10 Best High Yield Savings Accounts of 2026

EverBank Performance Savings tops this list on the number most savers compare first: the account page lists a 4.20% APY for new accounts on all balances, which EverBank puts at 11 times the 0.38% national average. There is no balance tier to clear, no opening deposit and no monthly maintenance fee, and mobile check deposits are free. Interest compounds daily. The bank also publishes its own balance sheet figures on the page, including $45.8B in assets and $38.4B in deposits as of September 30, 2026. What you do not get is the extra tooling some rivals add: the page does not describe savings buckets, automatic round ups or a bundled checking account, and the account is sold only online and by phone. The rate is labeled for new accounts, so if you already bank with EverBank, confirm the rate on your own account before moving money. For someone who wants a plain, high, flat rate and nothing to manage, it is the strongest pick here.

Marcus by Goldman Sachs Online Savings pays 3.50% APY as of November 11, 2026, which Marcus describes as 8 times the national average, and it charges no fees with no minimum deposit. The feature that sets it apart from most online banks is speed: Marcus offers same-day transfers of $100,000 or less to and from other banks, and interest starts on the day you initiate a deposit transfer. Support runs around the clock through a contact center open 24 hours a day, 7 days a week, and the page cites a J.D. Power ranking of first in customer satisfaction among high-yield savings accounts from online-only banks. A referral program adds a 1.00% APY boost for 3 months. The limits are worth knowing: the disclosure says maximum balance limits apply, and the page does not describe goal buckets or automatic round ups. If you want a simple, fee-free account that gets money in and out quickly, Marcus is the strongest bank-issued option after EverBank.

Wealthfront Cash Account is the pick for savers who care as much about access as about rate. The base APY is 3.55% as of October 1, 2026, and Wealthfront lists two ways to raise it: a 0.65% boost for 3 months on up to $150,000 for new clients, and a 0.25% ongoing increase for clients who also invest and deposit monthly, for an advertised maximum of 4.45%. There are zero account fees, and withdrawals to eligible external accounts on the RTP or FedNow networks are free and instant around the clock, including weekends. Because Wealthfront spreads cash across program banks, it advertises up to $8M in FDIC insurance eligibility, far above the usual $250,000 per bank. The account also behaves like checking, with a debit card, bill pay and direct deposit. The trade-offs: Wealthfront is not itself a bank, and the headline 4.45% depends on boosts that either expire or require investing. Judge it on the 3.55% base.

Ally Bank Savings Account earns its place with tools rather than the top rate. The APY is 3.2% as of November 9, 2026, with no monthly maintenance fees or minimum balance requirements, and interest compounds daily. Where Ally stands out is organization: buckets let you divide one savings account into goals such as travel or a car, Surprise Savings analyzes linked checking accounts, even at other banks, and moves money it judges safe to save, and round ups sweep spare change from an Ally Spending Account once at least $5 builds up, in transfers of $5 to $20. Recurring transfers can run on any schedule you set. Support is available 24/7 by phone, chat or email. Two limits matter. Ally caps certain withdrawals and transfers at 10 per statement cycle and may close accounts that exceed it more than occasionally, and the rate sits below EverBank, Wealthfront and Marcus. For savers who will actually use buckets and automation, that trade can be worth it.

Capital One 360 Performance Savings pays 3.20% APY on all balances, effective November 12, 2026, with no fees to open or maintain the account and no minimum balance. Capital One stresses that the account is not tiered, so a small balance earns the same rate as a large one. Interest accrues daily and compounds and credits monthly. The reason to choose it over a pure online bank is the physical network: you can withdraw at a branch, and Capital One runs cafés with seating and staff for account help. The mobile app carries a 4.8 rating on the App Store and 4.5 on Google Play as of July 27, 2026, according to the page. The drawbacks are specific. You cannot take cash from savings at an ATM; Capital One says to move it to a checking account such as 360 Checking first. Compounding is monthly rather than daily, and the 3.20% rate trails EverBank by a full percentage point. Pick it if branch access matters more than the last fraction of a percent.

