Best High-Yield Savings Accounts of 2026
Compare online savings accounts earning 4.60% APY with zero fees, zero minimums, and FDIC protection. We reviewed 30+ banks to find the best rates for your emergency fund.
Top Rates at a Glance
Quick view of the highest APY rates and best features available right now. Full reviews below.
Full Reviews: Best HYSA Banks
Capital One 360 Money Market
Pros
Industry-leading 4.60% APY, no minimum balance, $0 monthly fee, FDIC insured to $250K, instant transfers via ACH
Cons
Requires Capital One 360 checking for some features, limited in-person banking, transfer speeds vary by bank
Marcus by Goldman Sachs
Pros
4.52% APY on HYSA, no monthly fees, no minimum balance, strong rates, FDIC insured, fast online account setup
Cons
No checking account, limited to online transfers, fewer ATM options, modest customer service reputation
Ally Bank HYSA
Pros
4.50% APY, no fees or minimums, pairs with checking account, excellent customer service, mobile app rated highly
Cons
Slightly lower rate than Capital One, no ATM card for HYSA, ACH transfers take 1-2 days
American Express HYSA
Pros
4.48% APY, no minimum balance, instant transfer via Amex app if you have Amex card, FDIC insured
Cons
Lower rate than competitors, requires Amex debit/credit card for instant transfers, newer product with less history
Discover Online Savings
Pros
4.35% APY, $0 minimum and monthly fee, FDIC insured, can open in minutes, competitive rates, Discover ATM network
Cons
Lower APY than top competitors, limited transfer speeds, Discover has smaller ATM network than major banks
SoFi Money Savings
Pros
4.28% APY, no fees, part of full SoFi banking ecosystem, strong mobile app, fast transfers between SoFi accounts
Cons
Lower APY than top competitors, SoFi FDIC protection shared across all deposits, customer service reviews mixed
Side-by-Side Comparison
How the top four high-yield savings accounts stack up on rates, fees, and features.
| Feature | Capital One 360 | Marcus | Ally Bank | American Express |
|---|---|---|---|---|
| APY Rate | 4.60%Best | 4.52% | 4.50% | 4.48% |
| Minimum Balance | $0 | $0 | $0 | $0 |
| Monthly Fee | $0 | $0 | $0 | $0 |
| FDIC Insurance | Yes ($250K) | Yes ($250K) | Yes ($250K) | Yes ($250K) |
| Transfer Speed | 1 day | 1-2 days | 1-2 days | Instant*Best |
| Mobile App Rating | 4.7/5 | 4.6/5 | 4.8/5 | 4.5/5 |
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How We Picked These Banks
Our banking team evaluates every major HYSA offered by online and traditional banks. We measure APY rates, minimum balance requirements, monthly fees, transfer speeds, FDIC protection, and customer service quality. We exclude banks with hidden fees or complex requirements.
All rates shown are current as of April 2026. APY is variable and may change at any time. We update this page weekly to reflect the latest rates. Every account on this list is FDIC-insured and available to U.S. residents. Rates and terms are accurate as of the publish date but may have changed — verify before opening.
We focus on accounts suitable for emergency funds and short-term savings. If you want to lock in a fixed rate for a longer term, consider a certificate of deposit (CD) instead.
High-Yield Savings FAQs
Common questions about HYSA rates, how they work, and how to maximize your savings.
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