Compare the Best High-Yield Savings Account Rates Today
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current savings account rates nationwide range from 10.00% to 10.52% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 26, 2026. Current national savings rates include Quail Creek BankQuail Creek Bank12201 N May Ave, Oklahoma City, OK 73120A5.0 ★Texas Ratio: 6.61%Real return: +7.72%APY minus 2.8% CPI (February 2026) offering LINQUP Savings at 10.52% APY, First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.04%Real return: +7.67%APY minus 2.8% CPI (February 2026) offering SuperSaver Savings at 10.47% APY, SPECTRA Credit UnionSPECTRA Credit Union1024 Saint Nicholas Dr, Waldorf, MD 20603A5.0 ★Texas Ratio: 12.16%Real return: +7.58%APY minus 2.8% CPI (February 2026) offering Brilliant Kids Savings at 10.38% APY, Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A+5.0 ★Texas Ratio: 3.58%Real return: +7.20%APY minus 2.8% CPI (February 2026) offering Youth Savings at 10.00% APY, and Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MO1280 S Highway Dr, Fenton, MO 63026 1913A+5.0 ★Texas Ratio: 4.70%Real return: +7.20%APY minus 2.8% CPI (February 2026) offering Star Student Savings Club at 10.00% APY. Savings rates as of September 26, 2026 according to verified data from MonitorBankRates.
Online savings accounts have revolutionized personal banking by offering interest rates that significantly outperform traditional brick-and-mortar banks. Without the overhead of physical branches, online banks pass these savings directly to you in the form of higher APYs and lower fees. Whether you’re building an emergency fund or saving for a major purchase, a high-yield savings account is one of the safest ways to grow your money faster.
Savings rates reflect recent market quotes and representative offers available to depositors nationwide. Savings Rates Last Updated and Verified: September 26, 2026
Current National High-Yield Savings Account Rates
Earn 10.52% APY* on the first $1,000 you deposit to this account and the standard savings account APY on balances of $1,000.01 and above; We'll match your initial deposit to this account up to a $50 maximum*** Additional $50 incentive if you enroll for EZ-Allowance or Direct Deposit ($50 max)***; Account matches will be available within one business day. Matches and incentives are good through June 2025
Balance: $0.01 to $500.00
Balance: $1 - $6000
The first $500 on deposit will earn 9.57% interest for an APY of 10.00%. All funds above $500 on deposits will earn the same rate as a regular savings account. Member must redeem their filled sticker card in branch.
Balance: $0.01 and over
Balance: $0.01 to $5,000
Qualifications Required: Serving in a combat zone; Orders of deployment to a combat zone provided; Direct deposit of net pay required; eCommunications required; Balance: $0.00. Warriors deployed in combat zones may deposit up to $10,000 into a Service CU Deployed Warrior Savings Account which earns 10% APY (Annual Percentage Yield) up to $10,000.00. If actual daily balance exceeds $10,000, the remaining balance will receive variable APY of 10%-0.10%. Rates are variable and subject to change; accurate as of 09/08/2026. Service member must be serving in a combat zone as defined by Service CU; orders of deployment to a combat zone must be provided. Direct deposit of net pay is required into members Service CU account. No minimum balance is required to open the Deployed Warrior Savings Account; $5 deposit is required to open a Primary Savings Account. Monthly deposits into a Deployed Warriors Savings Account cannot exceed the amount of your monthly net military pay; however, deposits into the Deployed Warrior Savings Account may be direct deposit, an allotment, or a transfer of funds from a Service CU account. Withdrawals are not permitted from a Deployed Warrior Savings Account. If a withdrawal is made from the Deployed Warrior Savings Account before the redeployment date plus 120 days, the funds in the Deployed Warrior Savings Account will be transferred to the Primary Savings Account, and the Deployed Warrior Savings Account will be closed. The Deployed Warrior Savings Account will stop accruing 10% APY at the end of the month of return date per deployment orders plus 120 days. eCommunications is required.
Balance: $5 - $1,000
10.00% APY on your first $1,000!
Balances of $1,000.01 and above earn an APY of 0.10%. Fees could reduce earnings. Federally insured by the NCUA.