SoFi Checking and Savings is the best fit when your paycheck can land there. The savings APY is 3.30% as of October 20, 2026, but only with eligible direct deposit or at least $5,000 in qualifying deposits every 31 days; otherwise the account earns 0.80%. New members can add a limited-time 1.10% boost, reaching 4.40% for up to 6 months, and a cash bonus of $50 or $400 for direct deposits of $1,000 or more. SoFi charges no monthly, overdraft or minimum balance fees, requires no minimum deposit, and sets no monthly limit on savings withdrawals. Vaults split savings into goals, Roundups sweep spare change, and enrolling in the SoFi Insured Deposit Program extends FDIC coverage up to $3M. The catch is conditionality: miss the deposit test and the rate falls by 2.5 percentage points, which is why SoFi ranks below accounts with a flat rate. Opening savings also opens a SoFi Checking Account automatically.

Barclays Tiered Savings advertises up to 3.65% APY as of October 7, 2026, above the 3.50% Marcus pays, with no monthly maintenance fees and no minimum balance to open. The word to read carefully is tiered: Barclays says the APY you earn depends on the tier your end of day balance falls into, and the same rate may apply to several tiers, so check the tier table before assuming the top rate applies to you. New customers can also earn a $200 bonus by opening through January 31, 2027, depositing at least $25,000 within 30 days and keeping that balance for 120 consecutive days; Barclays pays it about 60 days later and treats it as interest for taxes. Existing Barclays savings and CD customers are not eligible. Access is online, with direct deposits and transfers. The page does not describe extra tools such as goal buckets, which keeps its features score lower than Ally or SoFi.

American Express High Yield Savings is a plain online savings account from American Express National Bank. It pays 3.20% APY as of November 11, 2026, with no minimum balances and no monthly fees, and the disclosure states that no minimum is needed to open the account, avoid a fee or earn the advertised APY. Customer service is reachable by phone 24/7. You fund the account by linking your current bank or mailing a check, and Amex notes linking an external account can take up to two days; transfers can be started any time online or by phone, though they process on business days. The same bank offers CDs up to 4.50% APY for money you can commit for a fixed term. There is little else on the page: no goal buckets, round ups or bundled checking, which is why its features score is the lowest here. It ranks above CIT only because it pays the full rate on any balance, without a $5,000 threshold.

CIT Bank Platinum Savings has a two-tier rate that makes it either very good or poor depending on your balance. As of July 1, 2026, it pays 3.75% APY on balances of $5,000 or more and 0.25% APY on balances of $0.01 to $4,999.99, with interest paid on the entire balance at the rate for that day's tier. That 3.75% is above Marcus, Ally and Capital One, but anyone holding less than $5,000 earns a fraction of what EverBank or Marcus pays. The account has no opening or monthly service fees, needs $100 to open, and can be funded by electronic transfer, mailed check or wire. CIT supports Zelle for transfers and offers a mobile app. CIT Bank is a division of First Citizens Bank. Because the rate dates on the page are older than most competitors' and the low-balance tier is so far below the rest of this list, CIT ranks last overall even though its top tier is competitive.

UFB Portfolio Savings comes from UFB Direct, a division of Axos Bank, and its headline rate is up to 4.01% APY for up to 6 months. That figure includes a limited-time 0.75% APY boost for new customers who open between October 1 and December 1, 2026 and enter the promo code UFB75 on the application, so the rate after the promotion is lower by that boost. The account has no maintenance fees and no minimum balance required to open, and UFB also sells it in a checking and savings bundle. Deposits are FDIC insured through Axos Bank up to $250K for individual and $500K for joint accounts, but UFB notes they are combined with any other Axos Bank deposits held in the same ownership, which matters if you already bank with Axos. The short promotional window and the six-month limit are why UFB sits mid-table here despite the high headline number. If you can open before December 1, it is a strong short-term rate.