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 national savings rates include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Savings at 12.00% APY, SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 0.00% offering Brilliant Kids Savings at 10.38% APY, Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.42% offering Dream Round Up Savings at 10.00% APY, Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO 63123 7804A5.0 ★Texas Ratio: 8.62% offering SMART Savings at 10.00% APY, and Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 5.29% offering Even-Up Share* at 10.00% APY. Savings rates as of according to verified data from MonitorBankRates.
We compared 5,399 savings rates from 2,316 banks and credit unions across all 50 states to help you find the best high-yield savings, standard savings, jumbo savings, credit union share savings, and business savings rates.
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: April 27, 2026
Current National High-Yield Savings Account Rates
Maximum Balance: $1,200
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $0.01
Qualifying balance up to $6000.00
Balance: $5 - $1,000
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1000.00
KEMBA Advantage APY
about homebuyer plus
Qualifications Required: Must be a resident of the State of Ohio; must be at least 18 years of age; must have a primary residence in the State of Ohio; may only use the account proceeds toward the down payment or closing costs of a home purchase in Ohio.; $500 bonus** at account opening.
BONUS GIFT: Every new Kids Club account comes with an adorable Moose Plush - the perfect savings adventure sidekick!
Qualifying balance up to $1,000.00
Qualifying balance up to $10,000.00
Qualifications Required: Monthly requirements must be met to qualify; Qualifying balance up to $750
One great rate, all Chaffey Members.
plus get $25 when balance reaches $1,000
Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00
Applicable Share Certificate dividends exclude HSA and IRA. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the business membership within previous 12 months. Business accounts only; consumer accounts not eligible.
Earn 6% APY* on your savings towards your new home! Click here to learn more!
Qualifying balance up to $2000
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
about homebuyer plus
(ages 0-17 or older with current Student ID)
Qualifying balance up to $1,000.00
Quarterly
Qualifying balance up to $500.00
Qualifying balance up to $500.00
APY effective 2025/01/01
Qualifying balance up to $1,000.00
Must have a Planters Round Up Checking Account
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $10,000
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Up to
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5000
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
$0 - $2,500
Qualifying balance up to $500
Qualifying balance up to $2,000
On the first $0 - $500 balance.
Qualifying balance up to $1,000.00
Qualifying balance up to $499.99
Qualifying balance up to $1,000.00
Qualifying balance up to $2,000.00
Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
Balances under $5,000 earn 5.00% APY; balances $5,000 and above earn 0.50% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings.
Earn 5.00% APY on up to $5,000.
Qualifying balance up to $500.00
Qualifying balance up to $500
Qualifying balance up to $9,999.99
On your first qualified $500 in balances.
Qualifying balance up to $500.00
Qualifying balance up to $499.99
Qualifying balance up to $500.00
Qualifying balance up to $2,000.00
For ages 12 & under with 5% APY; Includes a superhero cape and mask
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Full Balance
Qualifying balance up to $100.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
As high as
A smart start to big savings-from first coins to first paychecks.
Qualifying balance up to $5,000.00
Qualifications Required; Qualifying balance up to $2,500.00
max $300 deposit per month
Qualifying balance up to $1,000.00
UP TO AGE 21
AS HIGH AS
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifying balance up to $750
Earn up to 4.83% APY; No Fees; No minimum balance requirements.
Qualifications Required: 1,000 in direct deposits; eStatements enrollment; 3 electronic withdrawal debit transactions; To receive the 4.75% APY quoted, you must fulfill the following 3 requirements for your Zeugma Plus Checking each month: (a) receive a minimum of $1,000 in direct deposits, (b) enroll in eStatements, and (c) have three (3) electronic withdrawal debit transactions posted and cleared (excluding internal transfers).
Qualifying balance up to $1000.00
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
APY as high as
For holding a savings and a checking account*
Interest paid daily; FDIC insured on portfolios up to $250,000 with no minimum deposit.
Up your savings with 4.30% APY.
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
as high as
Standard Rate*; Interest paid monthly and calculated daily based off the end of day balance; 6 withdrawals per month limit
about homebuyer plus
Earn 11x the national average.
Earn a high rate while holding only a Fitness Savings Account.
Qualifying balance up to $250,000.00
Qualifying balance up to $250,000.00
Exclusively for customers age 62 and older; Minimum opening deposit: $100
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $3,000.00
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
Qualifying balance up to $
Earn as high as 4.00% APY* with the High Yield Savings Account!
Qualifying balance up to $10,000
Earn 10x the National Average2
ages 0-17 earn
$.01
Earn 4% APY* with an InRoads Smart Start Savings account.
New customer promo; Existing customers earn 3.40% APY
On up to $50k
Qualifying balance up to $10,000; for one year!
up to $5,000; Limited Time Special Rate up to $5,000**
Qualifying balance up to $1,000.00
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 0.002 points this week to 2.039%, down from 2.041% last week.
National standard savings rates held steady at 0.751% APY this week, unchanged from the prior week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
Methodology & Data Sources
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 pulling data straight 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?
What are the best High-Yield Savings rates nationally right now?
- Responders Emergency Services Credit Union
Savings — 12.00% APY - SPECTRA
Brilliant Kids Savings — 10.38% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY - Neighbors Credit Union
SMART Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY
Savings Calculators
Savings Rates by State
