Best high-yield savings accounts
The savings accounts we cover — from top-rate online banks to flexible cash accounts. Pick the one that matches how you like to save.
SoFi Checking & Savings
3.30% APY and up to a $400 welcome offer
Western Alliance Bank High-Yield Savings
Top-tier APY with no monthly fees, via Raisin
Betterment Cash Reserve
High yields and massive FDIC insurance limits
Capital One 360 Performance Savings
Top-tier APY with zero fees and no minimums
CIT Bank Platinum Savings
Up to 4.10% APY for 6 months with promo code CITBOOST
Live Oak Bank High-Yield Savings
A straightforward 3.80% APY with zero fees and no minimums
Ivy Bank High-Yield Savings
A 3.85% APY backed by a 192-year-old institution, with built-in budgeting tools
Quorum Federal Credit Union Term Savings
Lock in up to 4.20% APY with a fixed-term, NCUA-insured account
American Express® High Yield Savings
A reliable, fee-free 3.10% APY backed by premium 24/7 customer service
EverBank High-Yield Savings (via Raisin)
A top-tier 4.10% APY plus a cash bonus up to $1,200 through Raisin
Ally Bank Online Savings
Competitive APY with "buckets" to organize your money
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Synchrony Bank
3.50% APY with no fees or minimums
Raisin + Centier Bank
Up to $1,500 just for opening the account
Cash App Savings
Competitive yield and savings goals with no monthly fees
Gainbridge FastBreak Annuity
Lock in a guaranteed high yield with a fixed annuity
Truist One Savings
A foundational account to build your emergency fund
CIT Bank is the account I use right now for its limited-time rate boost, but the best account is the highest rate you will actually keep money in — SoFi and Ally are hard to beat for simple automation.