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Best High-Yield Savings Accounts
Compare seven high-yield savings accounts using official terms checked November 3, 2026. Rates change; this reviewed list is not every account in the United States.
High-yield savings accounts compared
We reviewed 7 accounts using the official terms linked in each row. Compare the dated terms below, then use the guide for a careful decision. This is not every account in the United States.
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| Institution / account | APY / effective date | Opening minimum | Minimum for APY | Monthly fee | Access | Insurance context | Last checked | Action |
|---|---|---|---|---|---|---|---|---|
| Marcus by Goldman Sachs — Online Savings Account | 3.50% variable APYEffective Nov 3, 2026 | No minimum deposit | No minimum stated on the official account page; maximum balance limits apply | No monthly fee | Marcus says transfers of $100,000 or less requested through Marcus by noon Eastern on a business day are processed by 5 p.m. that day. External-bank availability and other transfer conditions can delay access. | Goldman Sachs Bank USA, Salt Lake City Branch; FDIC certificate 33124. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open Marcus by Goldman Sachs official account page |
| SoFi Bank, N.A. — Checking and Savings | 3.30% variable APY with eligible direct deposit or qualifying depositsEffective Oct 20, 2026 | $0 | No balance minimum; eligible direct deposit or $5,000 in qualifying deposits per rolling 31-day period is required | $0 monthly account fee | Savings opens with checking. This row compares the ongoing deposit-qualified APY, excluding temporary new-member boosts and paid SoFi Plus tiers. | SoFi Bank, N.A.; FDIC certificate 26881. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open SoFi Bank, N.A. official account page |
| EverBank, N.A. — Performance Savings | 4.20% variable APY for new accountsEffective Not listed | $0 | No minimum balance | $0 monthly maintenance fee | Available online and by phone with online, mobile, and transfer access; the displayed APY is for new accounts. | EverBank, N.A.; FDIC certificate 34775. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open EverBank, N.A. official account page |
| Comenity Capital Bank — Bread Savings High-Yield Savings | 4.05% variable APYEffective Not listed | $100 | $100 opening balance; official page states interest is earned on balances up to $10 million | $0 monthly maintenance fee | Online account with electronic transfers; review the current disclosure for transfer timing and limits. | Comenity Capital Bank; FDIC certificate 57570. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open Comenity Capital Bank official account page |
| Forbright Bank — Growth Savings | 3.85% variable APYEffective Not listed | $0 | No minimum balance | $0 monthly maintenance fee | Online banking and mobile-app access; the official application page describes automatic enrollment in electronic statements. | Forbright Bank; FDIC certificate 57614. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open Forbright Bank official account page |
| Intercredit Bank, N.A. — Pibank Savings | 4.40% variable APYEffective Oct 21, 2026 | $0 | No minimum balance | $0 account fee | Mobile-app account access and electronic transfers; no branch access is described on the official product page. | Intercredit Bank, N.A.; FDIC certificate 21492. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open Intercredit Bank, N.A. official account page |
| Axos Bank — Summit Savings | 3.75% standard variable APY; excludes temporary promotional boostEffective Nov 3, 2026 | $0 | No minimum balance for the stated APY | $0 monthly maintenance fee | Online and mobile access, mobile deposits and free incoming wires. This row uses the standard APY; a separate new-customer promotion has its own eligibility and end date. | Axos Bank; FDIC certificate 35546. Coverage depends on ownership category and total deposits at the bank.View FDIC institution record | Nov 3, 2026 | Open Axos Bank official account page |
How we reviewed current accounts
We reviewed seven online consumer savings accounts with complete official public terms on November 3, 2026. Each account is available to a broad U.S. audience, has a direct application page, and identifies its FDIC-insured bank. This is not every account in the United States, and the stable editorial order is not a live rate ranking.
The comparison above is the only account list on this page. It links straight to each institution because the site has no approved affiliate entries. A published rate date and our checked date are shown separately; Not published by institution means the official page showed a rate but did not expose a reliable effective date.
Official evidence for the seven rows follows.
[1] [2] [3] [4] [5] [6] [7]Barclays is omitted from this review because we could not reverify its current official account terms. SoFi and Axos rows use ongoing rates, excluding temporary boosts; compare promotional eligibility and what happens after a boost ends before applying.
What a high-yield savings account is
A high-yield savings account is a savings account with a stated annual percentage yield, or APY. APY helps compare interest over a year, including compounding, but a variable APY can change before or after you open the account.
The rate is only part of the choice. Fees, minimums, transfer access, service, and deposit-insurance context can matter more when you need the money.
How to compare APY and account terms
Compare APY on the same date because variable rates move. Then check whether the APY applies to your full balance, whether a minimum is required, and how often interest compounds and posts.
Look beyond the rate:
- Monthly or transaction fees.
- Opening and ongoing balance requirements.
- Transfer speed and daily or account limits.
- How you contact support.
- Whether the bank and ownership category fit your deposit-insurance needs.
FDIC BankFind is the regulator’s official tool for checking an insured institution. [8] Deposit insurance is not a blanket promise for every product or every dollar. Confirm the legal bank name, account type, ownership category, and total deposits at the same bank.
Limits and tradeoffs
A high APY can fall. Transfers can take longer than expected. An online account may not offer cash deposits, branches, or immediate access in an emergency. A bank may also limit the maximum balance or change account terms.
Interest on a bank savings account is generally taxable for federal income-tax purposes, and the IRS says taxable interest must be reported even when no Form 1099-INT arrives. [9] This is general information, not personal tax advice.
How to move money carefully
- Confirm the account and institution on official sites.
- Review your deposit-insurance position across all accounts at that bank.
- Test the transfer process with an amount you can leave in transit.
- Keep enough money in your current account for bills and emergencies.
- Confirm the deposit arrived and that withdrawals work before moving more.
Do not close an old account until pending payments, direct deposits, and automatic transfers have been moved and checked.
Check the terms again
Visit the official account page and FDIC BankFind before opening or funding an account. If the APY or any field differs from this November 3 review, use the current official terms.
Sources
High Yield Online Savings Account. Marcus by Goldman Sachs. Accessed November 3, 2026.
Back to source 1SoFi High-Yield Savings Account. SoFi Bank, N.A.. Accessed November 3, 2026.
Back to source 2EverBank Performance Savings. EverBank, N.A.. Accessed November 3, 2026.
Back to source 3Bread Savings High-Yield Savings. Comenity Capital Bank. Accessed November 3, 2026.
Back to source 4Forbright Bank Growth Savings. Forbright Bank. Accessed November 3, 2026.
Back to source 5Pibank Savings. Intercredit Bank, N.A.. Accessed November 3, 2026.
Back to source 6Axos Summit Savings. Axos Bank. Accessed November 3, 2026.
Back to source 7BankFind Suite. Federal Deposit Insurance Corporation. Accessed November 3, 2026.
Back to source 8Topic no. 403, Interest received. Internal Revenue Service. Accessed November 3, 2026.
Back to source 9