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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.

BankMax rate p.a.Base rateWhat the top rate needsLink
CIT BankPlatinum Savingsup 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.Go to bank
Synchrony BankHigh Yield Savingsup to 3.55%–Variable APY; no minimum deposit or balance.Go to bank
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.Go to bank
American Express National BankHigh Yield Savings (HYSA)up to 3.20%–Variable APY; no minimum balance.Go to bank
Ally BankAlly Savings Accountup to 3.10%–Same APY on all balance tiers; no minimum deposit.Go to bank
Capital One360 Performance Savingsup to 3.10%–Variable APY on all balances; no minimum and no fees.Go to bank

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.