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Best high-yield savings account rates: Updated daily | Fortune Recommends
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>Best high-yield savings account rates: Updated daily | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Today's best high-yield savings account offer rates of 5% APY and above. See which banks are offering the highest rates today."/><meta name="keywords" content="best high-yield savings accounts"/><meta property="og:url" content="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/"/><meta property="og:type" content="article"/><meta property="og:title" content="These high-yield savings accounts give returns over 5%"/><meta property="og:description" content="Grow your savings faster with a better savings account."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="These high-yield savings accounts give returns over 5%"/><meta name="twitter:description" content="Grow your savings faster with a better savings account."/><meta name="twitter:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?resize=1200,600"/><meta name="twitter:url" content="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/"/><meta property="fb:pages" content="56501027948"/><meta name="robots" content="max-image-preview:large"/><link rel="preconnect" href="https://www.google-analytics.com" crossorigin=""/><link rel="preconnect" href="https://www.googletagservices.com" crossorigin=""/><link rel="preconnect" href="https://ad.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://static.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://securepubads.g.doubleclick.net" crossorigin=""/><link rel="icon" href="/icons/favicons/favicon.ico"/><link rel="canonical" href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/"/><link rel="preload" href="https://fortune.com/fonts/GraphikCondensed-Regular-Web.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preconnect" href="https://static.myfinance.com" crossorigin=""/><link rel="alternate" type="application/rss+xml" title="Fortune RSS" href="https://fortune.com/feed/fortune-feeds/?id=3656532"/><script id="faq-json-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Yes, if it’s offered by a bank or credit union insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Association (NCUA) respectively. . The FDIC insures banks up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category."},"name":"Are high-yield savings accounts safe?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Savings rates are set by individual banks and are loosely based on the federal funds rate, which is the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the Fed hikes rates, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers."},"name":"How are savings rates set?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Savings rates can change at any time. It’s important to remember that the rate information provided on the day you open the account is not a fixed rate. Banks and credit unions can, and likely will, adjust rates based on changes in the economy and interest rate increases or decreases by the Fed."},"name":"How often do high savings rates change?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"According to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings account."},"name":"How often can I withdraw money from a high-yield savings account?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"A high-yield savings account is a viable option for savers who are looking to save money for a large purchase, a short-term or mid-range financial goal, or who want to maximize their savings and keep their money safe in a federally-insured account."},"name":"In which situation would a high-yield-savings account be the best banking choice?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"If you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket."},"name":"Are high-yield savings accounts taxable?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"If you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time."},"name":"What happens if you put 50,000 in a high-yield savings account?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"What’s considered a “good” rate is somewhat subjective. The national average savings account rate is 0.47%, so any rate above that would be considered above-average. However, some banks offer savings accounts that offer an APY that exceeds 4%. So, if you’re looking for a high-yield savings account, it pays to shop around to find the highest rates available."},"name":"What is a good high-yield savings account rate?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year."},"name":"What’s the difference between APY vs. interest rate?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"It's very unlikely that you'll lose money in a high-yield savings account. Make sure the financial institution you choose is insured through the FDIC (or the NCUA for a credit union)—this way, in the rare case of a bank failure, your money is insured, up to $250,000 per person."},"name":"Can you ever lose your money with high-yield savings account?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"That depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal."},"name":"Is it better to put money in a CD or savings?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) Corporation","logo":{"@type":"ImageObject","url":"https://fortune.com/static/media/logo.png"},"name":"Fortune","publishingPrinciples":"https://fortune.com/about-us/","sameAs":["https://en.wikipedia.org/wiki/Fortune_(magazine)","https://www.facebook.com/FortuneMagazine/","https://www.linkedin.com/company/fortune-magazine/","https://www.instagram.com/fortunemag/","https://www.pinterest.com/fortunemagazine/","https://twitter.com/FortuneMagazine/"],"url":"https://fortune.com/"},"headline":"Best high-yield savings account rates: Updated daily","url":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","mainEntityOfPage":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","dateModified":"2024-11-22T19:28:08-00:00","datePublished":"2024-04-26T12:53:55-00:00","identifier":3378243,"thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg","image":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?resize=1200,600","author":[{"@type":"Person","name":"Abigail Rueger","url":"https://fortune.com/author/abigail-rueger/","email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150"}],"keywords":["APY","Best-of","Editor's Picks","no copyright","Personal Finance","Rankings and Roundups","savings accounts"],"articleSection":"Banking","description":"Today's best high-yield savings account offer rates of 5% APY and above. 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class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">Best high-yield savings account rates: Updated daily</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Abigail Rueger author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Abigail Rueger" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Abigail Rueger" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Abigail Rueger</div></div><div class="sc-4aadc14e-4 oxMCx">Deputy Editor, Banking</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></span><span class="sc-4aadc14e-7 fLvwvm"><div class="sc-8357b4fc-1 gslWGR"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ sc-8357b4fc-6 cytaS " aria-label="Go to Cassie Bottorff author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Cassie Bottorff" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Cassie Bottorff" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75"/></noscript></span><span class="sc-8357b4fc-4 iiWsis"><span class="sc-8357b4fc-3 hVwMNA"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark"><path d="M7.94771 16C12.3378 16 15.8954 12.4173 15.8954 8C15.8954 3.581 12.3362 0 7.94771 0C3.55924 0 0 3.58266 0 8C0 12.419 3.55924 16 7.94771 16Z" fill="#00CD98"></path><path d="M12.0049 4.83243C12.1961 5.00003 12.2175 5.29208 12.051 5.48458C12.0494 5.48789 12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Cassie Bottorff</span></span><span class="sc-8357b4fc-5 eFRRvB">Editor, Business & Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#top-accounts" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-accounts">This month's top high-yield savings accounts</a></li><li><a href="#calculator" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #calculator">Savings calculator</a></li><li><a href="#editors-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #editors-picks">Editors' picks</a><ul><li><a href="#lendingclub" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #lendingclub">LendingClub</a></li><li><a href="#newtek" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #newtek">Newtek Bank</a></li><li><a href="#ufb" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ufb">UFB Direct</a></li><li><a href="#mybankingdirect" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #mybankingdirect">MyBankingDirect</a></li><li><a href="#evergreen" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #evergreen">Evergreen Bank Group</a></li><li><a href="#forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #forbright">Forbright Bank</a></li><li><a href="#bread" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bread">Bread Savings</a></li><li><a href="#more-editors-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #more-editors-picks">See more</a></li></ul></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a high-yield savings account?</a></li><li><a href="#how-does-it-work" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-does-it-work">How does a high-yield savings account work?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of a high-yield savings account</a></li><li><a href="#best-uses" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-uses">Best uses for a high-yield savings account</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best high-yield savings account for you</a></li><li><a href="#how-to-open" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-open">How to open a high-yield savings account</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">HYSA alternatives</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#top-accounts" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-accounts">This month's top high-yield savings accounts</a></li><li><a href="#calculator" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #calculator">Savings calculator</a></li><li><a href="#editors-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #editors-picks">Editors' picks</a><ul><li><a href="#lendingclub" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #lendingclub">LendingClub</a></li><li><a href="#newtek" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #newtek">Newtek Bank</a></li><li><a href="#ufb" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ufb">UFB Direct</a></li><li><a href="#mybankingdirect" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #mybankingdirect">MyBankingDirect</a></li><li><a href="#evergreen" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #evergreen">Evergreen Bank Group</a></li><li><a href="#forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #forbright">Forbright Bank</a></li><li><a href="#bread" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bread">Bread Savings</a></li><li><a href="#more-editors-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #more-editors-picks">See more</a></li></ul></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a high-yield savings account?</a></li><li><a href="#how-does-it-work" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-does-it-work">How does a high-yield savings account work?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons of a high-yield savings account</a></li><li><a href="#best-uses" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-uses">Best uses for a high-yield savings account</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best high-yield savings account for you</a></li><li><a href="#how-to-open" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-open">How to open a high-yield savings account</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">HYSA alternatives</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>Your savings can score a superior interest rate—you just have to know where to look. Right now, the best high-yield savings accounts offer annual percentage yields (APYs) of 5% or more.</p><div class="paywall-selector"></div><div class="paywall"> <p>The Fortune Recommends editorial team looked at more than 60 banks and credit unions and identified several financial institutions offering high yields, some more than 11 times the national average.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a> for the ratings below.</p> <h4 class="wp-block-heading"></h4> <ul><li>Compared over 60 financial institutions</li> <li>Over 600 data points tracked</li> <li>4 layers of fact-checking</li> <li>Guided by over 25 years of banking experience</li></ul></details> <h2 class="wp-block-heading" id="top-accounts">Top 20 highest savings rates on the market for November 2024</h2> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-K2ZbS" frameBorder="0" height="666" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/K2ZbS/4/" style="border:none" title="Highest savings account rates (from Curinos) (top 20)" width="100%"></iframe></div></figure> <div class="product-card-inline-wrapper"> <div class="card-banner">SPONSORED PARTNER</div> <div class="card-area-1"> <h4 id="sofi" class="card-title"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">SoFi® Checking & Savings</a></h4> <p class="card-subtitle">Member FDIC</p> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>Up to 4.20%*</td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum Opening Deposit</td> <td>$0</td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="145" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 145'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=320&q=75 320w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=384&q=75 384w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=480&q=75 480w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=576&q=75 576w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=768&q=75 768w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1024&q=75 1024w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1280&q=75 1280w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1440&q=75 1440w" src="https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1440&q=75"/><a href="https://fortune.com/advertiser-disclosure/" target="_blank" class="sc-93594058-0 fowfrQ card-image-link " aria-label="Go to https://fortune.com/advertiser-disclosure/" rel="noopener">Advertiser Disclosure</a></div> <div class="card-area-3"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at SoFi</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-7a0db289-0dc3-4ec7-b6ea-63da628671b9" role="tab" name="accordion-pannel-7a0db289-0dc3-4ec7-b6ea-63da628671b9" type="radio" aria-controls="content0-7a0db289-0dc3-4ec7-b6ea-63da628671b9" checked=""/> <label id="label0-7a0db289-0dc3-4ec7-b6ea-63da628671b9" tabindex="0" role="button" for="control0-7a0db289-0dc3-4ec7-b6ea-63da628671b9"> About </label> <div id="content0-7a0db289-0dc3-4ec7-b6ea-63da628671b9" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-7a0db289-0dc3-4ec7-b6ea-63da628671b9">SoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches. <br/><i>Member FDIC</i> </div> <!-- --> <input id="control1-7a0db289-0dc3-4ec7-b6ea-63da628671b9" role="tab" name="accordion-pannel-7a0db289-0dc3-4ec7-b6ea-63da628671b9" type="radio" aria-controls="content1-7a0db289-0dc3-4ec7-b6ea-63da628671b9"/> <label id="label1-7a0db289-0dc3-4ec7-b6ea-63da628671b9" tabindex="0" role="button" for="control1-7a0db289-0dc3-4ec7-b6ea-63da628671b9"> Additional Details </label> <div id="content1-7a0db289-0dc3-4ec7-b6ea-63da628671b9" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-7a0db289-0dc3-4ec7-b6ea-63da628671b9"><p style="font-size:12px"><em>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://www.sofi.com/legal/banking-rate-sheet" rel="noopener" title="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</em></p></div> <a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at SoFi</p> </section></div> </div> <h2 class="wp-block-heading" id="calculator">Calculate interest earnings on top savings accounts</h2> <p>Are you curious about your earning potential with these banks? Use the calculator below to see how much interest you could earn with various deposits, contributions, and interest rates. Keep in mind that the APY on savings accounts can fluctuate without warning, so if you want to lock in a high interest rate for an extended time, you may want to consider <a href="https://fortune.com/recommends/banking/highest-current-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/highest-current-cd-rates/">certificates of deposit (CDs)</a> instead.</p><div data-cy="nativoTout"></div> <moneylion-savings-calculator></moneylion-savings-calculator> <h2 class="wp-block-heading" id="editors-picks">The best high-yield savings accounts: Editors' picks</h2> <p>Our picks for this month’s best high-interest savings accounts offer high yields, low fees, and other important features, such as ATM access, online and mobile banking, and more. Plus, each account is protected by the Federal Deposit Insurance Corp. (FDIC), which insures up to $250,000 per depositor, per account, giving you an extra sense of security for your savings.</p> <p><em><strong><em>Note: </em></strong><em>APYs in our list below are updated daily but are subject to change. </em><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/#methodology"><em>Read our full methodology here</em></a><em>.</em></em></p> <h3 class="wp-block-heading" id="lendingclub">LendingClub: 5.00% APY</h3> <p>LendingClub boasts more than 4.8 million customers since its founding in 2007. While it’s best known for its personal loans, it also offers savings and checking accounts as well as certificates of deposit.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="lendingclub" class="card-title">LendingClub High-Yield Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"5.00%"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">5.00%</span></td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></td> </tr> <tr> <td>Minimum Opening Deposit</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$100"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$100</span></td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at LendingClub</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-b426fcb2-4755-4072-aeb4-29c860d7008f" role="tab" name="accordion-pannel-b426fcb2-4755-4072-aeb4-29c860d7008f" type="radio" aria-controls="content0-b426fcb2-4755-4072-aeb4-29c860d7008f" checked=""/> <label tabindex="0" role="button" for="control0-b426fcb2-4755-4072-aeb4-29c860d7008f"><label tabindex="0" role="button" for="control0-[ID]"> Additional Details</label></label> <div id="content0-b426fcb2-4755-4072-aeb4-29c860d7008f" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b426fcb2-4755-4072-aeb4-29c860d7008f"> If you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET. </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>By opting for the LendingClub savings account, you can secure a 5.00% APY with minimal requirements. All you need to do is make a minimum opening deposit of $100 then continue to add at least $250 per month to the account. If you don’t meet these requirements, you still get a very respectable rate of 4.80%.</p> <p>And despite being a savings account, you'll have the convenience of an ATM card to easily access your funds whenever necessary. As part of both the MoneyPass and SUM ATM networks, this means you can have free access to your funds at tens of thousands of locations.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by LendingClub</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td><br/>Rewards checking</td><td>1% cash back on all qualifying purchases<br/>Unlimited ATM fee rebates<br/>No monthly maintenance or overdraft fees<br/>No minimum balance or transaction requirements</td></tr><tr><td>CDs</td><td>Terms from 6 months to 5 years<br/>Up to 4.00% APY (on the 6-month CD)</td></tr></tbody></table></figure></div></div></details> <p><strong><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/lendingclub-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/lendingclub-review/">LendingClub review</a></strong></p> <h3 class="wp-block-heading" id="newtek">Newtek Bank: 5.25% APY</h3> <p>Newtek Bank is a division of the company NewtekOne. It focuses on business banking products, including helpful dashboards, business checking, and business MMAs. Newtek Bank’s personal banking products are limited to a high-yield savings account and CDs. </p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="newtek" class="card-title">Newtek Bank Personal High Yield Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>5.25%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-25bfca8f-3d1e-490b-8c16-01e5ca2a9726" role="tab" name="accordion-pannel-25bfca8f-3d1e-490b-8c16-01e5ca2a9726" type="radio" aria-controls="content0-25bfca8f-3d1e-490b-8c16-01e5ca2a9726" checked=""/> <label tabindex="0" role="button" for="control0-25bfca8f-3d1e-490b-8c16-01e5ca2a9726"> Additional details</label> <div id="content0-25bfca8f-3d1e-490b-8c16-01e5ca2a9726" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-25bfca8f-3d1e-490b-8c16-01e5ca2a9726"> Customers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With Newtek Bank, you get a low-cost savings account with a stellar rate that’s over 11 times the current national average. There’s no minimum opening deposit or monthly maintenance fees. Plus, you only need to have a balance of $0.01 to earn interest, meaning you can grow your savings no matter how small you’re starting out. </p> <p>You can rest assured knowing there are no service charges or transaction fees related to the account, although, as with savings accounts, there’s a limit of six transactions per statement cycle. </p> <p>You can access your funds easily on Newtek’s digital platform. Its app is rated quite well for both Apple and Android, with 4.6 and 4.4 stars, respectively. Newtek also offers many customer service options, so if you need help, you can connect with them via video, audio, text chat, or phone call. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Newtek Bank</h4></summary><p>Newtek Bank offers a wide range of CDs with 6–60 month term lengths and a minimum opening deposit of $2,500. It also offers several business banking products, including business checking and business MMAs.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>Minimum opening deposit: $2,500<br/>Available term lengths: 6–60 months<br/>Top APY: 5.25%</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/newtek-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/newtek-bank-review/">Newtek Bank review</a></p> <h3 class="wp-block-heading" id="ufb">UFB Direct: 4.31% APY</h3> <p>UFB Direct's branchless, online-only model allows it to keep costs down and offer some of the best rates on savings and money market accounts on the market. It offers high-yield savings, money market accounts (MMAs), and checking accounts.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="ufb" class="card-title">UFB Portfolio Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.31%</td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum Opening Deposit</td> <td>$0</td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="191" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 191'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26725181&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26725181&tid=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at UFB Direct</p> </div> <div class="card-area-4"> <section class="card-accordion one-pannel" role="tablist"> <!-- --> <input id="control0-89379d71-a7d7-47fa-a544-2ecd361f84cc" role="tab" name="accordion-pannel-89379d71-a7d7-47fa-a544-2ecd361f84cc" type="radio" aria-controls="content0-89379d71-a7d7-47fa-a544-2ecd361f84cc" checked=""/> <label id="label0-89379d71-a7d7-47fa-a544-2ecd361f84cc" tabindex="0" role="button" for="control0-89379d71-a7d7-47fa-a544-2ecd361f84cc">Additional Details</label> <div id="content0-89379d71-a7d7-47fa-a544-2ecd361f84cc" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-89379d71-a7d7-47fa-a544-2ecd361f84cc"> Customers can contact a customer service representative via telephone 24 hours a day, 365 days a year, or via secure messaging in their mobile banking app.