Best High-Yield Savings Accounts 2026

No minimum deposit, no monthly fees, no withdrawal limits. FDIC insured. Online transfers in 1-3 business days. At $10k: ~$450–475/year depending on current rate. Consistently among the highest advertised rates from a major bank brand. Best for straightforward high-yield savings with no hoops.

Must have qualifying direct deposit to unlock highest APY tier. Without DD, rate drops significantly. FDIC insured up to $2M via program banks. At $10k with DD: ~$450–460/year. Best HYSA if you also want checking in the same ecosystem.

No minimum balance, no monthly fees. "Buckets" feature lets you allocate savings goals within one account. No overdraft fees on checking. FDIC insured. At $10k: ~$425–450/year. Best overall banking experience with competitive HYSA rate.

No minimum balance, no monthly fees. Pairs with Discover checking, debit, and cards for consolidated banking. FDIC insured. At $10k: ~$425–450/year. Best for existing Discover customers.

Amex's savings product. No monthly fees, no minimum. Slower transfer speeds historically (3-5 business days). FDIC insured. Best for existing Amex cardholders who want to consolidate.

Often among the highest published rates. Smaller brand footprint than Marcus or Ally. $100 minimum. FDIC insured. At $10k: ~$475–500/year if rate holds. Best for pure rate-chasing if you're comfortable with a lesser-known institution.

No minimum balance, no monthly fees. ATM card available for access (unusual for HYSAs). FDIC insured. At $10k: ~$450/year. Best if you want physical ATM access to your savings without a checking account.

Top rate requires $5k minimum. Below $5k, rate drops to savings tier (~1%). At $10k with top rate: ~$485–500/year. Best for larger balances that qualify for the Platinum tier.