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- Best Overall High-Yield Savings Account
Capital One 360 Performance Savings
High-Yield Savings Accounts
Fee-free online savings option that applies the same competitive yield to every balance and can be opened in minutes with full round-the-clock digital access.
- APY
- 3.00%
- Minimum Deposit
- Minimum Balance for APY
- $0
- Bonus Offer
- Best For
- Same APY on all balances
- No monthly cycle service charge
- No minimum balance to open or keep
- 24/7 account access
- Best for combined checking and savings
SoFi Checking and Savings
High-Yield Savings Accounts
Single account that pairs checking with savings, higher yields tied to eligible direct deposit, early paycheck access, and no monthly or overdraft fees.
- APY
- Up to 3.10% APY with direct deposit requirement
- Minimum Deposit
- $0
- Minimum Balance for APY
- $0
- Bonus Offer
- Up to $400
- Best For
- Combined checking and savings
- Up to 3.80% APY with 0.70% boost for up to 6 months
- Cash bonus of $50 or $400 with qualifying direct deposits
- No account, overdraft, or monthly fees
- Additional FDIC insurance up to $3 million
- Best for customer service
American Express® High Yield Savings
High-Yield Savings Accounts
Straightforward online savings with 24/7 phone support, a competitive flat rate, and no minimums or monthly fees, but no ATM card or cash deposits.
- APY
- 3.00%
- Minimum Deposit
- $0
- Minimum Balance for APY
- Bonus Offer
- Best For
- Customer service
- 3.00% APY
- No minimum deposit
- 24/7 customer service
- No monthly fees or withdrawal limits
- Best for consistently high savings rates
Synchrony High Yield Savings
High-Yield Savings Accounts
Long-standing competitive yielder that pairs a strong ongoing APY with an ATM card and limited fee reimbursement.
- APY
- 3.30% APY
- Minimum Deposit
- $0
- Minimum Balance for APY
- $0
- Bonus Offer
- Best For
- Consistently high savings rates
- Historically steady top-tier rates
- No minimum balance or monthly fees
- ATM card with $5 fee reimbursement per cycle
- Access to 55,000+ fee-free ATMs
- Best for no minimum deposit
Barclays Tiered Savings Account
High-Yield Savings Accounts
Tiered savings that currently pays one strong rate on balances below $250,000, opens with no deposit, and charges no monthly maintenance fee.
- APY
- 3.50%
- Minimum Deposit
- $0
- Minimum Balance for APY
- $0
- Bonus Offer
- N/A
- Best For
- No minimum deposit
- 3.50% APY
- No minimum deposit required to open
- No monthly maintenance fees
- Interest can post on balances earning at least $0.01
- Best for cash access
UFB Portfolio Savings Account
High-Yield Savings Accounts
High-yield option with a large fee-free ATM network for cash withdrawals and deposits, no direct-deposit requirement, and no monthly fees or minimums.
- APY
- Up to 3.26%
- Minimum Deposit
- $0
- Minimum Balance for APY
- $0
- Bonus Offer
- N/A
- Best For
- ATM access
- Up to 3.26% APY
- No minimum deposit or monthly maintenance fees
- Access to 91,000 fee-free ATMs
- Supports cash deposits
- Best for frequent depositors
Happen Bank LevelUp Savings
High-Yield Savings Accounts
Highest listed rate requires at least $250 in total deposits per evaluation period; otherwise a still-competitive standard rate applies, with unlimited ATM fee rebates.
- APY
- 4.40% (as of 05/12/25)
- Minimum Deposit
- $0
- Minimum Balance for APY
- Bonus Offer
- Best For
- Frequent depositors
- 4.40% (as of 05/12/25)
- Standard rate of 3.00% without qualifying deposits
- Unlimited ATM fee rebates
- No monthly fee or minimum balance
- Best for smaller balances
Varo Savings Account
High-Yield Savings Accounts
Requires a linked Varo Bank Account and pays its top rate only on the first $5,000 when monthly qualifying direct deposits reach $1,000.
- APY
- Up to 3.75% (as of 07/15/26) APY with direct deposit requirement
- Minimum Deposit
- $0
- Minimum Balance for APY
- Bonus Offer
- Best For
- Smaller balances
- Up to 3.75% (as of 07/15/26) on up to $5,000
- 2.50% (as of 02/23/26) lower rate
- No monthly fees or minimum balance requirements
- Cash deposits through participating retailers
- Best for consistently high savings rates
Synchrony Bank High Yield Savings
High-Yield Savings Accounts
Long-competitive online savings that includes an ATM card with limited fee reimbursement and carries no minimum balance or monthly fees.
- APY
- 3.30%
- Minimum Deposit
- $0
- Minimum Balance for APY
- $0
- Bonus Offer
- N/A
- Best For
- Consistently high savings rates
- 3.30% APY
- No minimum deposit or monthly fees
- $5 ATM fee reimbursement per cycle
- Access to 55,000+ fee-free ATMs
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