</div> </section></div> </div> <p><strong>Why we picked it</strong></p> <p>UFB Direct’s savings account rivals competitors in rate, with a 4.31% APY. With no minimum deposit requirement and zero monthly fees, this account could be a great option for anyone looking to boost their savings. UFB Direct also stands out for its massive ATM network of over 91,000 locations, highly rated mobile app, and generous customer service hours, including 24/7 phone support. </p> <p>Additionally, the UFB portfolio savings account includes a complimentary ATM card for fast cash.</p> <p>People with large amounts of cash should be aware of the UFB Direct savings account’s limits:</p> <ul><li>$250,000 maximum opening deposit</li> <li>$30,000 maximum daily transfer</li> <li>$60,000 maximum monthly transfer</li></ul> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by UFB Direct</h4></summary><p>In addition to its high-yield savings account, UFB offers a checking account and an MMA. If you bundle the Freedom Checking account with the Portfolio Savings account, you could be eligible for an APY of 4.77%, an extra 0.20% boost. </p> <p>The checking account has no monthly fees, and the Portfolio Money Market’s $10 fee can be waived with a balance of over $5,000.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>UFB Freedom Checking</td><td>Minimum opening deposit: $0<br/>Monthly fees: $0<br/>ATM fee reimbursement: Up to $10 per month<br/>APY: Up to 2.00%, plus higher savings rates with a Freedom Boost of up to 0.20% APY</td></tr><tr><td>UFB Portfolio Money Market Account</td><td>Minimum opening deposit: $0<br/>Top APY: 4.31%<br/>Monthly fees: $10, waived if ADB is over $5,000<br/></td></tr></tbody></table></figure></div></div> <p>In addition to these deposit accounts, UFB Direct offers mortgage loans, portfolio loans, Jumbo loans, and home equity lines of credit (HELOC).</p></details> <p><strong>Learn more:</strong> Read our <a href="https://fortune.com/recommends/banking/ufb-direct-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/ufb-direct-bank-review/">UFB Direct review</a></p> <h3 class="wp-block-heading" id="mybankingdirect"><strong>My Banking Direct: 4.85% APY</strong></h3> <p>My Banking Direct is an online-only bank and division of Flagstar, N.A., one of the largest regional banks with a significant retail presence in the Midwest and California.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="mybankingdirect" class="card-title"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" rel="nofollow noopener noreferrer" aria-disabled="true">My Banking Direct</a></h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.85%</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$500</td> </tr> <tr> <td>Monthly fee</td> <td>None</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-e01a080b-8e88-4485-91c7-d8babe22f087" role="tab" name="accordion-pannel-e01a080b-8e88-4485-91c7-d8babe22f087" type="radio" aria-controls="content0-e01a080b-8e88-4485-91c7-d8babe22f087" checked=""/> <label id="label0-e01a080b-8e88-4485-91c7-d8babe22f087" tabindex="0" role="button" for="control0-e01a080b-8e88-4485-91c7-d8babe22f087"> Additional details </label> <div id="content0-e01a080b-8e88-4485-91c7-d8babe22f087" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-e01a080b-8e88-4485-91c7-d8babe22f087"> Customers can call 24/7 to reach an automated system or talk to a banker Monday–Friday from 8 a.m. to 8 p.m. Eastern time, Saturday from 9 a.m. to 5 p.m. ET, and Sunday from 9 a.m. to 2 p.m. ET. They can also send a secure message through the online banking portal</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>My Banking Direct’s 4.85% APY is impressive, and with no monthly fee and only $1 needed to earn the APY, it’s a highly accessible account as long as you’ve got $500 to open it. </p> <p>Mobile banking (including mobile check deposits), automatic deposits, and unlimited transactions make this account appealing for short- or long-term savings goals. My Banking Direct’s mobile app is through its parent company, Flagstar, and the Flagstar Mobile Banking app is rated well for both Apple and Android users. It uses fingerprint and face ID for extra security.</p> <p>My Banking Direct makes it easy to set up automatic direct deposits, helping you grow your savings quickly and effortlessly. You can also utilize mobile check deposits, so you’ve got options for how you want to add to your account.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by My Banking Direct</h4></summary><p>My Banking Direct offers a free checking account and a five-month CD with an online renewal option, in addition to a prepaid benefits debit card and financial calculators.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Free checking account</td><td>Minimum opening deposit: $1<br/>Monthly fees: $0<br/>Top APY: None</td></tr><tr><td>CDs</td><td>Minimum opening deposit: $2,500<br/>Top APY: 5.50%</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>read our <a href="https://fortune.com/recommends/banking/my-banking-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/my-banking-direct-review/">My Banking Direct review</a></p> <h3 class="wp-block-heading" id="evergreen"><strong>Evergreen Bank Group: 4.75%% APY</strong></h3> <p>Founded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="evergreen" class="card-title"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" rel="nofollow noopener noreferrer" aria-disabled="true">Evergreen Bank Group High-Yield Online Savings</a></h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.75%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$100</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-1c3929d8-9057-4174-bf40-5fcc96d44193" role="tab" name="accordion-pannel-1c3929d8-9057-4174-bf40-5fcc96d44193" type="radio" aria-controls="content0-1c3929d8-9057-4174-bf40-5fcc96d44193" checked=""/> <label id="label0-1c3929d8-9057-4174-bf40-5fcc96d44193" tabindex="0" role="button" for="control0-1c3929d8-9057-4174-bf40-5fcc96d44193"> Additional details </label> <div id="content0-1c3929d8-9057-4174-bf40-5fcc96d44193" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-1c3929d8-9057-4174-bf40-5fcc96d44193">Evergreen Bank can be reached by phone or email. Its website states it will respond within one business day. <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With a 4.75% APY and a low minimum opening deposit of $100, Evergreen Bank Group's high-yield savings account is accessible and affordable. You can sign up for an account online (it claims it can be opened in about three minutes) and fund it via ACH transfer or debit card. </p> <p>With no monthly fees and interest compounding daily, Evergreen can help your money grow quickly and safely. It also includes a free financial management tool to help you stay on track.</p> <p>Note that this account gives you plenty of room to grow: the 4.75% APY applies to balances up to $1 million. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Evergreen Bank Group</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>Three account types: Basic, cash back, and rewards<br/>No monthly fees<br/>Open with a minimum of $100</td></tr><tr><td>MMA</td><td>$2,500 minimum to open<br/>$15 monthly service fee, waived if ABD is over $2,500<br/>Tiered interest: From 0.30%–0.50%</td></tr><tr><td>CDs</td><td>Up to 4.25% APY on a 6-month term<br/>Minimum opening deposit of $500</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/evergreen-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/evergreen-bank-review/">Evergreen Bank review</a></p> <h3 class="wp-block-heading" id="forbright"><strong>Forbright Bank: 5.00% APY</strong></h3> <p>Forbright Bank is a climate-conscious bank offering online deposit accounts, including savings and CDs, loans, and business banking. As a fossil-free certified institution, it strives to fund sustainable business practices and keep customers’ money out of planet-destroying ventures.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="forbright" class="card-title">Forbright Bank Growth Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>5.00%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75"/></div> <div class="card-area-3"></div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-b8936bb9-0343-4c0b-9160-92149d40ce8a" role="tab" name="accordion-pannel-b8936bb9-0343-4c0b-9160-92149d40ce8a" type="radio" aria-controls="content0-b8936bb9-0343-4c0b-9160-92149d40ce8a" checked=""/> <label tabindex="0" role="button" for="control0-b8936bb9-0343-4c0b-9160-92149d40ce8a"> Additional details</label> <div id="content0-b8936bb9-0343-4c0b-9160-92149d40ce8a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b8936bb9-0343-4c0b-9160-92149d40ce8a"> Customer service is available by phone Monday through Friday from 8 am to 8 pm, ET. </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With no minimum deposit to open and no monthly fees, keep more of your money with Forbright Bank’s impressive 5.00% APY. Opening an account online takes minutes, and you can start earning interest as soon as you make your first deposit. </p> <p>The Growth Savings account also allows for unlimited digital transfers to external accounts, meaning you can access your money wherever and whenever you need it. </p> <p>With a focus on sustainability, people banking with Forbright can feel secure knowing their money will be going toward projects like developing clean energy.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Forbright Bank</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>Minimum deposit to open: $25<br/>Term lengths: 9–60 months<br/>Top APY: 4.25</td></tr></tbody></table></figure></div></div></details> <h3 class="wp-block-heading" id="bread"><strong>Bread Savings</strong>: 4.65% APY</h3> <p>Bread Savings is part of Bread Financial, a financial services company with a tech-forward focus. It offers a high-yield savings account and CDs, and prides itself on maintaining some of the highest interest rates so customers don’t have to shop around.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="cloudbank" class="card-title">Bread Savings High Yield Savings Account</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.65%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$100</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$100</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-987878f7-c344-477e-9334-40bd7ceed030" role="tab" name="accordion-pannel-987878f7-c344-477e-9334-40bd7ceed030" type="radio" aria-controls="content0-987878f7-c344-477e-9334-40bd7ceed030" checked=""/> <label id="label0-987878f7-c344-477e-9334-40bd7ceed030" tabindex="0" role="button" for="control0-987878f7-c344-477e-9334-40bd7ceed030"> Additional details </label> <div id="content0-987878f7-c344-477e-9334-40bd7ceed030" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-987878f7-c344-477e-9334-40bd7ceed030"> Customers can talk to a representative Monday through Friday from 7:00 a.m. to 9:00 p.m. CT, or message securely in online banking. </div> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With a 4.65% APY and a $100 minimum opening deposit, Bread Savings’ high-yield account could be a great option for someone who doesn’t mind banking at multiple institutions, as Bread Savings doesn’t offer any checking account products. With no hidden fees, free ACH transfers, free incoming wire transfers, and free online statements, you can keep more of your money in savings instead of worrying about fees. </p> <p>Additionally, Bread Savings offers a wide range of financial tools and calculators on its website, showing you what it’ll take to reach your financial goals.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Bread Savings</h4></summary><p>Other than its high-yield savings account, Bread Savings offers CDs with competitive interest rates.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>Minimum opening deposit: $1,500<br/>Term lengths: 3 months to 5 years<br/>APY range: 3.85% to 4.70%</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/bread-savings-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/bread-savings-review/">Bread Savings review</a></p> <h3 class="wp-block-heading" id="cloudbank"><strong>Cloudbank 24/7: 4.57% APY</strong></h3> <p>Cloudbank 24/7 is a digital bank that’s backed by Third Coast Bank SSB, a community bank that operates in Texas. It specializes in providing online banking products with competitive interest rates.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="cloudbank" class="card-title">Cloudbank 24/7 High Yield Savings Account</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.57%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$1</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-c000c7e1-411c-42f7-9632-785294bd591a" role="tab" name="accordion-pannel-c000c7e1-411c-42f7-9632-785294bd591a" type="radio" aria-controls="content0-c000c7e1-411c-42f7-9632-785294bd591a" checked=""/> <label id="label0-c000c7e1-411c-42f7-9632-785294bd591a" tabindex="0" role="button" for="control0-c000c7e1-411c-42f7-9632-785294bd591a"> Additional details </label> <div id="content0-c000c7e1-411c-42f7-9632-785294bd591a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-c000c7e1-411c-42f7-9632-785294bd591a"> If you need customer service, you can fill out a contact form on Cloudbank 24/7's website. </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Cloudbank 24/7 offers its high-yield savings account through Raisin, a digital marketplace that allows customers to compare accounts easily before applying. With a 4.57% APY and a minimum opening deposit of $1, opening a Cloud 24/7 savings account is as simple as creating a Raisin account online and depositing money to start earning interest. </p> <p>Interest for the account is compounded daily and credited to your account at the end of each month, and deposits are FDIC insured through Third Coast Bank. </p> <p>If you ever need help with your account, you can reach Raisin customer service via email, phone, or secure messaging on their site. On its mobile app, you can view your account balances, transfer money between accounts, utilize mobile check deposit, and more.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Cloudbank 24/7</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>$1,000 minimum opening deposit<br/>1.00% APY on its 15-month CD</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/cloudbank-247-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cloudbank-247-review/">CloudBank 24/7 review</a></p> <h3 class="wp-block-heading" id="bask">Bask Bank: 4.65% APY</h3> <p>Bask Bank was founded in 1999 by members of Texas Capital Bank as the first online-only savings bank in the US. It began by providing the Bask Mileage Savings Account for earning airline miles, but has expanded to offer checking, savings, CDs, and more. </p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="bask" class="card-title">Bask Bank Interest Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.65%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td><span data-sheets-root="1">$0</span></td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://oc.brcclx.com/t?lid=26723480&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723480&tid=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-7e0de258-a00f-45f8-8098-45471b0b2048" role="tab" name="accordion-pannel-7e0de258-a00f-45f8-8098-45471b0b2048" type="radio" aria-controls="content0-7e0de258-a00f-45f8-8098-45471b0b2048" checked=""/> <label id="label0-7e0de258-a00f-45f8-8098-45471b0b2048" tabindex="0" role="button" for="control0-7e0de258-a00f-45f8-8098-45471b0b2048"> Additional details </label> <div id="content0-7e0de258-a00f-45f8-8098-45471b0b2048" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-7e0de258-a00f-45f8-8098-45471b0b2048"> Phone service available from 7 am to 7 pm CT Monday through Friday, and Saturday from 9 am to 4 pm CT. </div> <a href="https://oc.brcclx.com/t?lid=26723480&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723480&tid=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With no fees nor minimum balance requirements, you can keep more of your money for yourself and grow it faster with Bask Bank’s generous 4.65% APY. Plus, you can open an account online in 15 minutes or less. </p> <p>Interest for the account is compounded daily and credited every month. The only fees you may encounter are a $20 domestic wire fee and a $35 international wire fee, and you can withdraw your money at any time with no limitations. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Bask Bank</h4></summary><p>In addition to its savings products, Bask Bank offers checking and CD accounts: </p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Interest Checking</td><td>1% APY (even higher with qualifying activities)<br/>Access to over 55,000 fee-free ATM locations<br/>No monthly maintenance fees</td></tr><tr><td>CDs</td><td>Minimum opening deposit: $1,000<br/>Term lengths: 3 months to 2 years<br/>Top APY: 4.65</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/bask-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/bask-bank-review/">Bask Bank review</a></p> <h3 class="wp-block-heading" id="first-foundation">First Foundation Bank: 4.75% APY</h3> <p>First Foundation Bank was founded by Rick Keller of the Keller Group, a wealth management firm that was started in 1990 and added banking products in 2007. First Foundation was officially chartered in 2008 and currently supplies a full suite of deposit offerings for personal consumers and businesses, as well as wealth management services.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="first-foundation-bank" class="card-title">First Foundation Bank Online Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.90%</td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum Opening Deposit</td> <td>$1000</td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="191" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 191'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3378243" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3378243" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba" role="tab" name="accordion-pannel-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba" type="radio" aria-controls="content1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba"/> <label id="label1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba" tabindex="0" role="button" for="control1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba">Additional Details</label> <div id="content1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-4e2c8b88-8146-46c2-a6eb-d1aa0287aaba">24/7 telephone support for general inquiries, plus virtual and email support options</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>While there is a $1000 minimum deposit to open the account, as long as you’ve got that ready to store away, you’ll get a generous 4.75% APY. Interest compounds daily and is credited to the account at the end of the month. </p> <p>While the opening deposit is a bit steep, only a penny is needed to earn interest on the account; so it can serve as a flexible container for your funds and still earn APY, regardless of the account balance. Customers can also request an ATM card to transfer funds between checking and savings accounts, as well as deposit or withdraw funds. Just note that there’s a limit of up to $500 per day for withdrawals. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by First Foundation Bank</h4></summary><p>First Foundation Bank also offers checking, MMA, and CD accounts:</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking</td><td>Three accounts: Personal Checking, Personal Interest Checking, and Senior Interest Checking<br/>Nationwide ATM fee reimbursement<br/>Personal Interest Checking has a $20 monthly maintenance fee; waivable with qualifying activities</td></tr><tr><td>MMA</td><td>Minimum opening deposit: $1000<br/>APY: 4.9%<br/>Monthly fee: $0</td></tr><tr><td>CDs</td><td>Minimum opening deposit: $2,500<br/>Term lengths: 9 and 12 months<br/>Top APY: 4.40</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/first-foundation-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-foundation-bank-review/">First Foundation Bank review</a></p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it."<br/><br/>- <a href="https://fortune.com/author/kristy-snyder/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/kristy-snyder/">Kristy Snyder</a>, personal finance expert and Fortune contributor</p></div></div> <h3 class="wp-block-heading" id="more-editors-picks">See more savings accounts we've reviewed</h3> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Account type</th><th scope="col">APY*</th><th scope="col">Minimum opening deposit</th><th scope="col">Welcome bonus</th><th scope="col">Learn more</th></tr></thead><tbody><tr><th scope="row"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Sponsored partner</mark><br/>SoFi® Checking & Savings</th><td class="">Up to 4.20%</td><td class="">$0</td><td class="">Up to $300*</td><td class="last-cell"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" data-type="link" data-id="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243&subid2=table" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at SoFi®</td></tr><tr><th scope="row"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/>LendingClub High-Yield Savings</th><td class="">5.00%</td><td class="">$0</td><td class="">None</td><td class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at LendingClub</td></tr><tr><th scope="row">Newtek Bank Personal High-Yield Savings</th><td class="">5.25%</td><td class="">$0</td><td class="">None</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" data-type="link" data-id="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">UFB Direct Portfolio Savings</th><td class="">4.31%</td><td class="">$0</td><td class="">None</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26725181&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26725181&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at UFB Direct</td></tr><tr><th scope="row">MyBankingDirect High-Yield Savings</th><td class="">4.85%</td><td class="">$500</td><td class="">None</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Evergreen Bank Group</th><td class="">4.50%</td><td class="">$100</td><td class="">None</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at MoneyLion</td></tr><tr><th scope="row">Forbright Bank</th><td class="">5.00%</td><td class="">$0</td><td class="">None</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723554&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723554&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</td></tr><tr><th scope="row">Bread Savings High-Yield Savings</th><td class="">4.65%</td><td class="">$100</td><td class="">None</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723479&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723479&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</td></tr><tr><th scope="row">CloudBank 24/7</th><td class="">4.57%</td><td class="">$1</td><td class="">None</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Bask Bank </th><td class="">4.65%</td><td class="">$0</td><td class="">None</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">First Foundation Bank</th><td class="">4.75%</td><td class="">$1000</td><td class="">None</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723493&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723493&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJo"><thead><tr><th colSpan="5">Best high-yield savings accounts: Editors' picks</th></tr></thead><tbody><tr><th><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Sponsored partner</mark><br/>SoFi® Checking & Savings</th><th class="last-cell"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243" data-type="link" data-id="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3378243&subid2=table" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at SoFi®</th></tr><tr><th class="header" scope="row">APY*</th><td>Up to 4.20%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>Up to $300*</td></tr><tr><th><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured partner</mark><br/>LendingClub High-Yield Savings</th><th class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at LendingClub</th></tr><tr><th class="header" scope="row">APY*</th><td>5.00%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>Newtek Bank Personal High-Yield Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" data-type="link" data-id="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">APY*</th><td>5.25%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>UFB Direct Portfolio Savings</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26725181&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26725181&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at UFB Direct</th></tr><tr><th class="header" scope="row">APY*</th><td>4.31%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>MyBankingDirect High-Yield Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">APY*</th><td>4.85%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$500</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>Evergreen Bank Group</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at MoneyLion</th></tr><tr><th class="header" scope="row">APY*</th><td>4.50%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$100</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>Forbright Bank</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723554&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723554&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</th></tr><tr><th class="header" scope="row">APY*</th><td>5.00%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>Bread Savings High-Yield Savings</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723479&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723479&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</th></tr><tr><th class="header" scope="row">APY*</th><td>4.65%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$100</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>CloudBank 24/7</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">APY*</th><td>4.57%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>Bask Bank </th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2&tag.sub_id=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2&tag.sub_id=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">APY*</th><td>4.65%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr><tr><th>First Foundation Bank</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723493&tid=3378243" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723493&tid=3378243" rel="noreferrer noopener nofollow" aria-disabled="true">View offer<br/></a>at Bankrate</th></tr><tr><th class="header" scope="row">APY*</th><td>4.75%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1000</td></tr><tr><th class="header" scope="row">Welcome bonus</th><td>None</td></tr></tbody></table></div> <p style="font-size:12px"><em><p style="font-size:12px"><em>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://www.sofi.com/legal/banking-rate-sheet" rel="noopener" title="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</em></p></em></p> <h2 class="wp-block-heading">Current news on savings account interest rates</h2> <p>While we have seen CD rates drop after the Fed cut rates on Sept. 18, some high-yield savings rates have held steady. In the short term, these rates should hold steady or slightly drop. However, future rate cuts may force banks to drop savings rates. It might be a good time to consider a <a href="https://fortune.com/recommends/banking/the-best-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-cd-rates/">certificate of deposit</a>. You can lock in a rate with a CD and ensure a solid rate of return, as opposed to your savings account, which might see a steady rate decline.