Balance: $0 - $10,000
Balance: $0.01 and over
Balance: Up to $1000.00
Balance: $5,000 and under
APY=Annual Percentage Yield. 8.00% APY will be paid on the balance in your account up to the first $500.00. A dividend rate of 0.05% will be paid on the remaining balance in your account that exceeds $500.00 with a $500.01 balance earning a 8.00% APY and a $1,000.00 balance earning a 4.193% APY, as examples. Requires a $5.00 minimum balance to open the account. Fees could reduce earnings. All new Jeanne D'Arc Credit Union members will have one of their consumer savings accounts (except retirement statement savings) automatically designated as their primary savings account to receive these special terms. Additional savings accounts established under the same member name, and related tax identification number, are not eligible for these special terms. The M3TM Money Club Savings is available to children Newborn to age 12. Dividend rates are effective as of November 1, 2024. All rates are subject to change, after account opening, without notice.
Qualifications Required: current, valid military ID; accept electronic documents; receive e-statements; at least one deposit monthly; 8.00% only applies on the first $500 deposited as long as member meets all requirements. Requirements include: a current, valid military ID, accept electronic documents, receive e-statements and make at least one deposit monthly. Dividends compounded and credited quarterly. If the monthly deposit is not posted, the rate will revert to the current share savings rate for that month. This special rate will remain in effect as long as all requirements are met for the first $500. Balances over $500 will earn the regular share savings rate.
See full reward savings details and account requirements here .
Balance: $25.00 - $2,500.00
Min. Balance to earn APY: $.01 to earn dividends
YouthSaver rate is 7.07% APY when paired with an adult with Local Advantage Plus Checking cosign.Youthsaver rate applies to first $500; default to Prime Share savings rate on those monies above $500. Available up to 18 years of age. 7.07% APY Rate is effective for first $500 when paired with an adult cosigner w/Local Advantage Plus Checking. Additional monies above $500 will earn the lower YouthSaver rate
Balance: $0.00 - $1,000.00; The Enhanced Health Savings Account (HSA) is a variable rate account, and the dividend rates and APYs may change after the account is opened. Fees may reduce earnings. All members are required to open and maintain a TrueSaver account in order to have any other WPCU product or service.
Balance: $0.01 to $1,000.00
Account balances up to $1,000
- Sep 18, 20267.00%▲ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $0-$1500.00
Balance: $0.01 - $1000.00
Balance: $0 - $1,000.00
Balance: < $500
Balance: first $500; Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Available for ages 0-19 years with a parent/guardian joint signer. Regular savings rate applies to balances above $500. Dividend rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. APY is accurate as of June 22, 2023.
Balance: $0.00 - $2,000.00
Youth up to age 261/2 earn a preferred rate on balances up to $1,000.
Balances in excess of $10,000.00 will earn dividends at the Credit Union's regular Money Market rate, as set forth in the current Rate Schedule.
Balances over $2,500 will earn .01% APY on remaining balance. One Stash Savings account per member. APY is accurate as of October 18, 2023.
Balance: $25 - $2,500; ***
Get a $25 bonus when your account balance reaches $1,000 * .
Balance: $0 - $1,000
Base APY on balance of $700+; Earn 6.00% APY for your first $700. That's 16x the national average**
Balance: $100
Balance: $0.01 - $1,000.00; APY= Annual Percentage Yield. Rate may change after an account is opened. Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday. Last Dividend Declaration Date for Youth Savings: June 23, 2026.
Balance: up to $2000
Balance: $0.00 - $25,000.00
Age: 0-21; Balances above $2,500.00 are paid the standard share savings rate.
Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings. Certificated and classified school employees of our Board approved SEGs are eligible for our Summertime Savings Account bonus rate.
****
Balance: $0 - $5,000.00
Age: 0-12; Balance: balances up to $3,000
Promoted interest rate paid on entire balance when maintained at $5.01 and above. No interest paid on balances $5.00 and below. [1] Annual Percentage Yield (APY) as of 9/01/2026 if balance is above $5; subject to change. Applicable Share Certificate dividends exclude HSA and IRA. [2] Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the individual's membership within previous 12 months. Consumer accounts only; business accounts not eligible. [3]
Age: 13-17; Balance: balances up to $3,000
Balance: $0.00 - $750.00
Balance: first $2500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Published APY range: 5.88% to 5.99%. Balance: $1,000.01 - $1,044.68; APY= Annual Percentage Yield. Rate may change after an account is opened. Must be 17 years old or younger to open with a parent or legal guardian. The account balance will automatically be transferred to a Primary Savings Account during the calendar quarter following their 18th birthday. Last Dividend Declaration Date for Youth Savings: June 23, 2026.
