Best High-Yield Savings Accounts Top APY this week at BrioDirect — $5,000 min Range across our top 15 3.75%–4.20% APY All FDIC insured What you're leaving on the table First-year interest at the listed APY vs a typical big-bank savings rate of 0.01%. Compounding and rate changes will vary the exact figure. High-yield savings accounts (HYSAs) currently pay roughly 10–11× the national average savings rate of 0.37% (per the FDIC ). That means on a $25,000 emergency fund, the difference between a typical brick-and-mortar savings account and the top HYSA on this list works out to about $960 a year in passive interest . Below are our top picks for September 2026, ranked strictly by APY among FDIC-insured online banks — no editorial sponsorship and no “featured” tier paid by banks. APYs compiled from each bank's published rate pages and reputable rate trackers as of June 20, 2026. Rates change frequently and may have moved by the time you click through — always confirm the current APY on the bank's site before opening an account. How we ranked these accounts We ranked these accounts strictly by current APY among FDIC-insured online savings accounts available nationwide to new customers. We don't accept paid placement, we don't surface accounts behind a referral wall, and we don't bury low-fee accounts. We exclude: Promo-rate accounts that require maintaining balance tiers, direct deposit thresholds, or activity to keep the headline APY (we'll surface these in a dedicated section in a future update). State-restricted accounts (e.g., available only in certain ZIP codes). Accounts that aren't FDIC-insured (or for credit unions, NCUA-insured) at the institution level. If you spot a rate that's higher than what we have here, or a rate on this list that has changed since our last update, let us know and we'll re-verify within 24 hours. What is a high-yield savings account? A high-yield savings account is a deposit account that pays a substantially higher annual percentage yield ( APY ) than a typical savings account at a brick-and-mortar bank. Most HYSAs are offered by online banks that don't have the overhead of a physical branch network — the savings get passed back to customers in the form of higher interest. The accounts on this list are all FDIC-insured up to the standard $250,000 per depositor, per institution, per ownership category — if you're holding more than that, our FDIC insurance calculator shows how much is covered and how to protect the rest. New to these accounts? Our step-by-step guide to opening a high-yield savings account walks through it in about 15 minutes. For context, the national average rate on a regular savings account as published by the FDIC is roughly 0.37% APY. The accounts on this list pay between 3.75% and 4.20% — meaning your idle cash earns 10–11× more in a HYSA than it would in a typical big-bank savings account. Get a heads-up when these rates move One email a week if — and only if — one of the banks on this list changes its APY by more than 0.10%. No filler. Looking for a CD instead? CDs typically pay higher APYs than savings accounts in exchange for locking up your money for a fixed term. See our best CD rates ranking » Popular online-bank comparisons

Deciding between two of these banks? See them head-to-head — assets, history, and footprint. Ally Bank vs Marcus (Goldman Sachs) Ally Bank vs Discover Bank Capital One vs Discover Bank Discover Bank vs Synchrony Bank Marcus vs Synchrony Bank Ally Bank vs Synchrony Bank Frequently asked questions What is the highest APY available right now? The highest APY on this list is 4.20% at BrioDirect (requires a $5,000 minimum deposit). As of June 20, 2026, that's the top advertised APY on a nationally-available FDIC-insured savings account on our list. Other banks may match or beat this rate after we last refreshed our data; always confirm directly with the bank. Are high-yield savings accounts safe? Every bank on this list carries FDIC deposit insurance up to $250,000 per depositor, per institution, per ownership category. That's the same federal backing as your local big-bank savings account. The yield differential comes from operating efficiency at online banks, not from taking more risk with your deposits. Can I open more than one HYSA? Yes. There's no legal cap on the number of savings accounts you can open across banks. Many savers spread balances across two or three HYSAs to stay under the $250,000 FDIC limit per institution, to hedge against any one account's rate dropping, or to bucket money by purpose (emergency fund vs. down payment vs. travel). All of the accounts on this list are no-fee, no-minimum (or low-minimum), so the cost of stacking is essentially zero. How often do these APYs change? HYSA APYs are variable and the bank can adjust them at any time without notice. In a stable interest-rate environment, top banks typically hold their advertised APY for several months; during rate-cut or rate-hike cycles, they may move within days of a Federal Reserve action. We re-verify every rate on this page at least monthly. Is there a catch? For most accounts on this list, no — APYs are paid on the entire balance with no rate tiers, no required direct deposit, and no monthly fees. The two main caveats: (1) some accounts require a minimum deposit to open or to earn the top tier, which we've called out in the table above; (2) HYSAs are subject to the same six-per-month withdrawal limit that applies to all U.S. savings accounts under Federal Reserve Regulation D (some banks waive this; check with the institution). Related on Branchspot Best CD rates this month Best banks by state How to choose a bank or credit union How to switch banks Glossary of banking terms