Best High Yield Savings Accounts of 2024: Maximize Your Savings

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The APY of a savings account will tell you how much money you'll earn in a year, factoring in compound interest. </p>"},{"question":"What is the top high-yield savings account?","answer":"<p class=\"faq-answer\">Digital Federal Credit Union currently is the top high-yield saivngs account for earning interest. It pays 6.17% APY on balances up to $1,000. Credit Union membership is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. </p>"},{"question":"How high will savings interest rates go in 2024?","answer":"<p class=\"faq-answer\">Savings account rates peaked in early 2024. 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If you have more than the FDIC or NCUA would insure, consider opening a second account at another institution or investing some money if it makes sense for you.</p>"},{"question":"How much will $10,000 make in a high-yield savings account?","answer":"<p class=\"faq-answer\">Many high-yield savings accounts offer an APY of 5% or higher. With a 5% APY, you would have $10,500 in your account at the end of one year.</p>"},{"question":"What are the benefits of a high-yield savings account?","answer":"<p class=\"faq-answer\">The benefits of a high-yield savings accounts are that you can earn a high interest rate on your money while still being able to access it if you need to. Your money is also safe in a high-yield savings account, as it is FDIC-insured up to $250,000 for a single-owner bank account and $500,000 for a joint-owner account.</p>"},{"question":"Are there any fees associated with high-yield savings accounts?","answer":"<p class=\"faq-answer\">Some fees associated with high-yield savings accounts include monthly maintenance fees, excess transaction fees, paper statement fees, and inactivity fees.</p>"},{"question":"How do I choose the best high-yield savings account?","answer":"<p class=\"faq-answer\">You can choose the best high-yield savings account for you by analyzing fees, customer service availability, online and mobile banking features, and other features that impact your overall banking experience. It may also help you to think about whether you are interested in potentially getting other bank accounts or services in the future.</p>"},{"question":"Can I access my money easily with a high-yield savings account?","answer":"<p class=\"faq-answer\">Accessing money in a high-yield savings account depends largely on where you bank. Some banks let you easily access money because they have physical locations or offer multiple ways to make deposits or withdrawals. Others might not offer many ways to access your money, so you'll have to rely a lot on transferring money to external bank accounts, which can be tedious.</p>"},{"question":"How much will $1,000 make in a high-yield savings account?","answer":"<p class=\"faq-answer\">The best high-yield savings accounts pay at least 4.60% APY. In one year, 4.60% APY on $1,000 would add around $46 to your account.</p>"},{"question":"Which bank has the best high-yield savings account?","answer":"<p class=\"faq-answer\">Which bank offers the best high-yield savings account for you will largely depend on what you need from a bank. Currently, Digital Federal Credit Union offers the highest APY for a high-yield savings account, but it only offers that rate for the first $1,000 in the account. If you want to put more in your high-yield savings account, you might want to consider banks like BrioDirect.</p>"},{"question":"Does the interest rate on my savings account change?","answer":"<p class=\"faq-answer\">Yes, the interest rate on your savings account will most likely change. Interest rates on savings accounts are variable, meaning they can and will change regularly and without advance notice. 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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best High Yield Savings Accounts of 2024: Maximize Your Savings","alternativeHeadline":"Best High-Yield Savings Accounts for December 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/5de159ccfd9db25f300616b6?width=1200&format=jpeg","width":1200,"height":900,"caption":"The best high yield savings accounts make it easy to waive monthly fees and pay competitive interest rates"},"name":"Best High-Yield Savings Accounts for December 2024","datePublished":"2024-11-25T20:56:31Z","dateModified":"2024-11-25T21:03:44Z","description":"Explore the best high-yield savings accounts for December 2024 to maximize your savings with higher interest rates than regular savings accounts.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.The Federal Reserve recently cut interest rates again, which could lead to savings account rates dropping further than they already have. Still, high-yield savings accounts continue to be a great option for savings you want to store in a low-risk, easy-to-access account.The top high-yield savings accounts earn more interest than typical savings accounts at brick-and-mortar banks, even in a declining interest rate environment. We report on the highest-yielding savings account rates currently available. We've listed the highest interest rates for savings accounts, as well as two high-yield accounts from popular national brands (Barclays and EverBank). All of the banks and credit unions listed offer at least 4.75% APY (Annual Percentage Yield), significantly higher than the national average.Featured Nationally Available Deposit RatesOpen a new bank account or cash management account and earn best-in-class rates.The best high-interest savings accounts will have a strong interest rate, good perks, and national accessibility. The top options also offer no monthly maintenance fees and low minimum opening deposits.Many of the best banks and credit unions for high-yield savings accounts are online. Our top picks for savings accounts are federally insured by the FDIC or NCUA. Federal insurance protects up to $250,000 per depositor in the event of a bank failure.Here are the best high-yield savings accounts as picked by Business Insider editors in 2024.The DCU Primary Savings Account is one of two savings accounts that pays 6% interest. The other account is Boeing Employees Credit Union Member Advantage Savings, which pays 6.17% APY on the first $500 when you meet certain requirements. You can earn 6.17% APY on balances up to $1,000 with DCU Primary Savings Account. If you have an account balance above $1,000, the interest rate drops to 0.15% APY. This account doesn't charge monthly service fees.To open the Digital Federal Credit Union Primary Savings Account, you'll have to meet certain membership eligibility requirements. You must live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. Digital Federal Credit Union currently has an A+ rating from the BBB. The credit union hasn't been involved in any recent public controversies. Pibank Savings offers the highest-yield savings account rate nationally. This account pays 5.50% APY, has a $0 minimum opening deposit, and no monthly service fees. If you haven't heard of Pibank before, it's an online brand of Intercredit Bank, a financial institution in Miami. While this account offer a competitive interest rate and has relatively flexible opening requirements, there a couple of downsides to take note of. Pibank Savings doesn't support payments through Bill Pay or Zelle. You also may be charged fees by your external financial institution for outgoing and incoming wire transfers.The BBB gave Intercredit Bank an C+ rating because it hasn't responded to one complaint against the business. Pibank hasn't received an individual rating from the BBB yet.The Newtek Bank Personal High Yield Savings Account is one of the highest interest savings accounts you can find nationally. It also has a $0 minimum opening deposit. Newtek Bank also has one of the best 6-month CD rates.Newtek Bank received an A+ rating from the BBB.Newtek Bank doesn't have a personal checking account, and you can't get a debit card or ATM card with a high-yield savings account. If you need to withdraw money, you'll have to transfer it to an external bank account.Newtek Bank Savings ReviewThe Openbank High Yield Savings has a high savings account interest rate of 5.00% (vary depending on location) APY. It doesn't charge any monthly service fees, either.The Openbank High Yield Savings comes with some downsides that might not make it a good choice for you. You'll only be able to bank using Openbank's mobile banking app, and you'll need a phone that has either fingerprint or face recognition technology. If you don't have a phone with those features or don't want to use those features, you'll want to go with a different bank. You might also struggle to get money in and out of the account; you won't have access to ATMs or mobile check deposit with this account, and Openbank doesn't have a checking account you can transfer your money into easily.Openbank does not have a rating from the BBB. Its parent bank, Santander Bank, has an A+ rating from the BBB. Neither Openbank nor Santander Bank have recent controversies.Openbank Savings Account ReviewThe Ivy Bank High-Yield Savings Account might be a good choice if you have at least $2,500 to open an account. You'll also need to maintain an account balance between $2,500 and $1 million to earn the highest APY. You'll earn 0.05% APY on account balances under $2,500. Ivy Bank is an online-only division of Cambridge Savings Bank. Anyone in the United States is eligible to open an Ivy Bank account except for California residents. Ivy Bank hasn't been rated yet by the Better Business Bureau. However, Cambridge Savings Bank has received an A- rating because it has failed to respond to a few customer complaints. Neither bank has been involved in recent controversies.Bank5 Connect has a high-yield savings account that pays a high interest rate and has no monthly service fee. It also offers early direct deposit so you can receive your paycheck up to two days early. Its most unique feature is that, along with FDIC insurance, it offers Depositors Insurance Fund (DIF) protection. FDIC insurance protects up to $250,000 in an individual account, and DIF insurance protects any deposits above that amount. This account is only a good option if you have at least $25,000. You need $25,000 to open the account, and you must maintain this balance to earn interest. Bank5 Connect also compounds interest monthly, not daily. Depending on how much you save, this may or may not make a significant difference in how much you earn.Bank5 Connect is the online subsidiary of Bank Five, which has an A+ rating from the BBB.Bank5 Connect ReviewThe BrioDirect High-Yield Savings Account offers a competitive rate of 4.85% APY and doesn't charge monthly maintenance fees.You might consider another bank if you'd like to open a high-yield savings account with a low minimum opening deposit. The BrioDirect High-Yield Savings Account requires $5,000 to open an account. The BBB also gave BrioDirect's parent company, Webster Bank, a B- rating because it received numerous customer complaints and hasn't resolved one of the complaints.Webster Bank has also been involved in a recent controversy. In January 2024, Webster paid $1.4 million in a settlement over a class action lawsuit. The lawsuit was over a ransomware attack on Webster Bank that resulted in some customers of the bank having their personal information stolen.BrioDirect Review The Jenius Savings Account is a good choice if you're interested in an individual or joint savings account. Jenius Bank doesn't require a minimum opening deposit, has no monthly service fee, and compounds interest daily — all of these, along with its high interest rate, make Jenius a good pick.Jenius Bank isn't available for everyone, however. Residents of Hawaii and New Mexico won't be able to use Jenius.Jenius Bank doesn't have a BBB page itself. However, Jenius Bank is a division of SMBC MANUBANK, which currently has an A+ rating from the BBB.Neither Jenius Bank nor SMBC MANUBANK have any recent controversies.Jenius Bank ReviewThe Barclays Tiered Savings account pays a great interest rate if you can meet the requirements, and there's a $0 minimum deposit and no monthly maintenance fee. You can also get a bonus of $200 if you open a new account and meet the requirements, which include depositing and keeping a balance of $25,000 in the account for a certain amount of time.To earn the highest interest rate, you'll need to have at least $250,000 in your account. You'll still earn a good interest rate if you can't meet that requirement, but the lower rate isn't as good as what our other top picks offer. Additionally, FDIC insurance doesn't cover amounts over $250,000 for single depositors, so you'll have to be OK with some of your money being uninsured — or try to keep the money in your account at exactly $250,000 — if you want to earn the highest rate.The bank has been involved in one recent public controversy. In 2022, the Securities and Exchange Commission required Barclays to pay $361 million in a settlement that accused the bank of having unregistered sales of securities.The Better Business Bureau gives Barclays an A+ rating.Barclays Savings ReviewEverBank Performance℠ Savings is relatively easy to open and maintain, so it's a good choice if you're searching for a straightforward high-yield savings account. It has a $0 minimum opening deposit and no monthly service fee.EverBank offers a competitive interest rate of 4.75% APY to new customers. If you already have a savings account with EverBank, you may not be able to qualify for this rate, though.EverBank might not sound familiar, but you might know the bank's former name. It was previously known as TIAA Bank and changed its name after it sold most of its shares to private investors.EverBank has an A+ rating from the Better Business Bureau. It hasn't been involved in any recent public controversies. EverBank ReviewThe LendingClub LevelUp Savings Account could be a good option for people planning on using it as their primary savings account.The LendingClub LevelUp Savings Account comes with a minimum