Term: June 15, 2026 - June 15, 2027; Dividends paid quarterly and at account maturity on June 15, 2027. Monthly direct deposit or payroll deduction of $50 - $2,000 must be set up for account; money transfer apps (i.e.: Zelle, Venmo) do not count as direct deposit. After 60 days of no deposits, account will be closed, and funds will be transferred to your regular savings account. Account will not be closed if there are no deposits during the summer months, but will be closed if deposits do not start by October 1, 2026. Earnings transferred to chosen savings account at account maturity. Account automatically renews at maturity with the updated rate for the new program year. Limit 1 Summer Savings Club account per Member.
Balance: $0-$2,000
Youth Savings and Teen Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $5,000 for the Youth Savings and $8,000 for the Teen Savings. The minimum additional deposit is $100. The Youth Savings matures on the child's 13th birthday. The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Balance: $0-1,000
APY on the first $500 in the account. APY effective 4/16/2026 and subject to change. Balance: $0.00 - $500.00
Balance: $0-$1,000
Interest applies to the first $500 deposited.
ages 0-17 or older with current Student ID
Youth Savings available to members under the age of 21 years old and earns 5.00% APY up to $1,000 deposited, Regular Share Savings rate for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account.
1
Balance: Up to $1,000
Balance: $0 - $1,000; Dividends Paid: Monthly
Join the Herd!
Balance: .01- 50,000.00
Balance: .01- 50,000.00
Balance: $0 - $5,000.00*
Balance: $0 to $1000
Balances above $500 earn 0.25% APY.
*
Balance: $0.01 - $5,000
on the first $1,000 on deposit
As high as
Balance: $0.01 - $1,000.00
Balance: $0 - $15,000.00
Balance: $0 - $10,000.00
Balance: $0 - $500.00
For kids 7 and under - Prizes for deposits over $10 - Annual birthday surprise
Earn 5.00% APY on all balances up to $1,000. Rates may change after the account is open. Fees incurred may reduce earnings on the account. Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Rates accurate as of June 1, 2023.
Balance: $1 - $100
Balances over $1,000.00 will receive our normal share rate, currently 0.05% variable APY subject to change monthly. Upon turning 18, the LevelUp Savings account will automatically convert to a Club Account and receive the then current regular club rate. Product exclusively for members under 18 years old. To open a LevelUp Savers Account you need to make an appointment at a branch location.
Balance: $0 - $2,499.99
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; The APY for an account balance up to $500 in a First500 Account will be 5.00% APY when member has a First Entertainment Checking Account and has requested eStatements only (member must discontinue receipt of paper statements). Member must also have either active online Bill Pay service or Direct Deposit. Active is defined as one transaction every ninety (90) days for either service. First500 Youth Accounts will earn 5.00% APY on account balances up to $500 with Digital Banking enrollment and eStatements only. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 Account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number. Rates subject to change without notice and may vary. In certain instances when the minimum balance is not maintained and no other services or accounts are open, a low balance monthly fee may apply. Check with the credit union for complete details.
For ages 12 & under with 5% APY; Includes a superhero cape and mask
Available to any minor with a Social Security Number. Must have a parent or legal guardian as Joint Owner. Joint Owner must be a member in good standing. Earns 5% APY on the first $500 when enrolled in Digital Banking and eStatements. Balances above $500 in qualifying accounts and any balance in a non-qualifying First500 account will earn the First500 Savings Base Rate. One First500 Account per Social Security Number.
Balance: 0-$500
Balance: $0 to $1,000.00
As high as 5.00% APY
10 times higher than our savings account
Balance: $10,000.01 - $100,000
Tiered rates as high as 5.00% APY. Earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime.
APY* footnote applies.
