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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.

银行	Max rate p.a.	Base rate	What the top rate needs	链接
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.	前往银行
Synchrony BankHigh Yield Savings	up to 3.55%	–	Variable APY; no minimum deposit or balance.	前往银行
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.	前往银行
American Express National BankHigh Yield Savings (HYSA)	up to 3.20%	–	Variable APY; no minimum balance.	前往银行
Ally BankAlly Savings Account	up to 3.10%	–	Same APY on all balance tiers; no minimum deposit.	前往银行
Capital One360 Performance Savings	up to 3.10%	–	Variable APY on all balances; no minimum and no fees.	前往银行

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.