Best High Interest Savings Accounts 2026

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All of these bank accounts listed have no fees and are FDIC insured for up to $250,000. If any of them have minimums, or geographic limitations I listed them. –

• CineFi: 4.25%
• OnPath CU – 4.25% elite money market ($25k minimum; $100 bonus)
• Timbr – 4.15% bold savings
• 316 Financial – 4.05% savings
• Vio Bank – 4.02% APY online savings
• MyBankingDirect – 4.02% APY savings
• TotalBank – 4.01% money market (balances $2,500-$500,000; void in in FL)
• Quontic – 4.00% money market
• Openbank/Santander – 4.00% high yield savings
• Comenity ‘Bread’ – 4.00% APY savings
• Brilliant – 4.00% surge money market ($1,000 minimum)
• Colorado Federal – 4.00%/4.05% APY savings
• Adelfi CU – 4.00% high-yield money market (max $100k; rate lock for 12 months)
• Limelight – 4.00% high yield savings
• Zynlo – 3.90% money market
• Western Alliance – 3.90% high yield savings
• Popular Direct – 3.90% APY savings
• Prime Alliance – 3.90% savings
• Ivy Bank – 3.85% savings ($2,500 minimum; nationwide except for CA)
• Forbright Bank – 3.85% savings
• Zynlo – 3.85% savings
• Oloy – 3.85% high yield savings
• Redneck Bank / All America Bank – 3.85% APY money market, up to $100,000
• Primis Bank – 3.85% APY savings
• Hustl Financial – 3.80% money market
• CFG Bank – 3.80% APY high-yield money market (must maintain minimum $1,000)
• Live Oak Bank – 3.80% APY savings
• TAB Bank – 3.80% high yield savings
• Poppy Bank – 3.75% premier savings ($25k monthly withdraw limit)
• Presidential Bank – 3.75% Advantage Savings ($5k-$250k; requires checking)
• BrioDirect – 3.75% high yield savings (minimum $5,000 to open)
• First Foundation – 3.75% online savings
• Axos – 3.75% summit savings
• Bask – 3.75% savings account
• CIT Bank – 3.75% platinum savings ($5,000 minimum)
• Sallie Mae – 3.70% APY money market
• Primis Bank – 3.70% APY checking
• CIBC – 3.66% APY savings (minimum $1,000)
• Synchrony – 3.65% APY savings
• Apple Card/Goldman Sachs – 3.65% savings
• Marcus Bank – 3.65% APY savings
• Salem Five Direct – 3.61% APY eOne savings
• NASB – 3.60% E-Savings (check incognito) ($10,000 minimum)
• Merchants Bank – 3.50% APY money market
• Laurel Road – 3.50% high yield savings
• Northern Bank – 3.50% money market premier
• U.S. Bank – 3.50% Smartly savings
• Customers Bank – 3.48% savings ($25k minimum)(auto-adjusts with fed rate)
• Republic Bank – 3.46% APY money market (minimum $2,500)(nationwide except IL, IN, WI, MI)
• UFB – 3.40% APY savings account
• American Express – 3.20% APY savings account
• E*Trade – 3.35% APY savings
• One Finance – 3.35% savings ($5,000 minimum, $100,000 max)
• Lending Club Banking – 3.30% APY high yield savings
• Capital One 360 – 3.20% APY savings
• Public – 3.30% high yield cash account
• Wealthfront – 3.30% APY cash account
• Betterment – 3.25% saving account
• Ally Bank – 3.20% APY savings or money market
• Citizens Access – 3.15% APY savings account
• TradeUp – 3.14% Cash+ program ($100k minimum)
• Wise – 3.14% interest feature
• Vanguard – 3.10% Cash Plus account
• Alliant Credit Union – 3.01% APY savings
• Empower/Personal Capital – 3.00% APY cash account
• PenFed – 2.70% APY premium savings
• Fidelity – 1.84% cash management account
• Chime – 1.00% savings
• American Express – 1.00% APY checking account
• First Fed – 4.00% on balances up to $50,000 (when paired with checking)
• Vibrant CU – 4.00% checking on balances up to $25,000
• Leader Bank – 4.75% Zeugma Plus Savings (requires $1k DD + 3 debit)
• PiBank – 4.60% savings
•  First Internet Bank – 4.16% money market with balances of $1M+
• Farmers Insurance FCU – 4.00% 9 month no-penalty CD (membership via ACC)
• USAlliance – 3.90% 11-month no penalty CD
• Alumnifi – 4.00% savings with $100k balance (join with $10 donation to DDF)
• Marcus – 3.95% APY 11-month no penalty CD
• Climate First Bank – 4.01% Impact Checking (requires DD and e-statements)
• Robinhood – 3.75% APY for those with Gold membership ($5/month)
• Ally Bank – 3.30% 11-month no penalty CD