Best High-Yield Savings Account Rates
Comparing 7 banks. Rates scraped daily — no stale data. Best available today: 3.95% APY.
| Bank | APY | |
|---|---|---|
| Top RateBread Savings | 3.95% | Open account → |
| Marcus by Goldman Sachs | 3.40% | Open account → |
| Synchrony Bank | 3.30% | Open account → |
| American Express HYSA | 3.10% | Open account → |
| SoFi | 3.10% | Open account → |
| Capital One 360 | 3.00% | Open account → |
| Ally Bank | 0.38% | Open account → |
What is a High-Yield Savings Account?
A high-yield savings account (HYSA) is a savings account that pays a significantly higher interest rate than a traditional bank savings account. Most HYSAs are offered by online banks, which have lower overhead costs and pass the savings to customers in the form of higher APYs. FDIC insurance applies up to $250,000 per depositor, per institution.
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