Best High-Yield Savings Account Rates — September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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- Finance Calculators
Top high-yield savings rates currently available include Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A+5.0 ★Texas Ratio: 5.14% offering Owner Rewards Savings at 10.00% APY, and ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A+5.0 ★Texas Ratio: 5.71% offering High Yield Savings at 10.00% APY, and Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union788 N State Route 2, New Martinsville, WV 26155A5.0 ★Texas Ratio: 7.13% offering High Yield Savings at 10.00% APY, and Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union788 N State Route 2, New Martinsville, WV 26155A5.0 ★Texas Ratio: 7.13% offering High Yield Savings account at 10.00% APY. Savings rates as of September 22, 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: September 22, 2026
Compare the Best High-Yield Savings Rates
Balance: $5,000 and under
10.00% APY on your first $1,000!
Balance: Up to $1000.00
Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details.
Qualifications Required: First Choice Rewards Checking account qualifications met each monthly qualification cycle; First Choice Rewards Savings rates apply if qualifications are met each monthly qualification cycle on First Choice Rewards Checking account. APY range based on balance in account.
Balance: $0 - $10,000.00
Qualifying balance up to $1,000.00
Accelerate It Savings2: 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. 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.
Qualifications Required: Spend $250 per month minimum; Swipe 15 times per month with your Guardian debit card.**; Earn 5.00% APY monthly on balances up to $15,000.*** Must have Ultimate Checking and meet the monthly requirements. Dividend is earned monthly on an average daily balance of $10,000 or more if Ultimate Checking requirements are met.
Balance: $0 - $999.99
Earn 5.00% APY* Grow your savings with a competitivehigh-yield rate. APY=Annual Percentage Yield
No additional details available.
Balance: $0 - $5,001
Balance: $1,000,000+
Balance: $0.01-$25,000; Dividends Compounded: Monthly
Earn 11x the national average. Due to overwhelming demand, we have paused new applications for our Personal High Yield Savings accounts. Please leave your information below, and we will contact you as soon as this product is available again.
Balance: $1,000,000
Variable rate. Min to open $5,000, max $250,000. Accurate as of 09/10/2026.
APY is variable and subject to change. Interest compounds daily and is paid monthly.
Published rate range: 2.50% - 4.00%.
Exclusively for customers age 62 and older. 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 and older.
All Balances for first 6 months; Balance: All Balances for first 6 months
Earn $300 cash bonus. Maintain a balance of at least $20,000 for 90 days. Deposits begin earning interest on the day the deposit is posted to your account. Interest is compounded daily and posted to your account on the last business day of the month. You must have a balance of $.01 to earn interest.
Promotional rate for 6 months. New Money only. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify.
Balance: $5,002 - $14,999
Qualifications Required; On balances $0.01 up to $25,000.
Introductory promo for new customers. The opening deposit also must be a new money deposit, which is defined as funds from an external funding source that are not presently on deposit in any other Valley account. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). The Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened.
Balance: $0 - $250,000
High Yield Savings Account
Balance: $0.00 - $25,000
No additional details available.
Qualifications Required: A linked Ruby Rewards Savings account is required for automatic savings rewards deposits.; Balance: daily balances up to $100,000.00 in your Ruby Rewards Savings account earn an APY of 4.00% and daily balances $100,000.00 or more earn an interest rate of 0.25% on the portion of the daily balance $100,000.00 or more , resulting in a range from 4.00% to 0.25% APY depending on the account's daily balance.
High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing High Yield Savings account or Private Client High Yield Savings account to the High Yield Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the High Yield Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing High Yield Savings, you must contact Elements to convert your existing account to a High Yield Savings Plus account. Rates are accurate as of September 18, 2026. The High Yield Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day's daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional High Yield Savings tier structure or for Private Client, the non-promotional PC High Yield Savings account tier structure. APYs are variable and may change at any time without notice. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.
Balance: <= $25,000
Online Only
Limited Time Special Rate up to $5,000**
Annual Percentage Yield (APY) accurate as of March 30, 2026. Rate subject to change after account opening. No minimum balance requirement. No monthly service fees. Interest is compounded and credited monthly. For new accounts. Fees may reduce earnings. Available in eligible markets only.
Balance: $0.01 to $5,000.00
Interest compounded daily on the collected balance. $6 monthly maintenance fee if minimum average daily balance is not met.
