{"id":321932,"date":"2026-04-03T20:52:17","date_gmt":"2026-04-04T00:52:17","guid":{"rendered":"https:\/\/www.freestufftimes.com\/free-money\/?p=321932"},"modified":"2026-04-03T20:52:17","modified_gmt":"2026-04-04T00:52:17","slug":"best-high-interest-savings-accounts-2026","status":"publish","type":"post","link":"https:\/\/www.freestufftimes.com\/free-money\/best-high-interest-savings-accounts-2026\/","title":{"rendered":"Best High Interest Savings Accounts 2026"},"content":{"rendered":"<p>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. &#8211;<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"https:\/\/cinefi.com\/savings\/\" >CineFi<\/a>: 4.25%<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.beonpath.org\/elite-money-market\" >OnPath CU<\/a> \u2013 4.25% elite money market ($25k minimum; $100 bonus)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/timbrfinancial.com\/\" >Timbr<\/a>\u00a0\u2013 4.15% bold savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/bank316.com\/personal\/interest-savings\" >316 Financial<\/a> \u2013 4.05% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.viobank.com\/online-savings-account\" >Vio Bank<\/a>\u00a0\u2013 4.02% APY online savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.mybankingdirect.com\/Products\/HighYieldSavings\" >MyBankingDirect<\/a> \u2013 4.02% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.totalbank.com\/personal\/money-market-accounts\" >TotalBank<\/a> \u2013 4.01% money market (balances $2,500-$500,000; void in in FL)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.quontic.com\/banking\/savings\/money-market-account\/\" >Quontic<\/a>\u00a0\u2013 4.00% money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.openbank.us\/banking\/high-yield-savings-account\" >Openbank\/Santander<\/a> \u2013 4.00% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/direct.comenity.com\/products\/high-yield-savings-account\" >Comenity \u2018Bread\u2019<\/a>\u00a0\u2013 4.00% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.brilliant.bank\/saving\/\" >Brilliant<\/a>\u00a0\u2013 4.00% surge money market ($1,000 minimum)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.coloradofederalbank.com\/deposits\" >Colorado Federal<\/a>\u00a0\u2013 4.00%\/4.05% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.adelfibanking.com\/personal\/checking-savings\/savings\" >Adelfi CU<\/a>\u00a0\u2013 4.00% high-yield money market (max $100k; rate lock for 12 months)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/limelightbank.com\/\" >Limelight<\/a> \u2013 4.00% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/zynlobank.com\/\" >Zynlo<\/a> \u2013 3.90% money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.westernalliancebancorporation.com\/personal-banking\/high-yield-savings-account\" >Western Alliance<\/a> \u2013 3.90% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.populardirect.com\/products\/savings\" >Popular Direct<\/a> \u2013 3.90% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.primealliancebank.com\/personal-savings#1\" >Prime Alliance<\/a>\u00a0\u2013 3.90% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.ivybank.com\/savings\" >Ivy Bank<\/a> \u2013 3.85% savings ($2,500 minimum; nationwide except for CA)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.forbrightbank.com\/personal-banking\/growth-savings\/\" >Forbright Bank<\/a>\u00a0\u2013 3.85% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/zynlobank.com\/\" >Zynlo<\/a> \u2013 3.85% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.oloybank.com\/savings\/high-yield-savings-account\" >Oloy<\/a>\u00a0\u2013 3.85% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/redneck.bank\/\" >Redneck Bank<\/a>\u00a0\/\u00a0<a target=\"_blank\" href=\"https:\/\/allamerica.bank\/personal\/banking\/checking\/mega-money-market-checking\" >All America Bank\u00a0<\/a>\u2013 3.85% APY money market, up to $100,000<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/primisbank.com\/personal-savings\/primis-savings-accounts\/\" >Primis Bank\u00a0<\/a>\u2013 3.85% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/hustlfinancial.com\/\" >Hustl Financial<\/a> \u2013 3.80% money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.cfg.bank\/personal-banking\/personal-deposit-rates\/\" >CFG Bank<\/a>\u00a0\u2013 3.80% APY high-yield money market (must maintain minimum $1,000)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.liveoakbank.com\/personal-banking\/personal-savings\/\" >Live Oak Bank<\/a> \u2013 3.80% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.tabbank.com\/tab-save-high-yield-savings\/\" >TAB Bank<\/a>\u00a0\u2013 3.80% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.poppy.bank\/poppy-premier-online-savings-faqs\/\" >Poppy Bank<\/a>\u00a0\u2013 3.75% premier savings ($25k monthly withdraw limit)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.presidential.com\/personal\/banking\/savings\" >Presidential Bank<\/a>\u00a0\u2013 3.75% Advantage Savings ($5k-$250k; requires checking)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.briodirectbanking.com\/\" >BrioDirect<\/a>\u00a0\u2013 