Up to 5.00%; Dividends credited Monthly; Account transfer & withdrawal limitations apply
- Sep 21, 20265.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance for APY is blended and may range from 0.05% to 5.00%. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Balance for APY is blended and may range from 0.05% to 5.00%. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
- Sep 19, 20264.58%▲ from 4.32%
- Sep 14, 20264.32%first recorded
Rates as high as 4.40% APY
Save for a rewarding retirement with an IRA. Accounts are FDIC-insured with no hidden fees.
Earn up to 4.25% APY*. At Jewett City Savings Bank, we've got special savings options that offer great rates, guaranteed returns, and FDIC protection. Click for Details
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Balance: 12,500+ AVG DAILY STEPS; Balance: 12,500+ AVG DAILY STEPS
- Sep 24, 20264.25%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Balance: $1,000,000+
Balance: 12,500+ AVG DAILY STEPS; Balance: 12,500+ AVG DAILY STEPS
Balance: $0.01-$25,000; Dividends Compounded: Monthly
Boosted Rate; Base Rate: 3.75% ($0+)
- Sep 25, 20264.25%▲ from 4.00%
- Sep 20, 20264.00%first recorded
Due to exceptional demand, we have created a waiting list for our Personal High Yield Savings accounts while maintaining the rate structure and service to our thousands of existing, satisfied savings clients. We look forward to servicing your needs. We would welcome and appreciate the opportunity to call you in the future, show you the Newtek Advantage, and service all your savings and depository needs.
- Sep 22, 20264.16%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Balance: $100,000 - $199,999.99
Interest Paid: Quarterly
Variable rate. Min to open $5,000, max $250,000. Accurate as of 09/10/2026.
Balance: $15,000+
- Sep 21, 20264.10%▲ from 0.05%
- Sep 17, 20260.05%first recorded
Balance: $1,000,000
Balance: $0.00 - $250,000.00
With 2,500 Co-op Points
- Sep 24, 20264.07%▲ from 3.71%
- Sep 21, 20263.71%first recorded
Published rate range: 2.50% - 4.00%.
Balance: $15,000.01 to $25,000.00
APY is variable and subject to change. Minimum balance to earn the advertised APY is $1,000. Interest compounds daily and is paid monthly. Fees may reduce earnings. Terms and conditions apply.
Balance: $100,000.00 +
Balance: $100,000.00 and over
No maintenance fees. Enjoy flexibility with unlimited transfers to and from your account. Earn Loyalty Rates when you have both a CD and a Savings account with Credit One Bank.
Exclusively for customers age 62 and older. Rates effective as of May 1, 2026. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) is accurate as of the date shown. The High-Yield Senior Savings Account is available to individuals 62 years of age or older.
No minimum balance and unlimited withdrawals
Balance: $1,000.00 - $250,000.00
- Sep 25, 20264.00%▼ from 4.00%
- Sep 21, 20264.00%▼ from 4.00%
- Sep 18, 20264.00%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Balance: $200,000.00+
Rates are accurate as of 7/1/2025 and may change after the account is opened. Fees for ATM transactions at foreign (non-Primis) ATMs will be refunded to your account on the 15 of the month. Fees may reduce earnings. This account is only available online.
Annual Percentage Yield (APY) accurate as of March 30, 2026. Rate subject to change after account opening. For new accounts. Fees may reduce earnings. Available in eligible markets only. FDIC insurance up to $250,000 per depositor for each ownership category. See bank for complete details. Other rates and terms available. Northwest Bank is Member FDIC.
Balance: $50,000+
Balance: $75,000 - $99,999.99
Balance: $50,000+
Interest compounded daily on the collected balance. $6 monthly maintenance fee if minimum average daily balance is not met.
Balance: $0 - $250,000
Balance: Up to $25,000
Balance: $0 - $250,000
Balance: 12,500+ AVG DAILY STEPS; Balance: 12,500+ AVG DAILY STEPS
High Yield Savings Account
Balance: $10,000 and over; No account fees When you stay enrolled in eStatements.
Balance: $0.01 and greater
Balance: $0.00 - $100,000.00
Promotional Rate/APY applies for first 6 months. Balance: All Balances for first 6 months
Balance: $0.00 - $25,000
Balance: $500,000 and over
Balance: $25,000+; Compounding: Monthly
Earn $300 cash bonus. Maintain a balance of at least $20,000 for 90 days. Earn 10 x the national average.
