Best high-yield savings rates

Requirements

Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.

Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY when eligibility requirements are met.

Requirements

Product: Account must be funded within 90 days of opening to remain open. Enhanced FDIC coverage available up to $500,000 for individual accounts ($1M for joint).

Offer: Limited-time promotional boosted rate fixed for 6 months for new accounts opened between September 22, 2026 and January 10, 2027. Max balance eligible is $10,000,000; after 6 months rate reverts to standard APY.

Requirements

Product: Higher account balances earn higher interest.

Offer: The APY is variable and may change at any time after the account is opened without prior notice. A $15 monthly maintenance fee will be assessed if the daily balance falls below $5,000 on any day during the statement cycle.

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: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.

Offer: Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.

Requirements

Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.

Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.

Requirements

Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.

Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.

Requirements

Product: Variable rate savings account. No minimum balance to open or maintain. $10 monthly fee if receiving paper statements; no monthly fee when enrolled in eStatements.

Offer: Tier 1 balance rate. $10 monthly fee if receiving paper statements; waived with eStatements.

Requirements

Product: Tiered rate account; specified dividend rate applies only to the portion of the balance within that tier. Available only to new members of the credit union (one account per new member). 4.00% APY is valid for the first year of membership only, after which regular savings rates apply. Minimum balance to earn dividends is $100.

Offer: Promotional rate of 4.00% APY applies to the first $10,000 for the first year of membership only. Minimum opening deposit $500. Minimum balance to earn dividends is $100.

Requirements

Product: Exclusive online. Must be 18 years or older, U.S. citizen or resident with SSN. Minimum average daily balance of $5,000 to waive $6 monthly service charge. If minimum daily balance falls below $5,000, rate adjusts to Carver Savings. Interest compounded daily, credited monthly.

Offer: Exclusive online. Rate adjusts to Carver Savings if minimum daily balance falls below $5,000. $6 monthly fee waived with average daily balance of $5,000.

Requirements

Product: Minimum opening deposit $100. No maintenance fee. Interest is compounded daily and credited monthly. Rates accurate as of October 5, 2026.

Offer: Tiered balance applies. Maintain stated daily balance to obtain disclosed APY.

Requirements

Product: Online-only product. Must have Hana Bank USA checking account to receive promotional APY.

Offer: $10 monthly service charge waived if average daily balance of $500 is maintained. Must have Hana Bank USA checking account to receive promotional APY.

Requirements

Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.

Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.

Requirements

Product: Minimum opening deposit of $25. Limit one account per tax ID. Membership eligibility applies. No monthly maintenance fees.

Offer: Applies to the first $15,000 on deposit (average balance).