opening deposit of $0 and no monthly service fee, making it a good choice for people looking for a free savings account. It also comes with a free ATM card, which is useful for people who don't mind using an online bank but who want to be able to withdraw cash.You'll need to meet some requirements to get the highest interest rate, though. In order to get the full 4.75% APY, you'll need to deposit at least $250 each month. If you don't, you'll earn 3.75% APY — still a good rate, but not as high as some of the other accounts on this list. LendingClub has an A+ rating from the BBB. It doesn't have any recent controversies.LendingClub Bank ReviewHigh-yield savings accounts are a type of bank account. You can distinguish them from traditional savings accounts because they pay a higher yield. That's because they're generally offered by online banks and credit unions, so these financial institutions don't generally have to pay for all of the expenses that brick-and-mortar banks and credit unions do.Besides its ability to earn more interest, a high-yield savings account is structurally similar to a traditional savings account. It still has FDIC or NCUA insurance, and you need to pay attention to minimum opening requirements, minimum balance requirements for earning interest, and common bank fees.Higher Interest Rates Than Traditional Savings AccountsA traditional savings account from a brick-and-mortar financial institution typically pays a low interest rate. For example, big banks like Chase and Bank of America pay less than 0.05% APY on their standard savings account.You'll earn significantly more with a high-yield savings account. The highest savings rates land between 4% to 5% APY.Safe and SecureLike other bank accounts, almost all high-yield savings accounts are either FDIC-insured or NCUA-insured, depending on whether you're banking with a bank or a credit union, respectively. This means your money will be ensured up to $250,000 for an individual bank account or up to $500,000 for a joint bank account.Ideal for Growing Your MoneyHigh-yield savings accounts can be great for when you want to earn some money on your savings without risk and while still having easy access to it. This makes it ideal for emergency funds; you don't want to risk your emergency funds on investing, and you want to be able to access your emergency funds if something major happens. With high-yield savings accounts, you'll still be able to make money off your money without sacrificing safety and access.A savings account rate is variable, which means it can fluctuate after it is opened. Your bank will usually email you to tell you the rate will go up or down soon.Savings accounts may also have transfer limits, according to federal rule Regulation D. Generally, if a savings account has a transfer limit, this means that you'll only be permitted to make six transfers from the account each month. If you exceed the transfer limit, you will have to pay a fee for each additional transfer.The Board of Governors of the Federal Reserve has recently amended Regulation D, so banks may choose to suspend the monthly transfer limit so customers can make unlimited monthly transactions, or they could enforce a six-per-month limit.There are six types of savings accounts: traditional savings accounts, high-yield savings accounts, money market accounts, certificates of deposit, cash management accounts, and specialty savings accounts. The best savings account for you depends on your banking preferences, goals, and when you'll need to access your money.A high-yield savings account, for example, is a strong choice if you're comfortable with banking digitally and want to obtain a high interest rate.Depending on where you bank, some savings accounts may charge monthly bank maintenance fees. A monthly service fee is an amount you'll have to pay each month to maintain an account. Some accounts will allow you to waive a monthly service fee if you meet certain requirements while others cannot be waived. Bear in mind that some savings accounts do not charge certain fees at all.Some banks will require you to keep some money in your savings account to get the highest savings account interest rate. Savings account promotions are also more common in a competitive interest rate environment. You might see some companies pay a bonus rate for a new account for the first couple of months. These specials are to attract new customers. To make sure you're getting a top rate, find out what the interest rate will be once the promotion is over so you know there isn't a significant decline in APY.You should also factor in the overall customer experience at the bank.High-yield savings accounts are more commonly found at online banks. You might find some brick-and-mortar financial institutions with these accounts, or a few institutions that offer a hybrid experience, but for the most part, be prepared for a primarily digital banking experience.Some banks offer 24/7 customer support by phone or through live chat, so you may look into these options if traditional banking hours don't work well with your schedule.You can also check a bank holiday schedule to see if it has a flexible branch calendar. Some banks are open on holidays when other banks aren't, or they'll stay open for longer while other banks may close early before a holiday weekend.If you value strong mobile banking, you might prefer a bank with one of the best mobile banking apps. It should also be noted that some smaller local institutions and new online banking divisions don't have mobile apps for their high-yield savings accounts. That could be a disadvantage because that's one less way to manage your account.Accessibility for cash deposits and withdrawals also varies widely between online banks.A handful of high-yield savings accounts have debit cards or ATM cards, but for the most part, this isn't a common feature. Typically, you'll need to own a checking account with the same bank or make an external bank account transfer to take out cash. Depositing cash through a high-yield savings account can also involve extra steps, depending on the bank. Some banks do not let you make cash deposits on online high-yield savings accounts, so you have to deposit cash to the bank's checking account or to an external bank account from a different bank and then transfer money.A couple of online banks may have more ways for making cash deposits. For example, a few let you make cash deposits at ATMs in their network. You also might be able cash deposits at stores — usually there's a fee of around $5 per transaction, though.The interest rate isn't the only thing that matters in a high-yield savings account. When choosing an account, make sure you can afford the minimum deposit. You should also check whether there is a monthly service fee — and if so, find out if you qualify to waive it — or any requirements to earn the highest interest rate.It may also be helpful to look at what the requirements are for opening a savings account at a particular financial institution. Some banks allow immigrants and non-U.S. citizens to open an account with a Matricula Consular or foreign passport instead of a U.S. ID. You can also open a second chance bank account, which doesn't use ChexSystems to review your banking history. These may be options to consider if you're struggling to open a bank account at a financial institution.Some institutions also limit the number of monthly withdrawals/transfers you can make from your high-yield savings account before charging you a fee. You want an account that will result in a high interest rate and few to no fees so you can earn as much as possible. You'll also want to consider accounts tailored to your specific circumstances; for example, if you're in the military, you might want a savings account from one of the best military banks.Generally, you'll find the best nationwide savings interest rates at online banks. That said, a local credit union currently offers the highest interest rate on a savings account overall. You may get 6.17% APY on up to $1,000 in your savings if you join Digital Federal Credit Union. Membership, however, is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. The average savings account in the United States offers 0.43% APY.If you're more comfortable banking with a brick-and-mortar bank, a traditional savings account might be a better option for you. Just know that you may not be getting the best possible interest rate because online banks and credit unions usually offer higher rates.Once you're ready, you can apply for a high-yield savings account online. Typically, the bank will specify whether you can apply for individual and joint bank account, and if there are any age requirements to open a high-yield savings account. Some banks will only let you open a high-interest savings account if you're at least 18 years old. The application for opening a savings account requires basic information and proof of identity like your full name, home address, and job information. Online forms also generally require your Social Security number and driver's license information, although some banks let you use an Individual Taxpayer Identification Number instead of a Social Security number. You might also need to share copies of these documents if a bank asks for it. Some permit an alternative ID if you don't have a U.S. ID, like a foreign passport or Matricula Consular.Once you're approved to open an account, you'll be able to deposit money to a high-yield savings account. Some banks don't require an initial deposit, but if yours does, you can link an external bank account and make an ACH transfer as a funding method. If you choose an in-person bank, you might be able to deposit money at a branch as a funding method.If you'd like to have help opening a savings account, you can generally open a savings account at an in-person bank branch if your bank has it, or you can open an account over the phone.To maximize your earnings with a high-yield savings account, shop around to find one that pays a high rate and doesn't charge monthly service or excess withdrawal fees for taking money out regularly. You may find it helpful to set up automatic transfers from your checking account to your high-yield savings account. If you receive your paycheck as a direct deposit, you can also ask your employer to send a percentage of your paycheck to your high-yield savings account each pay period. As your balance grows with automatic savings and direct deposits, you'll earn more interest.If you're looking for ways on how to save money and be more consistent with your habits, consider the following tips: A savings account's purpose is to give you a safe place to save money over time. If you're racking up bank fees or having a tough time managing your account, then your savings account isn't serving you. Write down the pros and cons of your current savings account, and explore other options to see if you can find a better fit.Another thing to keep in mind is that savings accounts aren't necessarily the best place to keep money for long-term financial goals. If you have a long-term goal and are comfortable taking on some risk, you can earn higher returns if you invest in stocks.Once you have a savings account, don't forget that you'll need to report your interest as taxable income to the Internal Revenue Service when you're filing your tax return. You'll have to file a Form 1099-INT, which will ask you to report your interest earnings during the year.The Federal Reserve is the central banking system of the U.S. It sets its own interest rates based on current economic conditions, taking into account things like inflation and employment. It meets several times a year, and when it meets, it announces whether it's decided to raise interest rates, lower interest rates, or keep interest rates the same.Whatever the Fed does, banks and credit unions usually follow suit. If the Fed lowers rates, you're likely to see lower savings account rates, but if it raises its rates, then you're likely to see higher savings rates too.Savings rates hit a historic high in 2023 following years of the Fed raising rates, topping out around 5.5% APY. In comparison, between 2014 and 2021, the highest the Fed ever set its rates was 2.5%. Historical savings rates follow similar patterns to historical Fed rates.In late 2024, the Federal Reserve lowered rates for the first time after closing in on rate of inflation and unemployment targets. Since then, the Fed has lowered rates again. While rates are still high — Fed rates are currently targeted at 4.5% to 4.75% — we're likely to continue seeing interest rate decline in the coming years.Interest rates on high-interest savings accounts closely follow the federal funds rate. This means rates are variable and can change several times per year at the whim of the Federal Reserve. Keeping track of when the next Fed meeting will happen and whether rates can change can help you better understand fluctuations in high-yield savings account rates.If the interest rate on your savings account drops significantly, you may decide to look at other financial institutions to see if you can find a more competitive interest rate elsewhere. Typically, online banks and credit unions offer the highest interest rates for savings accounts. However, bear in mind that changing accounts may not be worth the effort, particularly if your new account's rate drops afterward.You also might consider other types of savings account options. For example, buying savings bonds or comparing CDs vs high-yield savings accounts may be worth doing if you've already established your emergency fund. The best CD rates are comparable to the best high-yield savings account rates. You might prefer a CD if you want to lock in a high rate for a set period of time, since CDs offer fixed rates. You won't risk your rate decreasing as you would with a savings account. But CDs offer less flexibility.You can't put more money into a CD after the initial opening deposit, and you'll pay a penalty if you take out money before the term ends. So, if you open a 3-year CD, you won't be able to take your money out of the CD