</p> <h2 class="wp-block-heading">Major national banks with high-yield savings accounts</h2> <p>Major national banks generally offer minuscule APYs compared to some of the top institutions on our list. For example, Bank of America, Chase Bank, and Wells Fargo offer a measly APY of 0.01% on their savings accounts, whereas most of the options listed above are over 5%. </p> <p>Large banks don’t rely on the money consumers deposit into their savings accounts the way smaller banks do. Huge financial institutions make their money from interest paid on loans, fees, and securities. Smaller banks and online fintechs are continuously looking for ways to draw in new customers, and offering competitive APYs on their deposit accounts is a great incentive. Additionally, online banks generally have fewer upfront costs, so they can offer better rates to their customers.</p> <p>That being said, a few major banks still offer decent rates on savings accounts. Here are several national banks and their savings account APYs as compared to the best on our list:</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Major Institution</th><th scope="col">Current APY</th><th scope="col">Our top contenders</th><th scope="col">Current APY</th></tr></thead><tbody><tr><th scope="row">American Express</th><td class="">4.00%</td><td class=""><strong>My Banking Direct</strong></td><td class="last-cell">4.85%</td></tr><tr><th scope="row">Capital One</th><td class="">4.00%</td><td class=""><strong>BrioDirect</strong></td><td class="last-cell">4.85%</td></tr><tr><th scope="row">SoFi</th><td class="">Up to 4.20%</td><td class=""><strong>TAB Bank</strong></td><td class="last-cell">4.52%</td></tr><tr><th scope="row">Chase</th><td class="">0.01%</td><td class=""><strong>Newtek Bank</strong></td><td class="last-cell">5.25%</td></tr><tr><th scope="row">Discover</th><td class="">3.90%</td><td class=""><strong>UFB Direct</strong></td><td class="last-cell">4.31%</td></tr><tr><th scope="row">Ally Bank</th><td class="">4.20%</td><td class=""><strong>Evergreen Bank</strong></td><td class="last-cell">4.75%</td></tr><tr><th scope="row">PNC Bank</th><td class="">4.65%</td><td class=""><strong>Everbank</strong></td><td class="last-cell">4.75%</td></tr><tr><th scope="row">Bank of America</th><td class="">0.01%</td><td class=""><strong>Popular Direct</strong></td><td class="last-cell">4.6%</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJo"><tbody><tr><th>American Express</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>4.00%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>My Banking Direct</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.85%</td></tr><tr><th>Capital One</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>4.00%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>BrioDirect</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.85%</td></tr><tr><th>SoFi</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>Up to 4.20%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>TAB Bank</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.52%</td></tr><tr><th>Chase</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>0.01%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>Newtek Bank</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>5.25%</td></tr><tr><th>Discover</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>3.90%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>UFB Direct</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.31%</td></tr><tr><th>Ally Bank</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>4.20%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>Evergreen Bank</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.75%</td></tr><tr><th>PNC Bank</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>4.65%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>Everbank</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.75%</td></tr><tr><th>Bank of America</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Current APY</th><td>0.01%</td></tr><tr><th class="header" scope="row">Our top contenders</th><td><strong>Popular Direct</strong></td></tr><tr><th class="header" scope="row">Current APY</th><td>4.6%</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="definition"><strong>What is a high-yield savings account (HYSA)? </strong></h2> <p>A <a href="https://fortune.com/recommends/banking/what-is-high-yield-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-high-yield-savings-account/">high-yield savings account</a> works just like a <a href="https://fortune.com/recommends/banking/traditional-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/traditional-savings-account/">traditional savings account</a>. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money. The main difference is that the high-yield savings account offers a much higher APY on the money you keep in your account.</p> <h3 class="wp-block-heading"><strong>APY</strong></h3> <p>The most recent rates from the FDIC put the national savings APY average at 0.46%, while there are many high-yield savings accounts that offer a 4.00% APY or higher. </p> <h3 class="wp-block-heading"><strong>Monthly maintenance fee</strong></h3> <p>Some financial institutions charge a monthly fee to cover the administrative costs of providing a savings account. These fees can often be waived by meeting certain requirements, such as maintaining a minimum balance or linking a checking account. However, fees can easily wipe away your interest earnings, so choosing an account that charges minimal or no fees is important, if possible.</p> <h3 class="wp-block-heading"><strong>Minimum deposit</strong></h3> <p>You may be required to deposit a minimum amount of money to open a high-yield savings account. Depending on the account, the amount can range from $0 to $1,000 or more. It’s also common for high-yield savings account rates to be tiered, meaning higher rates are available for higher balances. Always check the balance requirements of an account to find out if you need to meet a certain threshold to earn the advertised rate.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"One trick I use is to have multiple high-yield savings accounts. Then, as rates fluctuate between them, I move my money around to the account with the best APY. This has helped me earn hundreds in interest over the years." - Kristy Snyder, Fortune contributor</p></div></div> <h2 class="wp-block-heading" id="how-does-it-work">How does a high-yield savings account work?</h2> <p>When you deposit money in a high-yield savings account, your savings will grow thanks to the magic of <a href="https://fortune.com/recommends/banking/what-is-compound-interest/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-compound-interest/">compound interest</a>. This means you’ll earn interest on the principal balance in your account and any interest you earned previously. For example, if you deposited $100 in your account and earned $10 in interest over the past few months, you will earn interest on the entire $110.</p> <h3 class="wp-block-heading">Can savings account interest rates change?</h3> <p>The APY on your account can and likely will fluctuate any time the Fed raises or decreases the federal funds rate. That’s the interest rate banks charge one another to borrow money, and your bank may be inclined to raise or lower rates on its financial products based on these changes. </p> <h3 class="wp-block-heading">How much will $10,000 make in a high-yield savings account?</h3> <p>The interest you’d earn on a $10,000 deposit depends on the annual percentage yield and frequency of compounding.</p> <p>For example, if you deposited $10,000 into a high-yield savings account that earns 5% APY<strong>—</strong>and didn’t make any other contributions<strong>—</strong>you’d have a total balance of $10,500 at the end of one year, assuming the interest compounds annually. If it compounds daily, you’d have a bit more: $10,512.67.</p> <p>The rate at which your interest compounds (daily, weekly, monthly, or annually) will depend on the financial institution. </p> <h2 class="wp-block-heading" id="pros-and-cons">Pros and cons of high-yield savings accounts</h2> <p>If you’re considering putting your money in a high-yield savings account, there are a few key benefits and drawbacks to be aware of.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Deposits are insured by the FDIC</li><li>Competitive interest rates</li><li>Can’t lose money</li></ul></div><div><h3>Cons</h3><ul><li>Interest rate can decrease</li><li>Returns don’t compare to securities</li><li>Monthly withdrawals may be capped</li></ul></div></div> <h3 class="wp-block-heading">Advantages of high-yield savings accounts</h3> <p>One of the main advantages of high-yield savings accounts is that they typically offer interest rates well above the national average. Currently, the national average APY for a traditional savings account sits at 0.45%, whereas some of the high-yield accounts on our list boast rates as high as 5.00%. </p> <p>A high-yield savings account also provides greater security than some other investment options. Most high-yield accounts are FDIC- or National Credit Union Administration (NCUA)-insured, meaning that your deposits are protected up to $250,000 per depositor, per institution in the event of a <a href="https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/">bank failure</a>. </p> <h3 class="wp-block-heading">Disadvantages of high-yield savings accounts</h3> <p>Meanwhile, you usually won’t earn as much in a savings account as you would by investing your money in the market, even with a high-yield account. Even so, high-yield savings accounts are sensitive to changes in the economy, which means that your APY can increase or decrease at the discretion of your bank. </p> <p>There may also be a cap on your monthly withdrawals. Your financial institution may limit the number of withdrawals you can make each month. You may be charged a fee for each additional transaction if you exceed the limit.</p> <h2 class="wp-block-heading" id="best-uses">Best uses for a high-yield savings account</h2> <p>High-yield savings accounts can be an effective savings vehicle for savers with many different types of goals. A few <a href="https://fortune.com/recommends/banking/what-is-high-yield-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-high-yield-savings-account/">common uses for high-yield saving accounts</a> include:</p> <ul><li><strong>Emergency savings: </strong>You’ll never exactly know when you’ll need to dip into your <a href="https://fortune.com/recommends/banking/how-to-start-emergency-fund/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/how-to-start-emergency-fund/">emergency savings</a>. A high-yield savings account is a liquid account that makes it easy to access your funds in a pinch.</li> <li><strong>Savings for major purchases: </strong>Say you want to purchase a new home appliance or save for a down payment on a new vehicle you plan to purchase within the next few months. A high-yield savings account can help you earn interest on your savings until it’s time to make your purchase.</li> <li><strong>Short-term financial goals: </strong>A high-yield savings account is a great place to stash your cash for a specific goal, such as a family vacation or home renovation.</li></ul> <h2 class="wp-block-heading" id="how-to-choose">How to choose the best high-yield savings account for you</h2> <p>Choosing the right high-yield savings account will require you to think carefully about your financial habits, preferences, and goals so that you can select the account that best suits your needs. </p> <h3 class="wp-block-heading">Shop around for a lucrative APY</h3> <p>The APY is the interest you can expect to earn on the money you keep in your account for one year. While this percentage may fluctuate depending on your bank and the economy's health, you’ll want to give your savings the greatest chance of growing and earning as much compound interest as possible. </p> <p>The FDIC regularly publishes <a href="https://www.fdic.gov/resources/bankers/national-rates/index.html" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.fdic.gov/resources/bankers/national-rates/index.html" rel="noopener">average national rates</a> for various accounts, including high-yield savings accounts, so this is a trustworthy resource to use when shopping around for rates. Ideally, a lucrative high-yield savings account will offer a savings rate of at least 10 times that rate. </p> <h3 class="wp-block-heading">Consider the requirements for opening an account</h3> <p>Many, but not all, high-yield savings accounts require a minimum deposit to open your account. This figure can vary widely across financial institutions, with some requiring no minimum deposit and others requiring a minimum deposit well into the thousands. If you’re a new saver, you may not be able to opt for an account requiring a higher minimum deposit. </p> <h3 class="wp-block-heading">Read the fine print on fees</h3> <p>Certain accounts may charge <a href="https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/">fees</a> for maintaining your account, transferring funds, and more. An excessive fee structure can eat into your balance if you’re not keeping close tabs on your account. Weigh the different fees you could become responsible for and determine if the perks that come with the account outweigh potential penalties down the line. </p> <h3 class="wp-block-heading">Consider access limits on your funds</h3> <p>Not all high-yield savings accounts will come with physical branch access or a large ATM network. If you’re looking for an account that will provide you with face-to-face support and easy access to your funds, double-check that the financial institution you’re considering banking with has locations and ATMs in your area. </p> <h3 class="wp-block-heading">Review online and mobile platforms for usability</h3> <p>If you prefer to do your banking on your desktop or phone, explore the financial institution’s online and mobile platforms before opening an account. Read Apple App Store and Google Play reviews to learn more about the digital platforms and tools available to you and what kinds of features and services are available on those platforms. </p> <h3 class="wp-block-heading">Weigh available customer service options</h3> <p>Lastly, it’s important to know how to contact a representative if you have questions or issues related to your account. Some financial institutions take a digital-first approach and don’t offer easy access to a real human. Others prefer a phone call over chat or email options. Make sure an account’s customer service options align with how you like to communicate.</p> <h2 class="wp-block-heading" id="how-to-open">How to open a high-yield savings account</h2> <p>Ready to open an account? Here’s what to do:</p> <ul><li><strong>Research different banks and credit unions</strong>: Compare accounts from different financial institutions to see which offer the best interest rates and benefits and have the lowest fees. Be sure to check both traditional brick-and-mortar institutions and online banks.</li> <li><strong>Check the requirements</strong>: Some banks might require a minimum deposit to open an account or require a certain balance to avoid fees. Be sure you understand the terms and are comfortable with them.</li> <li><strong>Visit the bank or apply online</strong>: Many banks and credit unions allow you to open an account online or through their mobile app. If you prefer, you can usually go to a physical branch to open your account.</li> <li><strong>Fill out the application</strong>: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.</li> <li><strong>Deposit funds</strong>: Once your application has been approved, you’ll need to deposit funds into the account. The amount will depend on the bank’s requirements.</li></ul> <h2 class="wp-block-heading" id="alternatives"><strong>Alternatives to high-yield savings accounts</strong></h2> <p>High-yield savings accounts differ from other types of deposit accounts in a few key ways:</p> <ul><li><strong>Access to your savings: </strong>High-yield savings accounts are more liquid than other types of accounts, such as CDs. Withdrawing money from a CD before maturity could result in an <a href="https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/">early withdrawal penalty</a>. With a high-yield savings account, you may still be limited in how many withdrawals you can make within a particular time, but you still have some access to your money. Similar to traditional savings and MMAs, you may also have debit cards and/or check privileges. </li> <li><strong>High-yield savings accounts offer variable APYs: </strong>The APY on your high-yield savings account fluctuates, similar to a traditional savings account or <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">MMA</a>. For savers who prefer a fixed rate, a CD may be a better option, but it would mean giving up access to your funds for the duration of your CD term until your account reaches maturity.</li></ul> <h3 class="wp-block-heading"><strong>High-yield savings accounts vs. traditional savings accounts</strong></h3> <p>The primary difference between a high-yield savings account and a traditional <a href="https://fortune.com/recommends/banking/best-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-savings-accounts/">savings account</a> lies in their interest rates. High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, which means that the money saved in a high-yield account grows faster. In some cases, high-yield accounts might come with more restrictions, such as limitations on the number of withdrawals and higher minimum balance requirements.</p> <h3 class="wp-block-heading"><strong>High-yield savings accounts vs. CDs</strong></h3> <p>High-yield savings accounts are similar to traditional savings accounts, with the key difference being that high-yield accounts typically offer a more generous APY. They <a href="https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/">differ from CDs</a> in that high-yield savings accounts preserve access to your funds, while CDs require that you commit to locking up your funds for a fixed term if you hope to avoid a penalty.</p> <h3 class="wp-block-heading"><strong>High-yield savings accounts vs. money market accounts</strong></h3> <p>High-yield savings accounts are similar to <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">MMAs</a> in that you’ll earn interest on your balance and can easily access your funds. One key difference between the two account types is that you may need to deposit and maintain a certain balance to open an MMA and, in some cases, the higher the balance, the higher your rate may be.</p> <h2 class="wp-block-heading" id="methodology"><strong>Our methodology </strong></h2> <p>The Fortune Recommends™ team collaborated with industry leader Curinos to bring you savings accounts with the highest rates from around the country. The rates in this article only cover online and brick-and-mortar banks and do not include credit unions.</p> <p>For the <a href="#editors-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #editors-picks">editors' picks</a>, we compared more than 60 online savings accounts and specifically looked for accounts available to customers in the United States regardless of where they’re located, subject to the terms of each account. <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">Our methodology</a> ranked each account in these core categories: </p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-wI78A" frameBorder="0" height="465" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/wI78A/1/" style="border:none" title="High-yield savings accounts: Editors' methodology" width="100%"></iframe></div></figure> <ul><li><strong>APY (50%): </strong>This number represents the real rate of return on your balance; the higher the APY, the better. </li> <li><strong>Monthly fees (10%): </strong>Some banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list. </li> <li><strong>Minimum amount to earn APY (10%): </strong>To earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor. </li> <li><strong>Minimum opening deposit (10%):</strong> Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive. </li> <li><strong>Mobile app rating (10%): </strong>Many banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple store.</li> <li><strong>Money management tools (5%): </strong>Some banks offer digital tools that make it easier for customers to track their spending and savings.</li> <li><strong>Customer support (5%): </strong>Top picks offer customers various ways to get in contact: chat support, by phone, or even email—our team rated phone support the highest.</li></ul> <h2 class="wp-block-heading" id="FAQs"><strong>Frequently asked questions</strong></h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are high-yield savings accounts safe?</h3></summary><p>Yes, if the account is at a bank or credit union insured by the FDIC or the NCUA, respectively. The <a href="https://fortune.com/recommends/banking/what-is-fdic-insurance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-fdic-insurance/">FDIC insures banks</a> up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA, which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category. </p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are high-yield savings accounts taxable?</h3></summary><p>If you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How are savings rates set?