VaultRubric
Best high-yield savings accounts
Every high-yield savings account in our dataset, scored on standard APY (relative to the best), minimum to earn it, fees, deposit insurance and regulatory record. Promo rates are listed but not scored.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Too close to call: EverBank and LendingClub (now Happen Bank) (within 0.5 points).
Weights: APY (standard rate) 20%, Minimum to earn APY 20%, Fees 20%, Deposit insurance 20%, Regulatory record 20%
| # | Account | Score | APY | Notes |
|---|---|---|---|---|
| 1 | EverBank | 98.0% cov 100% | 4.2% src · 2026-10-10 | |
| 2 | LendingClub (now Happen Bank) | 97.5% cov 80% | 4.2% src · 2026-10-10 | |
| 3 | Bread Savings | 97.2% cov 100% | 4.05% src · 2026-10-10 | |
| 4 | Bask Bank | 96.6% cov 100% | 3.9% src · 2026-10-10 | |
| 5 | Wealthfront Cash | 96.2% cov 80% | 3.55% src · 2026-10-10 | |
| 6 | Openbank | 96.0% cov 100% | 3.8% src · 2026-10-10 | |
| 7 | Barclays | 95.4% cov 100% | up to 3.65% (Tiered Savings)% src · 2026-10-07 | |
| 8 | Synchrony | 95.0% cov 100% | 3.55% ⚑ third-party source src · 2026-10-10 | |
| 9 | SoFi | 93.8% cov 100% | 3.3% src · 2026-10-10 | |
| 10 | UFB Direct | 93.6% cov 100% | 3.26% src · 2026-10-10 | |
| 11 | Ally | 92.8% cov 100% | 3.1% src · 2026-10-10 | |
| 12 | American Express HYSA | 92.8% cov 100% | 3.1% src · 2026-10-10 | |
| 13 | Betterment Cash | 92.6% cov 100% | 3.5% src · 2026-10-10 | Regulatory: SEC: $9M penalty for tax-loss harvesting misstatements |
| 14 | Capital One 360 Performance Savings | 90.8% cov 100% | 3.1% src · 2026-10-10 | Regulatory: CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27; Regulatory: Court (class action): $425M class settlement final approval; appeal pending (4th |
| 15 | Marcus by Goldman Sachs | 90.6% cov 100% | 3.5% src · 2026-10-10 | Regulatory: CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 |
| 16 | Citizens Access | 89.4% cov 100% | 2.8% ⚑ third-party source src · 2026-10-10 | Regulatory: CFPB: Citizens Bank $9M penalty for unlawful credit card servicing |
| 17 | CIT Bank Platinum Savings | 85.8% cov 100% | 3.75% src · 2026-10-10 | |
| 18 | Varo | 82.8% cov 100% | 1.0% src · 2026-10-10 | |
| 19 | Chime | 76.8% cov 100% | 1.0% src · 2026-10-06 | Active consent order with consumer restitution: CFPB: $3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts |
Top 3 compared
| Fact | EverBank | LendingClub (now Happen Bank) | Bread Savings |
|---|---|---|---|
| APY (standard) | 4.2% src · 2026-10-10 | 4.2% src · 2026-10-10 | 4.05% src · 2026-10-10 |
| APY conditions | not found | $250+ monthly deposits for LevelUp rate src · 2026-10-10 | not found |
| Promo (not scored) | not found | not found | not found |
| Minimum to earn APY | $0 src · 2026-10-10 | $0 src · 2026-10-10 | $1 ⚑ third-party source src · 2026-09-30 |
| Monthly fee | $0 src · 2026-10-10 | not found | $0 ⚑ third-party source src · 2026-10-07 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC-insured (EverBank, N.A.) | Up to $250,000 src · 2026-10-10 FDIC; Happen Bank, N.A. (formerly LendingClub Bank) | Up to $250,000 ⚑ third-party source src · 2026-10-07 FDIC; Comenity Capital Bank (Utah state-chartered) |
| FDIC cert | 34775 (EverBank, National Association) src · 2026-10-10 | 32551 (Happen Bank, National Association) src · 2026-10-10 | 57570 (Comenity Capital Bank) src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | none found in last 5 yrs src · 2026-10-10 | none found in last 5 yrs src · 2026-10-10 |
Opens the tool with these platforms filled in, so you can change the weights.
Related comparisons
- Ally vs Marcus
- Capital One 360 vs Ally
- SoFi vs Ally
- Wealthfront Cash vs Betterment Cash
- Fidelity vs Schwab
- Fidelity vs Vanguard
- Robinhood vs Webull
- Marcus vs SoFi
FAQ
What is the best high-yield savings accounts?
Too close to call between EverBank and LendingClub (now Happen Bank). Your answer depends on your priorities; adjust the weights in the tool.
How does VaultRubric score these?
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.