until three years have passed without paying early withdrawal penalties.That being said, something like a CD ladder, which is where you buy multiple CDs with different term lengths, could give you more liquidity while still letting you lock in good rates.If you're trying to decide between CDs versus high-yield savings accounts, your choice could come down to when you need to deposit and/or withdraw money. (We also have a full explanation of how no-penalty CDs compare to savings accounts.)Money market accounts are similar to high-yield savings accounts, but they typically make it easier to access your savings. The best money market accounts come with features checking accounts might have, such as an ATM card, debit card, or paper checks.The best high-yield checking accounts are great tools for earning even more interest on your money. But checking account balances are often lower than savings account balances because you use them to spend money. If you're serious about using interest to grow your balance, a high-yield savings account is usually the better bet.APY stands for annual percentage yield. The APY of a savings account will tell you how much money you'll earn in a year, factoring in compound interest. Digital Federal Credit Union currently is the top high-yield saivngs account for earning interest. It pays 6.17% APY on balances up to $1,000. Credit Union membership is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. Savings account rates peaked in early 2024. The Fed cut rates twice in a row at its September and November Fed meetings, and the savings rate forecast for 2024 also indicates rates are expected to decline for the rest of the year.It's safe to keep all of your money in a high-yield savings account if your balance is $250,000 or less (for an individual account) or $500,000 or less (in a joint account). The FDIC and NCUA insure up to $250,000 per owner, per category. So if your bank fails, all of your insured money would be safe. If you have more than the FDIC or NCUA would insure, consider opening a second account at another institution or investing some money if it makes sense for you.Many high-yield savings accounts offer an APY of 5% or higher. With a 5% APY, you would have $10,500 in your account at the end of one year.The benefits of a high-yield savings accounts are that you can earn a high interest rate on your money while still being able to access it if you need to. Your money is also safe in a high-yield savings account, as it is FDIC-insured up to $250,000 for a single-owner bank account and $500,000 for a joint-owner account.Some fees associated with high-yield savings accounts include monthly maintenance fees, excess transaction fees, paper statement fees, and inactivity fees.You can choose the best high-yield savings account for you by analyzing fees, customer service availability, online and mobile banking features, and other features that impact your overall banking experience. It may also help you to think about whether you are interested in potentially getting other bank accounts or services in the future.Accessing money in a high-yield savings account depends largely on where you bank. Some banks let you easily access money because they have physical locations or offer multiple ways to make deposits or withdrawals. Others might not offer many ways to access your money, so you'll have to rely a lot on transferring money to external bank accounts, which can be tedious.The best high-yield savings accounts pay at least 4.60% APY. In one year, 4.60% APY on $1,000 would add around $46 to your account.Which bank offers the best high-yield savings account for you will largely depend on what you need from a bank. Currently, Digital Federal Credit Union offers the highest APY for a high-yield savings account, but it only offers that rate for the first $1,000 in the account. If you want to put more in your high-yield savings account, you might want to consider banks like BrioDirect.Yes, the interest rate on your savings account will most likely change. Interest rates on savings accounts are variable, meaning they can and will change regularly and without advance notice. These fluctuations are based on the federal funds rate, which is set by the Federal Reserve.Yes, high-yield savings accounts are still great places to store your extra money or emergency funds. With high-yield savings accounts you're making money on your savings with low risk and easy access.Yes, you can set up direct deposit to your savings account. You can typically have your paycheck, or a portion of your paycheck, deposited directly into savings, or you can set up recurring automatic deposits from checking into savings. To do this, you can call or visit a branch (if your bank has physical locations) or log into your bank's website or app.We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best high-yield savings accounts for your needs.Here's what our expert panel had to say about high-interest savings accounts. (Some text may be lightly edited for clarity.)Generally, what makes a high-yield savings account good or not good?Roger Ma, CFP® professional with and author of\"Work Your Money, Not Your Life\":\"It might not be as seamless to get your money out of an online savings account as it is a brick-and-mortar, but you don't want to have so much friction where it's such a pain to get the money out when you need it.\"Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:\"Anything with a fee is not a good high-yield savings account. Anything that restricts how much you can save is, to me, not very good. If I can't save more than $10,000 in this account, and then I have to move it over somewhere else — to me, that's not a really good savings account, because it's not really prepared to help me expand and grow, which is what a savings account is supposed to do. I also look at interest rates, definitely. I look to see when the interest is paid. Is it quarterly, or is it monthly? How often do they pay out interest, and what are the interest rate stipulations?\"Sophia Acevedo, banking editor, Business Insider:\"I would consider looking for features that will help manage your account. Some banks have high-yield savings accounts that let you separate your savings into individual goals and track your progress. Other financial institutions will let you deposit cash at ATMs or some retailers. A good high-yield savings account will likely be an account where you can grow your savings without unnecessary hassles.\"How should someone decide whether to put their money in a high-yield savings account, money market account, or CD?Tania Brown, CFP® professional, vice president of coaching strategy at OfColor:\"So I guess we'll start off with how much money you want to put in and the level of transactions you want to have. If you want to have any transactions, that automatically takes out CDs. Then you're stuck between the high-yield savings and the money market account.\"Sophia Acevedo, Business Insider:\"I would create a list of what I prioritize most in a bank account. For example, some banks have accounts that charge monthly service fees. I would look to see what the requirements are for waiving the monthly service fee and whether I think I could feasibly meet those requirements each month. If I'm searching for an interest-earning bank account, I'll pay attention to interest rates. I would make sure the account pays a higher interest rate than the average bank account.\"There are many high-yield savings accounts available across financial institutions. Through our research, we've found that the best high-yield savings accounts are offered by banks with a strong online presence, robo-advisors, and other internet-only financial companies. If you're more comfortable banking with a national brick-and-mortar bank, you'll likely have to consider a premium savings account to earn a more competitive interest rate.Business Insider's personal finance team is editorially independent, meaning that the business team doesn't tell the team's writers and editors what to write. You can learn more about how we review products through our editorial standards page. We review savings accounts at nearly three dozen institutions weekly to identify the strongest options. While interest rates (specifically, APY) are an important aspect of any savings account, we also consider minimum deposits and balance requirements, transfer limitations, and any other standout features.We rate bank products on a scale from zero to five stars, with one star being the lowest rating, three stars being an in-between rating, and five stars being the highest rating possible. See our bank account methodology to learn more about how we rate savings accounts.","articleSection":"Personal Finance, Banking, Savings","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What does APY mean?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\"><a href=\"https://www.businessinsider.com/personal-finance/banking/what-is-apy\" data-analytics-product-module=\"body_link\" rel=\"\">APY</a> stands for annual percentage yield. The APY of a savings account will tell you how much money you'll earn in a year, factoring in compound interest. </p>"}},{"@type":"Question","name":"What is the top high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Digital Federal Credit Union currently is the top high-yield saivngs account for earning interest. It pays 6.17% APY on balances up to $1,000. Credit Union membership is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. </p>"}},{"@type":"Question","name":"How high will savings interest rates go in 2024?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Savings account rates peaked in early 2024. The Fed cut rates twice in a row at its September and November Fed meetings, and the <a href=\"https://www.businessinsider.com/personal-finance/banking/savings-rate-forecast\" data-analytics-product-module=\"body_link\" rel=\"\">savings rate forecast for 2024</a> also indicates rates are expected to decline for the rest of the year.</p>"}},{"@type":"Question","name":"Can you lose money in a high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">It's safe to keep all of your money in a high-yield savings account if your balance is $250,000 or less (for an individual account) or $500,000 or less (in a joint account). The FDIC and NCUA insure up to $250,000 per owner, per category. So <a href=\"https://www.businessinsider.com/personal-finance/banking/what-happens-if-my-bank-fails\" data-analytics-product-module=\"body_link\" rel=\"\">if your bank fails</a>, all of your insured money would be safe. If you have more than the FDIC or NCUA would insure, consider opening a second account at another institution or investing some money if it makes sense for you.</p>"}},{"@type":"Question","name":"How much will $10,000 make in a high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Many high-yield savings accounts offer an APY of 5% or higher. With a 5% APY, you would have $10,500 in your account at the end of one year.</p>"}},{"@type":"Question","name":"What are the benefits of a high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The benefits of a high-yield savings accounts are that you can earn a high interest rate on your money while still being able to access it if you need to. Your money is also safe in a high-yield savings account, as it is FDIC-insured up to $250,000 for a single-owner bank account and $500,000 for a joint-owner account.</p>"}},{"@type":"Question","name":"Are there any fees associated with high-yield savings accounts?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Some fees associated with high-yield savings accounts include monthly maintenance fees, excess transaction fees, paper statement fees, and inactivity fees.</p>"}},{"@type":"Question","name":"How do I choose the best high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can choose the best high-yield savings account for you by analyzing fees, customer service availability, online and mobile banking features, and other features that impact your overall banking experience. It may also help you to think about whether you are interested in potentially getting other bank accounts or services in the future.</p>"}},{"@type":"Question","name":"Can I access my money easily with a high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Accessing money in a high-yield savings account depends largely on where you bank. Some banks let you easily access money because they have physical locations or offer multiple ways to make deposits or withdrawals. Others might not offer many ways to access your money, so you'll have to rely a lot on transferring money to external bank accounts, which can be tedious.</p>"}},{"@type":"Question","name":"How much will $1,000 make in a high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best high-yield savings accounts pay at least 4.60% APY. In one year, 4.60% APY on $1,000 would add around $46 to your account.</p>"}},{"@type":"Question","name":"Which bank has the best high-yield savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Which bank offers the best high-yield savings account for you will largely depend on what you need from a bank. Currently, Digital Federal Credit Union offers the highest APY for a high-yield savings account, but it only offers that rate for the first $1,000 in the account. If you want to put more in your high-yield savings account, you might want to consider banks like BrioDirect.</p>"}},{"@type":"Question","name":"Does the interest rate on my savings account change?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, the interest rate on your savings account will most likely change. Interest rates on savings accounts are variable, meaning they can and will change regularly and without advance notice. These fluctuations are based on the federal funds rate, which is set by the Federal Reserve.</p>"}},{"@type":"Question","name":"Are high-yield savings accounts still worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, high-yield savings accounts are still great places to store your extra money or emergency funds. With high-yield savings accounts you're making money on your savings with low risk and easy access.