Best High Interest Savings Accounts 2026
Other
Apr 3 8:52 pm
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