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. Effective December 1, 2026, accounts eligible to earn 6.00% APY will earn that rate on the first $150,000 of deposits, with amounts greater than $150,000 earning 4.00% APY.

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. Effective December 1, 2026, eligible accounts earn 6.00% APY on the first $150,000 of deposits, and 4.00% APY on amounts greater than $150,000.

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. Effective December 1, 2026, eligible accounts earn 6.00% APY on the first $150,000 of deposits, and 4.00% APY on amounts greater than $150,000.

Requirements

Product: High-Yield monthly qualifications: A minimum of 12 debit card purchases of at least $3 each that must post by month-end, one online or mobile banking login per month, eStatements enabled, and one direct deposit of at least $500 per month. New membership must include a savings account with a minimum $25 opening deposit. Limit one Sky High Yield account per Social Security number. Cannot be combined with any other offers. Dividends calculated by average daily balance method.

Offer: Qualifying tier on portion of average daily balance up to $10,000 when monthly qualifications are met.

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: Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.

Offer: Requires 5 qualifying loans.

Requirements

Product: Available to new members age 18 or older (considered a new member for 30 calendar days following account opening). Must be accessed through online or mobile banking.

Offer: To earn 4.50% APY: enroll in eStatements, maintain an active Nuvision Checking Account (requires at least 10 qualifying debit card transactions during calendar month), and log in to online or mobile banking at least once during prior calendar month.

Requirements

Product: When you open a SoFi Savings Account, SoFi Bank automatically opens a SoFi Checking Account in your name. No account, service, or maintenance fees.

Offer: For new members to SoFi Checking and Savings who open their first account between 10/20/2026 and 12/31/2027 and receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits within 60 days. Includes a 1.10% APY Boost added to the 3.30% APY for up to 6 months. Must maintain Eligible Direct Deposit or $5,000 Qualifying Deposits every 31 days.

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 Uplift Bank, 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. Deposits held at Uplift Bank are FDIC-insured to at least $250,000 per Portfolio.

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.