Best high-yield savings rates

2 ways to earn 6.00%

Product: Funds held at Cross River Bank, Member FDIC, with cash sweep program providing up to $10M aggregate FDIC insurance. Not available to New York residents for APY, interest, or interest boosts. No minimum balance requirement for interest, but minimum monthly interest payment is $0.01.

No paid plan: Boosted rate applies when you receive Qualifying Deposit of $1,000 or more within a trailing 34 day period into your Stored Value Account (direct deposit via ACH with SEC code = PPD or X Creator payout). Available to Free or Plus / legacy Basic, Premium, or no subscription users. New York residents do not obtain APY or interest boosts. Minimum monthly interest payment is $0.01.

With Premium: Standard rate for subscribers to the Premium, Super, or Ultra plan on The X Subscription, or legacy X Premium+ subscribers. New York residents do not obtain APY or interest. Minimum monthly interest payment is $0.01.

Requirements

Product: Offered as part of the Axos ONE checking and savings bundle. No monthly maintenance, minimum balance, opening, or overdraft fees. Access up to $2.5M expanded FDIC insurance via Axos Insured Deposit Program.

Offer: Limited-time APY Boost available to new customers who open a new Axos ONE bundle between 10/01/2026 and 10/31/2026, meet Option 1 or Option 2 checking requirements during the Qualification Period, and maintain an average daily balance of $249,999.99 or less in Axos ONE Savings. Boost of 0.79% results in total 5.00% APY on the first $49,999.99 for the first 6 statement cycles. Customers who previously held any account with Axos Bank or UFB Direct are not eligible.

Requirements

Product: When opening a SoFi Savings Account, SoFi Bank automatically opens a SoFi Checking Account. No account, service, or maintenance fees. No minimum balance requirement.

Offer: Limited-time 1.10% APY Boost to the current Savings APY of 3.30% for new SoFi Checking and Savings members for up to 6 months. Requires opening first SoFi Checking and Savings account between 10/20/2026 and 12/31/2027 and receiving an Eligible Direct Deposit or $5,000 in Qualifying Deposits within 60 days, and maintaining it every 31 days. Applies to one savings account. Cannot be combined with other promotional rates or SoFi Plus 4.70% APY.

Requirements

Product: Must be 18 years or older, reside in the USA, have a valid Social Security Number, and provide a valid driver's license, state-issued ID, or US passport. Initial deposit can only be made via PLAID transfer or wire transfer (check deposits not accepted).

Offer: Variable rate subject to change at any time. Interest calculated daily and credited monthly on the 15th (or next business day). Minimum daily collected balance of $0.01 to earn disclosed APY.

Requirements

Product: Personal accounts only. Minimum opening deposit of $500 required. Available to U.S. citizens or resident aliens at least 18 years old with a valid U.S. residential address, active U.S. mobile phone number, smartphone with Openbank app as trusted mobile device, and home ZIP code within service area (all 50 U.S. states and D.C.). Account does not include checks or debit card functionality.

Offer: Introductory promotional APY Boost includes a 0.35% APY boost added to standard variable APY (currently 4.00%) for 6 months from account opening. Exclusively for new customers opening an eligible account during the promotional period. Standard variable APY remains variable and subject to change; if standard APY changes, boost continues to apply. After 6 months, rate reverts to standard variable APY. Accounts opened prior to 9/23/2026 are not eligible. Minimum deposit of $500 required.

Requirements

Product: No monthly fees, no minimum balance. Elevault Portfolio and banking services is a product of Southern Bancorp, Member FDIC.

Offer: Interest is paid daily on balances up to $500,000. Interest rate is variable and subject to change at any time. Daily deposit limit is $2,500. Start with $1 and earn the same top-tier rate as someone saving $100,000.

Requirements

Product: Advertised APY is for new accounts only. Limit of one Envision High Yield Savings account per customer. Variable-rate account, APY subject to change without notice. Must fund account within 90 days of opening or account will automatically close. Opening funds subject to a 5-business day hold. For consumers aged 18 and over.

Offer: Advertised APY is for new accounts only. Limit of one account per customer.

Requirements

Product: Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Not a bank; funds deposited at Program Banks and FDIC-insured up to $4M individual / $8M joint. No account fees.

Offer: Base APY of 3.50% plus 0.75% APY boost on balances up to $1M for new clients with a qualifying deposit. Guaranteed through February 15, 2027. Variable APY; if base APY changes, boosted APY will change. $10 minimum deposit for base APY.

Requirements

Product: Offered as part of the Axos ONE checking and savings bundle. No monthly maintenance, minimum balance, opening, or overdraft fees. Access up to $2.5M expanded FDIC insurance via Axos Insured Deposit Program.

Offer: Promotional rate earned for the statement cycle on the portion of balance up to $249,999.99 when Axos ONE Checking meets Option 1 (monthly qualifying direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (monthly qualifying deposits >= $5,000 and average daily balance >= $5,000) during the Qualification Period.

Requirements

Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.

Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.

Requirements

Product: Account earns the LevelUp Rate for the first two statement cycles after opening; requires cumulative deposits of at least $250 per statement cycle (Evaluation Period) starting in the third statement cycle to maintain the LevelUp Rate, otherwise earns the Standard Rate. Subject to closure if inactive with a zero balance for 3 months.

Offer: Requires cumulative deposits of at least $250 during the previous statement cycle (Evaluation Period). All accounts automatically earn this rate through the first two statement cycles.

Requirements

Product: Minimum daily balance of $0.01 to obtain APY. ZYNG feature rounds up debit purchases and matches up to 100% based on balance conditions.

Offer: Minimum daily balance of $0.01 to obtain APY.

Requirements

Product: Must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest rate and APY may change at any time after account is opened. No minimum deposit required to open this account. There is no monthly maintenance service charge, regardless of your balance. Interest is compounded daily and credited monthly. No transaction limitations apply to this account.

Offer: Must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Interest rate and APY may change at any time after account is opened. No minimum deposit required to open this account.

Requirements

Product: Available only to verified acrew members. Minimum daily balance of $0.01 to obtain APY. Interest compounded daily and credited monthly.

Offer: Minimum daily balance of $0.01 to obtain APY.

Requirements

Product: Must be at least 18 years of age, a U.S. citizen or resident alien, have a valid U.S. SSN and a physical U.S. address. Sole or joint ownership accounts for individuals only. Rate is variable and may change after account opening. $100 opening deposit must be deposited in a single transaction. Zero monthly maintenance and incoming wire transfer fees.

Offer: Minimum of $100 is required and must be deposited in a single transaction. Rate may change after account is opened. Zero monthly maintenance fee.