Compare the Best High-Yield Savings Account Rates Today
Brian McKay
Brian McKay
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Current national savings rates include First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24% offering SuperSaver Savings at 10.47% APY, SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 6.72% offering Brilliant Kids Savings at 10.38% APY, ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78% offering High Yield Savings at 10.00% APY, Radiant Credit UnionRadiant Credit Union405 SE 2nd PL, Gainesville, FL 32601 6808A+5.0 ★Texas Ratio: 4.88% offering Even-Up Share* at 10.00% APY, and Cyprus Federal Credit UnionCyprus Federal Credit Union3876 W Center view Way, West Jordan, UT 84084A+5.0 ★Texas Ratio: 2.25% offering Dream Round Up Savings at 10.00% APY. Savings rates as of 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: June 11, 2026
Current National High-Yield Savings Account Rates
Tiered APY based on balance. For balances $0.01 to $500.00.
On first $1,000.
Qualifying balance up to $1,000.00
Dividends compounded and paid monthly. Start saving money right away because your balance grows in relation to your debit card usage. Anyone with a checking account is eligible.
Balance: $5 - $1,000
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Tiered APY based on balance. For balances $500.01 to $1,000.00.
See full reward savings details and account requirements here. Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened. Please contact the credit union for further information.
Account must be used within 5 years. Maximum balance limit of $100,000.00. Program may be discontinued at any time. Account is subject to a complete application and approval by the Ohio's Treasurer's Office. This is a variable rate account; the rate may change after account opening and program terms subject to change without notice. Limit of one account per social security number and must be individually owned.
Qualifying balance up to $1000.00
7.00% on first $500
Qualifying balance up to $2,500.00
Qualifying balance up to $1,000.00
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
$500 - $10,000
KEMBA Advantage APY
APY is accurate as of 10/09/2025. Interest Rate and APY are subject to change at any time. Interest will be compounded daily and credited to your account monthly. Accounts connected with Ohio Homebuyer Plus must be used within five years and cannot exceed a maximum balance of $100,000. Must be a resident of the State of Ohio, at least 18 years of age, and may only use the account proceeds toward the down payment or closing costs of a home purchase in Ohio.
$5 to $500
6.00% on first $2500
Dividends paid quarterly and at account maturity on June 15, 2026. 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, Summer Savings Club 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, 2025. 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.
Qualifying balance up to $25,000.00
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; 0.05% APY applies when the balance is $2,500.01 and greater, or to all balances if monthly qualifications are not met. Periodic withdrawals are not allowed on this account. Only a withdrawal of the entire balance is allowed, which will result in the closure of this account. Once closed, another I Can Save account will not be allowed for a period of two years from the date of account closure.
Funds withdrawn after 30 days will incur a $5 fee. Transfers only from Summertime Savings.
Qualifying balance up to $2000.00
On balances up to $5,000.00
Additional deposits can be made up to $8,000. The minimum additional deposit is $100. The Teen Savings matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Additional deposits can be made up to $8,000. The minimum additional deposit is $100. Matures on the teen's 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
APY on balances up to $500. APY on balances $500.01-$2,500: 5.25%-3.45%. APY on balances $2,500.01-$5,000: 3.45%-2.23%. APY on balances $5,000.01-$25,000: 2.23%-0.85%. APY on balances of more than $25,000.01: 0.85%-0.15%. First-year earnings are based on a 12-month average. APY effective 04/16/2026 and subject to change.
$0-$1,000
High interest-bearing account; Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
Helps your child grow up smarter about money.
Qualifications Required: Account requirements met; Additional interest tier: Balances $30,000.01 or greater the APY will range from 5.12% to 0.19% (when account requirements are met). If account requirements are not met during the monthly statement cycle, APY earned on entire balance will be 0.19% APY. $100 minimum deposit to open account, no minimum balance required thereafter. Interest paid monthly. Fees could reduce earnings.
$0; Qualifying balance up to $1,000.00
Balances above $500 earn 0.25% APY. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings. One First5 Savings Account per person.
Qualifying balance up to $5,000.00
on the first $1,000 on deposit
Must have a Planters Round Up Checking Account
Qualifying balance up to $9,999.99
Earn 5% APY on the first $5,000. Qualifying balance up to $5,000.00
Balances $5,000 and above earn 0.05% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings. Contact an Extraco Banks representative for additional information about applicable fees and terms.
Earn 5.00% APY more on the first $750
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $2,000.00
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; 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.
