Your numbers
What matters most
Our pick for you
Marcus by Goldman
Top unconditional rate among the major online banks — no direct-deposit hoops, no tiers. No checking or debit card; it's a pure savings account.
Annual interest on $10,000
$340.00
vs. the national 0.38% average
+$302.00/yr
All accounts
Ranked by APY
Rates as of 2026-08-07 · check provider for current APY
Synchrony High Yield Savings
FDIC insured · No monthly fees
3.30%
$330.00/yr
ATM card available
Wealthfront Cash
FDIC insured · No monthly fees
3.30%
$330.00/yr
Up to $8M FDIC via partner banks
Ally Online Savings
FDIC insured · No monthly fees
3.00%
$300.00/yr
Buckets for subgoals
Capital One 360 Performance
FDIC insured · No monthly fees
3.00%
$300.00/yr
Physical Cafés
Rates change weekly. The sorted order above reflects today's published APYs; the personalized pick above is keyed to your priority, not just the top rate.
How much more does a high-yield savings account actually pay?
On a $10,000 balance, a high-yield account at 3.40% APY (the top no-minimum rate among major online banks we verified August 2026) earns about $340 a year, versus roughly $38 at the 0.38% FDIC national savings average — a $302-a-year difference for the same money with the same FDIC insurance. Rates are variable and move with the Fed; verify the current APY before opening.
$340/yr
At 3.40% APY
$38/yr
At national avg
+$302/yr
Extra earned
$10,000
On balance
Frequently asked questions
How we rank these
APY is the headline — not the whole story
We show APY first because it's the most comparable number. But the top-APY account isn't always the right account — SoFi's headline rate needs direct deposit, Wealthfront pairs with investing, Ally's buckets beat a single pile of cash.
FDIC insurance is non-negotiable
Every account on this list carries FDIC (or NCUA) coverage up to standard limits — $250K per depositor, per institution, per ownership category. Wealthfront goes further, spreading deposits across partner banks for multi-million coverage.
Your priority picks — not the top line
The recommendation above reflects what YOU said matters. Highest APY, simplest account, branches you can walk into, goal-organizing buckets, or an all-in-one bundle — each routes to a different pick.