Best Savings Rates for February 2026

Content reviewed by

Brian McKay

Share Savings

0.25%

Navy Federal Credit Union

Savings

0.05%

EverTrust Bank

Regular Savings

0.05%

BluPeak Credit Union

Maximize Your Savings with High-Yield Online Accounts

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 high-yield APYs and lower fees.

Whether you are building an emergency fund or saving for a major purchase, switching to an online high-yield savings account is one of the safest and most effective ways to grow your money faster. Compare the best rates below to find the perfect account for your financial goals.

The following rates reflect recent market quotes and representative offers available to U.S. depositors. Savings rates change all the time and may vary by financial institution and market conditions.

Best Savings Rates and Money Market Rates February 2026

Service Federal Credit Union

Primary Savings

5.00%

Andrews Federal Credit Union

High Yield Savings

3.50%

U.S. Bank

Bank Smartly Savings Account

3.50%

$100,000

HSBC Bank USA

Premier Relationship Savings

3.30%

Capital One Bank

360 Performance Savings

3.30%

TD Bank

Signature Savings

2.75%

$100,000

Pentagon Federal Credit Union

Premium Online Savings

2.70%

Navy Federal Credit Union

Share Savings

0.25%

Wells Fargo

Platinum Savings

0.05%

Citi

Citi Savings

0.03%

PNC Bank

Standard Savings

0.02%

The Huntington National Bank

Premier Savings

0.01%

The Huntington National Bank

Relationship Savings

0.01%

Regions Bank

Savings

0.01%

Bank of America

Advantage Savings

0.01%

Wells Fargo

Way2Save Savings

0.01%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Methodology & Data Sources

National Rate Tracking: We monitor high-yield savings account rates from hundreds of financial institutions across the United States, including online-only banks, national brick-and-mortar banks, and federal credit unions. Our proprietary technology scans daily to ensure you see the most competitive APYs available nationwide.

Data Accuracy & Safety: The rates displayed on this page reflect current market offers available to U.S. depositors. We prioritize data from institutions that are FDIC or NCUA insured to ensure your deposits are protected up to federal limits.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions and Federal Reserve actions. It is always advisable to check with the specific financial institution's official website for the most current offers and terms.

Compare Savings Rates by State

Frequently Asked Questions

Why are online savings accounts better than traditional accounts?

Online savings accounts typically offer interest rates that are 10x to 12x higher than traditional brick-and-mortar banks. Because online banks do not have the high overhead costs of maintaining physical branches, they can pass those savings on to you in the form of higher Annual Percentage Yields (APYs) and lower fees.

Is my money safe in an online savings account?

Yes. Legitimate online banks are insured by the FDIC (Federal Deposit Insurance Corporation), just like traditional banks. This means your deposits are federally protected up to $250,000 per depositor, per institution.

What is the difference between a Savings Account and a CD?

A savings account offers liquidity, meaning you can withdraw your funds whenever you need them without penalty. A Certificate of Deposit (CD) usually offers a higher fixed interest rate, but you must lock your money away for a specific term (e.g., 1 year). If you withdraw from a CD early, you will typically pay a penalty.

How much should I keep in an emergency fund?

Financial experts generally recommend having at least three to six months' worth of living expenses stashed away in an easily accessible emergency account. High-yield online savings accounts are ideal for this purpose because they offer both growth and liquidity.