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Best Savings Rates

A high-yield savings account can be a safe place to earn interest on your money while keeping it easily accessible for emergencies and planning for economic downturns. In addition to a high annual percentage yield (APY), the best high-yield savings accounts don’t charge fees and have low minimum deposit requirements. All of the savings' accounts listed below are from FDIC banks or NCUA credit unions.

Boost your savings with a Marcus Online Savings Account
Marcus Logo

Online Savings

APY

Min. balance for APY

BONUS

3.65%

$0

N/A

  • Backed by the financial expertise of Goldman Sachs

  • No Fees. No minimum deposit

  • Contact center available 24 hours a day / 7 days a week

  • Same-day transfers of $100,000 or less to/from other banks

on Marcus site

Member FDIC

Supercharge your savings and earn up to 4.00% APY.
Sofi Logo

4.00%

APY

Min. balance for APY

$0

BONUS

Up to $300

High Yield Savings

  • Earn up to $300 and +0.70% Boost on standard Savings 3.30% APY, terms apply, click Learn More to review term

  • Access up to $3 Million in FDIC insurance through their partner network

  • Zero Account Fees

on SoFi site

Member FDIC

Earn up to 4.00% APY and get a $200 Bonus
Barclays logo

Tiered Savings

APY

Min. balance for APY

BONUS

3.85%

$0

$200

  • Earn 4.00% when you deposit $250,000 or more

  • Get a $200 Bonus when you open a Tiered Savings account, deposit $30,000 and keep that balance for 120 days, see terms

  • No Monthly Fees

on Barclays site

Member FDIC

Earn more interest than your average savings account and enjoy the convenience you expect from American Express.
AmEx Logo

Amex Savings

  • Transfer funds, set up auto-deposits, and manage your account online.

  • 24/7 Customer Support

  • No Monthly Fees

on American Express site

3.30%

APY

Min. balance for APY

$0

BONUS

N/A

Member FDIC

Set new winter goals in motion
synchrony financial logo

APY

Min. balance for APY

BONUS

3.65%

$0

N/A

High Yield Savings

  • Banking anytime, anywhere with online options to make banking easier

  • No minimum deposit

  • No minimum balance

  • No monthly fees

on Synchrony site

Member FDIC

Grow your savings with a high-yield rate
CapOne Logo

360 Performance Savings

APY

Min. balance for APY

BONUS

3.30%

$0

N/A

  • No monthly or maintenance fees, you keep what you earn

  • No minimum to open or keep your online savings account

  • No worries, your balance is FDIC-insured up to the allowable limits.

on Cap One site

Member FDIC

Looking for more information on savings accounts?
Not sure if a savings account is the best product for you?
Check out a few of our Blog posts below, or better yet, check out the full Blog page.

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Rate & APY Disclosure
APYs are accurate as of 01/13/2026 and are subject to change at any time without notice. Minimum balance requirements may apply, and fees can reduce earnings. Please review the full terms and conditions of any account before opening. Rates, terms, and product availability may vary by state and are subject to eligibility requirements. Some offers may not be available in all locations. Complete account details are available on each financial institution’s website by clicking the “Learn More” button. 

 

Affiliate Disclosure
SavySaver may receive compensation from partner financial institutions when users click links or open accounts through this website. This compensation does not affect how products are rated or reviewed. Our editorial content and comparisons are designed to help consumers understand their savings options and make informed decisions using publicly available information. Irrespective of whether an institution or professional is a paid partner, the presence of information on SavySaver does not constitute a referral or endorsement of the institution or professional by us or vice versa. Not all financial institutions or products available in the marketplace are included on this site.

 

Educational Purpose & No Advice Disclaimer
The information provided on this website is for educational and informational purposes only and should not be construed as financial, investment, tax, or legal advice. Individual financial circumstances vary, and readers should consult a qualified professional before making financial decisions. 

 

Independence & Platform Disclosure
SavySaver is not a bank, credit union, insurance company, or investment advisor. We do not open accounts, accept deposits, hold funds, or provide financial products directly. All accounts and products are offered and serviced by third-party financial institutions.

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