</p>"}},{"@type":"Question","name":"Can I set up direct deposit for my savings account?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, you can set up <a href=\"https://www.businessinsider.com/personal-finance/banking/direct-deposit\" data-analytics-product-module=\"body_link\" rel=\"\">direct deposit</a> to your savings account. You can typically have your paycheck, or a portion of your paycheck, deposited directly into savings, or you can set up recurring automatic deposits from checking into savings. To do this, you can call or visit a branch (if your bank has physical locations) or log into your bank's website or app.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking","name":"Banking"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/savings","name":"Savings"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now","name":"Best High-Yield Savings Accounts for December 2024"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/banking" class=" 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/savings" class="" data-track-click="{"product_field":"Savings","element_name":"breadcrumbs","event":"navigation"}" > Savings </a> </span> </div> <h1 class="post-headline ">Best High-Yield Savings Accounts for December 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Sophia Acevedo" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sophia-acevedo" >Sophia Acevedo</a></span> and <span class="" data-e2e-name="Kit Pulliam" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/kit-pulliam" >Kit Pulliam</a><span class="headline-regular">;</span></span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-11-25T20:56:31Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-11-25T20:56:31Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Choose the Best Savings Account for You </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#what-is-a-good-interest-rate-on-a-savings-account?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What is a Good Interest Rate on a Savings Account? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#hysa-rates-and-the-federal-reserve" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > HYSA Rates and the Federal Reserve </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#high-yield-savings-account-faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > High-Yield Savings Account FAQs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#best-online-high-yield-savings-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Online High-Yield Savings Accounts </a> </li> <li> <a href="#best-savings-account-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Savings Account Rates </a> </li> <li> <a href="#top-savings-account-reviews" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top Savings Account Reviews </a> </li> <li> <a href="#understanding-high-yield-savings-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Understanding High-Yield Savings Accounts </a> </li> <li> <a href="#how-to-choose-the-best-savings-account-for-you" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Choose the Best Savings Account for You </a> </li> <li> <a href="#what-is-a-good-interest-rate-on-a-savings-account?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What is a Good Interest Rate on a Savings Account? </a> </li> <li> <a href="#hysa-rates-and-the-federal-reserve" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > HYSA Rates and the Federal Reserve </a> </li> <li> <a href="#high-yield-savings-account-faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > High-Yield Savings Account FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>The <a href="https://www.businessinsider.com/federal-reserve-cuts-interest-rates-quarter-point-powell-inflation-election-2024-11" data-analytics-product-module="body_link" rel="">Federal Reserve recently cut interest rates again</a>, which could lead to savings account rates dropping further than they already have. Still, high-yield savings accounts continue to be a great option for savings you want to store in a low-risk, easy-to-access account.</p><p>The top high-yield savings accounts earn more interest than typical savings accounts at brick-and-mortar banks, even in a declining interest rate environment. </p><p>We report on the highest-yielding savings account rates currently available. We've listed the highest interest rates for savings accounts, as well as two high-yield accounts from popular national brands (Barclays and EverBank). All of the banks and credit unions listed offer at least 4.75% APY (Annual Percentage Yield), significantly higher than the national average.</p><aside class="quick-tip headline-regular ignore-typography"><p style="text-align: left;"><strong>Featured Nationally Available Deposit Rates</strong></p><p style="text-align: left;">Open a new bank account or cash management account and earn best-in-class rates.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 245px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold">Account Name</td><td style="width: 32.507%; height: 22px;" class="headline-regular headline-semibold">APYs (Annual Percentage Yields) are accurate as of 11/25/2024</td><td style="width: 25%; height: 22px;" class="headline-regular headline-semibold">Minimum Account Opening Balance</td></tr><tr style="height: 47px;"><td style="width: 42.493%; height: 47px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d1991bd3f833fe53fa64" data-analytics-product-brand="Featured Savings Offer - Position 1" data-analytics-product-name="Featured Offer - LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a></td><td style="width: 32.507%; height: 47px;" class="headline-regular">up to 4.75%*</td><td style="width: 25%; height: 47px;" class="headline-regular">$0</td></tr><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d2511bd3f833fe53fa66" data-analytics-product-brand="Featured Savings Offer - Position 3" data-analytics-product-name="Featured Offer - BrioDirect High-Yield Savings Account" href="http://p.pohik.com/cgi/r?;n=203;c=1685766;s=29151;x=7936;f=202405291635520;u=j;z=TIMESTAMP">BrioDirect High-Yield Savings Account</a></td><td style="width: 32.507%; height: 22px;" class="headline-regular">4.85%</td><td style="width: 25%; height: 22px;" class="headline-regular">$5,000</td></tr><tr style="height: 43px;"><td style="width: 42.493%; height: 43px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e0d1e71bd3f833fe53fa65" data-analytics-product-brand="Featured Savings Offer - Position 4" data-analytics-product-name="Featured Offer - Barclays Tiered Savings" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420" data-am-orig-url="https://affiliate.insider.com/?h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420">Barclays Tiered Savings</a></td><td style="width: 32.507%; height: 43px;" class="headline-regular">up to 4.80%**</td><td style="width: 25%; height: 43px;" class="headline-regular">$0</td></tr><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d2796b7e5f425a95cab4" data-analytics-product-brand="Featured Savings Offer - Position 5" data-analytics-product-name="Featured Offer - CIT Bank Platinum Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/39f72b38-71a5-4c46-b452-6a06bc1d0e27">CIT Bank Platinum Savings</a></td><td style="width: 32.507%; height: 22px;" class="headline-regular">4.55% (with $5,000 minimum balance)***</td><td style="width: 25%; height: 22px;" class="headline-regular">$100</td></tr><tr style="height: 67px;"><td style="width: 42.493%; height: 67px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d2ae6b7e5f425a95cab5" data-analytics-product-brand="Featured Savings Offer - Position 6" data-analytics-product-name="Featured Offer - Western Alliance Bank High-Yield Savings Premier" href="https://api.fintelconnect.com/t/l/6646a66462d135001b9f45a9">Western Alliance Bank High-Yield Savings Premier</a></td><td style="width: 32.507%; height: 67px;" class="headline-regular">4.46%****</td><td style="width: 25%; height: 67px;" class="headline-regular">$500</td></tr><tr><td style="width: 42.493%;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="672bf0bbc547fe725bdffbcb" data-analytics-product-brand="Featured Savings Offer - Position 7" data-analytics-product-name="Featured Offer - SoFi Checking and Savings (Member FDIC)" href="https://offers.moneylion.com/channelTrackingOfferRedirect/7547f959-9958-4753-b9b8-16db78e66c25/e15362d2-3d04-43d2-9c56-ca715adba5d9">SoFi Checking and Savings (Member FDIC)</a></td><td style="width: 32.507%;" class="headline-regular">up to 4.20%*****</td><td style="width: 25%;" class="headline-regular">$0</td></tr><tr><td style="width: 42.493%;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="672d1e1fd16e6200babd00af" data-analytics-product-brand="Featured Savings Offer - Position 8" data-analytics-product-name="Featured Offer - Discover® Online Savings Account" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=581f5715be57d68163851e7cd4ef0441c169d3ad3db118e71309cc384b109fb6&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671919%26cr%3D26691%26last_updated%3D1584057067" data-am-orig-url="https://affiliate.insider.com/?h=581f5715be57d68163851e7cd4ef0441c169d3ad3db118e71309cc384b109fb6&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26671919%26cr%3D26691%26last_updated%3D1584057067">Discover® Online Savings Account</a></td><td style="width: 32.507%;" class="headline-regular">3.90% (as of 11/21/24)</td><td style="width: 25%;" class="headline-regular">$0</td></tr></tbody></table></div></aside><h2 id="best-online-high-yield-savings-accounts" data-toc-label="Best Online High-Yield Savings Accounts" class="toc-anchor">Best Online High-Yield Savings Accounts</h2><p>The best high-interest savings accounts will have a strong interest rate, good perks, and national accessibility. The top options also offer no monthly maintenance fees and low minimum opening deposits.</p><p>Many of the <a href="https://www.businessinsider.com/personal-finance/banking/best-banks" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="20" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-banks">best banks</a> and credit unions for high-yield savings accounts are online. Our top picks for savings accounts are federally insured by the FDIC or NCUA. Federal insurance protects up to $250,000 per depositor in the event of a bank failure.</p><h2 id="best-savings-account-rates" data-toc-label="Best Savings Account Rates" class="toc-anchor">Best Savings Account Rates</h2><p>Here are the best high-yield savings accounts as picked by Business Insider editors in 2024.</p><ul><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6390fe14d6a5350011d01eee" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="DCU Primary Savings Account" href="https://www.businessinsider.com/personal-finance/dcu-savings-bridge">DCU Primary Savings Account</a>: 0.05% to 6.17% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66edbd63aae8c0359ec0c706" data-analytics-product-brand="Pibank" data-analytics-product-name="Pibank Savings" href="https://www.businessinsider.com/personal-finance/pibank-savings-bridge">Pibank Savings</a>: 5.50% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="646549b83b2b710011719f0d" data-analytics-product-brand="Newtek Bank" data-analytics-product-name="Newtek Bank Personal High Yield Savings Account" href="https://www.businessinsider.com/personal-finance/newtek-bank-savings-bridge">Newtek Bank Personal High Yield Savings Account</a>: 5.25% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="670947f3f22e26e6a21e6f68" data-analytics-product-brand="Openbank" data-analytics-product-name="Openbank High Yield Savings" href="https://www.bankrate.com/landing/business-insider/best-savings-options/?sub-id=PLACESUBIDHERE">Openbank High Yield Savings</a>: 5.00% (vary depending on location) APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64654e353b2b710011719f1d" data-analytics-product-brand="Ivy Bank" data-analytics-product-name="Ivy Bank High-Yield Savings Account" href="https://www.businessinsider.com/personal-finance/ivy-bank-savings-bridge">Ivy Bank High-Yield Savings Account</a>: up to 5.00% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="64ac608dfa04b85b91c15802" data-analytics-product-brand="Bank5 Connect" data-analytics-product-name="Bank5 Connect Jumbo Savings Account" href="https://www.businessinsider.com/personal-finance/bank5-connect-review">Bank5 Connect Jumbo Savings Account</a>: 4.95% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61420e6b1ccd11001141a84e" data-analytics-product-brand="BrioDirect" data-analytics-product-name="BrioDirect High-Yield Savings Account" href="http://p.pohik.com/cgi/r?;n=203;c=1685766;s=29151;x=7936;f=202405291635520;u=j;z=TIMESTAMP">BrioDirect High-Yield Savings Account</a>: 4.85% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6631471d9ffacd276a350fc8" data-analytics-product-brand="Jenius Bank" data-analytics-product-name="Jenius Savings Account" href="https://www.businessinsider.com/personal-finance/banking/jenius-bank-review">Jenius Savings Account</a>: 4.80% APY</li><li><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="669533ea02c5b90f817d1aef" data-analytics-product-brand="Barclays" data-analytics-product-name="Barclays Tiered Savings" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420" data-am-orig-url="https://affiliate.insider.com/?h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420">Barclays Tiered Savings</a>: up to 4.80% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6500a011d96bc7b0e239bdee" data-analytics-product-brand="EverBank" data-analytics-product-name="EverBank Performance℠ Savings" href="https://www.businessinsider.com/personal-finance/banking/everbank-review">EverBank Performance℠ Savings</a>: 4.75% APY</li><li><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="66c787d582b1c2b36ac07673" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a>: up to 4.75% APY</li></ul><h2 id="top-savings-account-reviews" data-toc-label="Top Savings Account Reviews" class="toc-anchor">Top Savings Account Reviews</h2><h3>DCU Primary Savings Account</h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6390fe14d6a5350011d01eee" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="DCU Primary Savings Account" href="https://www.businessinsider.com/personal-finance/dcu-savings-bridge">DCU Primary Savings Account</a> is one of two <a href="https://www.businessinsider.com/personal-finance/banking/6-percent-interest-savings-accounts" data-analytics-product-module="body_link" rel="">savings accounts that pays 6% interest</a>. The other account is Boeing Employees Credit Union Member Advantage Savings, which pays 6.17% APY on the first $500 when you meet certain requirements. </p><p>You can earn 6.17% APY on balances up to $1,000 with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6390fe14d6a5350011d01eee" data-analytics-product-brand="Digital Federal Credit Union" data-analytics-product-name="DCU Primary Savings Account" href="https://www.businessinsider.com/personal-finance/dcu-savings-bridge">DCU Primary Savings Account</a>. If you have an account balance above $1,000, the <a href="https://www.businessinsider.com/personal-finance/banking/what-is-interest" data-analytics-product-module="body_link" rel="">interest</a> rate drops to 0.15% APY. This account doesn't charge monthly service fees.