</h3></summary><p>Individual banks set savings rates loosely based on the <a href="https://fortune.com/recommends/article/what-is-the-federal-funds-rate/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/what-is-the-federal-funds-rate/">federal funds rate</a>—the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the <a href="https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/">Fed hikes rates</a>, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers. </p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What’s the difference between APY vs. interest rate?</h3></summary><p>The interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What happens if you put 50,000 in a high-yield savings account?</h3></summary><p>If you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Is it better to put money in a CD or savings?</h3></summary><p>That depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How often can I withdraw money from a high-yield savings account?</h3></summary><p>According to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings accounts.</p></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <ul><li>Check out the <a href="https://fortune.com/recommends/banking/the-best-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-cd-rates/">best CD rates</a> to help you find the term deposits you need most.</li> <li>Our ranking of the <a href="https://fortune.com/recommends/banking/best-online-banks/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-online-banks/">best online banks</a> shows you which online bank is best for your needs.</li> <li>Choosing one of the <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">best money market accounts</a> can help you maximize your returns.</li> <li>The <a href="https://fortune.com/recommends/banking/best-checking-account-bonuses/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-checking-account-bonuses/">best checking account bonuses</a> can give savers a boost on their balances.</li> <li>You’ll never pay annual fees for checking when you choose one of the <a href="https://fortune.com/recommends/banking/best-free-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-free-checking-accounts/">best free checking accounts</a>.</li></ul></div></div></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea">Follow Fortune Recommends on <a href="https://www.linkedin.com/showcase/fortunerecommends/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.linkedin.com/showcase/fortunerecommends/" rel="noopener">LinkedIn,</a> <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener">X</a>, and <a href="https://www.tiktok.com/@fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.tiktok.com/@fortunerecs" rel="noopener">TikTok</a>.</div></div></div></div><div class="sc-82385409-3 dKaNXQ bottom-section"><div data-cy="authors-bio-cards" class="sc-82385409-6 kSOnKx"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> <!-- -->editorial team. 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data-cy="article-card-date">November 22, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="Best high-yield savings account rates: Updated daily" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' 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See which banks are offering the highest rates today.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"BEST HIGH-YIELD SAVINGS ACCOUNT RATES: UPDATED DAILY","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eYour savings can score a superior interest rate—you just have to know where to look. Right now, the best high-yield savings accounts offer annual percentage yields (APYs) of 5% or more.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends editorial team looked at more than 60 banks and credit unions and identified several financial institutions offering high yields, some more than 11 times the national average.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCompared over 60 financial institutions\u003c/li\u003e\n\n\n\n\u003cli\u003eOver 600 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by over 25 years of banking experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-accounts\"\u003eTop 20 highest savings rates on the market for November 2024\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest savings account rates (from Curinos) (top 20)\" aria-label=\"Table\" id=\"datawrapper-chart-K2ZbS\" src=\"https://datawrapper.dwcdn.net/K2ZbS/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"666\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eSPONSORED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"sofi\" class=\"card-title\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eSoFi® Checking \u0026amp; Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003eMember FDIC\u003c/p\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003eUp to 4.20%*\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003ca class=\"card-image-link\" href=\"https://fortune.com/advertiser-disclosure/\" target=\"_blank\" rel=\"noopener\"\u003eAdvertiser Disclosure\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat SoFi\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAbout\r\n\r\n\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\r\n\u003cbr\u003e\u003ci\u003eMember FDIC\u003c/i\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nAdditional Details\r\n\r\n\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat SoFi\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"calculator\"\u003eCalculate interest earnings on top savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eAre you curious about your earning potential with these banks? Use the calculator below to see how much interest you could earn with various deposits, contributions, and interest rates. Keep in mind that the APY on savings accounts can fluctuate without warning, so if you want to lock in a high interest rate for an extended time, you may want to consider \u003ca href=\"https://fortune.com/recommends/banking/highest-current-cd-rates/\"\u003ecertificates of deposit (CDs)\u003c/a\u003e instead.\u003c/p\u003e\n\n\n\n\u003cscript type=\"application/javascript\" src=\"https://www.moneylion.com/network/fortune/calculators/web-component/savings-calculator/index.js\"\u003e\u003c/script\u003e\n\u003cmoneylion-savings-calculator\u003e\u003c/moneylion-savings-calculator\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"editors-picks\"\u003eThe best high-yield savings accounts: Editors' picks\u003c/h2\u003e\n\n\n\n\u003cp\u003eOur picks for this month’s best high-interest savings accounts offer high yields, low fees, and other important features, such as ATM access, online and mobile banking, and more. Plus, each account is protected by the Federal Deposit Insurance Corp. (FDIC), which insures up to $250,000 per depositor, per account, giving you an extra sense of security for your savings.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cem\u003e\u003cstrong\u003e\u003cem\u003eNote: \u003c/em\u003e\u003c/strong\u003e\u003cem\u003eAPYs in our list below are updated daily but are subject to change. \u003c/em\u003e\u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/#methodology\"\u003e\u003cem\u003eRead our full methodology here\u003c/em\u003e\u003c/a\u003e\u003cem\u003e.\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"lendingclub\"\u003eLendingClub: 5.00% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eLendingClub boasts more than 4.8 million customers since its founding in 2007. While it’s best known for its personal loans, it also offers savings and checking accounts as well as certificates of deposit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"lendingclub\" class=\"card-title\"\u003eLendingClub High-Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;5.00%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e5.00%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$100\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$100\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat LendingClub\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional Details\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET.\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eBy opting for the LendingClub savings account, you can secure a 5.00% APY with minimal requirements. All you need to do is make a minimum opening deposit of $100 then continue to add at least $250 per month to the account. If you don’t meet these requirements, you still get a very respectable rate of 4.80%.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd despite being a savings account, you'll have the convenience of an ATM card to easily access your funds whenever necessary. As part of both the MoneyPass and SUM ATM networks, this means you can have free access to your funds at tens of thousands of locations.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by LendingClub\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eRewards checking\u003c/td\u003e\u003ctd\u003e1% cash back on all qualifying purchases\u003cbr\u003eUnlimited ATM fee rebates\u003cbr\u003eNo monthly maintenance or overdraft fees\u003cbr\u003eNo minimum balance or transaction requirements\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eTerms from 6 months to 5 years\u003cbr\u003eUp to 4.00% APY (on the 6-month CD)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/lendingclub-review/\"\u003eLendingClub review\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"newtek\"\u003eNewtek Bank: 5.25% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eNewtek Bank is a division of the company NewtekOne. It focuses on business banking products, including helpful dashboards, business checking, and business MMAs. Newtek Bank’s personal banking products are limited to a high-yield savings account and CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"newtek\" class=\"card-title\"\u003eNewtek Bank Personal High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.25%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. \r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith Newtek Bank, you get a low-cost savings account with a stellar rate that’s over 11 times the current national average. There’s no minimum opening deposit or monthly maintenance fees. Plus, you only need to have a balance of $0.01 to earn interest, meaning you can grow your savings no matter how small you’re starting out.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can rest assured knowing there are no service charges or transaction fees related to the account, although, as with savings accounts, there’s a limit of six transactions per statement cycle.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can access your funds easily on Newtek’s digital platform. Its app is rated quite well for both Apple and Android, with 4.6 and 4.4 stars, respectively. Newtek also offers many customer service options, so if you need help, you can connect with them via video, audio, text chat, or phone call.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Newtek Bank\u003c/summary\u003e\n\u003cp\u003eNewtek Bank offers a wide range of CDs with 6–60 month term lengths and a minimum opening deposit of $2,500. It also offers several business banking products, including business checking and business MMAs.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eAvailable term lengths: 6–60 months\u003cbr\u003eTop APY: 5.25%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/newtek-bank-review/\"\u003eNewtek Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"ufb\"\u003eUFB Direct: 4.31% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eUFB Direct's branchless, online-only model allows it to keep costs down and offer some of the best rates on savings and money market accounts on the market. It offers high-yield savings, money market accounts (MMAs), and checking accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"ufb\" class=\"card-title\"\u003eUFB Portfolio Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.31%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=300\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26725181\u0026#038;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat UFB Direct\u003c/p\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can contact a customer service representative via telephone 24 hours a day, 365 days a year, or via secure messaging in their mobile banking app.\u003c/div\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eUFB Direct’s savings account rivals competitors in rate, with a 4.31% APY. With no minimum deposit requirement and zero monthly fees, this account could be a great option for anyone looking to boost their savings. UFB Direct also stands out for its massive ATM network of over 91,000 locations, highly rated mobile app, and generous customer service hours, including 24/7 phone support.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, the UFB portfolio savings account includes a complimentary ATM card for fast cash.\u003c/p\u003e\n\n\n\n\u003cp\u003ePeople with large amounts of cash should be aware of the UFB Direct savings account’s limits:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e$250,000 maximum opening deposit\u003c/li\u003e\n\n\n\n\u003cli\u003e$30,000 maximum daily transfer\u003c/li\u003e\n\n\n\n\u003cli\u003e$60,000 maximum monthly transfer\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by UFB Direct\u003c/summary\u003e\n\u003cp\u003eIn addition to its high-yield savings account, UFB offers a checking account and an MMA. If you bundle the Freedom Checking account with the Portfolio Savings account, you could be eligible for an APY of 4.77%, an extra 0.20% boost.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe checking account has no monthly fees, and the Portfolio Money Market’s $10 fee can be waived with a balance of over $5,000.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eUFB Freedom Checking\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $0\u003cbr\u003eMonthly fees: $0\u003cbr\u003eATM fee reimbursement: Up to $10 per month\u003cbr\u003eAPY: Up to 2.00%, plus higher savings rates with a Freedom Boost of up to 0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUFB Portfolio Money Market Account\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $0\u003cbr\u003eTop APY: 4.31%\u003cbr\u003eMonthly fees: $10, waived if ADB is over $5,000\u003cbr\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eIn addition to these deposit accounts, UFB Direct offers mortgage loans, portfolio loans, Jumbo loans, and home equity lines of credit (HELOC).\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/ufb-direct-bank-review/\"\u003eUFB Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"mybankingdirect\"\u003e\u003cstrong\u003eMy Banking Direct: 4.85% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eMy Banking Direct is an online-only bank and division of Flagstar, N.A., one of the largest regional banks with a significant retail presence in the Midwest and California.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"mybankingdirect\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" rel=\"nofollow noopener noreferrer\"\u003eMy Banking Direct\u003c/a\u003e\u003c/h4\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png\"/\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call 24/7 to reach an automated system or talk to a banker Monday–Friday from 8 a.m. to 8 p.m. Eastern time, Saturday from 9 a.m. to 5 p.m. ET, and Sunday from 9 a.m. to 2 p.m. ET. They can also send a secure message through the online banking portal\u003c/div\u003e\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eMy Banking Direct’s 4.85% APY is impressive, and with no monthly fee and only $1 needed to earn the APY, it’s a highly accessible account as long as you’ve got\u0026nbsp; $500 to open it.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMobile banking (including mobile check deposits), automatic deposits, and unlimited transactions make this account appealing for short- or long-term savings goals. My Banking Direct’s mobile app is through its parent company, Flagstar, and the Flagstar Mobile Banking app is rated well for both Apple and Android users. It uses fingerprint and face ID for extra security.\u003c/p\u003e\n\n\n\n\u003cp\u003eMy Banking Direct makes it easy to set up automatic direct deposits, helping you grow your savings quickly and effortlessly. You can also utilize mobile check deposits, so you’ve got options for how you want to add to your account.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by My Banking Direct\u003c/summary\u003e\n\u003cp\u003eMy Banking Direct offers a free checking account and a five-month CD with an online renewal option, in addition to a prepaid benefits debit card and financial calculators.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eFree checking account\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1\u003cbr\u003eMonthly fees: $0\u003cbr\u003eTop APY: None\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eTop APY: 5.50%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eread our \u003ca href=\"https://fortune.com/recommends/banking/my-banking-direct-review/\"\u003eMy Banking Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"evergreen\"\u003e\u003cstrong\u003eEvergreen Bank Group: 4.75%% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eFounded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"evergreen\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" rel=\"nofollow noopener noreferrer\"\u003eEvergreen Bank Group High-Yield Online Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.75%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eEvergreen Bank can be reached by phone or email. Its website states it will respond within one business day.\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith a 4.75% APY and a low minimum opening deposit of $100, Evergreen Bank Group's high-yield savings account is accessible and affordable. You can sign up for an account online (it claims it can be opened in about three minutes) and fund it via ACH transfer or debit card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no monthly fees and interest compounding daily, Evergreen can help your money grow quickly and safely. It also includes a free financial management tool to help you stay on track.\u003c/p\u003e\n\n\n\n\u003cp\u003eNote that this account gives you plenty of room to grow: the 4.75% APY applies to balances up to $1 million.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Evergreen Bank Group\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eThree account types: Basic, cash back, and rewards\u003cbr\u003eNo monthly fees\u003cbr\u003eOpen with a minimum of $100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$2,500 minimum to open\u003cbr\u003e$15 monthly service fee, waived if ABD is over $2,500\u003cbr\u003eTiered interest: From 0.30%–0.50%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eUp to 4.25% APY on a 6-month term\u003cbr\u003eMinimum opening deposit of $500\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/evergreen-bank-review/\"\u003eEvergreen Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"forbright\"\u003e\u003cstrong\u003eForbright Bank: 5.00% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is a climate-conscious bank offering online deposit accounts, including savings and CDs, loans, and business banking. As a fossil-free certified institution, it strives to fund sustainable business practices and keep customers’ money out of planet-destroying ventures.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"forbright\" class=\"card-title\"\u003eForbright Bank Growth Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone Monday through Friday from 8 am to 8 pm, ET.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no minimum deposit to open and no monthly fees, keep more of your money with Forbright Bank’s impressive 5.00% APY. Opening an account online takes minutes, and you can start earning interest as soon as you make your first deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Growth Savings account also allows for unlimited digital transfers to external accounts, meaning you can access your money wherever and whenever you need it.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith a focus on sustainability, people banking with Forbright can feel secure knowing their money will be going toward projects like developing clean energy.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Forbright Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $25\u003cbr\u003eTerm lengths: 9–60 months\u003cbr\u003eTop APY: 4.25\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"bread\"\u003e\u003cstrong\u003eBread Savings\u003c/strong\u003e: 4.65% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eBread Savings is part of Bread Financial, a financial services company with a tech-forward focus. It offers a high-yield savings account and CDs, and prides itself on maintaining some of the highest interest rates so customers don’t have to shop around.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"cloudbank\" class=\"card-title\"\u003eBread Savings High Yield Savings Account\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.65%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can talk to a representative Monday through Friday from 7:00 a.m. to 9:00 p.m. CT, or message securely in online banking.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u0026nbsp;\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith a 4.65% APY and a $100 minimum opening deposit, Bread Savings’ high-yield account could be a great option for someone who doesn’t mind banking at multiple institutions, as Bread Savings doesn’t offer any checking account products. With no hidden fees, free ACH transfers, free incoming wire transfers, and free online statements, you can keep more of your money in savings instead of worrying about fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, Bread Savings offers a wide range of financial tools and calculators on its website, showing you what it’ll take to reach your financial goals.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Bread Savings\u003c/summary\u003e\n\u003cp\u003eOther than its high-yield savings account, Bread Savings offers CDs with competitive interest rates.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1,500\u003cbr\u003eTerm lengths: 3 months to 5 years\u003cbr\u003eAPY range: 3.85% to 4.70%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bread-savings-review/\"\u003eBread Savings review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"cloudbank\"\u003e\u003cstrong\u003eCloudbank 24/7: 4.57% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eCloudbank 24/7 is a digital bank that’s backed by Third Coast Bank SSB, a community bank that operates in Texas. It specializes in providing online banking products with competitive interest rates.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"cloudbank\" class=\"card-title\"\u003eCloudbank 24/7 High Yield Savings Account\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.57%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you need customer service, you can fill out a contact form on Cloudbank 24/7's website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCloudbank 24/7 offers its high-yield savings account through Raisin, a digital marketplace that allows customers to compare accounts easily before applying. With a 4.57% APY and a minimum opening deposit of $1, opening a Cloud 24/7 savings account is as simple as creating a Raisin account online and depositing money to start earning interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eInterest for the account is compounded daily and credited to your account at the end of each month, and deposits are FDIC insured through Third Coast Bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you ever need help with your account, you can reach Raisin customer service via email, phone, or secure messaging on their site. On its mobile app, you can view your account balances, transfer money between accounts, utilize mobile check deposit, and more.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Cloudbank 24/7\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$1,000 minimum opening deposit\u003cbr\u003e1.00% APY on its 15-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/cloudbank-247-review/\"\u003eCloudBank 24/7 review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"bask\"\u003eBask Bank: 4.65% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eBask Bank was founded in 1999 by members of Texas Capital Bank as the first online-only savings bank in the US. It began by providing the Bask Mileage Savings Account for earning airline miles, but has expanded to offer checking, savings, CDs, and more.