Best High-Yield Savings Accounts

We compared rates, fees, and minimums to find the savings accounts actually worth switching to.

Top 5 Picks for 2026

  1. #1

    Ally Bank Online Savings

    Best overall

    ★★★★½ (4.7/5) · 4.25% APY

    Consistently among the highest rates available, with no minimum balance and no monthly fees.

  2. #2

    Marcus by Goldman Sachs

    Best for reliability

    ★★★★½ (4.5/5) · 4.40% APY

    Backed by Goldman Sachs, with competitive rates and an easy-to-use online experience.

  3. #3

    Discover Online Savings

    Best customer service

    ★★★★☆ (4.4/5) · 4.25% APY

    Excellent 24/7 customer service paired with a competitive APY and no hidden fees.

  4. #4

    Capital One 360 Performance

    Best for branch access

    ★★★★☆ (4.3/5) · 4.10% APY

    High-yield savings with the added option of Capital One's physical branch network.

  5. #5

    SoFi Checking & Savings

    Best checking + savings combo

    ★★★★☆ (4.2/5) · Up to 4.50% APY

    The highest rate in our test, available when you set up direct deposit to the bundled checking account.