</p><p>To open the Digital Federal Credit Union Primary Savings Account, you'll have to meet certain membership eligibility requirements. You must live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. </p><p>Digital Federal Credit Union currently has an <a href="https://www.bbb.org/us/ma/marlborough/profile/credit-union/digital-federal-credit-union-0021-86036" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB. The credit union hasn't been involved in any recent public controversies. </p><h3>Pibank Savings</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="66edbd63aae8c0359ec0c706" data-analytics-product-brand="Pibank" data-analytics-product-name="Pibank Savings" href="https://www.businessinsider.com/personal-finance/pibank-savings-bridge">Pibank Savings</a> offers the highest-yield savings account rate nationally. This account pays 5.50% APY, has a $0 minimum opening deposit, and no monthly service fees. </p><p>If you haven't heard of Pibank before, it's an online brand of Intercredit Bank, a financial institution in Miami. </p><p>While this account offer a competitive interest rate and has relatively flexible opening requirements, there a couple of downsides to take note of. Pibank Savings doesn't support payments through Bill Pay or Zelle. You also may be charged fees by your external financial institution for outgoing and incoming wire transfers.</p><p>The BBB gave Intercredit Bank an <a href="https://www.bbb.org/us/fl/miami/profile/bank/intercredit-bank-na-0633-92005319" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">C+ rating</a> because it hasn't responded to one complaint against the business. Pibank hasn't received an individual rating from the BBB yet.</p><h3>Newtek Bank High-Yield Savings</h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="646549b83b2b710011719f0d" data-analytics-product-brand="Newtek Bank" data-analytics-product-name="Newtek Bank Personal High Yield Savings Account" href="https://www.businessinsider.com/personal-finance/newtek-bank-savings-bridge">Newtek Bank Personal High Yield Savings Account</a> is one of the highest interest savings accounts you can find nationally. It also has a $0 minimum opening deposit. Newtek Bank also has one of the <a href="https://www.businessinsider.com/personal-finance/banking/best-6-month-cd-rates" data-analytics-product-module="body_link" rel="">best 6-month CD rates</a>.</p><p>Newtek Bank received an <a href="https://www.bbb.org/us/fl/miami/profile/bank/newtek-bank-national-association-0633-92030800" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB.</p><p>Newtek Bank doesn't have a personal checking account, and you can't get a debit card or ATM card with a high-yield savings account. If you need to withdraw money, you'll have to transfer it to an external bank account.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/newtek-bank-savings-review" data-analytics-product-module="body_link" rel="">Newtek Bank Savings Review</a></em></p><h3>Openbank High-Yield Savings Account</h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="670947f3f22e26e6a21e6f68" data-analytics-product-brand="Openbank" data-analytics-product-name="Openbank High Yield Savings" href="https://www.bankrate.com/landing/business-insider/best-savings-options/?sub-id=PLACESUBIDHERE">Openbank High Yield Savings</a> has a high savings account interest rate of 5.00% (vary depending on location) APY. It doesn't charge any monthly service fees, either.</p><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="670947f3f22e26e6a21e6f68" data-analytics-product-brand="Openbank" data-analytics-product-name="Openbank High Yield Savings" href="https://www.bankrate.com/landing/business-insider/best-savings-options/?sub-id=PLACESUBIDHERE">Openbank High Yield Savings</a> comes with some downsides that might not make it a good choice for you. You'll only be able to bank using Openbank's mobile banking app, and you'll need a phone that has either fingerprint or face recognition technology. If you don't have a phone with those features or don't want to use those features, you'll want to go with a different bank. You might also struggle to get money in and out of the account; you won't have access to ATMs or mobile check deposit with this account, and Openbank doesn't have a checking account you can transfer your money into easily.</p><p>Openbank does not have a rating from the BBB. Its parent bank, Santander Bank, has an <a href="https://www.bbb.org/us/ma/boston/profile/holding-company/santander-bank-0021-189352" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB. Neither Openbank nor Santander Bank have recent controversies.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/openbank-savings-account-review" data-analytics-product-module="body_link" rel="">Openbank Savings Account Review</a></em></p><h3><strong>Ivy Bank High Yield Savings Account</strong></h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="64654e353b2b710011719f1d" data-analytics-product-brand="Ivy Bank" data-analytics-product-name="Ivy Bank High-Yield Savings Account" href="https://www.businessinsider.com/personal-finance/ivy-bank-savings-bridge">Ivy Bank High-Yield Savings Account</a> might be a good choice if you have at least $2,500 to open an account. You'll also need to maintain an account balance between $2,500 and $1 million to earn the highest APY. You'll earn 0.05% APY on account balances under $2,500. </p><p>Ivy Bank is an online-only division of Cambridge Savings Bank. Anyone in the United States is eligible to open an Ivy Bank account except for California residents. </p><p>Ivy Bank hasn't been rated yet by the Better Business Bureau. However, Cambridge Savings Bank has received an <a href="https://www.bbb.org/us/ma/cambridge/profile/bank/cambridge-savings-bank-0021-29" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A- rating</a> because it has failed to respond to a few customer complaints. Neither bank has been involved in recent controversies.</p><h3><strong>Bank5 Connect Jumbo Savings</strong></h3><p>Bank5 Connect has a high-yield savings account that pays a high interest rate and has no monthly service fee. It also offers early direct deposit so you can receive your paycheck up to two days early. Its most unique feature is that, along with FDIC insurance, it offers Depositors Insurance Fund (DIF) protection. FDIC insurance protects up to $250,000 in an individual account, and DIF insurance protects any deposits above that amount. </p><p>This account is only a good option if you have at least $25,000. You need $25,000 to open the account, and you must maintain this balance to earn interest. Bank5 Connect also compounds interest monthly, not daily. Depending on how much you save, this may or may not make a significant difference in how much you earn.</p><p>Bank5 Connect is the online subsidiary of Bank Five, which has an <a href="https://www.bbb.org/us/ma/fall-river/profile/bank/bank-five-0021-124336" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/bank5-connect-review" data-analytics-product-module="body_link" rel="">Bank5 Connect Review</a></em></p><h3><strong>BrioDirect High-Yield Savings Account</strong></h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61420e6b1ccd11001141a84e" data-analytics-product-brand="BrioDirect" data-analytics-product-name="BrioDirect High-Yield Savings Account" href="http://p.pohik.com/cgi/r?;n=203;c=1685766;s=29151;x=7936;f=202405291635520;u=j;z=TIMESTAMP">BrioDirect High-Yield Savings Account</a> offers a competitive rate of 4.85% APY and doesn't charge monthly maintenance fees.</p><p>You might consider another bank if you'd like to open a high-yield savings account with a low minimum opening deposit. The BrioDirect High-Yield Savings Account requires $5,000 to open an account. </p><p>The BBB also gave BrioDirect's parent company, Webster Bank, a <a href="https://www.bbb.org/us/ct/stamford/profile/bank/webster-financial-corporation-0111-77000397" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.bbb.org/us/ct/stamford/profile/bank/webster-financial-corporation-0111-77000397">B- rating</a> because it received numerous customer complaints and hasn't resolved one of the complaints.</p><p>Webster Bank has also been involved in a recent controversy. In January 2024, Webster paid <a href="https://www.law360.com/articles/1781952?ta_id=995095" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">$1.4 million in a settlement</a> over a class action lawsuit. The lawsuit was over a ransomware attack on Webster Bank that resulted in some customers of the bank having their personal information stolen.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/briodirect-bank-review" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/briodirect-bank-review" rel="">BrioDirect Review</a></em></p><h3>Jenius Savings Account</h3><p> The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6631471d9ffacd276a350fc8" data-analytics-product-brand="Jenius Bank" data-analytics-product-name="Jenius Savings Account" href="https://www.businessinsider.com/personal-finance/banking/jenius-bank-review">Jenius Savings Account</a> is a good choice if you're interested in an individual or joint savings account. Jenius Bank doesn't require a minimum opening deposit, has no monthly service fee, and compounds interest daily — all of these, along with its high interest rate, make Jenius a good pick.</p><p>Jenius Bank isn't available for everyone, however. Residents of Hawaii and New Mexico won't be able to use Jenius.</p><p>Jenius Bank doesn't have a BBB page itself. However, Jenius Bank is a division of SMBC MANUBANK, which currently has an <a href="https://www.bbb.org/us/ca/newport-beach/profile/bank/smbc-manubank-1126-1000122752" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB.</p><p>Neither Jenius Bank nor SMBC MANUBANK have any recent controversies.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/jenius-bank-review" data-analytics-product-module="body_link" rel="">Jenius Bank Review</a></em></p><h3><strong>Barclays Tiered Savings Account</strong></h3><p>The <a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="body_link" data-analytics-product-id="669533ea02c5b90f817d1aef" data-analytics-product-brand="Barclays" data-analytics-product-name="Barclays Tiered Savings" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420" data-am-orig-url="https://affiliate.insider.com/?h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420">Barclays Tiered Savings</a> account pays a great interest rate if you can meet the requirements, and there's a $0 minimum deposit and no monthly maintenance fee. You can also get a bonus of $200 if you open a new account and meet the requirements, which include depositing and keeping a balance of $25,000 in the account for a certain amount of time.</p><p>To earn the highest interest rate, you'll need to have at least $250,000 in your account. You'll still earn a good interest rate if you can't meet that requirement, but the lower rate isn't as good as what our other top picks offer. Additionally, FDIC insurance doesn't cover amounts over $250,000 for single depositors, so you'll have to be OK with some of your money being uninsured — or try to keep the money in your account at exactly $250,000 — if you want to earn the highest rate.</p><p>The bank has been involved in one recent public controversy. In 2022, the Securities and Exchange Commission required Barclays to pay $361 million in a settlement that accused the bank of having unregistered sales of securities.</p><p>The Better Business Bureau gives Barclays an <a href="https://www.bbb.org/us/ca/san-francisco/profile/banking-services/barclays-1116-883957" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.bbb.org/us/ca/san-francisco/profile/banking-services/barclays-1116-883957">A+ rating</a>.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/barclays-savings-review" data-analytics-product-module="body_link" rel="">Barclays Savings Review</a></em></p><h3>Everbank Performance Savings </h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6500a011d96bc7b0e239bdee" data-analytics-product-brand="EverBank" data-analytics-product-name="EverBank Performance℠ Savings" href="https://www.businessinsider.com/personal-finance/banking/everbank-review">EverBank Performance℠ Savings</a> is relatively easy to open and maintain, so it's a good choice if you're searching for a straightforward high-yield savings account. It has a $0 minimum opening deposit and no monthly service fee.</p><p>EverBank offers a competitive interest rate of 4.75% APY to new customers. If you already have a savings account with EverBank, you may not be able to qualify for this rate, though.</p><p>EverBank might not sound familiar, but you might know the bank's former name. It was previously known as TIAA Bank and changed its name after it sold most of its shares to private investors.