Best High-Yield Savings Account Rates — July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top high-yield savings rates currently available include 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, and Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A5.0 ★Texas Ratio: 6.22% offering Owner Rewards Savings at 10.00% APY, and Infuze Credit UnionInfuze Credit Union5000 Illinois Ave, Fort Leonard Wood, MO 65473A+5.0 ★Texas Ratio: 3.72% offering High-Rate Savings at 5.01% APY, and Together Credit UnionTogether Credit Union3805 Union Rd, Saint Louis, MO 63125 4320A+5.0 ★Texas Ratio: 5.30% offering Accelerate It Savings at 5.00% APY. Savings rates as of July 25, 2026 according to verified data from MonitorBankRates.
We evaluate the financial stability of every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — so you can maximize yield and deposit with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. Savings Account Rates Last Updated and Verified: July 25, 2026
Compare the Best High-Yield Savings Rates
Give your cash a high-yield boost with 10% APY** on your first $1,000 at the place for savers! Throughout 2025, our High Yield Savings account was consistently ranked either #1 or among the top three in America by MarketWatch.
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For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
Make a debit purchase - We'll put 5¢ into a Unitus Rewards savings account for every purchase of $5.00 and up. Round up your purchase. Available with Unitus Checking.
Rates currently
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APY AS HIGH AS
Cash back checking for what you spend today, and a high yield savings rate designed for tomorrow. Zeugma Plus-simple, seamless, and smarter.**
4.50% APY†on $0-500 balance. $0 min opening deposit. No monthly fees. High yield checking required.
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Due to exceptional demand, we have created a waiting list for our Personal High Yield Savings accounts while maintaining the rate structure and service to our thousands of existing, satisfied savings clients. We look forward to servicing your needs. We would welcome and appreciate the opportunity to call you in the future, show you the Newtek Advantage, and service all your savings and depository needs.
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Exclusively for customers age 62 and older. Enjoy higher earnings on your savings with our special senior account. 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. The High-Yield Senior Savings Account is available to individuals 62 years of age or older. Deposit accounts are insured up to the maximum amount allowed by law by the Federal Deposit Insurance Corporation (FDIC).
Qualifications Required: If qualifications are met; Qualifying balance up to $25,000.00; On amount of balance over $25,000 If qualifications are met
Rates based on zip code and with a minimum of $5,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Offer is limited to one per household. Not valid with any other offer.
Requires a minimum of $250,000 on deposit
On balances up to $5,000, 0.50% on balances above.
Earn More When You Spend - Debit Card Cash Back Rewards
Introductory promo for new customers. Variable rate. Interest rate and APY may change after account is opened. New customers must have no other Valley personal checking or savings accounts or certificates of deposit within the one-year period preceding the date of account opening. Opening deposit must be new money. Introductory rate for one year from account opening. Introductory rate is variable and determined by adding 0.58% to the variable Standard Interest Rate.
Blended rate account. Qualifying balance up to $25,000.00
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Earn up to 4.00% APY* on balances up to $25,000!
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AVG DAILY STEPS: 10,000+
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Balances up to $14,999.99. Limit of one Preferred Savings account per member. Federally insured by NCUA. $5 Membership Share account required.
Limited Time Special Rate up to $5,000**
Limited time offer.
Typically, earn interest at a higher rate than with a traditional savings account. Accelerate earnings, with flexible access to your money. Open with $100 or more, then boost your balance with online deposits.
Build your retirement savings in a Traditional or Roth IRA. Get both the tax advantages of an IRA and a great savings rate. Save confidently for the future with an FDIC-insured account.
Interest is compounded daily then credited to your account monthly. No monthly maintenance fee. Free incoming wire transfers and unlimited mobile check deposits. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings.
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New account APY. This is a variable rate account, and the APY may change without notice. Not available to open through our financial centers; it can only be opened online or by calling our client solutions team.
Annualized Earnings: $1,930.00
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Savings Rate Trends
Daily average APYs for high-yield and standard savings accounts
Weekly averages compiled from thousands of current savings rates across our database of 8,500+ banks and credit unions — updated every evening.
High-yield savings rates fell 0.021 points over the past 7 days to 1.975% APY, down from 1.996% last week.
Standard savings rates rose 0.002 points over the past 7 days to 0.834% APY.
What Is a High-Yield Savings Account?
A High-Yield Savings Account (HYSA) is a federally insured deposit account that pays interest rates significantly above the market average — typically 10 to 20 times higher than traditional savings accounts at brick-and-mortar banks. Online-only banks and financial technology companies can offer these elevated rates because they don’t carry the overhead of physical branch networks.
All legitimate HYSAs at FDIC-member banks are insured up to $250,000 per depositor. Credit union equivalents are covered by the NCUA for the same amount. Your principal is safe regardless of market conditions, and your account remains liquid — you can withdraw funds at any time without penalty, unlike a CD.
How to Compare High-Yield Savings Rates
When evaluating a HYSA, look beyond the headline APY. Consider: minimum deposit requirements, whether the rate is promotional or ongoing, any balance tiers that change the rate, monthly fee structures, and how quickly you can access funds via ACH transfer. MonitorBankRates also displays each institution’s Safety Grade, Star Rating, and Texas Ratio — so you can evaluate financial health alongside rate competitiveness.
HYSA vs. CD: A high-yield savings account keeps your money fully liquid. A Certificate of Deposit (CD) locks your funds for a fixed term in exchange for a guaranteed rate. If you don’t need immediate access, CDs can offer higher yields than even the best HYSAs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate high-yield savings account rates directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight 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 Coast-to-Coast 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 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.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Savings Calculators
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 right now?
- ORSA Credit Union
High Yield Savings — 10.00% APY - Pathways Financial Credit Union
Owner Rewards Savings — 10.00% APY - Infuze Credit Union
High-Rate Savings — 5.01% APY - Together Credit Union
Accelerate It Savings — 5.00% APY - Unitus Community Credit Union
Unitus Rewards savings — 5.00% APY
More Savings Rate Options
