly fees
- FDIC insured
CIT Bank Savings Connect Account
by CIT BankCIT Bank Savings Connect Account from CIT Bank offers 3.65% APY with no monthly fees and a $100 minimum opening deposit. Interest compounds daily and the account is FDIC insured.
Why it's #4
- Competitive 3.65% APY
- No monthly fees
- FDIC insured
Marcus by Goldman Sachs High Yield Savings
by Goldman SachsMarcus by Goldman Sachs High Yield Savings from Goldman Sachs offers 3.40% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #5
- Competitive 3.40% APY
- No monthly fees
- FDIC insured
Synchrony High Yield Savings
by SynchronySynchrony High Yield Savings from Synchrony offers 3.40% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #6
- Competitive 3.40% APY
- No monthly fees
- FDIC insured
UFB Secure Savings
by UFB DirectUFB Secure Savings from UFB Direct offers 3.26% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #7
- Competitive 3.26% APY
- No monthly fees
- FDIC insured
American Express High Yield Savings
by American ExpressAmerican Express High Yield Savings from American Express offers 3.10% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #8
- Competitive 3.10% APY
- No monthly fees
- FDIC insured
SoFi Checking and Savings
by SoFiSoFi Checking and Savings from SoFi offers 3.10% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #9
- Competitive 3.10% APY
- No monthly fees
- FDIC insured
Ally Bank High Yield Savings
by Ally BankAlly Bank High Yield Savings from Ally Bank offers 3.00% APY with no monthly fees and no minimum balance requirement. Interest compounds daily and the account is FDIC insured.
Why it's #10
- Competitive 3.00% APY
- No monthly fees
- FDIC insured