1. EverBank4.2% APY · 2026-10-10
$42.00
2. Bread Savings4.05% APY · 2026-10-10
$40.50
3. Bask Bank3.9% APY · 2026-10-10Promo (not included): {'apy': '4.30% (0.40% boost) with checking bundle, up to 6 months, + up to $300'}
$39.00
4. Openbank3.8% APY · 2026-10-10Promo (not included): {'boost': '0.35% for 6 months (up to 4.15%)', 'open_by': '2026-11-03'}
$38.00
5. Synchrony3.55% APY · 2026-10-10
$35.50
6. Wealthfront Cash3.55% APY · 2026-10-10Promo (not included): {'apy': 'up to 4.45%', 'boost_cap': '$150,000'}
$35.50
7. Marcus by Goldman Sachs3.5% APY · 2026-10-10
$35.00
8. Betterment Cash3.5% APY · 2026-10-10Promo (not included): {'boost': '0.75% on up to $1M', 'ends': '2027-02-15'}
$35.00
9. UFB Direct3.26% APY · 2026-10-10Promo (not included): {'apy': 'up to 4.01%', 'duration': 'up to 6 months', 'requires': 'promo code'}
$32.60
10. Ally3.1% APY · 2026-10-10
$31.00
11. Capital One 360 Performance Savings3.1% APY · 2026-10-11
$31.00
12. American Express HYSA3.1% APY · 2026-10-10
$31.00
13. LendingClub (now Happen Bank)3.0% APY · 2026-10-11Promo (not included): {'apy': '4.20', 'note': 'LevelUp Rate with $250+ monthly deposits (conditional)'}
$30.00
14. Citizens Access2.8% APY · 2026-10-10
$28.00
15. Varo1.0% APY · 2026-10-10
$10.00
16. Chime1.0% APY · 2026-10-06
$10.00
17. SoFi0.8% APY · 2026-10-11Promo (not included): {'apy': '3.30', 'note': '3.30% with eligible direct deposit or $5k deposits/31 days; up to 4.20% with new-memb
$8.00
18. CIT Bank Platinum Savings3.75% APY · 2026-10-10⚠ balance below $5,000 minimum for this APY, so no interest estimated
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19. Barclays · 2026-10-07⚠ standard APY not in our data
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Method: interest = balance × ((1 + APY)^(months/12) − 1) at the standard APY held constant; monthly fees deducted; promo rates shown separately, not included. Best high-yield savings accounts.