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"bask\" class=\"card-title\"\u003eBask Bank Interest Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.65%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723480\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPhone service available from 7 am to 7 pm CT Monday through Friday, and Saturday from 9 am to 4 pm CT.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723480\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no fees nor minimum balance requirements, you can keep more of your money for yourself and grow it faster with Bask Bank’s generous 4.65% APY. Plus, you can open an account online in 15 minutes or less.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eInterest for the account is compounded daily and credited every month. The only fees you may encounter are a $20 domestic wire fee and a $35 international wire fee, and you can withdraw your money at any time with no limitations.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Bask Bank\u003c/summary\u003e\n\u003cp\u003eIn addition to its savings products, Bask Bank offers checking and CD accounts:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eInterest Checking\u003c/td\u003e\u003ctd\u003e1% APY (even higher with qualifying activities)\u003cbr\u003eAccess to over 55,000 fee-free ATM locations\u003cbr\u003eNo monthly maintenance fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1,000\u003cbr\u003eTerm lengths: 3 months to 2 years\u003cbr\u003eTop APY: 4.65\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bask-bank-review/\"\u003eBask Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"first-foundation\"\u003eFirst Foundation Bank: 4.75% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank was founded by Rick Keller of the Keller Group, a wealth management firm that was started in 1990 and added banking products in 2007. First Foundation was officially chartered in 2008 and currently supplies a full suite of deposit offerings for personal consumers and businesses, as well as wealth management services.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-foundation-bank\" class=\"card-title\"\u003eFirst Foundation Bank Online Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$1000\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e24/7 telephone support for general inquiries, plus virtual and email support options\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile there is a $1000 minimum deposit to open the account, as long as you’ve got that ready to store away, you’ll get a generous 4.75% APY. Interest compounds daily and is credited to the account at the end of the month.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile the opening deposit is a bit steep, only a penny is needed to earn interest on the account; so it can serve as a flexible container for your funds and still earn APY, regardless of the account balance. Customers can also request an ATM card to transfer funds between checking and savings accounts, as well as deposit or withdraw funds. Just note that there’s a limit of up to $500 per day for withdrawals.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by First Foundation Bank\u003c/summary\u003e\n\u003cp\u003eFirst Foundation Bank also offers checking, MMA, and CD accounts:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003eThree accounts: Personal Checking, Personal Interest Checking, and Senior Interest Checking\u003cbr\u003eNationwide ATM fee reimbursement\u003cbr\u003ePersonal Interest Checking has a $20 monthly maintenance fee; waivable with qualifying activities\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1000\u003cbr\u003eAPY: 4.9%\u003cbr\u003eMonthly fee: $0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eTerm lengths: 9 and 12 months\u003cbr\u003eTop APY: 4.40\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-foundation-bank-review/\"\u003eFirst Foundation Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it.\"\u003cbr\u003e\u003cbr\u003e- \u003ca href=\"https://fortune.com/author/kristy-snyder/\"\u003eKristy Snyder\u003c/a\u003e, personal finance expert and Fortune contributor\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"more-editors-picks\"\u003eSee more savings accounts we've reviewed\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAccount type\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAPY*\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eMinimum opening deposit\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eWelcome bonus\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eLearn more\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eSponsored partner\u003c/mark\u003e\u003cbr\u003eSoFi® Checking \u0026amp; Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to 4.20%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to $300*\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" data-type=\"link\" data-id=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\u0026amp;subid2=table\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat SoFi®\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003eLendingClub High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat LendingClub\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNewtek Bank Personal High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.25%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" data-type=\"link\" data-id=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUFB Direct Portfolio Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.31%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26725181\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat UFB Direct\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eMyBankingDirect High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.85%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$500\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eEvergreen Bank Group\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eForbright Bank\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723554\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eBread Savings High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.65%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723479\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eCloudBank 24/7\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.57%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eBask Bank \u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.65%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eFirst Foundation Bank\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1000\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723493\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003eBest high-yield savings accounts: Editors' picks\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCurrent news on savings account interest rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile we have seen CD rates drop after the Fed cut rates on Sept. 18, some high-yield savings rates have held steady. In the short term, these rates should hold steady or slightly drop. However, future rate cuts may force banks to drop savings rates. It might be a good time to consider a \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ecertificate of deposit\u003c/a\u003e. You can lock in a rate with a CD and ensure a solid rate of return, as opposed to your savings account, which might see a steady rate decline.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eMajor national banks with high-yield savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eMajor national banks generally offer minuscule APYs compared to some of the top institutions on our list. For example, Bank of America, Chase Bank, and Wells Fargo offer a measly APY of 0.01% on their savings accounts, whereas most of the options listed above are over 5%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLarge banks don’t rely on the money consumers deposit into their savings accounts the way smaller banks do. Huge financial institutions make their money from interest paid on loans, fees, and securities. Smaller banks and online fintechs are continuously looking for ways to draw in new customers, and offering competitive APYs on their deposit accounts is a great incentive. Additionally, online banks generally have fewer upfront costs, so they can offer better rates to their customers.\u003c/p\u003e\n\n\n\n\u003cp\u003eThat being said, a few major banks still offer decent rates on savings accounts. Here are several national banks and their savings account APYs as compared to the best on our list:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eMajor Institution\u003c/th\u003e\u003cth\u003eCurrent APY\u003c/th\u003e\u003cth\u003eOur top contenders\u003c/th\u003e\u003cth\u003eCurrent APY\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMy Banking Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eBrioDirect\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSoFi\u003c/td\u003e\u003ctd\u003eUp to 4.20%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTAB Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.52%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eNewtek Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e5.25%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eUFB Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.31%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e4.20%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eEvergreen Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePNC Bank\u003c/td\u003e\u003ctd\u003e4.65%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eEverbank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003ePopular Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.6%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003e\u003cstrong\u003eWhat is a high-yield savings account (HYSA)?\u0026nbsp;\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/banking/what-is-high-yield-savings-account/\"\u003ehigh-yield savings account\u003c/a\u003e works just like a \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003etraditional savings account\u003c/a\u003e. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money. The main difference is that the high-yield savings account offers a much higher APY on the money you keep in your account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eAPY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe most recent rates from the FDIC put the national savings APY average at 0.46%, while there are many high-yield savings accounts that offer a 4.00% APY or higher.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eMonthly maintenance fee\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eSome financial institutions charge a monthly fee to cover the administrative costs of providing a savings account. These fees can often be waived by meeting certain requirements, such as maintaining a minimum balance or linking a checking account. However, fees can easily wipe away your interest earnings, so choosing an account that charges minimal or no fees is important, if possible.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eMinimum deposit\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eYou may be required to deposit a minimum amount of money to open a high-yield savings account. Depending on the account, the amount can range from $0 to $1,000 or more. It’s also common for high-yield savings account rates to be tiered, meaning higher rates are available for higher balances. Always check the balance requirements of an account to find out if you need to meet a certain threshold to earn the advertised rate.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"One trick I use is to have multiple high-yield savings accounts. Then, as rates fluctuate between them, I move my money around to the account with the best APY. This has helped me earn hundreds in interest over the years.\" - Kristy Snyder, Fortune contributor\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-does-it-work\"\u003eHow does a high-yield savings account work?\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you deposit money in a high-yield savings account, your savings will grow thanks to the magic of \u003ca href=\"https://fortune.com/recommends/banking/what-is-compound-interest/\"\u003ecompound interest\u003c/a\u003e. This means you’ll earn interest on the principal balance in your account and any interest you earned previously. For example, if you deposited $100 in your account and earned $10 in interest over the past few months, you will earn interest on the entire $110.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCan savings account interest rates change?\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe APY on your account can and likely will fluctuate any time the Fed raises or decreases the federal funds rate. That’s the interest rate banks charge one another to borrow money, and your bank may be inclined to raise or lower rates on its financial products based on these changes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow much will $10,000 make in a high-yield savings account?\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe interest you’d earn on a $10,000 deposit depends on the annual percentage yield and frequency of compounding.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor example, if you deposited $10,000 into a high-yield savings account that earns 5% APY\u003cstrong\u003e—\u003c/strong\u003eand didn’t make any other contributions\u003cstrong\u003e—\u003c/strong\u003eyou’d have a total balance of $10,500 at the end of one year, assuming the interest compounds annually. If it compounds daily, you’d have a bit more: $10,512.67.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe rate at which your interest compounds (daily, weekly, monthly, or annually) will depend on the financial institution.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of high-yield savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you’re considering putting your money in a high-yield savings account, there are a few key benefits and drawbacks to be aware of.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDeposits are insured by the FDIC\u003c/li\u003e\n\u003cli\u003eCompetitive interest rates\u003c/li\u003e\n\u003cli\u003eCan’t lose money\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eInterest rate can decrease\u003c/li\u003e\n\u003cli\u003eReturns don’t compare to securities\u003c/li\u003e\n\u003cli\u003eMonthly withdrawals may be capped\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eAdvantages of high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003eOne of the main advantages of high-yield savings accounts is that they typically offer interest rates well above the national average. Currently, the national average APY for a traditional savings account sits at 0.45%, whereas some of the high-yield accounts on our list boast rates as high as 5.00%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eA high-yield savings account also provides greater security than some other investment options. Most high-yield accounts are FDIC- or National Credit Union Administration (NCUA)-insured, meaning that your deposits are protected up to $250,000 per depositor, per institution in the event of a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDisadvantages of high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003eMeanwhile, you usually won’t earn as much in a savings account as you would by investing your money in the market, even with a high-yield account. Even so, high-yield savings accounts are sensitive to changes in the economy, which means that your APY can increase or decrease at the discretion of your bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThere may also be a cap on your monthly withdrawals. Your financial institution may limit the number of withdrawals you can make each month. You may be charged a fee for each additional transaction if you exceed the limit.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-uses\"\u003eBest uses for a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts can be an effective savings vehicle for savers with many different types of goals. A few \u003ca href=\"https://fortune.com/recommends/banking/what-is-high-yield-savings-account/\"\u003ecommon uses for high-yield saving accounts\u003c/a\u003e include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eEmergency savings: \u003c/strong\u003eYou’ll never exactly know when you’ll need to dip into your \u003ca href=\"https://fortune.com/recommends/banking/how-to-start-emergency-fund/\"\u003eemergency savings\u003c/a\u003e. A high-yield savings account is a liquid account that makes it easy to access your funds in a pinch.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSavings for major purchases: \u003c/strong\u003eSay you want to purchase a new home appliance or save for a down payment on a new vehicle you plan to purchase within the next few months. A high-yield savings account can help you earn interest on your savings until it’s time to make your purchase.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eShort-term financial goals: \u003c/strong\u003eA high-yield savings account is a great place to stash your cash for a specific goal, such as a family vacation or home renovation.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best high-yield savings account for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing the right high-yield savings account will require you to think carefully about your financial habits, preferences, and goals so that you can select the account that best suits your needs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eShop around for a lucrative APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe APY is the interest you can expect to earn on the money you keep in your account for one year. While this percentage may fluctuate depending on your bank and the economy's health, you’ll want to give your savings the greatest chance of growing and earning as much compound interest as possible.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe FDIC regularly publishes \u003ca href=\"https://www.fdic.gov/resources/bankers/national-rates/index.html\"\u003eaverage national rates\u003c/a\u003e for various accounts, including high-yield savings accounts, so this is a trustworthy resource to use when shopping around for rates. Ideally, a lucrative high-yield savings account will offer a savings rate of at least 10 times that rate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eConsider the requirements for opening an account\u003c/h3\u003e\n\n\n\n\u003cp\u003eMany, but not all, high-yield savings accounts require a minimum deposit to open your account. This figure can vary widely across financial institutions, with some requiring no minimum deposit and others requiring a minimum deposit well into the thousands. If you’re a new saver, you may not be able to opt for an account requiring a higher minimum deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eRead the fine print on fees\u003c/h3\u003e\n\n\n\n\u003cp\u003eCertain accounts may charge \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003efees\u003c/a\u003e for maintaining your account, transferring funds, and more. An excessive fee structure can eat into your balance if you’re not keeping close tabs on your account. Weigh the different fees you could become responsible for and determine if the perks that come with the account outweigh potential penalties down the line.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eConsider access limits on your funds\u003c/h3\u003e\n\n\n\n\u003cp\u003eNot all high-yield savings accounts will come with physical branch access or a large ATM network. If you’re looking for an account that will provide you with face-to-face support and easy access to your funds, double-check that the financial institution you’re considering banking with has locations and ATMs in your area.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eReview online and mobile platforms for usability\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you prefer to do your banking on your desktop or phone, explore the financial institution’s online and mobile platforms before opening an account. Read Apple App Store and Google Play reviews to learn more about the digital platforms and tools available to you and what kinds of features and services are available on those platforms.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWeigh available customer service options\u003c/h3\u003e\n\n\n\n\u003cp\u003eLastly, it’s important to know how to contact a representative if you have questions or issues related to your account. Some financial institutions take a digital-first approach and don’t offer easy access to a real human. Others prefer a phone call over chat or email options. Make sure an account’s customer service options align with how you like to communicate.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-open\"\u003eHow to open a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eReady to open an account? Here’s what to do:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eResearch different banks and credit unions\u003c/strong\u003e: Compare accounts from different financial institutions to see which offer the best interest rates and benefits and have the lowest fees. Be sure to check both traditional brick-and-mortar institutions and online banks.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCheck the requirements\u003c/strong\u003e: Some banks might require a minimum deposit to open an account or require a certain balance to avoid fees. Be sure you understand the terms and are comfortable with them.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eVisit the bank or apply online\u003c/strong\u003e: Many banks and credit unions allow you to open an account online or through their mobile app. If you prefer, you can usually go to a physical branch to open your account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFill out the application\u003c/strong\u003e: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit funds\u003c/strong\u003e: Once your application has been approved, you’ll need to deposit funds into the account. The amount will depend on the bank’s requirements.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to high-yield savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts differ from other types of deposit accounts in a few key ways:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAccess to your savings: \u003c/strong\u003eHigh-yield savings accounts are more liquid than other types of accounts, such as CDs. Withdrawing money from a CD before maturity could result in an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e. With a high-yield savings account, you may still be limited in how many withdrawals you can make within a particular time, but you still have some access to your money. Similar to traditional savings and MMAs, you may also have debit cards and/or check privileges.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHigh-yield savings accounts offer variable APYs: \u003c/strong\u003eThe APY on your high-yield savings account fluctuates, similar to a traditional savings account or \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMA\u003c/a\u003e. For savers who prefer a fixed rate, a CD may be a better option, but it would mean giving up access to your funds for the duration of your CD term until your account reaches maturity.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. traditional savings accounts\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe primary difference between a high-yield savings account and a traditional \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003esavings account\u003c/a\u003e lies in their interest rates. High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, which means that the money saved in a high-yield account grows faster. In some cases, high-yield accounts might come with more restrictions, such as limitations on the number of withdrawals and higher minimum balance requirements.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. CDs\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts are similar to traditional savings accounts, with the key difference being that high-yield accounts typically offer a more generous APY. They \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003ediffer from CDs\u003c/a\u003e in that high-yield savings accounts preserve access to your funds, while CDs require that you commit to locking up your funds for a fixed term if you hope to avoid a penalty.