Balance: 12,500+ AVG DAILY STEPS; Balance: 12,500+ AVG DAILY STEPS
Balance: $0 - $50,000
Online Only
Balance: $0.01 - $25,000
- Sep 18, 20264.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: 1,000,000 & Over
- Sep 19, 20264.00%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Balance: $2,000,000.00+
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
National Savings Rate Trends
Weekly national average APYs across savings account types, compiled from 8,500+ banks & credit unions, updated nightly.
National high-yield savings rates fell 0.008 points this week to 1.980%, down from 1.989% last week.
National standard savings rates rose 0.005 points this week to 0.812%, up from 0.806% last week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current national high-yield savings average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current national high-yield savings average of 1.980% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Savings Account Earnings at Today’s National Averages
Annual interest earnings at current national average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.980% APY) | Monthly Earnings | Standard Savings (0.812% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $99.02 / year | $8.25 | $40.58 / year | $3.38 |
| $10,000 | $198.03 / year | $16.50 | $81.17 / year | $6.76 |
| $25,000 | $495.08 / year | $41.26 | $202.92 / year | $16.91 |
| $50,000 | $990.15 / year | $82.51 | $405.85 / year | $33.82 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: national savings rate averages as of September 26, 2026. | ||||
About Our National Savings Rate Database
MonitorBankRates monitors savings account rates from 8,500+ banks and credit unions across all 50 states. The national table above surfaces the highest-yield offers available to depositors nationwide today from the thousands of verified rates in our database, and the state and minimum-deposit filters let you narrow the full database to offers available where you live. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top national rate: Quail Creek Bank offers a savings account at 10.52% APY. Use the rate table above to compare all current national offers.
How to Find the Best Savings Rates
What to compare when shopping for a high-yield savings account
To find the best savings APYs, start with credit unions and online-only banks. They consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits. Use the state filter in the table above to see how local institutions stack up against the national leaders.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current national high-yield savings average is 1.980% , but top institutions are offering as high as 10.52%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. National high-yield savings rates currently average 1.980% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account keeps idle cash working harder while remaining fully accessible and federally insured.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return: CD rates
- You want check-writing flexibility: Money market rates
- You need daily transaction access: Checking rates
U.S. Saver Snapshot
National demographics and economic context for savers, Source: U.S. Census Bureau
At today’s national high-yield savings average of 1.980%, saving 10% of the U.S. median salary ($4,734/year) would earn an additional $94 annually in interest, and the top national offers in the table above pay even more.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Deposit Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions nationwide.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current National Avg APY | 1.980% | 0.812% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects national averages tracked in our database as of September 26, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
High-Yield Savings Calculator
See how much a high-yield savings account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current national rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Savings rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from institutions’ own digital properties and manually verifying yields daily, every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield national online banks available to savers in all 50 states.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency into when that specific rate was confirmed.
Frequently Asked Questions about High-Yield Savings Accounts
What is a High-Yield Savings Account (HYSA)?
Is my money safe in an online savings account?
Savings Account vs. Certificate of Deposit (CD)?
How often do savings rates change?
Do I have to pay taxes on interest earned?
Are online banks better than local banks for savings?
How do I open an online savings account?
Can I lose money in a savings account?
Do I need a minimum deposit to open a savings account?
What are the best High-Yield Savings rates nationally right now?
- Quail Creek Bank
LINQUP Savings: 10.52% APY - First FSB of Twin Falls
SuperSaver Savings: 10.47% APY - SPECTRA Credit Union
Brilliant Kids Savings: 10.38% APY - Maspeth Federal S&L
Youth Savings: 10.00% APY - Alliance Credit Union Fenton, MO
Star Student Savings Club: 10.00% APY
Savings Calculators
At the top national savings rate of 10.52% from Quail Creek Bank, a $10,000 deposit earns $1,052 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median U.S. earner is roughly $11,800. At 1.980% APY, saving $990/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsThe national high-yield savings average is 1.980% APY, variable and always accessible. A CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median U.S. earner makes $47,340/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.980% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.980% APY grows to roughly $37,005 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Savings Rates by State