$0.00 - $4,999.99
A smart start to big savings-from first coins to first paychecks. For ages up to 25.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
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.
Bonus dividend rate is paid on the first $2,500 balance in the account for the first 12 months. Non-Bonus Rate is 0.05% for balances of $2500.01 and greater.
Anticipated Bonus Dividend Rate for balances of $0.01 to $2,500: 4.89%. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances up to $24,999.99. Offer subject to change without notice.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $499.99
Qualifying balance up to $500.00
Qualifying balance up to $500.00
Compound Frequency: Monthly
We'll round up your debit card purchases to the nearest dollar and transfer the difference. Qualifying balance up to $1,000.00
On the first $0 - $500 balance. Learn More
Qualifying balance up to $1,000.00
On the first $0 - $500. Rate based on terms. See Notes and Fees for details.
For ages 12 & under with 5% APY. Includes a superhero cape and mask.
Qualifying balance up to $5000
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; End the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00. Earn 2.50% APY on balances over $5,000.00.
Qualifying balance up to $1,000.00
APY is accurate as of 6/3/2026 and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. Fees may reduce earnings.
Qualifying balance up to $5,000.00
On your first qualified $500 in balances.
Qualifying balance up to $1,000.00
5.00% to 0.25% on balances of $5,000.01 and greater
5.00% to 0.25% on balances of $5,000.01 and greater; Must be opened at a branch
Qualifying balance up to $1,000.00. Balances above $1,000 will earn our regular savings rate.
Promotional rate
UP TO AGE 21
Qualifying balance up to $1,000.00
$0.01-$499.99
Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Interest rate paid on the entire balance will be 4.72% if the daily balance is less than $500.00. At the age of thirteen (13), the account will be converted to a Statement Savings account.
APY Range: 0.00% - 4.60%
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
Additional deposits can be made up to $5,000. The minimum additional deposit is $100. The Youth Savings matures on the child's 13th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Additional deposits can be made up to $5,000. The minimum additional deposit is $100. Matures on the child's 13th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Tiered APY based on balance. For balances $1,000.01 to $2,000.00.
Interest paid daily.
Interest paid daily. Interest is paid on portfolios up to $500,000.
For holding a Savings and a Checking Account. Initial APY will be current top tier until the rate adjustment date following first full month that the account has been opened.
Qualifications Required: Elite qualifications; The combination of both accounts (Fitness Elite Checking + Fitness Savings) earns the highest rate on your savings account. Meet Elite qualifications + $5,000 min average balance in checking.
AVG DAILY STEPS: 10,000+
as high as
Standard Rate*
No Monthly Fees; No hidden fees; Up to six (6) withdrawals or transfers per statement cycle are permitted for High Yield Savings and Money Market accounts, including preauthorized, automatic, and telephone transfers.
Interest paid daily.
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Wise Checking required to open a Wise Savings account.
Qualifying balance up to $2,500.00
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. Deposit accounts are insured up to the maximum amount allowed by law by the Federal Deposit Insurance Corporation (FDIC).
Annual percentage yield. Click here for full list of qualifications and benefits.
As high as
Qualifying balance up to $500.00
Earn 4.00% APY* on balances up to $25,000
balances up to $14,999.99
Boosted Rate
APY is 4.00% on balances up to $20,000.00
As Low As; Use your money on deposit as security for a great rate
Earn up to 4.00% APY so you can start saving for the future, today.
Qualifying balance up to $2,000.00
Qualifications Required: Average daily step count hits 12,500 (10,000 if 65+); Earn the highest rate offered on a Fitness Savings account when your average daily step count hits 12,500 (10,000 if 65+)
Now offering a 4.0% APY to Texas businesses.
Qualifying balance up to $5,000.00
Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number.
AVG DAILY STEPS: 10,000+
Limited Time Special Rate up to $5,000**
Limited time offer.
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 1.999%, down from 2.007% last week.
National standard savings rates rose 0.028 points this week to 0.823%, up from 0.795% last week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
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?
What are the best High-Yield Savings rates nationally right now?
- First FSB of Twin Falls
SuperSaver Savings — 10.47% APY - SPECTRA
Brilliant Kids Savings — 10.38% APY - ORSA Credit Union
High Yield Savings — 10.00% APY - Radiant Credit Union
Even-Up Share* — 10.00% APY - Cyprus Federal Credit Union
Dream Round Up Savings — 10.00% APY
Savings Calculators
Savings Rates by State