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. money market accounts\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts are similar to \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMAs\u003c/a\u003e in that you’ll earn interest on your balance and can easily access your funds. One key difference between the two account types is that you may need to deposit and maintain a certain balance to open an MMA and, in some cases, the higher the balance, the higher your rate may be.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends™ team collaborated with industry leader Curinos to bring you savings accounts with the highest rates from around the country. The rates in this article only cover online and brick-and-mortar banks and do not include credit unions.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor the \u003ca href=\"#editors-picks\"\u003eeditors' picks\u003c/a\u003e, we compared more than 60 online savings accounts and specifically looked for accounts available to customers in the United States regardless of where they’re located, subject to the terms of each account. \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003eOur methodology\u003c/a\u003e ranked each account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"High-yield savings accounts: Editors\u0026#039; methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-wI78A\" src=\"https://datawrapper.dwcdn.net/wI78A/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (50%): \u003c/strong\u003eThis number represents the real rate of return on your balance; the higher the APY, the better.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eSome banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum amount to earn APY (10%): \u003c/strong\u003eTo earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (10%):\u003c/strong\u003e Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (10%): \u003c/strong\u003eMany banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple store.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMoney management tools (5%): \u003c/strong\u003eSome banks offer digital tools that make it easier for customers to track their spending and savings.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eTop picks offer customers various ways to get in contact: chat support, by phone, or even email—our team rated phone support the highest.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003e\u003cstrong\u003eFrequently asked questions\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre high-yield savings accounts safe?\u003c/summary\u003e\n\u003cp\u003eYes, if the account is at a bank or credit union insured by the FDIC or the NCUA, respectively. The \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC insures banks\u003c/a\u003e up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA, which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre high-yield savings accounts taxable?\u003c/summary\u003e\n\u003cp\u003eIf you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow are savings rates set?\u003c/summary\u003e\n\u003cp\u003eIndividual banks set savings rates loosely based on the \u003ca href=\"https://fortune.com/recommends/article/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e—the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the \u003ca href=\"https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/\"\u003eFed hikes rates\u003c/a\u003e, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the difference between APY vs. interest rate?\u003c/summary\u003e\n\u003cp\u003eThe interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat happens if you put 50,000 in a high-yield savings account?\u003c/summary\u003e\n\u003cp\u003eIf you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs it better to put money in a CD or savings?\u003c/summary\u003e\n\u003cp\u003eThat depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow often can I withdraw money from a high-yield savings account?\u003c/summary\u003e\n\u003cp\u003eAccording to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings accounts.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCheck out the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e to help you find the term deposits you need most.\u003c/li\u003e\n\n\n\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/best-online-banks/\"\u003ebest online banks\u003c/a\u003e shows you which online bank is best for your needs.\u003c/li\u003e\n\n\n\n\u003cli\u003eChoosing one of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e can help you maximize your returns.\u003c/li\u003e\n\n\n\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\n\n\n\n\u003cli\u003eYou’ll never pay annual fees for checking when you choose one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3378243,"dateGmt":"2024-04-26T12:53:55","dek":"","description":"Today's best high-yield savings account offer rates of 5% APY and above. See which banks are offering the highest rates today.","faq":[{"answer":"Yes, if it’s offered by a bank or credit union insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Association (NCUA) respectively. . The FDIC insures banks up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category.","question":"Are high-yield savings accounts safe?","__typename":"FaqField"},{"answer":"Savings rates are set by individual banks and are loosely based on the federal funds rate, which is the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the Fed hikes rates, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers.","question":"How are savings rates set?","__typename":"FaqField"},{"answer":"Savings rates can change at any time. It’s important to remember that the rate information provided on the day you open the account is not a fixed rate. Banks and credit unions can, and likely will, adjust rates based on changes in the economy and interest rate increases or decreases by the Fed.","question":"How often do high savings rates change?","__typename":"FaqField"},{"answer":"According to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings account.","question":"How often can I withdraw money from a high-yield savings account?","__typename":"FaqField"},{"answer":"A high-yield savings account is a viable option for savers who are looking to save money for a large purchase, a short-term or mid-range financial goal, or who want to maximize their savings and keep their money safe in a federally-insured account.","question":"In which situation would a high-yield-savings account be the best banking choice?","__typename":"FaqField"},{"answer":"If you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.","question":"Are high-yield savings accounts taxable?","__typename":"FaqField"},{"answer":"If you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time.","question":"What happens if you put 50,000 in a high-yield savings account?","__typename":"FaqField"},{"answer":"What’s considered a “good” rate is somewhat subjective. The national average savings account rate is 0.47%, so any rate above that would be considered above-average. However, some banks offer savings accounts that offer an APY that exceeds 4%. So, if you’re looking for a high-yield savings account, it pays to shop around to find the highest rates available.","question":"What is a good high-yield savings account rate?","__typename":"FaqField"},{"answer":"The interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year.","question":"What’s the difference between APY vs. interest rate?","__typename":"FaqField"},{"answer":"It's very unlikely that you'll lose money in a high-yield savings account. Make sure the financial institution you choose is insured through the FDIC (or the NCUA for a credit union)—this way, in the rare case of a bank failure, your money is insured, up to $250,000 per person.","question":"Can you ever lose your money with high-yield savings account?","__typename":"FaqField"},{"answer":"That depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal.","question":"Is it better to put money in a CD or savings?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#top-accounts\"\u003eThis month's top high-yield savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#calculator\"\u003eSavings calculator\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#editors-picks\"\u003eEditors' picks\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#lendingclub\"\u003eLendingClub\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#newtek\"\u003eNewtek Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ufb\"\u003eUFB Direct\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#mybankingdirect\"\u003eMyBankingDirect\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#evergreen\"\u003eEvergreen Bank Group\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#forbright\"\u003eForbright Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bread\"\u003eBread Savings\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#more-editors-picks\"\u003eSee more\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a high-yield savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-does-it-work\"\u003eHow does a high-yield savings account work?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons of a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-uses\"\u003eBest uses for a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best high-yield savings account for you\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-open\"\u003eHow to open a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eHYSA alternatives\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozMzc4MjQz","image":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?resize=1200,600","imageCaption":"The rate at which your interest compounds will depend on the financial institution you bank with. ","imageCredit":"Illustration by Tim Boelaars","keywords":"best high-yield savings accounts","link":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","metaTitle":"Best high-yield savings account rates: Updated daily","modifiedGmt":"2024-11-22T19:28:08","pageType":"evergreen","platformCD":"recommends","postId":3378243,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Illustration showing an increasing bar chart","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"savings accounts","primaryTagId":447854072,"link":"https://fortune.com/tag/savings-accounts/","uri":"/tag/savings-accounts/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Banking","Savings Accounts"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"Savings Accounts","sectionId":447863945,"slug":"savings","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"Grow your savings faster with a better savings account.","socialTitle":"These high-yield savings accounts give returns over 5%","stickyCta":null,"tagNames":["APY","Best-of","Editor's Picks","no copyright","Personal Finance","Rankings and Roundups","savings accounts"],"tags":[{"name":"APY","tagId":447854075,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Personal Finance","tagId":10625,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"savings accounts","tagId":447854072,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg","title":"Best high-yield savings account rates: Updated daily","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Savings","description":null,"slug":"cat-savings"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Today's best high-yield savings account offer rates of 5% APY and above. See which banks are offering the highest rates today.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"BEST HIGH-YIELD SAVINGS ACCOUNT RATES: UPDATED DAILY","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eYour savings can score a superior interest rate—you just have to know where to look. Right now, the best high-yield savings accounts offer annual percentage yields (APYs) of 5% or more.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends editorial team looked at more than 60 banks and credit unions and identified several financial institutions offering high yields, some more than 11 times the national average.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCompared over 60 financial institutions\u003c/li\u003e\n\n\n\n\u003cli\u003eOver 600 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by over 25 years of banking experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-accounts\"\u003eTop 20 highest savings rates on the market for November 2024\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest savings account rates (from Curinos) (top 20)\" aria-label=\"Table\" id=\"datawrapper-chart-K2ZbS\" src=\"https://datawrapper.dwcdn.net/K2ZbS/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"666\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-banner\"\u003eSPONSORED PARTNER\u003c/div\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"sofi\" class=\"card-title\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eSoFi® Checking \u0026amp; Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003eMember FDIC\u003c/p\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003eUp to 4.20%*\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003ca class=\"card-image-link\" href=\"https://fortune.com/advertiser-disclosure/\" target=\"_blank\" rel=\"noopener\"\u003eAdvertiser Disclosure\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat SoFi\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAbout\r\n\r\n\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\r\n\u003cbr\u003e\u003ci\u003eMember FDIC\u003c/i\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\nAdditional Details\r\n\r\n\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat SoFi\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"calculator\"\u003eCalculate interest earnings on top savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eAre you curious about your earning potential with these banks? Use the calculator below to see how much interest you could earn with various deposits, contributions, and interest rates. Keep in mind that the APY on savings accounts can fluctuate without warning, so if you want to lock in a high interest rate for an extended time, you may want to consider \u003ca href=\"https://fortune.com/recommends/banking/highest-current-cd-rates/\"\u003ecertificates of deposit (CDs)\u003c/a\u003e instead.\u003c/p\u003e\n\n\n\n\u003cscript type=\"application/javascript\" src=\"https://www.moneylion.com/network/fortune/calculators/web-component/savings-calculator/index.js\"\u003e\u003c/script\u003e\n\u003cmoneylion-savings-calculator\u003e\u003c/moneylion-savings-calculator\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"editors-picks\"\u003eThe best high-yield savings accounts: Editors' picks\u003c/h2\u003e\n\n\n\n\u003cp\u003eOur picks for this month’s best high-interest savings accounts offer high yields, low fees, and other important features, such as ATM access, online and mobile banking, and more. Plus, each account is protected by the Federal Deposit Insurance Corp. (FDIC), which insures up to $250,000 per depositor, per account, giving you an extra sense of security for your savings.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cem\u003e\u003cstrong\u003e\u003cem\u003eNote: \u003c/em\u003e\u003c/strong\u003e\u003cem\u003eAPYs in our list below are updated daily but are subject to change. \u003c/em\u003e\u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/#methodology\"\u003e\u003cem\u003eRead our full methodology here\u003c/em\u003e\u003c/a\u003e\u003cem\u003e.\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"lendingclub\"\u003eLendingClub: 5.00% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eLendingClub boasts more than 4.8 million customers since its founding in 2007. While it’s best known for its personal loans, it also offers savings and checking accounts as well as certificates of deposit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"lendingclub\" class=\"card-title\"\u003eLendingClub High-Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;5.00%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e5.00%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$100\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$100\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat LendingClub\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional Details\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET.\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eBy opting for the LendingClub savings account, you can secure a 5.00% APY with minimal requirements. All you need to do is make a minimum opening deposit of $100 then continue to add at least $250 per month to the account. If you don’t meet these requirements, you still get a very respectable rate of 4.80%.\u003c/p\u003e\n\n\n\n\u003cp\u003eAnd despite being a savings account, you'll have the convenience of an ATM card to easily access your funds whenever necessary. As part of both the MoneyPass and SUM ATM networks, this means you can have free access to your funds at tens of thousands of locations.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by LendingClub\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eRewards checking\u003c/td\u003e\u003ctd\u003e1% cash back on all qualifying purchases\u003cbr\u003eUnlimited ATM fee rebates\u003cbr\u003eNo monthly maintenance or overdraft fees\u003cbr\u003eNo minimum balance or transaction requirements\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eTerms from 6 months to 5 years\u003cbr\u003eUp to 4.00% APY (on the 6-month CD)\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/lendingclub-review/\"\u003eLendingClub review\u003c/a\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"newtek\"\u003eNewtek Bank: 5.25% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eNewtek Bank is a division of the company NewtekOne. It focuses on business banking products, including helpful dashboards, business checking, and business MMAs. Newtek Bank’s personal banking products are limited to a high-yield savings account and CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"newtek\" class=\"card-title\"\u003eNewtek Bank Personal High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.25%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. \r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith Newtek Bank, you get a low-cost savings account with a stellar rate that’s over 11 times the current national average. There’s no minimum opening deposit or monthly maintenance fees. Plus, you only need to have a balance of $0.01 to earn interest, meaning you can grow your savings no matter how small you’re starting out.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can rest assured knowing there are no service charges or transaction fees related to the account, although, as with savings accounts, there’s a limit of six transactions per statement cycle.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can access your funds easily on Newtek’s digital platform. Its app is rated quite well for both Apple and Android, with 4.6 and 4.4 stars, respectively. Newtek also offers many customer service options, so if you need help, you can connect with them via video, audio, text chat, or phone call.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Newtek Bank\u003c/summary\u003e\n\u003cp\u003eNewtek Bank offers a wide range of CDs with 6–60 month term lengths and a minimum opening deposit of $2,500. It also offers several business banking products, including business checking and business MMAs.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eAvailable term lengths: 6–60 months\u003cbr\u003eTop APY: 5.25%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/newtek-bank-review/\"\u003eNewtek Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"ufb\"\u003eUFB Direct: 4.31% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eUFB Direct's branchless, online-only model allows it to keep costs down and offer some of the best rates on savings and money market accounts on the market. It offers high-yield savings, money market accounts (MMAs), and checking accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"ufb\" class=\"card-title\"\u003eUFB Portfolio Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.31%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/UFB_Direct_logo.png?w=300\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26725181\u0026#038;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat UFB Direct\u003c/p\u003e\r\n\u003c/div\u003e\r\n\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can contact a customer service representative via telephone 24 hours a day, 365 days a year, or via secure messaging in their mobile banking app.\u003c/div\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eUFB Direct’s savings account rivals competitors in rate, with a 4.31% APY. With no minimum deposit requirement and zero monthly fees, this account could be a great option for anyone looking to boost their savings. UFB Direct also stands out for its massive ATM network of over 91,000 locations, highly rated mobile app, and generous customer service hours, including 24/7 phone support.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, the UFB portfolio savings account includes a complimentary ATM card for fast cash.\u003c/p\u003e\n\n\n\n\u003cp\u003ePeople with large amounts of cash should be aware of the UFB Direct savings account’s limits:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e$250,000 maximum opening deposit\u003c/li\u003e\n\n\n\n\u003cli\u003e$30,000 maximum daily transfer\u003c/li\u003e\n\n\n\n\u003cli\u003e$60,000 maximum monthly transfer\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by UFB Direct\u003c/summary\u003e\n\u003cp\u003eIn addition to its high-yield savings account, UFB offers a checking account and an MMA. If you bundle the Freedom Checking account with the Portfolio Savings account, you could be eligible for an APY of 4.77%, an extra 0.20% boost.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe checking account has no monthly fees, and the Portfolio Money Market’s $10 fee can be waived with a balance of over $5,000.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eUFB Freedom Checking\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $0\u003cbr\u003eMonthly fees: $0\u003cbr\u003eATM fee reimbursement: Up to $10 per month\u003cbr\u003eAPY: Up to 2.00%, plus higher savings rates with a Freedom Boost of up to 0.20% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUFB Portfolio Money Market Account\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $0\u003cbr\u003eTop APY: 4.31%\u003cbr\u003eMonthly fees: $10, waived if ADB is over $5,000\u003cbr\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eIn addition to these deposit accounts, UFB Direct offers mortgage loans, portfolio loans, Jumbo loans, and home equity lines of credit (HELOC).\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/ufb-direct-bank-review/\"\u003eUFB Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"mybankingdirect\"\u003e\u003cstrong\u003eMy Banking Direct: 4.85% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eMy Banking Direct is an online-only bank and division of Flagstar, N.A., one of the largest regional banks with a significant retail presence in the Midwest and California.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"mybankingdirect\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" rel=\"nofollow noopener noreferrer\"\u003eMy Banking Direct\u003c/a\u003e\u003c/h4\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$500\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly fee\u003c/td\u003e\r\n\u003ctd\u003eNone\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_MyBankingDirect_Logo.png\"/\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call 24/7 to reach an automated system or talk to a banker Monday–Friday from 8 a.m. to 8 p.m. Eastern time, Saturday from 9 a.m. to 5 p.m. ET, and Sunday from 9 a.m. to 2 p.m. ET. They can also send a secure message through the online banking portal\u003c/div\u003e\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026#038;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eMy Banking Direct’s 4.85% APY is impressive, and with no monthly fee and only $1 needed to earn the APY, it’s a highly accessible account as long as you’ve got\u0026nbsp; $500 to open it.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMobile banking (including mobile check deposits), automatic deposits, and unlimited transactions make this account appealing for short- or long-term savings goals. My Banking Direct’s mobile app is through its parent company, Flagstar, and the Flagstar Mobile Banking app is rated well for both Apple and Android users. It uses fingerprint and face ID for extra security.