</p><p>EverBank has an <a href="https://www.bbb.org/us/fl/clearwater/profile/bank/everbank-0653-90138643" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="20" data-mrf-link="https://www.bbb.org/us/fl/clearwater/profile/bank/everbank-0653-90138643">A+ rating from the Better Business Bureau</a>. It hasn't been involved in any recent public controversies. </p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/everbank-review" data-analytics-product-module="body_link" rel="">EverBank Review</a></em></p><h3>LendingClub LevelUp Savings Account</h3><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="66c787d582b1c2b36ac07673" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a> could be a good option for people planning on using it as their primary savings account.</p><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="66c787d582b1c2b36ac07673" data-analytics-product-brand="LendingClub" data-analytics-product-name="LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a> comes with a minimum opening deposit of $0 and no monthly service fee, making it a good choice for people looking for a free savings account. It also comes with a free ATM card, which is useful for people who don't mind using an online bank but who want to be able to withdraw cash.</p><p>You'll need to meet some requirements to get the highest interest rate, though. In order to get the full 4.75% APY, you'll need to deposit at least $250 each month. If you don't, you'll earn 3.75% APY — still a good rate, but not as high as some of the other accounts on this list. </p><p>LendingClub has an <a href="https://www.bbb.org/us/ca/san-francisco/profile/financial-services/lendingclub-corporation-1116-361746" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the BBB. It doesn't have any recent controversies.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/lendingclub-bank-review" data-analytics-product-module="body_link" rel="">LendingClub Bank Review</a></em></p><h2 data-toc-label="Understanding High-Yield Savings Accounts" id="understanding-high-yield-savings-accounts" class="toc-anchor">Understanding High-Yield Savings Accounts</h2><h3 id="what-is-a-high-yield-savings-account?">What Is a High-Yield Savings Account?</h3><p>High-yield savings accounts are a type of bank account. You can distinguish them from traditional savings accounts because they pay a higher yield. That's because they're generally offered by online banks and credit unions, so these financial institutions don't generally have to pay for all of the expenses that brick-and-mortar banks and credit unions do.</p><p>Besides its ability to earn more interest, a high-yield savings account is structurally similar to a traditional savings account. It still has FDIC or NCUA insurance, and you need to pay attention to minimum opening requirements, minimum balance requirements for earning interest, and common bank fees.</p><h3 id="benefits-of-a-high-yield-savings-account"><strong>Benefits of a High-Yield Savings Account</strong></h3><p><strong>Higher Interest Rates Than Traditional Savings Accounts</strong></p><p>A traditional savings account from a brick-and-mortar financial institution typically pays a low interest rate. For example, big banks like Chase and Bank of America pay less than 0.05% APY on their standard savings account.</p><p>You'll earn significantly more with a high-yield savings account. The highest savings rates land between 4% to 5% APY.</p><p><strong>Safe and Secure</strong></p><p>Like other bank accounts, almost all high-yield savings accounts are either FDIC-insured or NCUA-insured, depending on whether you're banking with a bank or a credit union, respectively. This means your money will be ensured up to $250,000 for an individual bank account or up to $500,000 for a <a href="https://www.businessinsider.com/personal-finance/banking/best-joint-bank-accounts" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-joint-bank-accounts">joint bank account</a>.</p><p><strong>Ideal for Growing Your Money</strong></p><p>High-yield savings accounts can be great for when you want to earn some money on your savings without risk and while still having easy access to it. This makes it ideal for <a href="https://www.businessinsider.com/personal-finance/banking/what-is-an-emergency-fund" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/what-is-an-emergency-fund">emergency funds</a>; you don't want to risk your emergency funds on investing, and you want to be able to access your emergency funds if something major happens. With high-yield savings accounts, you'll still be able to make money off your money without sacrificing safety and access.</p><h3>How Savings Accounts Work</h3><p>A savings account rate is variable, which means it can fluctuate after it is opened. Your bank will usually email you to tell you the rate will go up or down soon.</p><p>Savings accounts may also have transfer limits, according to federal rule Regulation D. Generally, if a savings account has a transfer limit, this means that you'll only be permitted to make six transfers from the account each month. If you exceed the transfer limit, you will have to pay a fee for each additional transfer.</p><p>The Board of Governors of the Federal Reserve has recently <a href="https://www.federalreserve.gov/supervisionreg/caletters/caltr2106.htm#:~:text=On%20April%2028%2C%202020%2C%20the,the%20%E2%80%9Csavings%20deposit%E2%80%9D%20definition." target="_blank" rel="noopener" data-analytics-module="body_link" data-analytics-post-depth="60" data-uri="c129925cb7b8597645955773d52a914e" data-analytics-product-module="body_link" data-mrf-link="https://www.federalreserve.gov/supervisionreg/caletters/caltr2106.htm#:~:text=On%20April%2028%2C%202020%2C%20the,the%20%E2%80%9Csavings%20deposit%E2%80%9D%20definition.">amended Regulation D</a>, so banks may choose to suspend the monthly transfer limit so customers can make unlimited monthly transactions, or they could enforce a six-per-month limit.</p><h2>What to Look for  in a High-Yield Savings Account</h2><h3>The Different Types of Savings Accounts</h3><p>There are six <a href="https://www.businessinsider.com/personal-finance/banking/types-of-savings-accounts" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/types-of-savings-accounts">types of savings accounts</a>: traditional savings accounts, high-yield savings accounts, money market accounts, certificates of deposit, cash management accounts, and specialty savings accounts. The best savings account for you depends on your banking preferences, goals, and when you'll need to access your money.</p><p>A high-yield savings account, for example, is a strong choice if you're comfortable with banking digitally and want to obtain a high interest rate.</p><h3>High-Yield Savings Account Fees</h3><p>Depending on where you bank, some savings accounts may charge <a href="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee">monthly bank maintenance fees</a>. A monthly service fee is an amount you'll have to pay each month to maintain an account. Some accounts will allow you to waive a monthly service fee if you meet certain requirements while others cannot be waived. Bear in mind that some savings accounts do not charge certain fees at all.</p><h3>Minimum Balance Requirements for Earning Interest</h3><p>Some banks will require you to keep some money in your savings account to get the highest savings account interest rate. Savings account promotions are also more common in a competitive interest rate environment. You might see some companies pay a bonus rate for a new account for the first couple of months. These specials are to attract new customers. To make sure you're getting a top rate, find out what the interest rate will be once the promotion is over so you know there isn't a significant decline in APY.</p><h3>Accessibility and Customer Service of the Bank</h3><p>You should also factor in the overall customer experience at the bank.</p><p>High-yield savings accounts are more commonly found at online banks. You might find some brick-and-mortar financial institutions with these accounts, or a few institutions that offer a hybrid experience, but for the most part, be prepared for a primarily digital banking experience.</p><p>Some <a href="https://www.businessinsider.com/personal-finance/banking/banks-with-24-7-customer-support" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/banks-with-24-7-customer-support">banks offer 24/7 customer support</a> by phone or through live chat, so you may look into these options if traditional banking hours don't work well with your schedule.</p><p>You can also check a <a href="https://www.businessinsider.com/personal-finance/banking/when-are-banks-closed-us-bank-holidays" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/when-are-banks-closed-us-bank-holidays">bank holiday schedule</a> to see if it has a flexible branch calendar. Some banks are open on holidays when other banks aren't, or they'll stay open for longer while other banks may close early before a holiday weekend.</p><p>If you value strong mobile banking, you might prefer a bank with one of the <a href="https://www.businessinsider.com/personal-finance/banking/best-mobile-banking-apps" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-mobile-banking-apps">best mobile banking apps</a>. It should also be noted that some smaller local institutions and new online banking divisions don't have mobile apps for their high-yield savings accounts. That could be a disadvantage because that's one less way to manage your account.</p><p>Accessibility for cash deposits and withdrawals also varies widely between online banks.</p><p>A handful of <a href="https://www.businessinsider.com/personal-finance/banking/savings-account-with-debit-card" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/savings-account-with-debit-card">high-yield savings accounts have debit cards or ATM cards</a>, but for the most part, this isn't a common feature. Typically, you'll need to own a checking account with the same bank or make an external bank account transfer to take out cash. </p><p>Depositing cash through a high-yield savings account can also involve extra steps, depending on the bank. Some banks do not let you make cash deposits on online high-yield savings accounts, so you have to deposit cash to the bank's checking account or to an external bank account from a different bank and then transfer money.</p><p>A couple of online banks may have more ways for making cash deposits. For example, a few let you make cash deposits at ATMs in their network. You also might be able cash deposits at stores — usually there's a fee of around $5 per transaction, though.</p><h2 id="how-to-choose-the-best-savings-account-for-you" data-toc-label="How to Choose the Best Savings Account for You" class="toc-anchor">How to Choose the Best Savings Account for You</h2><p>The interest rate isn't the only thing that matters in a high-yield savings account. When choosing an account, make sure you can afford the minimum deposit. You should also check whether there is a monthly service fee — and if so, find out if you qualify to waive it — or any requirements to earn the highest interest rate.</p><p>It may also be helpful to look at what the requirements are for opening a savings account at a particular financial institution. Some banks allow <a href="https://www.businessinsider.com/personal-finance/banking/banks-credit-unions-for-immigrants-non-us-citizens" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banks-credit-unions-for-immigrants-non-us-citizens">immigrants and non-U.S. citizens to open an account</a> with a Matricula Consular or foreign passport instead of a U.S. ID. You can also open a second chance bank account, which doesn't use ChexSystems to review your banking history. These may be options to consider if you're struggling to open a bank account at a financial institution.</p><p>Some institutions also limit the number of monthly withdrawals/transfers you can make from your high-yield savings account before charging you a fee. You want an account that will result in a high interest rate and few to no fees so you can earn as much as possible. You'll also want to consider accounts tailored to your specific circumstances; for example, if you're in the military, you might want a savings account from one of the <a href="https://www.businessinsider.com/personal-finance/banking/best-banks-and-credit-unions-military-and-families" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-banks-and-credit-unions-military-and-families">best military banks</a>.</p><h2>High Interest Savings Account Interest Rate Facts</h2><p>Generally, you'll find the best nationwide savings interest rates at online banks. That said, a local credit union currently offers the highest interest rate on a savings account overall. You may get 6.17% APY on up to $1,000 in your savings if you join Digital Federal Credit Union. Membership, however, is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. </p><h2 id="what-is-a-good-interest-rate-on-a-savings-account?" data-toc-label="What is a Good Interest Rate on a Savings Account?" class="toc-anchor">What is a Good Interest Rate on a Savings Account?</h2><p>The <a href="https://www.businessinsider.com/personal-finance/banking/average-savings-account-interest-rate" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/average-savings-account-interest-rate">average savings account</a> in the United States offers 0.43% APY.</p><p>If you're more comfortable banking with a brick-and-mortar bank, a traditional savings account might be a better option for you. Just know that you may not be getting the best possible interest rate because online banks and <a href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-credit-unions">credit unions</a> usually offer higher rates.