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Best high-yield savings account rates in United States

The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

Banca	Max rate p.a.	Base rate	What the top rate needs	Link
CIT BankPlatinum Savings	up to 3.75%	0.25%	Tiered: the higher APY applies to balances of $5,000 or more; $100 to open. Page says APYs accurate as of July 1, 2026.	Vai alla banca
Synchrony BankHigh Yield Savings	up to 3.55%	–	Variable APY; no minimum deposit or balance.	Vai alla banca
Wells FargoPlatinum Savings (new savings customers)	up to 3.25%	–	New savings customers only; requires depositing and keeping $25,000+ within 30 days. Standard rate 0.01% APY. Rates shown for ZIP 94105.	Vai alla banca
American Express National BankHigh Yield Savings (HYSA)	up to 3.20%	–	Variable APY; no minimum balance.	Vai alla banca
Ally BankAlly Savings Account	up to 3.10%	–	Same APY on all balance tiers; no minimum deposit.	Vai alla banca
Capital One360 Performance Savings	up to 3.10%	–	Variable APY on all balances; no minimum and no fees.	Vai alla banca

Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.