Highest standard APY in our sourced data as of 2026-10-10: EverBank at 4.2% (source). Promo / boost rates are listed separately below and are not used for this ranking.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Highest standard APY in our sourced data as of 2026-10-10: EverBank at 4.2% (source). Promo / boost rates are listed separately below and are not used for this ranking.
This page answers “What is the highest APY savings account?” using only the standard APY in data/finance_seed.json (as of the dates shown). 18 accounts with a numeric standard APY are ranked; discontinued products and non-numeric APYs (e.g. tiered “up to” rates) are omitted. Rates change; verify on the bank’s site. Not financial advice. For a scored comparison that also weighs fees, minimums, insurance and regulatory record, see best high-yield savings accounts.
| # | Account | Standard APY | As of | Source | Min for APY | Monthly fee | Promo (not ranked) |
|---|---|---|---|---|---|---|---|
| 1 | EverBank | 4.2% | 2026-10-10 | src | $0 | $0 | — |
| 2 | Bread Savings | 4.05% | 2026-10-10 | src | $1 | $0 | — |
| 3 | Bask Bank | 3.9% | 2026-10-10 | src | $0 | $0 | apy: 4.30% (0.40% boost) with checking bundle, up to 6 months, + up to $300 |
| 4 | Openbank | 3.8% | 2026-10-10 | src | $0.01 | $0 | boost: 0.35% for 6 months (up to 4.15%), open_by: 2026-11-03 |
| 5 | CIT Bank Platinum Savings | 3.75% | 2026-10-10 | src | $5,000 | $0 | — |
| 6 | Synchrony | 3.55% | 2026-10-10 | src | $0 | $0 | — |
| 7 | Wealthfront Cash | 3.55% | 2026-10-10 | src | $0 | $0 | apy: up to 4.45%, boost_cap: $150,000 |
| 8 | Marcus by Goldman Sachs | 3.5% | 2026-10-10 | src | $0 | $0 | — |
| 9 | Betterment Cash | 3.5% | 2026-10-10 | src | $10 | $0 | boost: 0.75% on up to $1M, ends: 2027-02-15 |
| 10 | UFB Direct | 3.26% | 2026-10-10 | src | $0 | $0 | apy: up to 4.01%, duration: up to 6 months, requires: promo code |
| 11 | Ally | 3.1% | 2026-10-10 | src | $0 | $0 | — |
| 12 | Capital One 360 Performance Savings | 3.1% | 2026-10-11 | src | $0 | $0 | — |
| 13 | American Express HYSA | 3.1% | 2026-10-10 | src | $0 | $0 | — |
| 14 | LendingClub (now Happen Bank) | 3.0% | 2026-10-11 | src | $0 | $0 | apy: 4.20, note: LevelUp Rate with $250+ monthly deposits (conditional) |
| 15 | Citizens Access | 2.8% | 2026-10-10 | src | $0 | $0 | — |
| 16 | Varo | 1.0% | 2026-10-10 | src | $0 | $0 | — |
| 17 | Chime | 1.0% | 2026-10-06 | src | $0.01 | $0 | — |
| 18 | SoFi | 0.8% | 2026-10-11 | src | $0 | $0 | apy: 3.30, note: 3.30% with eligible direct deposit or $5k deposits/31 days; up to 4.20% with new-member 0.90% boost |
Rates are variable and change often — confirm the current APY, minimums and fees on each bank’s official page before opening an account. VaultRubric ranks facts from sourced data; this is not a recommendation to open any account.
In VaultRubric's sourced data as of 2026-10-10, EverBank has the highest standard APY at 4.2%. Promo boosts are listed separately and are not used for this ranking. Rates change; verify on the bank's site.
As of 2026-10-10 in our dataset: EverBank at 4.2% standard APY (https://www.everbank.com/banking/performance-savings). Check the bank's site for the live rate.
No. This page ranks accounts by standard (ongoing) APY only. Limited-time promo or boost rates appear in a separate column and do not change the ranking.