</p><h2>Applying for a High-Yield Savings Account</h2><p>Once you're ready, you can apply for a high-yield savings account online. Typically, the bank will specify whether you can apply for individual and joint bank account, and if there are any age requirements to open a high-yield savings account. Some banks will only let you open a high-interest savings account if you're at least 18 years old. </p><p>The application for opening a savings account requires basic information and proof of identity like your full name, home address, and job information. Online forms also generally require your Social Security number and driver's license information, although some banks let you use an Individual Taxpayer Identification Number instead of a Social Security number. You might also need to share copies of these documents if a bank asks for it. Some permit an alternative ID if you don't have a U.S. ID, like a foreign passport or Matricula Consular.</p><p>Once you're approved to open an account, you'll be able to deposit money to a high-yield savings account. Some banks don't require an initial deposit, but if yours does, you can link an external bank account and make an <a href="https://www.businessinsider.com/personal-finance/banking/ach-transfer" data-analytics-product-module="body_link" rel="">ACH transfer</a> as a funding method. If you choose an in-person bank, you might be able to deposit money at a branch as a funding method.</p><p>If you'd like to have help opening a savings account, you can generally open a savings account at an in-person bank branch if your bank has it, or you can open an account over the phone.</p><h2>Maximizing Your Earnings with High-Yield Savings Accounts</h2><p>To maximize your earnings with a high-yield savings account, shop around to find one that pays a high rate and doesn't charge monthly service or excess withdrawal fees for taking money out regularly. You may find it helpful to set up automatic transfers from your checking account to your high-yield savings account. If you receive your paycheck as a direct deposit, you can also ask your employer to send a percentage of your paycheck to your high-yield savings account each pay period. As your balance grows with automatic savings and direct deposits, you'll earn more interest.</p><h3>Strategies for Consistent Savings</h3><p>If you're looking for ways on <a href="https://www.businessinsider.com/personal-finance/banking/how-to-save-money" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/how-to-save-money">how to save money</a> and be more consistent with your habits, consider the following tips: </p><ul><li><strong>Set savings goal. </strong>Creating a financial goal can be a helpful way to make saving money more tangible. To make a good saving goal, you should be precise instead of vague. Have a clear purpose for your goal, attach a dollar amount, and set a timeframe for when you want to achieve your goal.</li><li><strong>Automate your savings. </strong>Some financial planners recommend setting up automatic transfers from your checking account so that after every paycheck, you have some money moved to your savings account. This is often called the <a href="https://www.businessinsider.com/personal-finance/banking/pay-yourself-first" rel="" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/pay-yourself-first">pay yourself first strategy</a> since you're prioritizing saving money over spending. </li><li><strong>Adapt a budgeting strategy. </strong>You could also use a budgeting method like the <a href="https://www.businessinsider.com/personal-finance/banking/50-30-20-rule" rel="" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/50-30-20-rule">50/30/20 rule</a> if you want more structure to your money management. The 50/30/20 rule splits your after-tax income so 50% goes to needs, 30% goes to wants, and 20% goes to savings and debt. There are other rules that split your after-tax income into different percentages and criteria, or you can also do your own spin on a rule so it matches your lifestyle and circumstances.</li></ul><h3>Avoiding Common Pitfalls on Savings Accounts</h3><p>A savings account's purpose is to give you a safe place to save money over time. If you're racking up bank fees or having a tough time managing your account, then your savings account isn't serving you. Write down the pros and cons of your current savings account, and explore other options to see if you can find a better fit.</p><p>Another thing to keep in mind is that savings accounts aren't necessarily the best place to keep money for long-term financial goals. If you have a long-term goal and are comfortable taking on some risk, you can earn higher returns if you <a href="https://www.businessinsider.com/personal-finance/investing/how-to-buy-stock" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/investing/how-to-invest-in-stocks" rel="">invest in stocks</a>.</p><p>Once you have a savings account, don't forget that you'll need to report your interest as taxable income to the Internal Revenue Service when you're filing your tax return. You'll have to file a Form 1099-INT, which will ask you to report your interest earnings during the year.</p><h2 data-toc-label="HYSA Rates and the Federal Reserve" id="hysa-rates-and-the-federal-reserve" class="toc-anchor">HYSA Rates and the Federal Reserve</h2><h3>How The Federal Reserve Affects Savings Rates</h3><p>The <a href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-reserve" data-analytics-product-module="body_link" rel="">Federal </a><a href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-reserve" target="_blank" rel="noopener" data-analytics-product-module="body_link">Reserve </a>is the central banking system of the U.S. It sets its own interest rates based on current economic conditions, taking into account things like inflation and employment. It meets several times a year, and when it meets, it announces whether it's decided to raise interest rates, lower interest rates, or keep interest rates the same.</p><p>Whatever the Fed does, banks and credit unions usually follow suit. If the Fed lowers rates, you're likely to see lower savings account rates, but if it raises its rates, then you're likely to see higher savings rates too.</p><h3>How HYSA Rates Have Changed</h3><p>Savings rates hit a historic high in 2023 following years of the Fed raising rates, topping out around 5.5% APY. In comparison, between 2014 and 2021, the highest the Fed ever set its rates was 2.5%. Historical savings rates follow similar patterns to historical Fed rates.</p><p>In late 2024, the Federal Reserve lowered rates for the first time after closing in on rate of inflation and unemployment targets. Since then, the Fed has lowered rates again. While rates are still high — Fed rates are currently targeted at 4.5% to 4.75% — we're likely to continue seeing interest rate decline in the coming years.</p><h3>What to Do When Your High-Yield Savings Account Rate Drops</h3><p>Interest rates on high-interest savings accounts closely follow the federal funds rate. This means rates are variable and can change several times per year at the whim of the Federal Reserve. Keeping track of when the <a href="https://www.businessinsider.com/personal-finance/banking/when-is-the-next-fed-meeting" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/when-is-the-next-fed-meeting">next Fed meeting</a> will happen and whether rates can change can help you better understand fluctuations in high-yield savings account rates.</p><p>If the interest rate on your savings account drops significantly, you may decide to look at other financial institutions to see if you can find a more competitive interest rate elsewhere. Typically, online banks and credit unions offer the highest interest rates for savings accounts. However, bear in mind that changing accounts may not be worth the effort, particularly if your new account's rate drops afterward.</p><p>You also might consider other types of savings account options. For example, buying savings bonds or comparing <a href="https://www.businessinsider.com/personal-finance/banking/cds-vs-high-yield-savings" data-analytics-product-module="body_link" rel="">CDs vs high-yield savings accounts</a> may be worth doing if you've already established your emergency fund. </p><h2>Alternatives to High-Yield Savings Accounts</h2><h3><strong>High-Yield Savings Accounts vs. CDs</strong></h3><p>The <a href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now">best CD rates</a> are comparable to the best high-yield savings account rates. You might prefer a CD if you want to lock in a high rate for a set period of time, since CDs offer fixed rates. You won't risk your rate decreasing as you would with a savings account. But CDs offer less flexibility.</p><p>You can't put more money into a CD after the initial opening deposit, and you'll pay a penalty if you take out money before the term ends. So, if you open a <a href="https://www.businessinsider.com/personal-finance/banking/best-3-year-cd-rates" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-3-year-cd-rates">3-year CD</a>, you won't be able to take your money out of the CD until three years have passed without paying early withdrawal penalties.</p><p>That being said, something like a <a href="https://www.businessinsider.com/personal-finance/banking/cd-ladder" data-analytics-product-module="body_link" rel="">CD ladder</a>, which is where you buy multiple CDs with different term lengths, could give you more liquidity while still letting you lock in good rates.</p><p>If you're trying to decide between CDs versus high-yield savings accounts, your choice could come down to when you need to deposit and/or withdraw money. (We also have a full explanation of how <a href="https://www.businessinsider.com/personal-finance/banking/no-penalty-cd-vs-savings-account" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/no-penalty-cd-vs-savings-account">no-penalty CDs compare to savings accounts</a>.)</p><h3><strong>High-Yield Savings Accounts vs. Money Market Accounts</strong></h3><p><a href="https://www.businessinsider.com/personal-finance/banking/what-is-a-money-market-account" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/what-is-a-money-market-account">Money market accounts</a> are similar to high-yield savings accounts, but they typically make it easier to access your savings. The best money market accounts come with features checking accounts might have, such as an ATM card, debit card, or paper checks.</p><h3><strong>High-Yield Savings Accounts vs. High-Yield Checking Accounts</strong></h3><p>The <a href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-checking-accounts" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="80" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/best-high-yield-checking-accounts">best high-yield checking accounts</a> are great tools for earning even more interest on your money. But checking account balances are often lower than savings account balances because you use them to spend money. If you're serious about using interest to grow your balance, a high-yield savings account is usually the better bet.</p><h2 data-toc-label="High-Yield Savings Account FAQs" id="high-yield-savings-account-faqs" class="toc-anchor">High-Yield Savings Account FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What does APY mean?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer"><a href="https://www.businessinsider.com/personal-finance/banking/what-is-apy" data-analytics-product-module="body_link" rel="">APY</a> stands for annual percentage yield. The APY of a savings account will tell you how much money you'll earn in a year, factoring in compound interest. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the top high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Digital Federal Credit Union currently is the top high-yield saivngs account for earning interest. It pays 6.17% APY on balances up to $1,000. Credit Union membership is limited to people who live in select areas of Massachusetts, live in a New Hampshire participating condominium community, work for a Select Employer Group, or belong to a local participating organization. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How high will savings interest rates go in 2024? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Savings account rates peaked in early 2024. The Fed cut rates twice in a row at its September and November Fed meetings, and the <a href="https://www.businessinsider.com/personal-finance/banking/savings-rate-forecast" data-analytics-product-module="body_link" rel="">savings rate forecast for 2024</a> also indicates rates are expected to decline for the rest of the year.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can you lose money in a high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">It's safe to keep all of your money in a high-yield savings account if your balance is $250,000 or less (for an individual account) or $500,000 or less (in a joint account). The FDIC and NCUA insure up to $250,000 per owner, per category. So <a href="https://www.businessinsider.com/personal-finance/banking/what-happens-if-my-bank-fails" data-analytics-product-module="body_link" rel="">if your bank fails</a>, all of your insured money would be safe. If you have more than the FDIC or NCUA would insure, consider opening a second account at another institution or investing some money if it makes sense for you.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much will $10,000 make in a high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Many high-yield savings accounts offer an APY of 5% or higher. With a 5% APY, you would have $10,500 in your account at the end of one year.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the benefits of a high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The benefits of a high-yield savings accounts are that you can earn a high interest rate on your money while still being able to access it if you need to. Your money is also safe in a high-yield savings account, as it is FDIC-insured up to $250,000 for a single-owner bank account and $500,000 for a joint-owner account.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any fees associated with high-yield savings accounts?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Some fees associated with high-yield savings accounts include monthly maintenance fees, excess transaction fees, paper statement fees, and inactivity fees.