Balance: $0.00 - $100,000.00
Earn more while you save with our High-Interest Savings account. With 4% interest on balances up to $5,000, your money grows faster while staying accessible. Simply set up a payroll deduction or direct deposit to this account, and watch your savings build with ease.
Boosted Rate: 4.00% for 6 months; Base Rate: 3.50%
Balance: $2,000,000.00+
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 rose 0.110 points over the past 7 days to 1.968% APY, up from 1.858% last week.
Standard savings rates rose 0.013 points over the past 7 days to 0.814% 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.
What a High-Yield Savings Account Earns
The gap between a high-yield account and the standard savings rate most people leave money in is the single easiest return in personal finance to capture. Here is a year of interest at the current high-yield average versus the top verified offer in our table.
| Balance | Earned in 1 Year at 1.97% APY High-yield average |
Earned at 10.00% APY Top offer in our table | Difference |
|---|---|---|---|
| $1,000 | $19.68 | $100.00 | $80.32 |
| $5,000 | $98.41 | $500.00 | $401.59 |
| $10,000 | $196.82 | $1,000.00 | $803.18 |
| $25,000 | $492.05 | $2,500.00 | $2,007.95 |
| $50,000 | $984.10 | $5,000.00 | $4,015.90 |
Assumes the rate holds for the full year with no withdrawals and monthly compounding. Savings APYs are variable and can change at any time. Some accounts are tiered or cap the promotional rate at a maximum balance.
Where a High-Yield Savings Account Fits
All of these are insured deposit accounts. The right one comes down to one question: when do you need the money, and do you need to spend from it directly?
| High-Yield Savings | Money Market | Certificate of Deposit | Checking | |
|---|---|---|---|---|
| Rate Type | ● Variable | ● Variable | ✓ Fixed for the term | ● Variable, usually low |
| Access | ✓ Anytime by transfer | ✓ Anytime, often cheques or card | ✗ Early withdrawal penalty | ✓ Unlimited |
| Typical Minimum | ✓ Low or none | ● Higher, often tiered | Varies by product | ✓ Low or none |
| Protected If Rates Fall | ✗ No | ✗ No | ✓ Yes — locked | ✗ No |
| Best For | Emergency fund and short-term goals | A reserve you may spend from directly | Money with a known date you won’t touch | Day-to-day spending |
All four are covered by federal deposit insurance at an insured bank or credit union — $250,000 per depositor, per institution, per ownership category. That protection applies to the account type, not to any particular rate.
The Catch With Variable Rates
Every APY on this page is variable. The institution can change it whenever it likes, without notice. A high-yield savings account is not a rate you lock in — it is the rate you are offered today, and a rate table is a snapshot rather than a commitment.
That matters most at the very top of the table. An APY that beats the field by a wide margin is often introductory, and it can drift back toward the average within a few statement cycles once the account is funded. Before moving money for a headline number, check whether the rate is promotional, whether it applies to the whole balance or only a tier, and whether the institution has a history of staying competitive.
The practical response isn’t to avoid top offers — it’s to re-check your rate a couple of times a year rather than assuming it held. If the money has a known date attached and you want certainty over access, a fixed-rate CD removes the variability entirely.
About Our High-Yield Savings Rate Database
This page surfaces the highest-APY savings accounts we track, drawn from the thousands of verified rates in our database. Every APY is sourced directly from the institution’s own website and re-verified regularly, and each listing carries our Health Grade so the yield can be weighed against financial stability.
The highest verified APY in our table right now is 10.00% APY from Pathways Financial Credit Union. APYs on these accounts are variable — the institution can change the rate at any time without notice, so today’s leader may not lead next quarter.
High-Yield Savings Calculator
See what your balance earns and what the APY difference is actually worth. We’ve prefilled the top verified rate — click any rate on the right to compare.
Assumes the APY holds for the entire period and interest compounds monthly with no withdrawals. Savings rates are variable and will change — multi-year figures are illustrative, not a forecast. Promotional rates may apply only up to a maximum balance, and interest is generally taxable. Not a rate guarantee or an offer.
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?
- Pathways Financial Credit Union
Owner Rewards Savings — 10.00% APY - ORSA Credit Union
High Yield Savings — 10.00% APY - Bayer Heritage Federal Credit Union
High Yield Savings — 10.00% APY - FNB of Pandora
First Choice Rewards Savings — 5.50% APY - Infuze Credit Union
High-Rate Savings — 5.01% APY
More Savings Rate Options