\u003c/p\u003e\n\n\n\n\u003cp\u003eMy Banking Direct makes it easy to set up automatic direct deposits, helping you grow your savings quickly and effortlessly. You can also utilize mobile check deposits, so you’ve got options for how you want to add to your account.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by My Banking Direct\u003c/summary\u003e\n\u003cp\u003eMy Banking Direct offers a free checking account and a five-month CD with an online renewal option, in addition to a prepaid benefits debit card and financial calculators.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eFree checking account\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1\u003cbr\u003eMonthly fees: $0\u003cbr\u003eTop APY: None\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eTop APY: 5.50%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eread our \u003ca href=\"https://fortune.com/recommends/banking/my-banking-direct-review/\"\u003eMy Banking Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"evergreen\"\u003e\u003cstrong\u003eEvergreen Bank Group: 4.75%% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eFounded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"evergreen\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" rel=\"nofollow noopener noreferrer\"\u003eEvergreen Bank Group High-Yield Online Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.75%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eEvergreen Bank can be reached by phone or email. Its website states it will respond within one business day.\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith a 4.75% APY and a low minimum opening deposit of $100, Evergreen Bank Group's high-yield savings account is accessible and affordable. You can sign up for an account online (it claims it can be opened in about three minutes) and fund it via ACH transfer or debit card.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no monthly fees and interest compounding daily, Evergreen can help your money grow quickly and safely. It also includes a free financial management tool to help you stay on track.\u003c/p\u003e\n\n\n\n\u003cp\u003eNote that this account gives you plenty of room to grow: the 4.75% APY applies to balances up to $1 million.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Evergreen Bank Group\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eThree account types: Basic, cash back, and rewards\u003cbr\u003eNo monthly fees\u003cbr\u003eOpen with a minimum of $100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$2,500 minimum to open\u003cbr\u003e$15 monthly service fee, waived if ABD is over $2,500\u003cbr\u003eTiered interest: From 0.30%–0.50%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eUp to 4.25% APY on a 6-month term\u003cbr\u003eMinimum opening deposit of $500\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/evergreen-bank-review/\"\u003eEvergreen Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"forbright\"\u003e\u003cstrong\u003eForbright Bank: 5.00% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is a climate-conscious bank offering online deposit accounts, including savings and CDs, loans, and business banking. As a fossil-free certified institution, it strives to fund sustainable business practices and keep customers’ money out of planet-destroying ventures.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"forbright\" class=\"card-title\"\u003eForbright Bank Growth Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone Monday through Friday from 8 am to 8 pm, ET.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no minimum deposit to open and no monthly fees, keep more of your money with Forbright Bank’s impressive 5.00% APY. Opening an account online takes minutes, and you can start earning interest as soon as you make your first deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Growth Savings account also allows for unlimited digital transfers to external accounts, meaning you can access your money wherever and whenever you need it.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith a focus on sustainability, people banking with Forbright can feel secure knowing their money will be going toward projects like developing clean energy.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Forbright Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $25\u003cbr\u003eTerm lengths: 9–60 months\u003cbr\u003eTop APY: 4.25\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"bread\"\u003e\u003cstrong\u003eBread Savings\u003c/strong\u003e: 4.65% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eBread Savings is part of Bread Financial, a financial services company with a tech-forward focus. It offers a high-yield savings account and CDs, and prides itself on maintaining some of the highest interest rates so customers don’t have to shop around.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"cloudbank\" class=\"card-title\"\u003eBread Savings High Yield Savings Account\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.65%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can talk to a representative Monday through Friday from 7:00 a.m. to 9:00 p.m. CT, or message securely in online banking.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/2036bfd9-082d-4be2-8941-de47ea78150e/72d940a3-e15c-41bd-b8d3-f6fe967e9d2c?tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u0026nbsp;\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith a 4.65% APY and a $100 minimum opening deposit, Bread Savings’ high-yield account could be a great option for someone who doesn’t mind banking at multiple institutions, as Bread Savings doesn’t offer any checking account products. With no hidden fees, free ACH transfers, free incoming wire transfers, and free online statements, you can keep more of your money in savings instead of worrying about fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, Bread Savings offers a wide range of financial tools and calculators on its website, showing you what it’ll take to reach your financial goals.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Bread Savings\u003c/summary\u003e\n\u003cp\u003eOther than its high-yield savings account, Bread Savings offers CDs with competitive interest rates.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1,500\u003cbr\u003eTerm lengths: 3 months to 5 years\u003cbr\u003eAPY range: 3.85% to 4.70%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bread-savings-review/\"\u003eBread Savings review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"cloudbank\"\u003e\u003cstrong\u003eCloudbank 24/7: 4.57% APY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eCloudbank 24/7 is a digital bank that’s backed by Third Coast Bank SSB, a community bank that operates in Texas. It specializes in providing online banking products with competitive interest rates.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"cloudbank\" class=\"card-title\"\u003eCloudbank 24/7 High Yield Savings Account\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.57%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Cloudbank_24_7_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you need customer service, you can fill out a contact form on Cloudbank 24/7's website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCloudbank 24/7 offers its high-yield savings account through Raisin, a digital marketplace that allows customers to compare accounts easily before applying. With a 4.57% APY and a minimum opening deposit of $1, opening a Cloud 24/7 savings account is as simple as creating a Raisin account online and depositing money to start earning interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eInterest for the account is compounded daily and credited to your account at the end of each month, and deposits are FDIC insured through Third Coast Bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you ever need help with your account, you can reach Raisin customer service via email, phone, or secure messaging on their site. On its mobile app, you can view your account balances, transfer money between accounts, utilize mobile check deposit, and more.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Cloudbank 24/7\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$1,000 minimum opening deposit\u003cbr\u003e1.00% APY on its 15-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/cloudbank-247-review/\"\u003eCloudBank 24/7 review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"bask\"\u003eBask Bank: 4.65% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eBask Bank was founded in 1999 by members of Texas Capital Bank as the first online-only savings bank in the US. It began by providing the Bask Mileage Savings Account for earning airline miles, but has expanded to offer checking, savings, CDs, and more.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"bask\" class=\"card-title\"\u003eBask Bank Interest Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.65%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_Bask-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723480\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPhone service available from 7 am to 7 pm CT Monday through Friday, and Saturday from 9 am to 4 pm CT.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723480\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no fees nor minimum balance requirements, you can keep more of your money for yourself and grow it faster with Bask Bank’s generous 4.65% APY. Plus, you can open an account online in 15 minutes or less.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eInterest for the account is compounded daily and credited every month. The only fees you may encounter are a $20 domestic wire fee and a $35 international wire fee, and you can withdraw your money at any time with no limitations.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Bask Bank\u003c/summary\u003e\n\u003cp\u003eIn addition to its savings products, Bask Bank offers checking and CD accounts:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eInterest Checking\u003c/td\u003e\u003ctd\u003e1% APY (even higher with qualifying activities)\u003cbr\u003eAccess to over 55,000 fee-free ATM locations\u003cbr\u003eNo monthly maintenance fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1,000\u003cbr\u003eTerm lengths: 3 months to 2 years\u003cbr\u003eTop APY: 4.65\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bask-bank-review/\"\u003eBask Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"first-foundation\"\u003eFirst Foundation Bank: 4.75% APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank was founded by Rick Keller of the Keller Group, a wealth management firm that was started in 1990 and added banking products in 2007. First Foundation was officially chartered in 2008 and currently supplies a full suite of deposit offerings for personal consumers and businesses, as well as wealth management services.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-foundation-bank\" class=\"card-title\"\u003eFirst Foundation Bank Online Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$1000\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3378243\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e24/7 telephone support for general inquiries, plus virtual and email support options\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile there is a $1000 minimum deposit to open the account, as long as you’ve got that ready to store away, you’ll get a generous 4.75% APY. Interest compounds daily and is credited to the account at the end of the month.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile the opening deposit is a bit steep, only a penny is needed to earn interest on the account; so it can serve as a flexible container for your funds and still earn APY, regardless of the account balance. Customers can also request an ATM card to transfer funds between checking and savings accounts, as well as deposit or withdraw funds. Just note that there’s a limit of up to $500 per day for withdrawals.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by First Foundation Bank\u003c/summary\u003e\n\u003cp\u003eFirst Foundation Bank also offers checking, MMA, and CD accounts:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003eThree accounts: Personal Checking, Personal Interest Checking, and Senior Interest Checking\u003cbr\u003eNationwide ATM fee reimbursement\u003cbr\u003ePersonal Interest Checking has a $20 monthly maintenance fee; waivable with qualifying activities\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $1000\u003cbr\u003eAPY: 4.9%\u003cbr\u003eMonthly fee: $0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum opening deposit: $2,500\u003cbr\u003eTerm lengths: 9 and 12 months\u003cbr\u003eTop APY: 4.40\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-foundation-bank-review/\"\u003eFirst Foundation Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it.\"\u003cbr\u003e\u003cbr\u003e- \u003ca href=\"https://fortune.com/author/kristy-snyder/\"\u003eKristy Snyder\u003c/a\u003e, personal finance expert and Fortune contributor\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"more-editors-picks\"\u003eSee more savings accounts we've reviewed\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAccount type\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAPY*\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eMinimum opening deposit\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eWelcome bonus\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eLearn more\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eSponsored partner\u003c/mark\u003e\u003cbr\u003eSoFi® Checking \u0026amp; Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to 4.20%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to $300*\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\" data-type=\"link\" data-id=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3378243\u0026amp;subid2=table\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat SoFi®\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured partner\u003c/mark\u003e\u003cbr\u003eLendingClub High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat LendingClub\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNewtek Bank Personal High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.25%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" data-type=\"link\" data-id=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUFB Direct Portfolio Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.31%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26725181\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat UFB Direct\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eMyBankingDirect High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.85%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$500\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=my-banking-direct-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eEvergreen Bank Group\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eForbright Bank\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723554\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eBread Savings High-Yield Savings\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.65%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723479\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eCloudBank 24/7\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.57%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=cloudbank-savings\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eBask Bank \u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.65%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=bask-savings2\u0026amp;tag.sub_id=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eFirst Foundation Bank\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1000\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNone\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723493\u0026amp;tid=3378243\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003cbr\u003e\u003c/a\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003eBest high-yield savings accounts: Editors' picks\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003cp style=\"font-size:12px\"\u003e\u003cem\u003e\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCurrent news on savings account interest rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile we have seen CD rates drop after the Fed cut rates on Sept. 18, some high-yield savings rates have held steady. In the short term, these rates should hold steady or slightly drop. However, future rate cuts may force banks to drop savings rates. It might be a good time to consider a \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ecertificate of deposit\u003c/a\u003e. You can lock in a rate with a CD and ensure a solid rate of return, as opposed to your savings account, which might see a steady rate decline.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eMajor national banks with high-yield savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eMajor national banks generally offer minuscule APYs compared to some of the top institutions on our list. For example, Bank of America, Chase Bank, and Wells Fargo offer a measly APY of 0.01% on their savings accounts, whereas most of the options listed above are over 5%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eLarge banks don’t rely on the money consumers deposit into their savings accounts the way smaller banks do. Huge financial institutions make their money from interest paid on loans, fees, and securities. Smaller banks and online fintechs are continuously looking for ways to draw in new customers, and offering competitive APYs on their deposit accounts is a great incentive. Additionally, online banks generally have fewer upfront costs, so they can offer better rates to their customers.\u003c/p\u003e\n\n\n\n\u003cp\u003eThat being said, a few major banks still offer decent rates on savings accounts. Here are several national banks and their savings account APYs as compared to the best on our list:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eMajor Institution\u003c/th\u003e\u003cth\u003eCurrent APY\u003c/th\u003e\u003cth\u003eOur top contenders\u003c/th\u003e\u003cth\u003eCurrent APY\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMy Banking Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eBrioDirect\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSoFi\u003c/td\u003e\u003ctd\u003eUp to 4.20%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eTAB Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.52%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eNewtek Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e5.25%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eUFB Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.31%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e4.20%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eEvergreen Bank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePNC Bank\u003c/td\u003e\u003ctd\u003e4.65%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eEverbank\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003ePopular Direct\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e4.6%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003e\u003cstrong\u003eWhat is a high-yield savings account (HYSA)?\u0026nbsp;\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/banking/what-is-high-yield-savings-account/\"\u003ehigh-yield savings account\u003c/a\u003e works just like a \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003etraditional savings account\u003c/a\u003e. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money. The main difference is that the high-yield savings account offers a much higher APY on the money you keep in your account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eAPY\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe most recent rates from the FDIC put the national savings APY average at 0.46%, while there are many high-yield savings accounts that offer a 4.00% APY or higher.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eMonthly maintenance fee\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eSome financial institutions charge a monthly fee to cover the administrative costs of providing a savings account. These fees can often be waived by meeting certain requirements, such as maintaining a minimum balance or linking a checking account. However, fees can easily wipe away your interest earnings, so choosing an account that charges minimal or no fees is important, if possible.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eMinimum deposit\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eYou may be required to deposit a minimum amount of money to open a high-yield savings account. Depending on the account, the amount can range from $0 to $1,000 or more. It’s also common for high-yield savings account rates to be tiered, meaning higher rates are available for higher balances. Always check the balance requirements of an account to find out if you need to meet a certain threshold to earn the advertised rate.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"One trick I use is to have multiple high-yield savings accounts. Then, as rates fluctuate between them, I move my money around to the account with the best APY. This has helped me earn hundreds in interest over the years.\" - Kristy Snyder, Fortune contributor\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-does-it-work\"\u003eHow does a high-yield savings account work?\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you deposit money in a high-yield savings account, your savings will grow thanks to the magic of \u003ca href=\"https://fortune.com/recommends/banking/what-is-compound-interest/\"\u003ecompound interest\u003c/a\u003e. This means you’ll earn interest on the principal balance in your account and any interest you earned previously. For example, if you deposited $100 in your account and earned $10 in interest over the past few months, you will earn interest on the entire $110.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCan savings account interest rates change?\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe APY on your account can and likely will fluctuate any time the Fed raises or decreases the federal funds rate. That’s the interest rate banks charge one another to borrow money, and your bank may be inclined to raise or lower rates on its financial products based on these changes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow much will $10,000 make in a high-yield savings account?\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe interest you’d earn on a $10,000 deposit depends on the annual percentage yield and frequency of compounding.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor example, if you deposited $10,000 into a high-yield savings account that earns 5% APY\u003cstrong\u003e—\u003c/strong\u003eand didn’t make any other contributions\u003cstrong\u003e—\u003c/strong\u003eyou’d have a total balance of $10,500 at the end of one year, assuming the interest compounds annually. If it compounds daily, you’d have a bit more: $10,512.67.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe rate at which your interest compounds (daily, weekly, monthly, or annually) will depend on the financial institution.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of high-yield savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you’re considering putting your money in a high-yield savings account, there are a few key benefits and drawbacks to be aware of.