3.75% high yield savings (minimum $5,000 to open)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/openaccount.firstfoundationinc.com\/products\/onlineSavings\" >First Foundation<\/a>\u00a0\u2013 3.75% online savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.axosbank.com\/pages\/summit-savings\" >Axos<\/a>\u00a0\u2013 3.75% summit savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.baskbank.com\/products\/interest-savings-account\" >Bask<\/a>\u00a0\u2013 3.75% savings account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.cit.com\/cit-bank\/bank\/savings\/platinum-savings-account\" >CIT Bank<\/a> \u2013 3.75% platinum savings ($5,000 minimum)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.salliemae.com\/banking\/money-market-account\/\" >Sallie Mae<\/a>\u00a0\u2013 3.70% APY money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/primisbank.com\/personal-checking\/primis-premium\/\" >Primis Bank<\/a> \u2013 3.70% APY checking<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/us.cibc.com\/en\/personal\/savings\/agility-savings.html\" >CIBC<\/a>\u00a0\u2013 3.66% APY savings (minimum $1,000)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.synchronybank.com\/banking\/high-yield-savings\/?UISCode=0000000\" >Synchrony<\/a> \u2013 3.65% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/learn.applecard.apple\/savings\" >Apple Card\/Goldman Sachs<\/a> \u2013 3.65% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.marcus.com\/us\/en\/savings\/high-yield-savings\" >Marcus Bank<\/a> \u2013 3.65% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.salemfivedirect.com\/#eonesavings\" >Salem Five Direct<\/a> \u2013 3.61% APY eOne savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.nasb.com\/banking\/resources\/account-rates\" >NASB<\/a> \u2013 3.60% E-Savings (check incognito) ($10,000 minimum)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.merchantsbankofindiana.com\/money-market\/\" >Merchants Bank<\/a>\u00a0\u2013 3.50% APY money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.laurelroad.com\/healthcare-banking\/high-yield-savings-account\/\" >Laurel Road<\/a>\u00a0\u2013 3.50% high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.northernbankdirect.com\/\" >Northern Bank<\/a>\u00a0\u2013 3.50% money market premier<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.usbank.com\/bank-accounts\/savings-accounts\/bank-smartly-savings.html\" >U.S. Bank<\/a> \u2013 3.50% Smartly savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.customersbank.com\/personal-banking\/personal-savings\/\" >Customers Bank<\/a>\u00a0\u2013 3.48% savings ($25k minimum)(auto-adjusts with fed rate)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/republicebank.com\/personal\/digital-money-market\/\" >Republic Bank<\/a> \u2013 3.46% APY money market (minimum $2,500)(nationwide except IL, IN, WI, MI)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.ufbdirect.com\/Savings?item=\/savings\/ufb-savings&amp;user=extranet%5CAnonymous&amp;site=UFB\" >UFB<\/a> \u2013 3.40% APY savings account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-us\/banking\/online-savings\/high-yield-savings-account\/\" >American Express<\/a> \u2013 3.20% APY savings account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/us.etrade.com\/bank\/premium-savings-account\" >E*Trade<\/a> \u2013 3.35% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.onepay.com\/cash\" >One Finance<\/a> \u2013 3.35% savings ($5,000 minimum, $100,000 max)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.lendingclub.com\/personal\/account-rates\" >Lending Club Banking<\/a> \u2013 3.30% APY high yield savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.capitalone.com\/bank\/savings-accounts\/online-savings-account\/\" >Capital One 360<\/a>\u00a0\u2013 3.20% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/public.com\/high-yield-cash-account\" >Public<\/a>\u00a0\u2013 3.30% high yield cash account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.wealthfront.com\/cash\" >Wealthfront<\/a>\u00a0\u2013 3.30% APY cash account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.betterment.com\/checking-savings\/\" >Betterment<\/a>\u00a0\u2013 3.25% saving account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.ally.com\/bank\/savings-account-rates\/\" >Ally Bank<\/a>\u00a0\u2013 3.20% APY savings or money market<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.secure.citizensaccess.com\/Citizens\/savings\" >Citizens Access<\/a>\u00a0\u2013 3.15% APY savings account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.tradeup.com\/agreement\/214?lang=en_US\" >TradeUp<\/a>\u00a0\u2013 3.14% Cash+ program ($100k minimum)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/wise.com\/us\/interest\/\" >Wise<\/a>\u00a0\u2013 3.14% interest feature<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/investor.vanguard.com\/accounts-plans\/vanguard-cash-plus-account\" >Vanguard<\/a>\u00a0\u2013 3.10% Cash Plus account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.alliantcreditunion.org\/bank\/high-yield-savings\" >Alliant