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I choose the best high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can choose the best high-yield savings account for you by analyzing fees, customer service availability, online and mobile banking features, and other features that impact your overall banking experience. It may also help you to think about whether you are interested in potentially getting other bank accounts or services in the future.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I access my money easily with a high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Accessing money in a high-yield savings account depends largely on where you bank. Some banks let you easily access money because they have physical locations or offer multiple ways to make deposits or withdrawals. Others might not offer many ways to access your money, so you'll have to rely a lot on transferring money to external bank accounts, which can be tedious.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much will $1,000 make in a high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best high-yield savings accounts pay at least 4.60% APY. In one year, 4.60% APY on $1,000 would add around $46 to your account.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Which bank has the best high-yield savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Which bank offers the best high-yield savings account for you will largely depend on what you need from a bank. Currently, Digital Federal Credit Union offers the highest APY for a high-yield savings account, but it only offers that rate for the first $1,000 in the account. If you want to put more in your high-yield savings account, you might want to consider banks like BrioDirect.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does the interest rate on my savings account change? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, the interest rate on your savings account will most likely change. Interest rates on savings accounts are variable, meaning they can and will change regularly and without advance notice. These fluctuations are based on the federal funds rate, which is set by the Federal Reserve.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are high-yield savings accounts still worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, high-yield savings accounts are still great places to store your extra money or emergency funds. With high-yield savings accounts you're making money on your savings with low risk and easy access.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I set up direct deposit for my savings account? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, you can set up <a href="https://www.businessinsider.com/personal-finance/banking/direct-deposit" data-analytics-product-module="body_link" rel="">direct deposit</a> to your savings account. You can typically have your paycheck, or a portion of your paycheck, deposited directly into savings, or you can set up recurring automatic deposits from checking into savings. To do this, you can call or visit a branch (if your bank has physical locations) or log into your bank's website or app.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: Experts' Advice on Choosing the Best High-Yield Savings Account</h2><p>We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best high-yield savings accounts for your needs.</p><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 433 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/65f30d7d3037f8e81750540e"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65f30d7d3037f8e81750540e":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":433}}" alt="PFI Banking Expert Panel (updated Mar 2024); (from left to right) Tania Brown; Roger Ma; Sophia Acevedo; Mykail James"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> BI </span> </span> </figure><ul data-stringify-type="unordered-list" data-indent="0"><li>Tania Brown, CFP® professional, vice president of coaching strategy at <a href="https://www.ofcolor.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.ofcolor.com/">OfColor</a></li><li>Roger Ma, CFP® professional and author of <a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=c06c74e8a7665b1ce244e8544a51ec45e0c2cc8e57351c67317c1e05e118308d&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F%3Ftag%3Dbisafetynet2-20" target="_blank" rel="noopener nofollow sponsored noindex" data-analytics-post-depth="20" data-amzn-asin="1119600367" data-ml-dynamic="true" data-ml-dynamic-type="sl" data-orig-url="https://affiliate.insider.com/?amazonTrackingID=biauto-10667-20&postID=5ee13f8c19182416562d68a6&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F%3Ftag%3Dbisafetynet2-20&platform=browser&sc=false&disabled=false&tag=bisafetynet2-20" data-ml-id="4" data-ml="true" data-xid="fr1677770279473iei" data-skimlinks-tracking="xid:fr1677770279473iei" data-am-orig-url="https://affiliate.insider.com/?h=c06c74e8a7665b1ce244e8544a51ec45e0c2cc8e57351c67317c1e05e118308d&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F">"Work Your Money, Not Your Life"</a></li><li>Sophia Acevedo, banking editor, Business Insider</li><li>Mykail James, MBA, certified financial education instructor, <a href="https://www.boujiebudgets.com/" target="_blank" rel="noopener nofollow" data-analytics-post-depth="20">BoujieBudgets.com</a></li></ul><p>Here's what our expert panel had to say about high-interest savings accounts. (Some text may be lightly edited for clarity.)</p><p><strong>Generally, what makes a high-yield savings account good or not good?</strong></p><p><strong>Roger Ma, CFP® professional with and author of<a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71371-20&h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&platform=browser&postID=669ede72c79d31931d8106ed&postSlug=personal-finance%2Fbanking%2Fbest-high-yield-savings-accounts-rates-right-now&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F" target="_blank" rel="noopener nofollow sponsored noindex" data-analytics-post-depth="100" data-uri="71c4f912e4eed2312254717020ecb998" data-analytics-module="body_link" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=31bf466b879811c2fa77c6601e65e34a67cd14e5357f9b75981603fa93963772&u=https%3A%2F%2Fwww.amazon.com%2FWork-Your-Money-Not-Life%2Fdp%2F1119600367%2F">"Work Your Money, Not Your Life"</a>:</strong></p><p>"It might not be as seamless to get your money out of an online savings account as it is a brick-and-mortar, but you don't want to have so much friction where it's such a pain to get the money out when you need it."</p><p><strong>Mykail James, MBA, certified financial education instructor, <a href="https://www.boujiebudgets.com/" target="_blank" rel="noopener nofollow" data-analytics-post-depth="100" data-uri="2cf30a6077693f0e2adb1334f9258693" data-analytics-module="body_link" data-analytics-product-module="body_link">BoujieBudgets.com</a>:</strong></p><p>"Anything with a fee is not a good high-yield savings account. Anything that restricts how much you can save is, to me, not very good. If I can't save more than $10,000 in this account, and then I have to move it over somewhere else — to me, that's not a really good savings account, because it's not really prepared to help me expand and grow, which is what a savings account is supposed to do. I also look at interest rates, definitely. I look to see when the interest is paid. Is it quarterly, or is it monthly? How often do they pay out interest, and what are the interest rate stipulations?"</p><p><strong>Sophia Acevedo, banking editor, Business Insider:</strong></p><p>"I would consider looking for features that will help manage your account. Some banks have high-yield savings accounts that let you separate your savings into individual goals and track your progress. Other financial institutions will let you deposit cash at ATMs or some retailers. A good high-yield savings account will likely be an account where you can grow your savings without unnecessary hassles."</p><p><strong>How should someone decide whether to put their money in a high-yield savings account, money market account, or CD?</strong></p><p><strong>Tania Brown, CFP® professional, vice president of coaching strategy at <a href="https://www.ofcolor.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.ofcolor.com/">OfColor</a>:</strong></p><p>"So I guess we'll start off with how much money you want to put in and the level of transactions you want to have. If you want to have any transactions, that automatically takes out CDs. Then you're stuck between the high-yield savings and the money market account."</p><p><strong>Sophia Acevedo, Business Insider:</strong></p><p>"I would create a list of what I prioritize most in a bank account. For example, some banks have accounts that charge monthly service fees. I would look to see what the requirements are for waiving the monthly service fee and whether I think I could feasibly meet those requirements each month. If I'm searching for an interest-earning bank account, I'll pay attention to interest rates. I would make sure the account pays a higher interest rate than the average bank account."</p><h3><strong>Our Methodology: How We Chose the Best Savings Accounts</strong></h3><p>There are many high-yield savings accounts available across financial institutions. Through our research, we've found that the best high-yield savings accounts are offered by banks with a strong online presence, robo-advisors, and other internet-only financial companies. If you're more comfortable banking with a national brick-and-mortar bank, you'll likely have to consider a premium savings account to earn a more competitive interest rate.</p><p>Business Insider's personal finance team is editorially independent, meaning that the business team doesn't tell the team's writers and editors what to write. You can learn more about how we review products through our <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">editorial standards page</a>. </p><p>We review savings accounts at nearly three dozen institutions weekly to identify the strongest options. While interest rates (specifically, APY) are an important aspect of any savings account, we also consider minimum deposits and balance requirements, transfer limitations, and any other standout features.</p><p>We rate bank products on a scale from zero to five stars, with one star being the lowest rating, three stars being an in-between rating, and five stars being the highest rating possible. See our <a href="https://www.businessinsider.com/personal-finance/banking/methodology" rel="" data-analytics-product-module="body_link" data-mrf-link="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-post-depth="100">bank account methodology</a> to learn more about how we rate savings accounts.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/best-high-yield-savings-accounts-rates-right-now-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better.</span><span>Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.</span><span><span class="headline-semibold">Experience</span></span><span>As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. </span><span>Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.</span><span><span class="headline-semibold">Expertise</span></span><span>Evelyn is an expert in the following areas:</span><ul><li><span>Compliance</span></li><li><span>Quality assurance</span></li><li><span>Affiliate marketing</span></li><li><span>Search engine optimization (SEO)</span></li><li><span>Content strategy</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.</span><span>Evelyn has two dogs, Money and Tibber.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="kit-pulliam"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" alt="A person with a shaved head and black glasses smiles at the camera. They have a dark blue collared shirt on."> <noscript> <img src="https://i.insider.com/65a6ccbc43bb77284b9d6b28?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/kit-pulliam" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Kit Pulliam</div> </a> <div class="post-author_title headline-regular">Banking reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years. <span class="headline-semibold">Experience</span></span><span>In college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter.</span><span>Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.</span><span>They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.</span><span>As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.</span><span>Their work has been featured in Business Insider and MSN. They were part of the <a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a> series with Business Insider.<span class="headline-semibold">Expertise</span></span><span>Their expertise includes:</span><ul><li><span>Certificates of deposit</span></li><li><span>Savings accounts</span></li><li><span>Checking accounts</span></li><li><span>CD rates</span></li><li><span>Bank reviews</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Kit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis.</span><span>Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>*Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</em></p> <p style="font-size:14px;"><em>**Rate are determined by balance tiers and amount deposited. Earn 4.80% APY with balances over $250,000 and 4.50% APY for balances under $250,000.</em></p> <p style="font-size:14px;"><em>***0.25% APY on balances under $5,000. Rates as of 11/13/2024. CIT Bank is a division of First-Citizens Bank & Trust Company, a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category. Deposits held under the names First Citizens Bank & Trust Company and CIT Bank are not separately insured but must be combined for purposes of determining whether a depositor has exceeded the federal insurance deposit limit.</em></p> <p style="font-size:14px;"><em>****The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.</em></p> <p style="font-size:14px;"><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 http://www.sofi.com/legal/banking-rate-sheet. </em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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