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDeposits are insured by the FDIC\u003c/li\u003e\n\u003cli\u003eCompetitive interest rates\u003c/li\u003e\n\u003cli\u003eCan’t lose money\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eInterest rate can decrease\u003c/li\u003e\n\u003cli\u003eReturns don’t compare to securities\u003c/li\u003e\n\u003cli\u003eMonthly withdrawals may be capped\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eAdvantages of high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003eOne of the main advantages of high-yield savings accounts is that they typically offer interest rates well above the national average. Currently, the national average APY for a traditional savings account sits at 0.45%, whereas some of the high-yield accounts on our list boast rates as high as 5.00%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eA high-yield savings account also provides greater security than some other investment options. Most high-yield accounts are FDIC- or National Credit Union Administration (NCUA)-insured, meaning that your deposits are protected up to $250,000 per depositor, per institution in the event of a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDisadvantages of high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003eMeanwhile, you usually won’t earn as much in a savings account as you would by investing your money in the market, even with a high-yield account. Even so, high-yield savings accounts are sensitive to changes in the economy, which means that your APY can increase or decrease at the discretion of your bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThere may also be a cap on your monthly withdrawals. Your financial institution may limit the number of withdrawals you can make each month. You may be charged a fee for each additional transaction if you exceed the limit.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-uses\"\u003eBest uses for a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts can be an effective savings vehicle for savers with many different types of goals. A few \u003ca href=\"https://fortune.com/recommends/banking/what-is-high-yield-savings-account/\"\u003ecommon uses for high-yield saving accounts\u003c/a\u003e include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eEmergency savings: \u003c/strong\u003eYou’ll never exactly know when you’ll need to dip into your \u003ca href=\"https://fortune.com/recommends/banking/how-to-start-emergency-fund/\"\u003eemergency savings\u003c/a\u003e. A high-yield savings account is a liquid account that makes it easy to access your funds in a pinch.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSavings for major purchases: \u003c/strong\u003eSay you want to purchase a new home appliance or save for a down payment on a new vehicle you plan to purchase within the next few months. A high-yield savings account can help you earn interest on your savings until it’s time to make your purchase.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eShort-term financial goals: \u003c/strong\u003eA high-yield savings account is a great place to stash your cash for a specific goal, such as a family vacation or home renovation.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best high-yield savings account for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing the right high-yield savings account will require you to think carefully about your financial habits, preferences, and goals so that you can select the account that best suits your needs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eShop around for a lucrative APY\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe APY is the interest you can expect to earn on the money you keep in your account for one year. While this percentage may fluctuate depending on your bank and the economy's health, you’ll want to give your savings the greatest chance of growing and earning as much compound interest as possible.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe FDIC regularly publishes \u003ca href=\"https://www.fdic.gov/resources/bankers/national-rates/index.html\"\u003eaverage national rates\u003c/a\u003e for various accounts, including high-yield savings accounts, so this is a trustworthy resource to use when shopping around for rates. Ideally, a lucrative high-yield savings account will offer a savings rate of at least 10 times that rate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eConsider the requirements for opening an account\u003c/h3\u003e\n\n\n\n\u003cp\u003eMany, but not all, high-yield savings accounts require a minimum deposit to open your account. This figure can vary widely across financial institutions, with some requiring no minimum deposit and others requiring a minimum deposit well into the thousands. If you’re a new saver, you may not be able to opt for an account requiring a higher minimum deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eRead the fine print on fees\u003c/h3\u003e\n\n\n\n\u003cp\u003eCertain accounts may charge \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003efees\u003c/a\u003e for maintaining your account, transferring funds, and more. An excessive fee structure can eat into your balance if you’re not keeping close tabs on your account. Weigh the different fees you could become responsible for and determine if the perks that come with the account outweigh potential penalties down the line.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eConsider access limits on your funds\u003c/h3\u003e\n\n\n\n\u003cp\u003eNot all high-yield savings accounts will come with physical branch access or a large ATM network. If you’re looking for an account that will provide you with face-to-face support and easy access to your funds, double-check that the financial institution you’re considering banking with has locations and ATMs in your area.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eReview online and mobile platforms for usability\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you prefer to do your banking on your desktop or phone, explore the financial institution’s online and mobile platforms before opening an account. Read Apple App Store and Google Play reviews to learn more about the digital platforms and tools available to you and what kinds of features and services are available on those platforms.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWeigh available customer service options\u003c/h3\u003e\n\n\n\n\u003cp\u003eLastly, it’s important to know how to contact a representative if you have questions or issues related to your account. Some financial institutions take a digital-first approach and don’t offer easy access to a real human. Others prefer a phone call over chat or email options. Make sure an account’s customer service options align with how you like to communicate.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-open\"\u003eHow to open a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eReady to open an account? Here’s what to do:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eResearch different banks and credit unions\u003c/strong\u003e: Compare accounts from different financial institutions to see which offer the best interest rates and benefits and have the lowest fees. Be sure to check both traditional brick-and-mortar institutions and online banks.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCheck the requirements\u003c/strong\u003e: Some banks might require a minimum deposit to open an account or require a certain balance to avoid fees. Be sure you understand the terms and are comfortable with them.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eVisit the bank or apply online\u003c/strong\u003e: Many banks and credit unions allow you to open an account online or through their mobile app. If you prefer, you can usually go to a physical branch to open your account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFill out the application\u003c/strong\u003e: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit funds\u003c/strong\u003e: Once your application has been approved, you’ll need to deposit funds into the account. The amount will depend on the bank’s requirements.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003e\u003cstrong\u003eAlternatives to high-yield savings accounts\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts differ from other types of deposit accounts in a few key ways:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAccess to your savings: \u003c/strong\u003eHigh-yield savings accounts are more liquid than other types of accounts, such as CDs. Withdrawing money from a CD before maturity could result in an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e. With a high-yield savings account, you may still be limited in how many withdrawals you can make within a particular time, but you still have some access to your money. Similar to traditional savings and MMAs, you may also have debit cards and/or check privileges.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eHigh-yield savings accounts offer variable APYs: \u003c/strong\u003eThe APY on your high-yield savings account fluctuates, similar to a traditional savings account or \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMA\u003c/a\u003e. For savers who prefer a fixed rate, a CD may be a better option, but it would mean giving up access to your funds for the duration of your CD term until your account reaches maturity.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. traditional savings accounts\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe primary difference between a high-yield savings account and a traditional \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003esavings account\u003c/a\u003e lies in their interest rates. High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, which means that the money saved in a high-yield account grows faster. In some cases, high-yield accounts might come with more restrictions, such as limitations on the number of withdrawals and higher minimum balance requirements.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. CDs\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts are similar to traditional savings accounts, with the key difference being that high-yield accounts typically offer a more generous APY. They \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003ediffer from CDs\u003c/a\u003e in that high-yield savings accounts preserve access to your funds, while CDs require that you commit to locking up your funds for a fixed term if you hope to avoid a penalty.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eHigh-yield savings accounts vs. money market accounts\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eHigh-yield savings accounts are similar to \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMAs\u003c/a\u003e in that you’ll earn interest on your balance and can easily access your funds. One key difference between the two account types is that you may need to deposit and maintain a certain balance to open an MMA and, in some cases, the higher the balance, the higher your rate may be.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u0026nbsp;\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends™ team collaborated with industry leader Curinos to bring you savings accounts with the highest rates from around the country. The rates in this article only cover online and brick-and-mortar banks and do not include credit unions.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor the \u003ca href=\"#editors-picks\"\u003eeditors' picks\u003c/a\u003e, we compared more than 60 online savings accounts and specifically looked for accounts available to customers in the United States regardless of where they’re located, subject to the terms of each account. \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003eOur methodology\u003c/a\u003e ranked each account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"High-yield savings accounts: Editors\u0026#039; methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-wI78A\" src=\"https://datawrapper.dwcdn.net/wI78A/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (50%): \u003c/strong\u003eThis number represents the real rate of return on your balance; the higher the APY, the better.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eSome banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum amount to earn APY (10%): \u003c/strong\u003eTo earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (10%):\u003c/strong\u003e Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (10%): \u003c/strong\u003eMany banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple store.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMoney management tools (5%): \u003c/strong\u003eSome banks offer digital tools that make it easier for customers to track their spending and savings.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eTop picks offer customers various ways to get in contact: chat support, by phone, or even email—our team rated phone support the highest.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003e\u003cstrong\u003eFrequently asked questions\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre high-yield savings accounts safe?\u003c/summary\u003e\n\u003cp\u003eYes, if the account is at a bank or credit union insured by the FDIC or the NCUA, respectively. The \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC insures banks\u003c/a\u003e up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA, which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre high-yield savings accounts taxable?\u003c/summary\u003e\n\u003cp\u003eIf you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow are savings rates set?\u003c/summary\u003e\n\u003cp\u003eIndividual banks set savings rates loosely based on the \u003ca href=\"https://fortune.com/recommends/article/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e—the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the \u003ca href=\"https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/\"\u003eFed hikes rates\u003c/a\u003e, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the difference between APY vs. interest rate?\u003c/summary\u003e\n\u003cp\u003eThe interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat happens if you put 50,000 in a high-yield savings account?\u003c/summary\u003e\n\u003cp\u003eIf you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs it better to put money in a CD or savings?\u003c/summary\u003e\n\u003cp\u003eThat depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow often can I withdraw money from a high-yield savings account?\u003c/summary\u003e\n\u003cp\u003eAccording to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings accounts.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCheck out the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e to help you find the term deposits you need most.\u003c/li\u003e\n\n\n\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/best-online-banks/\"\u003ebest online banks\u003c/a\u003e shows you which online bank is best for your needs.\u003c/li\u003e\n\n\n\n\u003cli\u003eChoosing one of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e can help you maximize your returns.\u003c/li\u003e\n\n\n\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\n\n\n\n\u003cli\u003eYou’ll never pay annual fees for checking when you choose one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3378243,"dateGmt":"2024-04-26T12:53:55","dek":"","description":"Today's best high-yield savings account offer rates of 5% APY and above. See which banks are offering the highest rates today.","faq":[{"answer":"Yes, if it’s offered by a bank or credit union insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Association (NCUA) respectively. . The FDIC insures banks up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category.","question":"Are high-yield savings accounts safe?","__typename":"FaqField"},{"answer":"Savings rates are set by individual banks and are loosely based on the federal funds rate, which is the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the Fed hikes rates, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers.","question":"How are savings rates set?","__typename":"FaqField"},{"answer":"Savings rates can change at any time. It’s important to remember that the rate information provided on the day you open the account is not a fixed rate. Banks and credit unions can, and likely will, adjust rates based on changes in the economy and interest rate increases or decreases by the Fed.","question":"How often do high savings rates change?","__typename":"FaqField"},{"answer":"According to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. However, this rule was loosened in 2020 during the coronavirus outbreak, and customers can now make an unlimited number of transfers and withdrawals from their savings account.","question":"How often can I withdraw money from a high-yield savings account?","__typename":"FaqField"},{"answer":"A high-yield savings account is a viable option for savers who are looking to save money for a large purchase, a short-term or mid-range financial goal, or who want to maximize their savings and keep their money safe in a federally-insured account.","question":"In which situation would a high-yield-savings account be the best banking choice?","__typename":"FaqField"},{"answer":"If you choose to use a high-yield savings account, you should be aware of the tax implications that come with it. The IRS considers interest earned on the money in your account taxable interest. Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.","question":"Are high-yield savings accounts taxable?","__typename":"FaqField"},{"answer":"If you put $50,000 into a high-yield savings account with an APY of 5%, you could earn $2,500 in just a year. Compare this with a regular savings account: If the APY is 0.046%, you'll earn just $230 in the same time frame. Note that APYs can change at any time.","question":"What happens if you put 50,000 in a high-yield savings account?","__typename":"FaqField"},{"answer":"What’s considered a “good” rate is somewhat subjective. The national average savings account rate is 0.47%, so any rate above that would be considered above-average. However, some banks offer savings accounts that offer an APY that exceeds 4%. So, if you’re looking for a high-yield savings account, it pays to shop around to find the highest rates available.","question":"What is a good high-yield savings account rate?","__typename":"FaqField"},{"answer":"The interest rate is the percentage of your account balance that the bank pays you in interest over the course of a year, not factoring in the effects of compounding. APY, on the other hand, considers the interest compounding frequency. Therefore, APY gives you a more accurate picture of your actual earnings over a year.","question":"What’s the difference between APY vs. interest rate?","__typename":"FaqField"},{"answer":"It's very unlikely that you'll lose money in a high-yield savings account. Make sure the financial institution you choose is insured through the FDIC (or the NCUA for a credit union)—this way, in the rare case of a bank failure, your money is insured, up to $250,000 per person.","question":"Can you ever lose your money with high-yield savings account?","__typename":"FaqField"},{"answer":"That depends on when you'll need your money. CDs often yield higher interest rates than savings accounts, but you have to lock your money up for the designated term length to earn that rate. Savings accounts are a better option if you know you'll need access to your money, such as for an emergency fund or another short-term savings goal.","question":"Is it better to put money in a CD or savings?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#top-accounts\"\u003eThis month's top high-yield savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#calculator\"\u003eSavings calculator\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#editors-picks\"\u003eEditors' picks\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#lendingclub\"\u003eLendingClub\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#newtek\"\u003eNewtek Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ufb\"\u003eUFB Direct\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#mybankingdirect\"\u003eMyBankingDirect\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#evergreen\"\u003eEvergreen Bank Group\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#forbright\"\u003eForbright Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bread\"\u003eBread Savings\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#more-editors-picks\"\u003eSee more\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a high-yield savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-does-it-work\"\u003eHow does a high-yield savings account work?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons of a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-uses\"\u003eBest uses for a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best high-yield savings account for you\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-open\"\u003eHow to open a high-yield savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eHYSA alternatives\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozMzc4MjQz","image":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?resize=1200,600","imageCaption":"The rate at which your interest compounds will depend on the financial institution you bank with. ","imageCredit":"Illustration by Tim Boelaars","keywords":"best high-yield savings accounts","link":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","metaTitle":"Best high-yield savings account rates: Updated daily","modifiedGmt":"2024-11-22T19:28:08","pageType":"evergreen","platformCD":"recommends","postId":3378243,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Illustration showing an increasing bar chart","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"savings accounts","primaryTagId":447854072,"link":"https://fortune.com/tag/savings-accounts/","uri":"/tag/savings-accounts/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Banking","Savings Accounts"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"Savings Accounts","sectionId":447863945,"slug":"savings","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"Grow your savings faster with a better savings account.","socialTitle":"These high-yield savings accounts give returns over 5%","stickyCta":null,"tagNames":["APY","Best-of","Editor's Picks","no copyright","Personal Finance","Rankings and Roundups","savings accounts"],"tags":[{"name":"APY","tagId":447854075,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Personal Finance","tagId":10625,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"savings accounts","tagId":447854072,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg","title":"Best high-yield savings account rates: Updated daily","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/","videoId":null,"widgetCss":null},"dataLayer":{"pageTypeCG":"article","platformCD":"recommends","articleNameCD":"Best high-yield savings account rates: Updated daily","authorNameCD":["Abigail Rueger"],"categoryCG":"banking","cmsCategoryCD":"evergreen","CMSSubCategoryCD":["APY","Best-of","Editor's Picks","no copyright","Personal Finance","Rankings and Roundups","savings accounts"],"contentCMSID":3378243,"HasVideoCD":false,"premiumCategoryCD":"F-Search","publishDateCD":"April 26, 2024","subCategoryCG":["Banking","Savings Accounts"],"articleCategoryCD":"banking"},"headData":{"authors":"","canonicalUrl":null,"databaseId":"3378243","dateGmt":"2024-04-26T12:53:55","description":"Today's best high-yield savings account offer rates of 5% APY and above. See which banks are offering the highest rates today.","faqSchema":"{\"@context\":\"https://schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, if it’s offered by a bank or credit union insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Association (NCUA) respectively. . The FDIC insures banks up to $250,000 per depositor, per bank, for each account ownership category. Credit unions are insured by the NCUA which offers coverage up to $250,000 per share owner, per insured credit union, for each account ownership category.\"},\"name\":\"Are high-yield savings accounts safe?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Savings rates are set by individual banks and are loosely based on the federal funds rate, which is the interest rate that banks charge other banks when they lend one another money, usually overnight or for a few days. When the Fed hikes rates, this can raise the cost of borrowing and motivate banks to raise their APYs to attract new customers.\"},\"name\":\"How are savings rates set?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Savings rates can change at any time. It’s important to remember that the rate information provided on the day you open the account is not a fixed rate. Banks and credit unions can, and likely will, adjust rates based on changes in the economy and interest rate increases or decreases by the Fed.\"},\"name\":\"How often do high savings rates change?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"According to federal law, high-yield savings accounts allow you to make withdrawals or transfer funds out of your account up to six times per month without paying any fees. 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