Credit Union<\/a>\u00a0\u2013 3.01% APY savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.personalcapital.com\/cash\" >Empower\/Personal Capital<\/a>\u00a0\u2013 3.00% APY cash account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.penfed.org\/accounts\/premium-online-savings\" >PenFed<\/a>\u00a0\u2013 2.70% APY premium savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/accountopening.fidelity.com\/ftgw\/aong\/aongapp\/interestRates?type=fcma\" >Fidelity<\/a>\u00a0\u2013 1.84% cash management account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.chime.com\/savings-account\/\" >Chime<\/a>\u00a0\u2013 1.00% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-us\/banking\/online-checking\/\" >American Express<\/a> \u2013 1.00% APY checking account<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.ourfirstfed.com\/\" >First Fed<\/a>\u00a0\u2013 4.00% on balances up to $50,000 (when paired with checking)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.vibrantcreditunion.org\/personal-checking\" >Vibrant CU<\/a>\u00a0\u2013 4.00% checking on balances up to $25,000<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.leaderbank.com\/personal\/savings\" >Leader Bank<\/a>\u00a0\u2013 4.75% Zeugma Plus Savings (requires $1k DD + 3 debit)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.pibank.com\/pibank-savings\/\" >PiBank<\/a>\u00a0\u2013 4.60% savings<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.firstib.com\/personal\/bank\/money-market-savings-accounts\/\" >\u00a0First Internet Bank<\/a>\u00a0\u2013 4.16% money market with balances of $1M+<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/figfcu.org\/flex-term-certificate\" >Farmers Insurance FCU\u00a0<\/a>\u2013 4.00% 9 month no-penalty CD (membership via ACC)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.usalliance.org\/about-us\/rates\/savings-rates\" >USAlliance \u2013<\/a>\u00a03.90% 11-month no penalty CD<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/alumnifi.org\/rates\/\" >Alumnifi<\/a>\u00a0\u2013 4.00% savings with $100k balance (join with $10 donation to DDF)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.marcus.com\/us\/en\/savings\/no-penalty-cds\" >Marcus<\/a>\u00a0\u2013 3.95% APY 11-month no penalty CD<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.climatefirstbank.com\/personal\/impact-checking\" >Climate First Bank<\/a>\u00a0\u2013 4.01% Impact Checking (requires DD and e-statements)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/robinhood.com\/us\/en\/support\/articles\/gold-overview\/\" >Robinhood<\/a> \u2013 3.75% APY for those with Gold membership ($5\/month)<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.ally.com\/bank\/no-penalty-cd\/\" >Ally Bank<\/a>\u00a0\u2013 3.30% 11-month no penalty CD<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>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. &#8211; CineFi: 4.25% OnPath CU \u2013 4.25% elite money market ($25k minimum; $100 bonus) Timbr\u00a0\u2013 4.15% bold savings 316 Financial \u2013 4.05% savings Vio Bank\u00a0\u2013 4.02% [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-321932","post","type-post","status-publish","format-standard","hentry","category-other"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best High Interest Savings Accounts 2026 - Free Stuff Times Free Money<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.freestufftimes.com\/free-money\/best-high-interest-savings-accounts-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best High Interest Savings Accounts 2026 - Free Stuff Times Free Money\" \/>\n<meta property=\"og:description\" content=\"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. &#8211; CineFi: 4.25% OnPath CU \u2013 4.25% elite money market ($25k minimum; $100 bonus) Timbr\u00a0\u2013 4.15% bold savings 316 Financial \u2013 4.05% savings Vio Bank\u00a0\u2013 4.02% [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.freestufftimes.com\/free-money\/best-high-interest-savings-accounts-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Free Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-04T00:52:17+00:00\" \/>\n<meta name=\"author\" content=\"chris_\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"chris_\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/\"},\"author\":{\"name\":\"chris_\",\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/#\\\/schema\\\/person\\\/acd5dc3d61b9914a96857a000c3e7fe8\"},\"headline\":\"Best High Interest Savings Accounts 2026\",\"datePublished\":\"2026-04-04T00:52:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/\"},\"wordCount\":466,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/#organization\"},\"articleSection\":[\"Other\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/#respond\"]}],\"dateModified\":\"2026-04-03T20:52:17-04:00\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/\",\"url\":\"https:\\\/\\\/www.freestufftimes.com\\\/free-money\\\/best-high-interest-savings-accounts-2026\\\/\",\"name\":\"Best High Interest Savings Accounts 2026 - 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